Go Back   English Forum Switzerland > Living in Switzerland > Daily life  
Reply
 
Thread Tools Display Modes
  #61  
Old 19.01.2011, 11:10
transition
 
Posts: n/a
Re: I'm absolutely skint!

Look, 2.90.- + Broccoli 1.35 + New Potatoes 2.00.- = 6.25TTL Incredible!
Attached Thumbnails
i-m-absolutely-skint-img_0050.jpg  
Reply With Quote
The following 4 users would like to thank for this useful post:
  #62  
Old 19.01.2011, 11:15
grynch's Avatar
Forum Legend
 
Join Date: Nov 2006
Location: Geneva/Vaud
Posts: 4,945
Groaned at 50 Times in 46 Posts
Thanked 5,199 Times in 2,354 Posts
grynch has a reputation beyond reputegrynch has a reputation beyond reputegrynch has a reputation beyond reputegrynch has a reputation beyond reputegrynch has a reputation beyond reputegrynch has a reputation beyond repute
Re: I'm absolutely skint!

if it would help I could offer you a ( low interest ) loan on some pencils.

Reply With Quote
This user would like to thank grynch for this useful post:
  #63  
Old 19.01.2011, 11:24
summerrain's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Zürich
Posts: 4,350
Groaned at 4 Times in 4 Posts
Thanked 985 Times in 325 Posts
summerrain has a reputation beyond reputesummerrain has a reputation beyond reputesummerrain has a reputation beyond reputesummerrain has a reputation beyond reputesummerrain has a reputation beyond reputesummerrain has a reputation beyond repute
Re: I'm absolutely skint!

Hey transition, if it helps in the future, me and hubby always make it a point to sit down every month and look at the finances just to see where we are at as things do change (someone falling ill unexpectedly, huge medical bills, etc). We readjust our costs for the next coming months, rearrange stuff around for the upcoming big payments, know what we can and cannot spend on - just so that we make sure we are never in the red or touch our savings. Most boring meeting ever, because I am useless at finances, but it has been most useful.
__________________
Remember when someone annoys you, it takes 42 muscles to frown, BUT it only takes 4 muscles to extend your arm and b****-slap the mother-f***er upside the head.
Reply With Quote
This user would like to thank summerrain for this useful post:
  #64  
Old 19.01.2011, 14:40
cannut's Avatar
Forum Legend
 
Join Date: Jul 2008
Location: canada
Posts: 6,913
Groaned at 182 Times in 142 Posts
Thanked 6,191 Times in 3,404 Posts
cannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
Actually you have my admiration, for being normal. Firstly being skint is not something that people usually admit to in Switzerland and secondly you didn't mention any massive CC debt so I am assuming that you don't have any.

I'm usually a financial anorexic, I get a kick out of restricting the amount I can live on, but It's only enjoyable when you you are financially OK.


One month ago I found my dream house,negotiated a record low price, was going to go for it. I repainted the present house inside and out myself, ripped up carpets had a new roof, windows changed etc to get the house ready to sell, but then decided I couldn't justify paying the real estate agent's fee.

So, I decided to become a paralegal to do the work in future myself, got on a course after refusing to pay to have all my certificates translated, got to the bursar, then backed off unable to sign, I had to phone 3 people and wait 10 minutes. I am fine signing big checks or giving money to others, but this, being for me, was so stressful. Then I wouldn't spend the money on the course books, eventually found them cheaper on line, and forced myself to get them, but have to wait for arrival. so now I am waiting with no books in class.

I look at the others on Financial Aid, not moaning, buying stuff for themselves seemingly unperturbed and I feel such anguish. I can't part with money unless I know that I'm getting an incredible bargain and I do find incredible bargains. I get very agitated by waste. I can't accept gifts. I'd see a therapist if I could get one for free!
If you need a new heating and AC system call me .Warning : I am not cheap ,I mean inexpensive
Reply With Quote
  #65  
Old 19.01.2011, 14:44
economisto
 
Posts: n/a
Re: I'm absolutely skint!

Quote:
View Post
Hey transition, if it helps in the future, me and hubby always make it a point to sit down every month and look at the finances just to see where we are at as things do change (someone falling ill unexpectedly, huge medical bills, etc). We readjust our costs for the next coming months, rearrange stuff around for the upcoming big payments, know what we can and cannot spend on - just so that we make sure we are never in the red or touch our savings. Most boring meeting ever, because I am useless at finances, but it has been most useful.
Good advice for those who are salaried, but it's harder when your wage varies month to month. If you earn 5k, 5k, 5k, 0k, 0k, etc it provides little opportunity to save for the lean times, especially when you're missing your entire salary with no benefits etc.
Reply With Quote
The following 4 users would like to thank for this useful post:
  #66  
Old 19.01.2011, 14:46
cannut's Avatar
Forum Legend
 
Join Date: Jul 2008
Location: canada
Posts: 6,913
Groaned at 182 Times in 142 Posts
Thanked 6,191 Times in 3,404 Posts
cannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond reputecannut has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
Do you know how we manage to pay for our travel?

