Awakening - the beginning of a lifelong journey

Well it's been a while since I have written anything here, and for that I do apologise.

The early years of a little one are frantic, exciting, tiring and enlightening  what a rollercoaster of emotions! Junior is now 5, and full of excitement for life.

As to myself, there have been some big life changes this year. 2016 started with a kitchen refit (I will update soon so you can compare the old kitchen with what we have now, a big big change and so much better for family life.

Since then there has been family bad news, career lows and then highs, and the start of a new beginning for me.

I feel in a much better space to commit to writing, which I enjoy doing and is such a great creative outlet.

So the blog posts I intend to write now are centered around family life, personal finance, retirement and some freelance musings. I’d love to interact more on the blog and I hope that my posts are helpful, and will engage you to chat, comment and break up our days with some far reaching tendrils around the virtual globe. 

The post coming up next is about 'how much' to save for retirement - a topic many of us don't want to think about much, but essential, especially in turbulent political and economic times...

Mmmm, I love the taste of vinegar in the morning...! Apple cider vinegar - Fact or fiction?

Ok, so that's not true. But I have been absent for reasons linked to being EXHAUSTED... all the time... possibly a tiny teeny bit related to having a toddler running amock... is that how you spell it? Oh you know what I mean anyway... to put it simply, with Autumn arriving, it has just cemented my tiredness.

My low enthusiasm for much more than couch-potatoe-ing. And that's definitely not a word but more of a state of being past Toddler-O-Clock. One glass of red wine, dinner, some Greys Anatomy or Breaking Bad episode (one or half a one), and I am dead to the world. What weekend excitement eh.

So, this got me thinking about food, nutrition, exercise etc. Note I said thinking, not necessarily doing...
So as I love research, I researched some of it, to at least get me into the mood of 'getting to' the doing. Actually, all jokes aside, food isn't the issue, it's the thinking time involved! Between work, toddler, my business run from home, and house, and of course hubby, sometimes we just survive the day.

Is that enough?

So the point is, what can I do that's easy, quick, and will boost energy on those hardest days when the sofa is calling?

Drink yummy(ish) apple cider vinegar, that's what. Here are 15 reasons why you should. 

My main faves are:

1) easily regulate your PH balance (ie, that extra Costa coffee you had made your body more acidic, and you didn't know or care).

2) easily gets a selection of good stuff - b vitamins, potassium - which it turns out you need lots more than 1 banana a day to get the right amount (in a top 10 potassium foods list, banana comes 10th, I thought it was top 3 at least but no!!!) You need potassium every single day, because what you got, or had, gets used in a flash. So this vinegar gives you something towards that and other good stuff too. Banana vs Apple Cider Vinegar. - ok so the banana is bigger but will put more weight on if you tried to get all your potassium there...

3) Save a bunch of money cleaning the house, and even as a lovely hair rinse and other beauty uses. Like a (ok slightly smelly) facial tonic, great hair, added to sugar scrubs, cupful in the bath and more.

There is alot of fact vs. fiction out there, old wives tales, wishful thinking, and marketing hype. So what about facts - let's check out some:

Facts you didn't know?

• Use it as a natural 'personal lady wash' to balance things down there.
• Rinse with it as a mouthwash to naturally get rid of dental plaque. You may also get rid of romance though. And less enamel.
• You might lose weight - there's lots of talk out there that this works. Why? Because it helps you feel fuller for longer, and stabilises your blood levels, so less snack attacks hopefully!
• Give it to your pets - staves off allsorts and they won't notice it in the water supposedly. Less fleas = happy everyone. 
• Good for diabetics and lowering cholestorol - one of the key facts,
  See here for more facts.

Ok, as you expect, I have got some fab links for you to save you any work in looking into this stuff. 
But let me leave you with this:

• ONLY buy the apple cider vinegar - regular vinegar or regular cider vinegar won't do.
• Only buy it if it has the Mother in it. The Mutha baby. This means all the good stuff has not been processed out. The label should state this clearly. I personally buy Biona in the UK, but over in the USA the Braggs brand is popular.
• Drink it with honey and lots of water. Only other way is neat on salad. Do not take as a shot unless you want painful throat and no more tooth enamel. I love it with water and molasses - that way I get my potassium and my iron for the day in one drink.
• As with anything, do not overdo it! You still want some teeth, and stomach lining!

Combined with a healthy diet I'm sure it can't help to try, and at less than £3 for a big ol' bottle, I'm sure going to give it a go. I know it's not a miracle food but worth trying as an addition to my salads etc.Let me know how you get on!

My experience so far:

- I do feel more energetic - this could be down to anything, but seems to have helped somewhat.

- As a face tonic, this has smoothed my skin, so I have made a tonic with green tea and apple cider vinegar as per the link below, I'm sticking with that from now for sure, as a bottle of toner now costs me pennies.

