Christmas bargain hunting – now is the time!

Christmas bargain huntingHow is your Christmas bargain hunting going? I am almost there! Hardest to buy for is always Mr Shoestring. He can rarely think of any ideas to give me.

I have cracked it!

I have been looking on BuyaGift.com* and  have cracked Mr S’s present! What I bought is top secret, though, as he reads my blog 😀. Suffice to say I am very confident he will like it and it was an absolute bargain!

If you have someone really tricky to buy for, BuyaGift.com does a good range of experiences such as spa days and cream teas.

We had a spa day recently and it was blissful. We also had three cream teas in close succession, using up Mr S’s birthday vouchers. This explains why my jeans are feeling a little tight at the moment!

Aldi shopper

I have been doing a lot of Christmas bargain hunting in Aldi. They have such a great selection of food and drink for a special occasion.

I even found gluten free mince pies in there this week so snapped those up in case my coeliac friend pops on for a cup of tea. 

Aldi do a brilliant range of gift items such as slippers, books, PJs, chocolates, etc. They are so good if you have a really small budget for Christmas.

Christmas bargain hunting online

I have done a lot of shopping on Amazon.co.uk too, including some things from my eco friendly Christmas presents guide here.

It’s not that I don’t enjoy going to the town centre and physically choosing presents. There are two reasons why I don’t do this much. One is lack of time. It is easy and convenient to shop on my phone in my lunch break, for example.

The other is that I like to ask people what they want rather than waste money. They nearly always tespond with a couple of links to websites!

I will go into the town centre at the weekend as I need to do a few jobs in person. It will give me the opportunity to see the lights and do a little browsing.  I do like the idea of supporting my local shops. It’s just that life gets in the way!

How is your christmas bargain hunting going?

*This post contains my affiliate link. If you click through and make a purchase it won’t cost you anything and I will earn a small commission. Thanks!

Fame at last… spreading the frugal message

What a strange and exciting week we have had here at Shoestring Cottage, spreading the frugal message.

I was approached a couple of weeks ago by a journalist who had read my Frugal Christmas article. She asked me to provide some nice family photos  to run alongside a story about how we keep our costs down at Christmas.

The pressure to create the perfect Christmas

I was happy to oblige. I hate how the pressure to create the perfect festive season causes families to get themselves into large amounts of debt each year. It should be a lovely time spent with family and friends first and foremost.

Spreading the frugal messageIf you can afford to spend lots of money, go for it. However, it seems many folk can’t. I just wanted to point out that it was possible to do it quite cheaply. In fact, it’s possible to spend much less than we do and still have fun!

In the tabloids

Much to my surprise the article was picked up by the Daily Mail, the Sun and also the Daily Mirror! We were all stunned.

I haven’t bothered reading any of the comments. I know exactly how some people will react to me spreading the frugal message about having Christmas on a shoestring.

Colleagues have told me I was called Mama Scrooge and apparently I am clearly responsible for Brexit. LOL, anyone who knows me is well aware I was on the other side of that particular argument! Very odd logic.

Being judged

The funniest thing of all was being invited onto Judge Rinder! The logic was that I would have the chance to publicise my message if one of my daughters sued me for buying their presents too cheaply. This concept caused much hilarity before I politely declined 😀.

Anyway our time as ‘celebrities’ was great fun and interesting. I really don’t know how people cope doing it every day though!!

I know from the comments yesterday that many of you spotted our moment in the limelight! Have any of you appeared in the media?

Eco friendly Christmas gifts

Don’t shout at me for mentioning the festive season in October – it soon creeps up! I have already started buying and have been looking at some eco friendly Christmas gifts.

Christmas has felt like a bad consumer melt down for me in the past. Too many people buying too much stuff and spending way too much money. Don’t get me wrong, I love Christmas. I enjoy all of the opportunities it offers for people to get together, the giving and receiving,  the cooking and eating  of delicious food.

However, I dislike the general excess. People spending money they can’t afford, buying mounds of food that won’t get eaten, trashy, over the top decorations and the pressure folk feel to produce the perfect experience. I am already hearing parents stressing because they cannot get this year’s most popular toy and fighting for them when they arrive in the shops. Most of all, I hate spending money on trashy presents that won’t be appreciated.