Every month we have a certain amount that is divided in four for our grocery shopping. Everything we buy that is grocery related is coming from that amount. Every week, we take what was left over and put it in a different place. One week, we can spend the whole amount on the grocery and the week after almost nothing. At the end of the month, it can be pretty impressive what is left as savings! Month after month, it goes fast and here is money for vacation!

I used to do that when I had something to buy that I couldn't afford, I am not a credit card person. I have 3-4 but I am not using them. I can't put my head around using money that I don't own, and paying extra fees to do so... Sometimes it can be necessary but it should be an exceptional situation (for me).
Don`t invite me on a month which has 5 weeks And BTW I hate "Puttin"
Reply With Quote
  #67  
Old 19.01.2011, 14:56
Carlos R's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Roundn'about Basel
Posts: 7,231
Groaned at 105 Times in 95 Posts
Thanked 9,934 Times in 4,178 Posts
Carlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
But . . . but . . . there's vitamin C in potatoes!
He probably peeled the skins.
Reply With Quote
This user would like to thank Carlos R for this useful post:
  #68  
Old 19.01.2011, 15:13
MusicChick's Avatar
Forum Legend
 
Join Date: Feb 2008
Location: La Cote
Posts: 17,488
Groaned at 414 Times in 275 Posts
Thanked 20,435 Times in 10,578 Posts
MusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
Do you know how we manage to pay for our travel?

Every month we have a certain amount that is divided in four for our grocery shopping. Everything we buy that is grocery related is coming from that amount. Every week, we take what was left over and put it in a different place. One week, we can spend the whole amount on the grocery and the week after almost nothing. At the end of the month, it can be pretty impressive what is left as savings! Month after month, it goes fast and here is money for vacation!

I used to do that when I had something to buy that I couldn't afford, I am not a credit card person. I have 3-4 but I am not using them. I can't put my head around using money that I don't own, and paying extra fees to do so... Sometimes it can be necessary but it should be an exceptional situation (for me).
I haven't grown up with CCs, either, I am not too fond of the system. Besides, I always had a daily job, which sent salary to my account and then tutoring which gave me liquid cash, so never had to really depend on CCs. The skill to save up is a major one that one needs for life.

Quote:
View Post
Actually you have my admiration, for being normal. Firstly being skint is not something that people usually admit to in Switzerland and secondly you didn't mention any massive CC debt so I am assuming that you don't have any.

I'm usually a financial anorexic, I get a kick out of restricting the amount I can live on, but It's only enjoyable when you you are financially OK.


One month ago I found my dream house,negotiated a record low price, was going to go for it. I repainted the present house inside and out myself, ripped up carpets had a new roof, windows changed etc to get the house ready to sell, but then decided I couldn't justify paying the real estate agent's fee.

So, I decided to become a paralegal to do the work in future myself, got on a course after refusing to pay to have all my certificates translated, got to the bursar, then backed off unable to sign, I had to phone 3 people and wait 10 minutes. I am fine signing big checks or giving money to others, but this, being for me, was so stressful. Then I wouldn't spend the money on the course books, eventually found them cheaper on line, and forced myself to get them, but have to wait for arrival. so now I am waiting with no books in class.

I look at the others on Financial Aid, not moaning, buying stuff for themselves seemingly unperturbed and I feel such anguish. I can't part with money unless I know that I'm getting an incredible bargain and I do find incredible bargains. I get very agitated by waste. I can't accept gifts. I'd see a therapist if I could get one for free!
You sound absolutely normal. Coming from a poor place, this is how everyone I know actually gets by. You have money, but live under your allowance, at all times. If you can get stuff online you don't pay a commission to a rip of store, if I can do things myself, including sandwiches, I won't feed overpriced catering biz..If I can sew myself a suit, I am all for doing that, than paying 300% mark up by somebody who does not run the clothing boutique clients friendly. Self sufficiency, living modestly, it just all makes sense. Once you have something, you make sure investments, buying a property, investing in education. Incredible bargains is where I only shop, they are too easy to find is one has their eyes open. There are people, though, who don't pull this off, unfortunately. I don't really care money is not talked about here, sometimes you have to.
__________________
"L'homme ne peut pas remplacer son coeur avec sa tete, ni sa tete avec ses mains." J.H. Pestalozzi