Before I forget, a special thank you to Aurora from Freya's Rainbow for your link, much appreciated, and so nice to be in the ethical/green-minded community - thank you!

Youtube links:

Benefits of apple cider vinegar

Apple Cider Vinegar Toner (skip to around 1m 40 seconds to skip the intro)

Apple Cider Vinegar Facts

Braggs Video (ok so it's self marketing, but interesting to watch. I love that Paul Bragg was a Life Extension Specialist. What a job title!)

Have a great weekend all!

xxx

Top 5 Savings Now Posts - Have you read these?

Hi everyone.

I finally got round to tecchy-mode and was checking the stats on my site to see what you folks enjoy reading the most.  So this weeks' post is about sharing the most popular blog posts so that new readers can have a read through and existing readers can perhaps get inspired:

Washing up liquid for £0.10p.
Yup, a whole 10 pennies. Maybe these days it's £0.15 with inflation!

Bagels for £0.05p & Comfort food ideas
Another popular one and bagels can be eaten all year round, so yummy you will never go back to store bought!

Bulk buying bonanza - save on shopping
This is one of the key ways to reduce that shopping bill, try to start in June and see if you can stretch that shopping budget.

Cashback site - Quidco
This is one of the leading cashback sites, have you joined yet? Don't buy a thing online unless you go via the Quidco 'doorway' first.


and by far the most visited page is....


Shabby Chic Kitchen
By far one of the most viewed articles on this blog, I'm glad so many others share my passion of shabby chic and got to see my journey with this kitchen! So much more to be done still.


So there you have it, I hope these articles inspire you in some small or big way, drop me a line if you have any challenges you are trying to beat right now, or have your own blog to share x

My diary, my colours, my rules!

I'm a stationery addict as I have said many times before, and I think anyone who loves crafts or stationery, probably enjoys having notebooks and/or a diary and the coloured pens etc that go with it.

For me, a Fliofax was ok but just too expensive to maintain, so I wanted to have my own diary that I could custom make to fit how I like to make notes. For example, I might not want to write notes on the same section as today's date, personally I like to keep just my schedule on the date/day of the week. So I bought a pocket sized Moleskine, because I loved how durable they are, and I created a week to a page diary. On the right is the actual days of the week, then on the left is for notes, to do items etc. At the beginning of each month I have a month on 2 pages view. So that way, I can outline what is happening that month, note what days I am working, note any birthdays coming up etc. I also then mark that information on the actual day of the diary.

I can get creative decorating the outside of the notebook, using different colours, materials, quotes etc, and I have a little collection of them now, which has grown over the years. I can go back and check anything I need to, and it just doesn't feel the same when you do that with Google Calendar. I guess I am more of a visual person, so out of sight out of mind, which is why leafing through the diary daily helps me keep on top of to do items.

Youtube and Pinterest have inspired me massively - you can really see how creative people are with their hobbies/arts etc. I think for now I will continue on this line for diaries, as my 'electronic age' seems to have been a few years ago and I am reverting to type!

How do you organise your daily tasks, is there anything you absolutely couldn't live without to keep you on top of things? Have a fabulous weekend everyone!

Anyone for coffee? Create a shabby chic coffee bar at home

Hi all, and hope you had a fab Easter!

Now the Easter break is over, and I have finished a bunch of stuff for work and my other business customers, I felt like I could get creative again even if just for a few hours here and there.

In the past few months have discovered a world of interesting videos on YouTube, from making soap to making your own diaries. I had looked before, but not had the time to try out these things properly. Wow, people are amazingly creative!

In my family we have a soap maker, so I was very inspired to try and create some soaps - I have now made a basic castille soap, and in 3 weeks time it will be ready to use, so I will report back here with the results and more info on another blog post.

Anyway, all this to say that with the extra time, I decided to copy an idea I saw on Malitose79s videos (Organising tip of the day), she made a coffee bar and I loved it! Anything shabby chic is great by me, so I thought I would come up with a project to do something similar.

I had already bought some chalkboard a3 sticker sheets and this was the perfect way to use some of them - I didn't even know you could get chalk pens, these are so amazing and much better than regular chalk! My stationery addiction is now 100 times worse, so I think most things in my kitchen are now going to get chalk labels...

I got the green oilcloth from Dunhelm Mill, it's a great vintage cutlery design, and I bought half a metre I think, and have lined drawers with it, done this coffee bar, made some cash envelopes (for the Dave Ramsay Cash Envelope System) and still have loads left. Oilcloth is fab, I will need to get more...

Then I reused my Bonne Mamman jars as I love the lids so much, i think they are always so pretty especially if you have a group of them. You do need to make sure they are sterilised if they are going to store liquids, dry stuff you can be a bit more relaxed with a quick wash in soapy water.

The coffee bar is a great idea, it can be as customised as you like, maybe even a tea bar instead? A very specialised selection of fine teas, perhaps some mini marmalades? I plan to get some sugar lumps, some thin pots to store cinnamon and also some of those coffee syrups like hazelnut, then it will really feel like Costas.