Because of this, I try to make sure the recipients of any gifts I buy really want them. If that means taking away the surprise, then so be it. I also try to buy some items that are eco friendly. Usually small things for my daughters that will replace something that causes a lot of waste. With this in mind, here are my suggestions for inexpensive eco friendly Christmas gifts. I am dreaming of a green Christmas!

I am going for a frugal Christmas, so none of the suggestions below will break the bank.

Eco friendly Christmas gifts

For their stocking fillers, I have bought my daughters some stainless steel reusable straws. Plastic straws are thrown away after one use which is incredibly wasteful. I have ordered them from Lakeland, at £5.99 for 8 straws with a cleaning brush.

I hope they don’t read this, as I have also bought them some reusable Magic Makeup Removing Cloths from Amazon. You can remove all makeup with just water. The reviews suggest they really work, so I am excited about these. I have ordered myself some too.

If you have a nature loving friend or family member, Friends of the Earth have a cute bird feeder in their shop. You can stick it to your kitchen window and watch the birds feeding as you do the washing up! Love this! At £13.99 it won’t break the bank.

I know this isn’t a glamorous gift, but I would be happy to receive these Ecoegg Re-Usable Bamboo Towels. You can wash and reuse rather than buying kitchen towels.

I have never tried these, but my lodger has one – how about a Bamboo Toothbrush? She is very happy with hers. It remains to be seen how long it will last, but you are supposed to change them every three months so it should do that.

I have various plastic lunchboxes that I take to work, but maybe a stainless steel one would be a better option. Ideally, it should be air tight so that you don’t have to use plastic wrap as well. There are lots of different options online, but some of them are horrendously expensive. One was over £80!! Not on my budget…. Many were under £10 but looked cheap with poor reviews. This one seems a decent mid priced one and has excellent reviews.

For the kids, how about some recycled colouring pencils made from rolled up newspapers? I found these on eBay. Pencils and recycled paper crafts make great eco friendly Christmas gifts.

When I was at the SHOMO Awards recently, I met Zoe from Eco Thrify Living. She had bought her own reusable coffee cup with her, which I thought was such a sensible idea. I have found a similar one from Evolution Organics that I will be putting on my Christmas wish list. I have several china ones but they aren’t really practical for carrying around with you.

Buy an experience

Regular readers will know we had a lot of experiences given to Mr Shoestring for his 50th. My favourites were the afternoon teas. Who wouldn’t enjoy a big plate of cake? Of course, there are all types of experiences you can purchase and you can find some of them at buyagift.co.uk. I think these are a good idea for people who already have too much stuff.

Buying books

I also like buying books as these will tend to be read and passed on – not just binned. Coffee table type books are pretty but I avoid them as they tend to be leafed through and forgotten. I only buy books for people I know well or where someone has requested a book they really like. If you are considering books as presents, check out the Book People first. They have collections that are so cheap and fantastic for presents. When my children were smaller, I would buy the collections of kids books and separate them up to give in a party bag rather than loads of plastic rubbish. I also buy second hand books for stocking fillers.

Gift vouchers

If you don’t know what to buy, don’t buy anything. Rather than spend on something that might not be appreciated, choose a gift voucher instead. The other advantage of gift cards is that they don’t involved loads of packaging and gift wrapping. You can buy discounted cards from Zeek, so you can save money too. If you use my promo code you will get £3 for free. I generally use my gift cards, but if you have some you know you won’t get around to spending, you can sell on Zeek too. It’s a genius idea.

Does the waste and excess at Christmas leave you cold too? Will you be exploring some eco friendly Christmas gifts instead this year?

 

Disclaimer – this post contains affiliate links, but all opinions are all my own. Using an affiliate link will not affect you in any way. It will help to support the blog as I will earn a small commission if you purchase anything via an affiliate link.  Thanks!

Frugal Christmas: Budget now to save your bank balance

Frugal ChristmasHave you started your Christmas shopping yet? Are you planning to splurge or are you aiming for a frugal Christmas? The festive season should be fun but can cause stress as hard pressed families struggle to afford it. Presents, food, parties, outfits, decorations: you can spend a small fortune. But is it worth the Christmas hangover and the damage to your bank balance?