“The only difference between a rut and a grave is a matter of depth.” S.P. Cadman

"Imagination is more important than knowledge." A. Einstein
Reply With Quote
This user would like to thank MusicChick for this useful post:
  #69  
Old 19.01.2011, 16:29
Senior Member
 
Join Date: May 2008
Location: Basel
Posts: 387
Groaned at 3 Times in 3 Posts
Thanked 309 Times in 149 Posts
terramundi has an excellent reputationterramundi has an excellent reputationterramundi has an excellent reputationterramundi has an excellent reputation
Re: I'm absolutely skint!

If you turn out all the kitchen cupboards you might be surprised to find how many meals all the bits and pieces will make - you sometimes end up with slightly odd combinations but a bit of imagination will get you a long way.
Reply With Quote
  #70  
Old 19.01.2011, 16:31
MusicChick's Avatar
Forum Legend
 
Join Date: Feb 2008
Location: La Cote
Posts: 17,488
Groaned at 414 Times in 275 Posts
Thanked 20,435 Times in 10,578 Posts
MusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond repute
Re: I'm absolutely skint!

It is true, every chick I know (sorry, don't know many guys that would actually know what's in their pantry) stocks up the pantry..I think if I look in ours we have a good 2 wks worth of food, damns, sounds like those crazy yanks with nuclear bomb shelter in their basement stocked up with dry foods..
Reply With Quote
This user would like to thank MusicChick for this useful post:
  #71  
Old 19.01.2011, 16:49
Nil's Avatar
Nil Nil is offline
Forum Legend
 
Join Date: Sep 2007
Location: Basel
Posts: 10,356
Groaned at 428 Times in 333 Posts
Thanked 16,045 Times in 6,322 Posts
Nil has a reputation beyond reputeNil has a reputation beyond reputeNil has a reputation beyond reputeNil has a reputation beyond reputeNil has a reputation beyond reputeNil has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
Don`t invite me on a month which has 5 weeks And BTW I hate "Puttin"

I don't miss food on the fifth week darling! And I don't live on poutine. Otherwise I would have my butt the size of the alps....
Reply With Quote
  #72  
Old 19.01.2011, 16:50
nigelr's Avatar
Forum Veteran
 
Join Date: Apr 2009
Location: Aargau
Posts: 1,712
Groaned at 118 Times in 59 Posts
Thanked 2,140 Times in 942 Posts
nigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond reputenigelr has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
Look at the money which people have raised by selling off old used junk. You know, things like the tennis racket Roger Federer used to win a major tournament. Haven't you got anything similar you could sell on here?

I have a few tennis rackets that Roger Federer used to win Wimbledon - they just look brand new because he takes really good care of them. Offers anyone?
Reply With Quote
  #73  
Old 19.01.2011, 17:01
miniMia's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: romandie
Posts: 9,971
Groaned at 101 Times in 92 Posts
Thanked 9,106 Times in 4,522 Posts
miniMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
If you turn out all the kitchen cupboards you might be surprised to find how many meals all the bits and pieces will make - you sometimes end up with slightly odd combinations but a bit of imagination will get you a long way.
This is so true.
I remember when my cousins were at Uni they used to have crepe night towards the end of the month. Some flour, sugar, eggs, milk, any jam they had or lemon, orange, etc. I visited them once on crepe night. It was fun. I'm sure your kids would like crepe night.

And keep and eye on some things you might throw out. I remember my best bargain meal in Switzerland was when I found a chunk of pork roast for 5CHF. At home I then used old apples & old bread to make a stuffing: A meal for 4 for 5CHF! Normally I'd throw the old apples & stale bread away.