And maybe as a result I will save a ton of cash!

What are your latest projects and where do you get inspiration?

Hello, I'm a Pinterest Addict... and I'm stuck on an idea.

Yes it's true. We've all been there - intending to go on there for a few minutes, and an hour later still on there bursting with ideas, new menus, fashion, decorating projects and more. At the moment my main two Pinterest addiction areas are: Garden and Walk In Wardrobe ideas.

I'd like to do lots more to make the bedroom our haven, as with a busy work life and AJ approaching the Terrible Twos we certainly need a peaceful haven at the end of the day! The theme is purple, silver and vintage-y.

With that in mind here's one of my latest creations:

I found the frame at a car boot sale for £3 and took out the horrible oil painting inside, cleaned it up and bought a metre of crushed purple velvet from Dunhelm Mill. A couple of pins, and then two of my favourite necklaces - done!  Behind it is a scrap of the wallpaper we used in the bedroom, sorry it's not that visible, .but it reflects the light really well in the room.

Now I just need to finish a bigger version of this, a larger and slightly less decorative frame, which will hold all my other necklaces and earrings etc. Well, I say *all*, there's a handful, we don't spend much on ourselves these days. All of this is aspirational - might well cause me to completely revamp my wardrobe! So anyway I'm stuck on how to actually do it, though I have the frame and the velvet...

Apart from that my plan for the (small) walk in area involves this wallpaper at the far end:

Typically just my luck that when I go to Next and fall in love with it, I then discover that although they have the samples, they no longer stock it *at all* as it's sold out. SO then I end up being fleeced on eBay as people have started selling it as 'rare'. Still, I only need one roll hopefully and I do love it. So my tranquil haven is one step closer.

Now just to get wallpaper stripping and roll up my sleeves... think I would rather have a glass of wine!

Can anyone inspire me with jewellry storage ideas involving picture frames, vintage, small spaces?

£0.05p bagels and comfort food ideas for the cold weather

Hi everyone, well happy new year and tut tut to me, what a Bad blogger I am! Christmas and work have literally been huge focuses over the last couple of months, and needless to say one little toddler who just turned 18 months.

I can't go to work today due to the snow - it's worse than the photo below now, which as taken at around 8:30 this morning:

Anyway today I want to show you some of the things I have been making lately. Firstly cinnamon rolls, which hubby loved and I decided I will only make once in a blue moon because they are BAD for the hips:

AJ helped, by making 'Socks A La Mode' for dinner:

Next, I made bagels, which I had always wanted to try out. They are great fun to make and after several recipes and a few not so great results, I finally found a good bagel recipe to follow. The only changes I made to it were to bake at 180C (fan oven), and only for around 18 mins. I also like to add an egg wash to the tops before putting sesame seeds, rock salt etc as it sticks better. Rosemary, chilli and garlic are one of the good flavour combos I found for savoury bagels. For sweet ones, the classic cinnamon and raisin is fab, I also did a Christmas one with dried fruits, nutmeg, cinnamon etc. I also find that adding semolina to the bottom of the baking tray before baking means the bagels don't stick, plus gives them a lovely floury consistency underneath.

Please, please make these - loads of fun and so cheap to make - strong flour, sugar, salt and dried yeast are all you need for basic bagels and a batch of 8 bagels as per this recipe is probably only £0.35p ingredients wise. That's around £0.5p a bagel, insane!

Hubby gave me a lovely book called 'Sweet Tooth' for Christmas, an artisan baker in London wrote it and it's lovely plus explains lots of baking techniques, I made these muffin sized banoffee pies from it:

So as you can see, I've been experimenting lots and learning! I've also signed up for a cake decorating course Monday nights, something non-business like so my brain can relax into something and zone out in me-time.

Anyway have you cooked anything great lately that you want to share?

I'm def going to be cooking comfort foods in this weather - tonight will be chicken pasta bake I think as we have a chicken to stretch out into as many meals as we can. Stay warm and say hello below!

September update

Hi everyone,

Well our little bundle is now 7 weeks old and growing massively every day. Not to mention the changes in his personality and how much more alert he is!

I guess our money saving efforts have been slightly less, but, our focus has been on bulk cooking food, then also using washable nappies. These 2 things are the main ones I have time for right now and do save us some cash.

We buy things like mince meat, eggs, fish etc in bulk, then try to bulk out the meals. Jacket potatoes are easy, batch cooking soup then freezing it helps, plus making muffins that can be healthy snacks for example is useful. My last batch was 12 banana walnut ones, I should have made 24 though to make best use of the oven being on...

Enjoy the last rays of sunshine everyone, seems Autumn is already round the corner!

Shabby Chic £15 TV unit and tiny steps approaching!

Hi everyone, hope April has started well for you!