Buy now, pay later

In the past I have made the classic mistake of sticking all my Christmas purchases on my credit card to worry about later. And worry I did as I struggled to pay my debt off the following year. The dark days of winter look even bleaker when you are skint. According to YouGov, British families will spend around £821 for Christmas this year, with £604 going on gifts. This is fantastic if you can afford to spend that amount. I am not suggesting you don’t spend money you have, but it is worth considering ways to save money if you need a frugal Christmas this time.

Setting a budget and making a list

You need to be realistic about this. If you have saved throughout the year, your budget might be quite generous, or you might have very little to spare. Either way, work out what you can afford. Make a list of people you want to buy gifts for and other expenses. If you cannot afford to purchase everything you want, this it the time to think about what you can cross off the list. This might mean having a few open and honest conversations with friends and family. When I did this a few years ago I talked to my extended family. I am one of four children and we all now have spouses and kids of our own, so Christmas was becoming a huge strain.

We now do a Secret Santa for the adults and any ‘kids’ who hit 18 and are in employment also join in. This cut costs hugely and was a big relief all round.

Cut out unnecessary stuff

Sometimes we need to rethink our spending habits at Christmas. We buy so much food, but how much of it gets wasted? There is only so much you can eat, even if you do like to indulge during the festive period. How many decorations do you really need and do they have to be £5 a bauble from the garden centre or department store? Places like Home Bargains, Aldi, Lidl and B&M come into their own at this time of the year, with some great bargain festive decorations. If you have kids this is the time to get creative and let them go to town making pretty sparkly things to make your home look fabulous. There are so many great ideas on Pinterest.

Although I think a real tree looks pretty, I have had my artificial one for about 8 years. It cost me about £40 from Argos, and has been worth every penny. I have decorations that have lasted me years too. I look out for these in the January sales.

Four gift rule

If you have children and are on a small budget, stick to the four gift rule.  Something they want, something they need, something to wear and something to read. I didn’t consciously do this when my daughters were young, but looking back this was more or less how it went. I used to buy them lots of little stocking fillers too. They tell me now that they never noticed I wasn’t a big spender and didn’t feel in the least bit deprived  by a frugal Christmas. They also really appreciated their presents.

Buying little and often to spread the cost

If you want a really frugal Christmas, buying as you go throughout the year (or in my case, as soon as Autumn arrives) it is far less of a shock to your finances. I sometimes even buy in the post Christmas sales and have a big stock of cards, wrapping paper and gift sets that were purchased this way. As Christmas approaches I love the 3 for 2 gift offers from some retailers and generally hit Boots for these. I also pick up extras in Aldi or Lidl as they do fantastic Christmas gifts and food. It is quite satisfying to be cosy indoors with everything bought and wrapped when other people are running around like headless chickens trying to catch up with themselves.

If you are buying online, make sure you use a cash back site. I use Top Cashback a lot. I have earned a couple of hundred pounds over the past 6 months this way, which I will spend on presents.

If you want to be radical, then give your loved ones an IOU and wait for the sales. I wouldn’t do this with children though – most wouldn’t get this!

Buy second hand

I often buy second hand gifts and always have done. From the Nintendo 64 that my daughter still has 15 years later (and which is now a collector’s item!) to books from the charity shop, and bargain clothes from eBay – I don’t mind giving or receiving pre-owned items as long as they in good condition. This works well for small children. They neither know nor care if a favourite toy has been played with by a child before them!

If you are playing host to family and friends over Christmas, ask them to contribute by bringing food and drink. Most people will be only too happy to get involved.

Free activities

There are loads of fun, free activities to do with the family at Christmas. You don’t have to spend lots of money if you stick to traditional pastimes like carol concerts, school and community Christmas sales and bazaars, for example. Churches often run Christmas crafts workshops too. My children loved going to the Christmas Eve carol service at our local church, singing all evening and then having a Christmas ‘sleepy’ biscuit from the vicar on the way out. They also loved a tour of the local ‘Christmas houses’ – you know, the ones that are lit up so they can be see from space!

If you are worried about debt now, at Christmas or any time, there are lots of ways to get help and advice. Check out the Money Advice Service or Debt Camel  or make an appointment at the local Citizen’s Advice Bureau.

Have you saved up, bought gifts as you went along or will you put Christmas on a credit card or overdraft? Are you dreaming of a frugal Christmas?

Planning for Christmas….and saving money

planning for ChristmasI can hear some virtual sharp intakes of breath at the thought of planning for Christmas when we are still in August! How dare I mention the C word when we have only just had the bank holiday!

