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Yes, it’s about choice or perhaps for some necessity regarding spending. In my case being frugal has been a necessity for the past twenty years and I’ve got more so over the years. I don’t regard myself as virtuous about it but it has become a way of life. Spending less means getting more sort of thing! If I had more money I would spend a bit more on a few things but I doubt I’d ever become a spendthrift on anything other than paying for life experiences.
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Work this one out, new car capital cost on finance approx £300 per month after tax. Stick money in Pension before tax, equivalent benefit approx £600 per month. Compound said money at a modest 5% for X years you forgo changing said vehicle. Work out total, get the man off your back earlier. Do this for 6 years = £51422 Do for 9 years = £83360 You do the maths....
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Unless your kitchen is also a family/social area, then having it as a pleasant place to socialise AND cook is important. In the interests of full disclosure I spent a massive wedge (to me at least) on my kitchen last year. The whole family spends a lot of time in there though!
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There is some underlying idea for me of not burning through the planet's resources. If I buy a new car every year that takes a lot of resources and energy and creates a lot of pollution.
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drill battery. Unclear whether it was ongoing works or to do with a passenger.
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It's the food you cook that's important, the colour of the work surfaces and cupboards make no difference.
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Depends what you're into. Mate of mine has spent thousands on bike gear. Another one similar on tools for DIY projects, I know people who spend a lot on clothes. Ultimately it's all the same thing... One man's meat etc. Etc. If the act of shopping gives you enjoyment and you have some cash... Why not? If you're happy being frugal I wouldn't knock it, but by the same token I wouldn't knock someone who did the opposite as long as they weren't foolhardy. I'm less keen on the view that being frugal appeals to some kind of higher purpose, or is somehow virtuous. The idea that by not spending £50 on jeans you can retire a day earlier is bizarre to me, on the basis that there is a lot of water to pass under the bridge between now and retirement!
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Credit deflation and the reflation cycle to come.
DurhamBorn replied to DurhamBorn's topic in Property Prices & Economy
Probably,but im not writing off a gold and silver bull gets going and keeps going though.The reason iv done no work on currency lately is because its been all on the PM sector.Im starting to lean towards holding the miners and riding any downside as im seeing potential for 20 x in many of the stocks (some will probably 100 bag).Keeping a balance of course in other areas.Im more and more convinced we are going to see one of,if not the biggest PM bull in history.I know that sounds hyperbole,but its what we keep seeing from cross market work.Lets see if things get going or not. IBTL has done a great job so far and exactly what it was meant to do,protect us sterling investors from losing buying power.Up 10% while Vodaphone ( im buying) is down 15%.Switch now its 25% more Vod for my money,thats what its about. -
Agree lemon juice and vinegar no good for that job! If I had to stick my hand down a drain or toilet I’d wear disposable gloves, wash my clothing and myself in very hot water with some detergent/soap.
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When the cost of washing becomes just too much
Chewing Grass replied to One percent's topic in Off Topic
Fancy making some from scratch, I think I will need some wood ash, a plastic bucket, water and some suitable fat. Preferably some sort of rendered animal. A suitable project for a winters evening when her ladyship is not around. Home brew was the same when elderberries were involved due to the smell and staining of things. -
Careful, that may involve a stand-up meeting with no biscuits. You may be sent on a course. A long one. In all seriousness though...the person(s) in your office that came up with that and signed it off need a bloody good slap. That seems to be a perfect example of people having the 'diversity' frighteners put up them. In a normal, sane world anyone coming up with that would have been told to put a sock in it and go and put the kettle on, silly wanker. Now, it goes unopposed as people are (understandably) worried that to object could cost them a major bollocking at a minimum. Cultural Marxism, it's getting worse, I tell thee...
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It's not unreasonable for it to be a battery IMO. Chinese electronic cigarettes do have a habit of going pop. Though given the location I'm not surprised everyone shit themselves and assumed it was a bomb!
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Fair enough, however as a single guy lots of areas of consumerism hold absolutely no pleasure for me... My bathroom/ kitchen must be 25 years old... I could spend £20k on upgrading them but I'd rather retire a year (or 2!) earlier...