Well lots has changed in our houehold over the past few months - hence the dip in my blog posts. The big news is... we are expecting the pitter patter of tiny money saving feet ;o)

That's right, so it means that money saving, money making, and home improvements are top priority on our list, even more so than before. So when energy permits, I have been undertaking various projects, to get the house ready for our little one.

I have shown below my latest project - revamping a £15 nasty orange pine tv unit.

Here is the 'Before' image:

The process I followed this this unit was to: Clean the unit with a damp cloth, you can also use sugar soap depending on how dirty it is.

• Wipe down any sanding residue and allow to dry.Sand down the whole unit, taking care with any detailing.
• Paint with an initial coat of primer, to tone down the colour and save on paint later.
• Choose a good paint suitable for wood - here I have used Wimbourne White by Farrow & Ball - not cheap, but I was painting some other chairs with it (also shown on this blog) so in a way it was more money saving than buying a new tin.
• Use a good brush that doesn't lose bristles and make sure you wash it after each coat. If you are unable to wash it and the coats dry quite quickly, wrap the brush in some wet cloth rag, so that when you come to use it again a few hours later it won't have dried out. Never leave the brush with paint on it overnight (new brushes are very expensive).
• Paint around 3-4 coats depending on the item, you may wish to finely sand each coat before applying the next coat, and allow to dry after cleaning any sanding residue.

For this unit, I did not paint the top, instead I used Danish oil - this required around 6 hours between coats. I applied 6 coats in total. Once fully dried, you need to polish the surface with a clean, lint free cloth as it really brings out the shine. Our stairwell hand rail also got this treatment and looks great plus feels so smooth to the touch.

Once finished, I bought 2 new clear heart shaped handles from ebay to really add a finishing touch and these cost £3.50 for two plus postage. Here is the finished product:

All in all, I think this project took me around 4 hours but it saved us buying a new unit, as this one fits the spot perfectly size wise, I just didn't like the colour. I have seen similar in Laura Ashley that cost alot of money, so we are pleased with the outcome!

Do you have any makeover tiips or a blog showing some projects? Do drop me a comment so we cal all learn and share tips!

Heated White Christmas? 1st year in our new home

Hello everyone and apologies for the delay - the reason being that we have finally finished out bathroom (and learnt alot about contractors and project management in the process) and I have also been learning to drive this Summer so am preparing for my test.

The bathroom has been done on as much shoestring as we could find... the flooring is black glittery industrial vinly, from ebay, the shower screen is glass and rounded on the top, also from ebay... bath and sink came from Freecycle, and tiles were cheapest we could find at B&Q. We also did our own tiling. Even so, this was soooo much more expensive than expected, so we were naiive in our hopes for costs! Even so, we are so pleased to have done it now and hope to have finally paid it off this month.

Last year around this time, we were 2 weeks away from moving in. When we moved in, it had snowed the day before so we had ice to content with, a massive hill, and freezing temperatures. This alongside the cleaning of our old (rented) property and the joys of dealing with the landlady to get our much needed deposit back. Plus when we finally did move in (after a second bout of snow, moving in one single box at a time as we slipped and slid up the hill), we had NO central heating.

So now, we are enjoying having heating, warm carpets and a bathroom we can be proud of. Year 1 has definately been expensive and testing, but we made it and we hope that year two will bring less DIY and more fun and enjoying adventures!

I will soon also update you all about my new cashback guide, it will be much easier to get the information and see which sites are best - please see the right hand side menu for now for the sites I have currently listed and the basic technique.

Stay warm and i will blog again soon when I have an update on the next stage!

Avocado be gone - sorry 1970's! Plus banishing bannister gloss...

Hi everyone,



Great to have your comments and as promised here is a little more about what we have been up to– my update today covers lots as you will see!

 We have now completely sanded down the banister – the layers of gloss on there over the years were pure hell buut I am so pleased to have it fully stripped back now. Here are my suggestions for anyone looking to do a similar job!


1) Make sure that if you are trying to remove gloss, you use either a paint stripper or a mechanical sander with quite high abrasiveness. I used paint stripper then tried to sand the rest by hand – impossible with gloss! The paint stripper is a gel that can be brushed on, left for around 30 seconds, then scraped off. Cover the floor with newspaper and definately, definayely used gloves and cover all your skin, this is nasty stuff so open windows too. Make sure you use an old tin can, I washed out an old cat food tin, and an old brush for the gel. Once you have stripped all the goo of and it is dry, clean it down with white spirit.


2) Use a fine level of abrasiveness for the final sanding – I chose to do this by hand as the banister is pine, so needed a gentle touch not to dent the soft wood or remove too much.


3) You can stain the wood if you want to show the grain more. I may do this, though I am torn as I have also head that oiling it is good – I am not sure of the difference but I have stain, whereas I don’t have wood oil! Have also heard a lot about waxing, I have some beeswax at home which I have used for some other furniture. However have also heard that waxing is no good for areas that may get wet and as the bannister is near the bathroom it may be people have wet hands after washing, so I may have to oil the wood instead of waxing.