I belong to several money saving Facebook groups. One of them is all about planning for Christmas and has been running since about April (if you are interested, search for Thrifty & Frugal Christmas). There are plenty of people who like to get organised! This group is full of ideas for cheap presents and even some freebie stocking fillers.

Take the worry out of planning for Christmas

Some of the money saving groups I read feature people who are anxious about the cost of Christmas. There was a big discussion on one thread about how to keep costs down. One young woman said she would only have a budget of £100 and she was worried about the strain of buying for her various family members. There is something terribly wrong if you are losing sleep months and months in advance of the event. Planning for Christmas should be fun, not just another thing to worry about.

It reminded me of how I felt a few years ago with three small children to buy for, loads of relatives (I am one of four children) and a very limited amount available to spend on Christmas. Even if I stuck to £10 a person, it was still more than I could afford at the time.  I suggested to my family that we stop buying for the adults and just stuck to purchases for the kids. We all have plenty of everything already and have seen enough Christmases to be past disappointment if we don’t get a huge pile of gifts. Now we do a secret Santa for the adults and buy just one present for whoever’s name we pull out of the hat costing £15 – £20. It works really well!

However, it took a few years for everyone to agree to this. It seemed we were the only ones feeling the pinch. So I had to find other ways to save money. The following is an amalgamation of my money saving ideas plus those I have gleaned from Facebook to help you with your planning for Christmas.

Be honest!

Both with yourself and your loved ones. Tell them your budget and what you will be spending on each of them. Make it clear you don’t want them to go over that budget when they purchase for you. You might even decide between you not to bother, or perhaps to spend a little extra on something else, like a nice meal out together.

I know that Ilona from Life after Money doesn’t do Christmas at all and I respect that. She says, ‘I find it very liberating that I have chosen not to join in. My brain is not cluttered with the worry of getting the right presents, buying the right food, sending cards, and generally running around like a headless chicken trying to keep up. I can sit back and relax and watch everyone else getting their knickers in a twist. You will not see a furrowed brow on my face, you will see a wide grin from cheek to cheek.’ You can read an article about Ilona and her approach to the festive season here.

I love this! If you think it is a load of nonsense and don’t intend to join in with the rampant commercialisation of the season, don’t be afraid to say so.

Start early and spread the cost.

This is the reason I am writing this post at the end of August. I know that some of you will already be on top of your Christmas planning and might even have bought gifts in the January sales. However, if you haven’t,  buying something each week will mean you notice the impact of your spending a lot less.

I usually start about now, especially with Christmas food. I already have plenty of cards, gift wrap and decorations purchased in the post Christmas sales. Now I am on the look out for everything else!

Buy second-hand

Charity shops and boot sales, Facebook Marketplace, eBay and Gumtree are all great places for this. One lady on Facebook said, ‘I help in a charity shop and we often have new items in from big stores, and many of the toys look like new’. I remember doing almost my entire Christmas present shopping at boot sales one summer. I saved an absolute fortune and I honestly don’t think anyone was any the wiser!

Get creative

If you are crafty you can make all kinds of presents. Pinterest is awash with great ideas for making gifts out of scraps and upcycling. I used to love soap making and created some really special soaps one year that rivalled the poshest in Lush but were much cheaper. You can knit or crochet, paint, or  grow plants. Just use your skills and talents!

Photos of your children are lovely gifts for grandparents in a charity shop frame (if they are old enough, get the kids to decorate it). If you are a cook you could make foodie gifts such as cakes, chutneys or biscuits. You could make them up into a hamper. Home Bargains is excellent for cheap baskets to use for these.

Hunt for bargains and freebies

Check out the sales and join Facebook groups where excellent deals are posted daily. As well as the Christmas one I already mentioned, I like Spend Less, Live Better and Free Samples Giveaways and Competitions UK. Check out stores such as Poundland, Home Bargains, B&M, etc for stocking fillers like colouring books and pens. They also do great offers on bigger toys and nice but cheap items such as candles. If you have a gardener to buy for now is a great time to find bargains in these stores.

If you have a family to buy for you could make a hamper for them to share and fill it with inexpensive bits and pieces like sweets, chocolate, small toys, etc.