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The German Green Party MEP referred to official statistics German and eu politicians should be grateful to Poland for granting them Poland's share of the enrichment - when it comes to elections the electorate will reward them for it.
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That's because the newly imported "Germans" won't go to the kafir police and so they deal with it internally, but they are counted in the official German stats as citizens in the country (crimes per 100,000). This is actual real proof of the legal and cultural separation that's taken place. It's not a victory sign... it's a warning!
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Does the jam really improve your life / make you happier though? One of my brother's first bosses bought a new car annually. Obviously financially that's dreadful but he seemed to like that. I would not like that. Every day I keep a car I become more attached to it and it becomes more "my car". I woudl really object if somebody came up tomorrow and randomly swapped my nine year old car for a new one. My furniture is a mixture of my parents' forty year old wooden stuff and similar from the people from whom I bought the house. Having known several "buyers" the underlying urge seems to be "buy this and it will improve my life". It doesn't.
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I'm a born again believer in hygiene, it's only a few weeks since I stuck my hand down a drain and spent the rest of the week shitting my insides out. Would have taken more than lemon juice and vinegar to kill whatever was down there.
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The dud Kangaroo bounce thread
sancho panza replied to sancho panza's topic in Property Prices & Economy
@TheCountOfNowherefrom the ToS:hattip thar she blows https://www.9news.com.au/national/2018/06/19/16/07/sydney-property-prices-housing-bubble-forecast ' House prices across Greater Sydney have already fallen by 3.4 percent in the past 12 months – more than any other capital city apart from Darwin (where property values are down 7.7 percent). In Sydney’s CBD and inner south, house prices have fallen dramatically by 13.6 percent since their peak in June last year, while Ryde and the inner west have seen falls of just over 10 percent since August and March 2017 respectively. On the city’s North Shore, property values have fallen by 8.7 percent, while the Northern Beaches didn’t fare much better, recording a 7.5 percent drop since June last year. But it’s not only Sydney that’s seeing a levelling out of the market, with house prices forecast to fall by up to a combined six percent across Australia by the end of 2019. Macquarie Securities economist Justin Fabo said while market corrections are always worrisome he believes the regulators would be largely delighted with the orderly cooling of housing markets so far. "To us the real risk is on the demand side," he said. He said if households were to lose faith in housing markets given still-elevated prices, the demand for credit could fall more than he expects. "The main thing to fear for Australian housing is fear itself," Mr Fabo said.' -
When the cost of washing becomes just too much
Kurt Barlow replied to One percent's topic in Off Topic
You can get one of those soap press thingies to squeeze all the small bits back together and save a few quid. A few pubes imbedded in it helps bind it all together -
Praise for the So-Called BBC (short thread I expect!)
Bedrag Justesen replied to swiss_democracy_for_all's topic in Off Topic
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Praise for the So-Called BBC (short thread I expect!)
Rowley replied to swiss_democracy_for_all's topic in Off Topic
Covered all day (3rd or 4th news story on the So-Called BBC Radio stations). The effort to stress the words "Terror Attack" was breathtaking. Especially as nearly every similar stunt pulled by a RoPer is described as an act of a mentally ill person, move along, no need to discuss this beyond tomorrow please. -
When the cost of washing becomes just too much
Kurt Barlow replied to One percent's topic in Off Topic
Thats my Father in law -
Indeed! I hate household cleaning and do the bare minimum to keep it reasonably clean and tidy using minimal cleaning products. IME lemon juice and vinegar is fine for cleaning furniture etc. .......no need to attempt to kill 99% of all known germs as advertisers would like folk to believe! I’m viligant about food preparation though and wash hands, utensils used and glass board with very hot soapy water.
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Japanese 'drift legends' . Fine if your idea of driving is doing donuts in a Happy Eater car park. He's disappointed he hasn't seen any Astra (!) GTEs or Nova (!!!!) GTEs but doesn't recognise some real older classics there. Looks like they have kept some of the old classics and are stripping them down. Shame more weren't left on the road, now they are rarer and appreciating. Landy, Hiace, P5, P6, 924, 944, MR2 Mk2, various MGs...
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