Any recommendations greatly received!


Our other project has been our bathroom, this started as a small job to simply replace the bathroom suite which was avocado… and has now turned into a full bathroom refit! Needless to say we were not expecting to pay for this level of work, these things just have a way of creeping up on you, each decision you make can lead to more expensive decisions. Be warned!



What we have learned from this is that:


1) Get at least 3 quotes from reputable traders from a site like checkatrade.co.uk. Try to use local companies, as they will charge less generally as there is less travel. Sometimes an out of town company may charge less if they have other jobs in the area the same week for example. Also worth getting contractor quotes for the whole job (they will do all the sub work too), then getting individual quotes for plubming, tiling, plastering etc and seeing which works out cheaper for you overall. Depends how much time you have as well because if you hire various different people for different jobs you will have to be more involved.


2) Once all quotes are in, don’t always go for the absolute cheapest – are they busy? Have they done this sort of work before? Just in chatting to them do you get the feeling they may take shortcuts? Of course it’s hard to foresee everything but some will charge little on the basis that they are in and out with little regard for details or your actual needs.


3) Always, always know the measurements and details of work before they arrive to quote. Give each person the same brief, so that when costs come back you are comparing like for like. We did not do this and with each contractor we learnt more, so by the end we had a better idea of what we actually needed, and so then called the first two to add more detail for a more comprehensive quote. Knowing the square footage for the tiling we wanted for example would have saved us time, and given us more accurate costs for the tiles.


4) Find out how long the job will take and when they will need access, how will you get keys to them, or will you take time off? If they are reliable they can perhaps collect keys from you the night before, and if you end up taking time off, factor this in as a cost, as you would surely have preferred to be having a nice day out instead!


5) Don’t walk into the big DIY warehouses and buy all your fittings and accessories. Take your time and plan ahead. We have bought only basic materials from there, flooring came from ebay, the bath panel came from another online company, taps came from another and the shower screen from ebay. A custom mirror and glass shelf will be bought locally for just £85, a fraction of ready made ones and these are custom size for our bathroom. We are also considering making our own bathroom cabinet, as these can be so expensive. If we make our own, it will fit our bathroom much better (we hope!) and make use of all available space, a premium in a small bathroom.


6) For finishes in a small bathroom, use mirrors, gloss furniture, pale colours and chrome if you can. This means not only light is reflected but also that the look can stay timeless, and you can just change towels/accessories to update it.

 To save cash we are doing our own tiling, this saves around £240 in labour costs. Sure it may not be as perfect but we will have to live with that for the savings, and let’s face it, any improvement on the old bathroom is better than nothing! These will be plain white tiles, 40cm x 25cm, in a brick style layout.





So there you have it, I will hopefully add picks next time but as Flickr have changed how images can be used, I will have to find a new way to show you our latest adventures!


Please share your comments, thoughts and tips so we can all learn how to save cash and improve homes on a shoestring x

Autumn is here - time for chutney, roasts and saving money!

Hi all,
Sorry for the delay - busy few weeks, more DIY and also work aplenty!
I promise to update soon and hope everyone is well - my latest project is the stair bannister and redoing the bathroom, which we are obviously trying to do as frugally as possible...

Summer plans

Hello everyone and sorry for the delay. With work and high rennovation costs, we've had a lot on, which I hope end of July and early August will finally calm down.

We have been able to do a lot in our new home these past few months, but not only is it a costly time but so tiring as well! You also learn how inadequate you can feel when DIY is daunting... however it's a great learning curve. My next project is to re-cover some £5 wooden chairs we bought second hand, then repaint a bathroom, all as inexpensively as we can to try and claw back some of what we have spent.

My next post will hopefully show some recovered chairs with before and after shots, and some re-painted bathroom - with before and after shots too! However I know I need to finish off the kitchen first - still a few doors to go, so some elbow grease and a final push needed.

Does anyone else here have some porojects on the go - or planned for the future?

The beginnings of a shabby chic kitchen

Hello everyone,

I have been busy with our kitchen - so thought I would show you the work that has progressed so far. The kitchen has dark wood units and deep blood red walls which were not doing it for me, so we have started to repaint the units as well as the walls. I would say that right now it's 60% complete, take a peek at the photos to see what I mean. The photo to the right is very early on before we even moved in.

You can see the dark wood units, deep red walls, carpet tiles on the floor plus to the right and old Economy7 heater on the wall.

Once we moved in and the cold weather had become less frosty, we decided one Saturday to completely remove all the kitchen carpet tiles, not olny were they unsightly but I feel unhygeinic in a kitchen, they came up very easily but did leave traces of carpet glue which are very hard to remove. As we are planning to redo the kitchen floor, we have left the floor as is for now. Now we just have to think of colours and types of flooring to put down and assess how much this will cost and when to do it.