Quote:
View Post
I have a few tennis rackets that Roger Federer used to win Wimbledon - they just look brand new because he takes really good care of them. Offers anyone?
Only if you are giving the money to transition. It is his thread after all.
__________________
Reply With Quote
  #74  
Old 19.01.2011, 17:09
economisto
 
Posts: n/a
Re: I'm absolutely skint!

oh yeah - I forgot, one great thing to do when you're skint is bake a giant sponge cake! It's super cheap and keeps everyone going for days! If any goes stale, put pieces in bowl with vanilla, sugar and milk.
Reply With Quote
The following 2 users would like to thank for this useful post:
  #75  
Old 19.01.2011, 21:27
nic80's Avatar
Forum Veteran
 
Join Date: Jul 2009
Location: Lausanne
Posts: 801
Groaned at 3 Times in 3 Posts
Thanked 1,292 Times in 422 Posts
nic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
oh yeah - I forgot, one great thing to do when you're skint is bake a giant sponge cake! It's super cheap and keeps everyone going for days! If any goes stale, put pieces in bowl with vanilla, sugar and milk.
Or smother in pouring cream and fruit!
Reply With Quote
This user would like to thank nic80 for this useful post:
  #76  
Old 19.01.2011, 21:42
nic80's Avatar
Forum Veteran
 
Join Date: Jul 2009
Location: Lausanne
Posts: 801
Groaned at 3 Times in 3 Posts
Thanked 1,292 Times in 422 Posts
nic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond reputenic80 has a reputation beyond repute
Re: I'm absolutely skint!

I just read a facespace post from a friend who is also low on funds at the moment. She's just discovered 7 different types of rice, 6 different types of pasta and 2 different types of noodles in the pantry. She's in for a week long carb fest!
Unfortunately she's too far away to have around for dinner
Do you have any friends you can get a dinner or two from?
Reply With Quote
  #77  
Old 19.01.2011, 22:14
miniMia's Avatar
Forum Legend
 
Join Date: Apr 2007
Location: romandie
Posts: 9,971
Groaned at 101 Times in 92 Posts
Thanked 9,106 Times in 4,522 Posts
miniMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond reputeminiMia has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
I just read a facespace post from a friend who is also low on funds at the moment. She's just discovered 7 different types of rice, 6 different types of pasta and 2 different types of noodles in the pantry. She's in for a week long carb fest!
Unfortunately she's too far away to have around for dinner
Do you have any friends you can get a dinner or two from?
One of the cheapest dishes out there: spaghetti aglio olio peperoncino.
Reply With Quote
The following 2 users would like to thank miniMia for this useful post:
  #78  
Old 19.01.2011, 22:41
MusicChick's Avatar
Forum Legend
 
Join Date: Feb 2008
Location: La Cote
Posts: 17,488
Groaned at 414 Times in 275 Posts
Thanked 20,435 Times in 10,578 Posts
MusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond repute
Re: I'm absolutely skint!

Quote:
View Post
oh yeah - I forgot, one great thing to do when you're skint is bake a giant sponge cake! It's super cheap and keeps everyone going for days! If any goes stale, put pieces in bowl with vanilla, sugar and milk.
We grew up no that, I used to have it as a preschooler, traditional stuff back home. Yummyyy..It's 2 days food.
Reply With Quote
This user would like to thank MusicChick for this useful post:
  #79  
Old 19.01.2011, 23:32
WhySoSerious?'s Avatar
Member
 
Join Date: Dec 2010
Location: ZH
Posts: 138
Groaned at 17 Times in 13 Posts
Thanked 108 Times in 56 Posts
WhySoSerious? has become a little unpopular
Re: I'm absolutely skint!

I can lend you CHF100 if you want?
Reply With Quote
The following 2 users would like to thank WhySoSerious? for this useful post:
  #80  
Old 20.01.2011, 00:13
transition
 
Posts: n/a
Re: I'm absolutely skint!

Quote:
View Post
I can lend you CHF100 if you want?
Just wanted to say that my situation is sorted out. I should be grateful it was (mainly) for a couple of days as I know there must be many who are often more hard-up over longer & more frequent periods of time but don't want to say so for different reasons. I now understand how this must be much better than before.

What surprised me most, though I managed (somehow) to avoid borrowing or accepting any of the offers to help, is the kindness of so many on here. I'm glad now it happened, if only to find out that there are so many good people out there.

Maybe I shouldn't be so spontaneous & reveal stuff like this, but I did, and for the reasons I have stated I'm glad I did. A big thanks.
Reply With Quote
The following 6 users would like to thank for this useful post:
Reply

Tags
money, skint, tough




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Financially Skint Greece Cashboy International affairs/politics 180 26.06.2012 08:20
What do you absolutely need from abroad? lost_inbroad Daily life 182 22.11.2010 22:49
Signature registration with HANDELSREGISTER – is it absolutely necessary? Flower Employment 1 21.05.2010 11:07
Isn't this absolutely super!!!!! evianers General off-topic 10 14.01.2010 17:29
absolutely disgusting [random attacks] sambrightman General off-topic 54 30.01.2008 13:17


All times are GMT +2. The time now is 04:09.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0