Use cash back sites

If you are going to buy Christmas presents online you may as well get some cash back – it soon adds up. I use Top CashBack often but have also just signed up for QuidCo. Both offer cash back whenever you click through to make a purchase to a retailer. If you click through to Top CashBack via my link I will earn a small commission and you earn £2.50 when you spend £5.

Give time, not money

One suggestion on a Facebook group that I liked was to offer time as a gift. You could give tokens promising babysitting, gardening, car washing, ironing, cleaning, etc. This is a nice gift for teenagers to offer older relatives.

Set a limit and make it fun

If you don’t fancy Secret Santa, how about setting a limit per person and making a game of it? I read about a lady whose family agreed their gifts to each other could cost no more than £2. This meant they had to be really creative – either a home made gift, something cheap but amusing from the pound shop, or a charity shop bargain. They tended to make the gifts funny rather than serious and had a lot of laughs along the way.

Don’t feel bad about not spoiling your children

Everyone knows children whose parents almost bankrupt themselves spending thousands on gifts. Do the children appreciate lots of presents more than two or three thoughtful things that they really wanted and waited for? I remember being desperate for a Barbie and her horse when I was a kid. Because I had to wait six months for it to arrive on Christmas day I loved it even more and remember the pleasure I got opening it to this day.

Ask for contributions

Finally, if you are hosting a Christmas gathering don’t be afraid to ask friends and family to bring a contribution. A bottle of something at the very least, but preferably a dish as well. It is fun to share and this way everyone is involved.

Does planning for Christmas make you anxious? What are your top tips for effective Christmas budgeting?

 

 

 

I’ll embrace this new trend

I heard on the news the other day that there is a new trend amongst parents not to overspend when buying Christmas presents for their children. Instead they are buying four gifts: something they want, something they need, something to wear and something to read.

I hadn’t really considered it before but this is more or less what I always did for my daughters when they were growing up. I didn’t have the money to spend hundreds on each of them, but I wouldn’t even if I had been loaded.

They had a main present -something I knew they had been hankering after – some little gifts like sweets and colouring pens, maybe an item of clothing like pyjamas or a new dress, books and perhaps a coat they needed. I asked my daughter if she felt she missed out and she said she definitely didn’t.

Before I had children I spent Christmas with a couple of quite well off friends with a two year old son. This little boy had so many presents it was obscene. They lined one long wall! He got over excited and was mostly running around throwing wrapping paper about. He couldn’t be bothered to open them all let alone take any time playing with them. He also didn’t open the little gift I had bought him so I have no idea if he liked it. I expect it ended up at the charity shop with half the other stuff!

I swore that I would never do that to my own children. I wanted them    to show appreciation and gratitude, and to enjoy their gifts of course.

I am always amazed at people who get so swept up in the Christmas frenzy they buy their kids an x- box rather than paying the rent. So I will be embracing this trend and I hope it spreads!

Love Christmas, Hate Waste

 

A Christmas wreath made from old magazines

 
I was exploring the Essex County Council website today and ended up on the Recycle for Essex site: http://www.recycleforessex.com/christmas, which has some excellent advice on reducing waste and lots of ideas on how to be creative with waste generally rather than dumping it.There are some brilliant Christmas craft ideas. I like these gift bows made from old magazines:
 

You can also make gift bags from newspapers, a wreath from sweet wrappers or magazines, loads of decorations from CDs plus there are useful links to other wastes for more inspiration.

An old CD becomes Santa

There is a link to the Love a Food Hate Waste website too, which is a great site. There are lots of ideas for using up your Christmas leftovers, from Christmas pudding ice cream to Stilton, ham and Brussels sprout tart! I bet that is nicer than it sounds 😊.

You don’t need to live in Essex to find some inspiration for reducing your waste this Christmas. Check it out!

I have been enjoying a blog called mymakedoandmendlife.com recently. Jen Gale has an interesting perspective on using less and wasting less which I agree with. She has had a lot of attention from the media of late too, with a piece in the dreaded Daily Mail about avoiding the rampant consumerism of Christmas and making it more simple. You can read it here. She and her family spent a whole year buying nothing and making do, and carried on when the year was over. She is a very inspiring person with a refreshing view on life.

What are your tips for reducing, reusing and recycling this Christmas? Are you trying to make it more simple and meaningful?