Then below you can see the start of repainting the cupboards - I bought 'champagne' colour cupboard paint from the Crown range of paints, and although it does say 1 coat, have learnt I should never have trusted that and although the results are ok, would use a primer next time. I washed each door, dried it, then sanded down and once sanded and cleaned, applied around 4 coats to the back panels and 5 coats to the fronts.

My next project was to find suitable handles, which i did by first checking the DIY shops, then seeing if I could get similar things online for less. Sure enough, ebay came through for me and I found some shabby chic handles which were ex-MFI stock.

You can see to the right what the handles look like once applied, they add more light to the dark kitchen and I do love how well they go with the cream. At this point the walls were still nagging me, as the colour was too dark for the kitchen and i didn't feel veryt relaxed when cooking, too sinister a shade of red I think!

So whilst we carried on painting the units and applying handles, I started to think about colours that might go with the style we wanted which ultimately was shabby chic. I looked at many colour charts and we did purchase some samples as well, painting them onto the dark red walls to see what the finish might be like.

I chose a sage green colour, as I have heard this works well in kitchens due to opening the appetite! However I was also aware our north facing kitchen might feel cooler with green, so I was careful to choose a relatively medium/warm shade rather than a bluish green or heavy green. As you can see more units have been painted and we have started on the walls, but the red is still showing in places!

So far we have spent around £70 on cupboard painting and brushes, another £15 on wall paint and around £35 on handles. I think that for £120, it's enabling us to live with the kitchen for quite some time yet without wanting a brand new one, plus we are learning alot along the way and living with it like this will allow us to discover in time what a kitchen really needs to be like when we do buy new.

Spring has sprung!

Hi everyone sorry for the delay in keeping in touch. I have family emmigrating, work has been busy, and works starting on our home so things have been very hectic.

However, we have managed to start planting - so far we have some lettuce, carrots, tomatoes, chilli, potatoes, onions and sunflower seeds. This year though I really want the lettuce and carrots to survive - hopefully I will do it right this time! The sunflowers have already started to peek through so the first 2 leaves are showing now... Then we also got some Jasmine, which I need to figure out how to take care of as it is delicate, but I do love them so much.

The main thing I have learned this month is that a) budgeting has gone out the window, my finance management skills need severely reigning in, b) car insurance quotes are a nightmare and all seem to have differing standards and c) don't beleive it when cans of paint say 'one coat'! I have learned that primer is almost always needed when repainting - I will share a photo on here soon so you can see what I have been up to in the kitchen.

The other thing I have done is joined a site called FreebieGB, who give you a free prize if you register, select a prize, then refer a few people (amount of referrals depends on the prize you choose). It may not be for everyone, but it sounds to me that if you club together with friends and family to sign up, you will get an item you can all share. For our family we will be doing the TomTom Satnav and I have followed the sign up procedure with FreebieGB. Then all of us can use the TomTom amongst us and it saves everyone some cash. Anyone with any feedback on these guys feel free to share, but it looks good so far.

I will add some photos here soon of both the seedlings and plants, DIY work so far and also some lovely finds we have come across second hand, to maybe inspire folks who are looking to change decor or buy items cheaply. I love the idea of recycling items and giving them a second lease of life, plus furnishing a house with mostly second hand items.

Enjoy and do drop in any comments on what you are up to now the sun is out!

Home - How To Start Anew

Hello everyone,

I do hope you had fantastic Christmas and new year. 2010 is truly upon us now!

I have had no time to write really as we are still settling in, and with no furniture and no gas heating, the cold and needing household items have taken priority. However, we are not going to rush.

The rule for our new home is - unless we love it, it won't be brought into the house. So we'd rather wait and take time to buy than rush on grabbing things this month. It means we will have to do without for a while but also means we will be more careful. No more buying something that 'will do for now', as we'll have a home full of things that are just 'OK' and we will end up giving away.

The garden will need some attention soon, and it will be an amazing feeling when I have time to actually look out there and learn what needs to be done.

Any tips from folk on here as to what I can do in January/February garden wise would be awesome, and of course any other tips for a new home.

So my next post will no doubt be on some of our new experiences as we start to furnish the place, get bargains and start to hopefully cook more and utilise the space better (as currently it's a mess!).

Have a great end of weekend and hopefully I can do some blog reading and drop by your blogs soon, now the whole move is over!

Reasons to be happy it’s Winter!

