The Frugality/Alexandra Stedman #7 Everything is affordable when it's #gifted

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Someone said he was an actor?
Lol, I think that's probably just because he shares a name with an American actor. I think he's a videographer or producer or similar - his name is on all the photos on The Frugality website so he must at least dabble in photography.
 
No he was an actor when they met but now he’s an incredibly successful garden tiler, fence painter and photographer……
 
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This isn’t me @Ing you
No @-ing taken, I completely agree. I remember when Aesop launched around 15 years ago and my younger brother (who is much, much cooler than me) worked in the shop and I swooned over all the free samples he used to bring home. EVERYONE knows you don't buy this stuff on the reg unless you're loaded.

I have thought deeply about this and I think Alex's life outlook is "how to be frugal to protect your inheritance because you can't put free tat and paint samples into your trust fund account"
 
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We sometimes have Aesop hand wash, and hand cream, and body wash….I like the smell and the bottles literally last at least 6 months in our house. I then recycle the bottles. Then either buy another one or get something else. I’ve never even considered refilling with 80p soap from Lidl. I also don’t believe for a second that she does that for any reason than a tit reel. I assume most of her visitors would know that creamy white soap is not Aesop. Honestly this may rank as one of her knobbiest posts yet. Does anyone actually care what brand of hand soap people have. Is this is a thing? I don’t visit people and form an opinion based on the hand soap in their bathroom. Surely it’s better just buying a nice refillable bottle for a fiver and using that if you don’t want people to know you use Lidl hand soap 🤷🏻‍♀️ As with a lot of her content lately I have so many questions 😂
I might form an opinion if I realised they’d refilled a premium soap with a cheapo one!

Or if they brought me two candles wrapped in old thread, I’d rather a cheap bottle of wine!
 
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But they’ve totally dodged those high fixed overhead years where you’re paying out on higher rate mortgage products cos you’re at a higher LTV, you’re paying child care/school fees, etc so they’re basically empty nesters with minimal outgoings so don’t need to work as much.
We were lucky that my return to work (and starting to pay childcare) would coincide with remortgaging so our payment would reduce but thanks to bleeping imbecile Tories our payment went up, so now I’m working PT, mortgage has gone up AND I’m paying childcare 🥲

So Alex can get in the sea with her performative ‘frugality’.
 
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“High fixed overhead years” rings so true for me too… Solidarity @Tiger tat 😩
I called them The Broke Years. Relentless and exhausting. I swear we went backwards financially and I saw so many marriages around us buckle under the strain.

Two parenting highlights: buying the last packet of nappies and paying the last lot of childcare fees. 🙃
 
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I don’t want to wish the time away, but equally I am very excited for those milestones @Libertine 😀

I’ll be as rich as Alex when we stop paying for nursery! Maybe I’ll treat myself to some Aesop soap.
 
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I always assumed her parents were bankrolling her but maybe they’ve got millions stashed away from Dopey’s brief soft-porn career?
 
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Remember when they were telling people to take mortgage holidays and put kitchen renos on their credit card? It’s bad enough giving out unregulated financial advice but then on top failing to disclose their circumstances is trash behaviour. Like yeah you defs can get away with a 20%+ APR on your kitchen when you inherit 6 figure sums from aunties or nans (can’t remember who paid for the extension sorry) and yeah it doesn’t matter if your next mortgage product is more expensive when you’re at 20% LTV.

Also on money - remember how interest compounds right? So if you look at the split between interest vs capital in the early years of a term it’s always more interest than capital right. Her parents haven’t just gifted her a deposit they’ve saved her from the decade+ of paying the high interest component of the mortgage.

I literally cannot stress enough how much these two should not be talking about budgeting to us.
 
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Remember when they were telling people to take mortgage holidays and put kitchen renos on their credit card? It’s bad enough giving out unregulated financial advice but then on top failing to disclose their circumstances is trash behaviour. Like yeah you defs can get away with a 20%+ APR on your kitchen when you inherit 6 figure sums from aunties or nans (can’t remember who paid for the extension sorry) and yeah it doesn’t matter if your next mortgage product is more expensive when you’re at 20% LTV.

Also on money - remember how interest compounds right? So if you look at the split between interest vs capital in the early years of a term it’s always more interest than capital right. Her parents haven’t just gifted her a deposit they’ve saved her from the decade+ of paying the high interest component of the mortgage.

I literally cannot stress enough how much these two should not be talking about budgeting to us.
I agree! It’s bloody dangerous that these unqualified idiots think they can dish out financial advice. Stick in your lane of tiger tat and matches please Alex
 
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I always assumed her parents were bankrolling her but maybe they’ve got millions stashed away from Dopey’s brief soft-porn career?
We also don’t know anything about Chris’ side of family. If he went into acting career I doubt he didn’t have family to fall back on.
 
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