The week at Shoestring Cottage – catching up with myself

Well, the week has got away with me. I have no idea where it went, it was just one busy Christmas blur. And we still have almost two weeks to go!

I feel more on top of Christmas now. I have done most of my gift and food shopping, written my cards and started wrapping up the presents. I have begun having odd dreams  that suggest I still don’t quite believe I have control, however. Last night I dreamed I had somehow left the turkey out of the freezer and it was sitting in a bag under the tree, completely defrosted! We aren’t actually having turkey so I should feel reassured….

 

Christmas is here (and the cat doesn’t care)!

 Yesterday we decided to risk putting the tree up. I didn’t think it would last two minutes with the kitten but, to my surprise, although she was fascinated, once it was up she appeared to lose interest. The two year old tortoiseshell, Lola, gave the bottom branches a chew then also decided there were better things to attack. I got up and went to check this morning and the tree has survived the night!

Our student goes back to Angola on Friday. It will be nice to have the house to ourselves again but I will most certainly miss the income. Belts will need severe tightening until I get another and there is nothing on the cards at the moment. 

In the spirit of frugality I already have some stock on and will make some more thrift soup later (if you are wondering what that is see here). I have given most of the last batch to Mr Shoestring’s mum as she has the flu and doesn’t feel like eating too much at the moment. I also have lots of bananas that appeared to go from green to overripe in a day. I think this happens when they are stored at too low a temperature. I am thinking of making some of Jack Monroe’s  Peanut butter and banana muffins as they look pretty wholesome and perhaps also some banana bread for the freezer.

Speaking of Mr S, he has been struggling with severe back pain for a few months now and an MRI scan has revealed a ruptured disc and degenerative disc disease. We were both shocked by this. He is one of the fittest and most active people I know. So no lifting or strenuous activities for him at the moment. The physio has given him some basic back bends to focus on to get the disc back in place. Forward bends and twisting movements are likely to push it further outwards where it hits the nerve and causes the pain. We will also be taking regular walks and when he is a bit better doing some gentle yoga and Pilates to strengthen his core. I had a good chat to the physio. As a yoga teacher I am interested by exercise as therapy and how the body works. I would love to have the money to train in this area.

I found myself in complete agreement with Arnold Schwarzenegger this week – now, that’s a sentence I never thought I would type. He said that we should all eat less meat for the sake of the planet. He didn’t think many people would sign up to becoming vegetarian, but he did feel that they would support perhaps two meat free days a week. This is a good approach for the money saver too as meat is expensive. I tend to take this approach as my family do not want to stop eating meat but aren’t averse to the occasional veggie dish and we eat a lot of ‘ just a little meat’ type recipes where the meat is  a minor ingredient and there to stop them feeling deprived and to add flavour – a bit of bacon in a pasta bake for example.

I hope you are in control of Christmas and not getting stressed. I am off to do my yoga practice now to keep the turkey nightmares at bay 🙂

Forget it! I am not being a domestic goddess this Christmas 

How are your Christmas preparations coming on?

I have got myself into a financial stew in the past, buying people presents I couldn’t afford on my credit card and feeling an underlying anxiety about the whole thing. Never again! I have scaled down my buying to small but thoughtful presents generally, and I have money saved to pay for them. I reuse all the decorations and I have had the same artificial tree for ten years. I am not throwing any extravagant parties, although I will be having a meal with my team at work. I will write a few cards for those I don’t see often and maybe for some of my work colleagues. I have a huge stash of these that I have purchased very cheaply over the years in the post Christmas sales so I may as well use them.

I am not stressing myself out this year making Christmas puddings, mince pies, brandy butter and cakes from scratch. I work full time and I am quite busy enough without forcing myself to be a domestic goddess as well. I have got a pudding and cake already from Aldi. I love baking but not when it becomes yet another thing on my already too long to do list. It is only me and Mr S for Christmas dinner anyway so no need for a fuss. I am thinking about buying ready made beef wellington from Iceland for a change. Anyone tried it?

We are all off to my sister’s to catch up with the family on Boxing Day so I will make something to take to share there. I don’t need a big Turkey as we won’t be around to eat up the leftovers. I have some time off so I am looking forward to having some family time. The student is leaving on 20th December so the house will be ours again – until the next one anyway!

Christmas is nice but it’s really only one day. I am hoping for some rest and relaxation and as little stress as possible. How about you?