Ok, ok so the headline grabbed you – but today I do want to bring forth some of the benefits of Winter, so we don’t all fall into a gloomy mood! Bet you thought there weren’t any but here are some of the reasons that I think Winter is worth appreciating:

- Food – Summer food is light, colourful and fresh but let’s also remember that it can be more expensive too. In Summer we’re more likely to be outside and with outside, comes expense! In Winter we have the chance to bulk cook again, get that slow cooker out, dust it off and start thinking what delicious warming meals you can make. Here are some of my favourites: Chilli Con Carne, Beef Stew, Chicken Noodle Soup, Chilli fajitas with avocado, yoghurt and cheese, Sweet Potato Lentil and Carrot soup, Lentil and Bacon Soup, Chicken Curry, Roast Chicken (stretchy – as one ‘stretches’ to around 3 meals plus lunches!), Homemade Rice Pudding and Lemon Curd. So start looking around for ingredients now – you can still make healthy but inexpensive meals to claw back what you spend in Summer, or, put towards the Christmas festivities.

- Hobbies – Yes that’s right, we finally have the time for those things that were put to one side, like the game you wanted to play a bit more of, the tv series you wanted to catch up on, photography, listening to music, perhaps for the more energetic even working out a bit more. How about making beauty products? You can see on the right hand side menu of this blog many entries from me, most of which I have more time of in Winter, so why not give it a go and make something that will save you money on gifts, or on your personal beauty budget for 2010?

- That follows on nicely to Budgeting. Yes that’s right – even more time to make sure the tax man, supermarket, insurance company, mortgage company, bank, restaurant and high street don’t have quite so much access to your extra pennies. Now is the time to set up your budget and stick to it. Plan ahead for 2010 for the things you really, really want, rather than those things that ‘come up’ each month and end up being where most of your hard earned dosh goes. Is your insurance coming up in the next few months? Set yourself a reminder. Is your credit card interest free period ending? Make sure you remind yourself of that too. Yahoo, Outlook, your phone or even a trusty paper diary will help you keep on track. Mainly though get that budget spreadsheet going – see www.moneysavingexpert.com for his free one, or contact me and I have one that works well in addition to the one Martin Lewis provides. In fact see my username on MSE (EagerLearner) and you will see my spreadsheet linked to in my signature there for you to download instantly.

- This leads onto cashback sites – once your budget it set up, claw back even more on top of that by using these sites. You want to buy a laptop? Rather than walking into your PC World store for example and buying the one you want, can you go via a cashback site to the PC World site and get the laptop you want online? I did this last weekend, and will earn around 3% cashback plus another 1% cashback from my credit card. This will get me £20 off for no effort at all! Christmas is coming so use cashback sites as much as you can. When insurances come up for renewal, cashback sites will give you hundreds of pounds back in your pocket. Same thing for switching energy suppliers (FatCheese is offering £110 to switch to Scottish Energy which I will seriously consider in the new year).

- Christmas – Of course, I’ve already mentioned it about but it needed it’s own entry. So many chances to make someone feel special by making them something, to save on gifts, to spend time together, eat good food and have fun. It’s not always easy as family gatherings can sometimes be stressful but try to get back to basics and ignore advertising and other people’s standards – no huge amounts of money needed just patience and agreement, plus possibly a love of homemade wrapping paper and experimental gifts!

- Home – Yes that’s right – your home! Seeing as you are now indoors more, what can you do to make your home a nicer, warmer place to be? Are there odd jobs to be done? What about money saving ones like DIY that could save on heating? I’m a renter but as soon as I have my own place, I’ll be spending time improving my place and adding personal touches. Thicker curtains, improved heating, better kitchen storage ideas, homemade surface sprays, homemade beauty products, and your lush homemade cooking will all make you proud and save you money!

That leads me to think that Winter is a great time that we all need – it’s natural to want more duvet days, shelter from the rain, wind and cold, cosy up and enjoy relaxing more. Watch that (rented or borrowed rather than bought) dvd box set, tuck into your homemade stew and fill up the water bottle!

I hope you get some inspiration and that some of the links through this site help you, please click sponsor links too if they are of interest as they support this blog.

Next blog entry will be about my soap making adventures, more Christmas ideas, home hobbies and what we can do in the coming months to enjoy Winter some more… Do share your ideas so far so we can all discuss and try new things!

Changing Hobbies for Changing Times

There was once a time when I would spend all my time in the shops on weekends, desperate to fill my bags and bring home rewards for a hard working week. I would really feel disappointed to return empty handed. I would feel bored at home and literally feel that if I was at home, I was missing out on something.

The same thing went for holidays or breaks, I would plan them ahead and look forward to my time off as a reward for hard work. Nothing wrong with this at all, if we can afford it and if we have no other bigger aims in mind for the cash.

These days though, I see that the last 3 years have changed how I see things. I was fortunate enough to find moneysavingexpert.com before the credit crunch hit, and so had around 18 months of 'practice' saving money and building an emergency savings fund before I actually saw the financial storm roll in and crash upon our shores.

Instead of expensive shopping and holidays I have now started to enjoy these more credit crunch friendly hobbies:

- Making homemade beauty items (saves a fortune, sometimes goes wrong but still saves so much and is more natural for my skin).
- Scouring charity shops for clothing and vintage plates etc - it also gives me inspiration for items we might like in our future home.
- Reading (I get out library books, which saves a fortune on books and is greener too)
- Visiting places in England instead of holidays abroad, or if we do go abroad, we spend as little as we can
- Making homemade cleaning products, not only cheaper but greener too
- If we go out for dinner we try to use a voucher like 241
- Never paying full price for a movie (get a free Orange SIM card on Google and then go to the cinema on Wednesday with a friend to get a free ticket).
- Scrapbooking (well, gluing onto paper!) ideas for our future home
- Growing tomatoes, basil, coriander and parsley (will try garlic this Autumn)
- Laughing at marketing on adverts which claims you 'need' an item to feel great, young, sexy, successful etc etc
- Homecooked meals - I cook in batches and then freeze to save time in the week when we are more tired. I really enjoy cooking when I get into the mindset - radio on, focused, relaxed, just need to make it happen more!
- Games and times together with my husband - planning ahead, getting to talk properly and feel connected is completely free and enables us to feel we're not just working the 9-5 grind all the time.
- Plan ahead - To avoid buying things new, I am following what Amy Daczyn from 'Tightwad Gazette' suggested - think ahead of items you might need. It hasn't happened fully yet but I am working on it, thinking now of items I might need in Autumn/Winter and keeping an eye out for them.

I do find it hard not to just sit and watch TV when I get in thoguh, so I am learning to be more productive with my time, like I have a list of things I 'Need' to do, but I also want to create a list of things I 'Want' to do. These can replace the need for shopping or over indulging, so that when I do want something special, it won't feel like I have been greedy!

How do you avoid spending money these days - have you replaced certain hobbies with others? Have you learned new skills? Are your family and friends supportive and encouraging? If we can all exchange ideas I am sure we can learn alot!

Are you prepared for the bleak winter of 09?

Ok, so the title sounds scary but the truth is, with job losses, increased costs, energy prices changing all over the place, Swine Flu panic and strikes, we’re all at a loss as to what the next 6-12 months will bring.

I know of people whose mortgages have reduced by about half, and instead of saving the cash, they are preferring to go on expensive holidays. Normally I would be tempted by the same thing in their situation, but in the current climate? No chance.

If you do not have an emergency fund to be your safeguard in this recession, please start one. It is better to have something as a buffer than nothing. It means if you are ill, or your partner is ill, or your washing machine dies, or your car just suddenly stops, you have a stash to cover the problem. Even worse – what if you are ill for several months, or you lose your job?

I started saving £5 a month many years ago when I earned £80 per week, my rent was £40 of that. It was back breaking work and very hard to put that £5 aside, but I did it. The years went by and I increased the amounts as I could, I couldn’t yet afford a pension yet so at least I thought I should increase the savings slowly.

That idea stayed with me and I kept it going. That £5 a month turned into a thousand after a few years which made me feel I could cope if I lost my job and needed to look for another one.

These days, the recommendation is that you have 3-6 months worth of salary just in case. It means if you lose your job, or want to change and walk away from the job, you feel safer.

Savings rates are not amazing right now, but the main reason to do this is for protection, not rates.

So no matter what the next 6-12 months bring for us all, please make sure that if you are paying any debt obligations, you also put a little aside for the emergency fund. You will feel better and able to look ahead and not worry as much about what will happen. We are all in the same boat, so worth having a lifejacket!

How to organise with no time!

Ok, we have all been there – trying to get stuff done, it all piles up and you suddenly have a moment where you think ‘How can I even make a start on all these things’!
I have been a bit like this lately – lots of things I had in my ‘head’ list but never wrote down or if I wrote it down it was on a post it note I lost under a pile…

So today marks a new start – I will write more down and every day take a few minutes to revise the list and see what I have still to do.

The key with this will be to mark each item with a deadline date. With out that, items just sit on the list. I can cross them off, then by the end of the week write a new list for the week ahead, hopefully with less items (ha ha, as if that will happen!).

This isn’t just for regular things like collecting dry cleaning (which by the way is a pet hate of mine, I don’t buy an item that needs dry cleaning as all I can see is expensive bills in the future each time it needs to be dry cleaned!) – anyway – this list is also for hopes, dreams, research and more.

Make A List
So your list might be a mix:

- Book dentist
- Call friend to arrange movie
- Research soap making courses
- Buy birthday present for brother
- Check phone cashback
- Pay tax bill

Each one needs a deadline date, or you might mark the item with several asterisks to show a higher priority – say 3 asterisks (***) for important, two (**) for important and one for normal (*).

Online and Technology Helpers
Also Yahoo mail offers a calendar which might help you get organised too, as well as mobile phone applications etc which can buzz a reminder at you at a set time. I use these mobile reminders especially for appointments, as a written down note will not get me there guaranteed for the set time! Very important especially if your dentist charges you for cancellations/not showing up!

Plan Time & Money
Obviously if you have a month coming up with lots of tasks to do with birthdays, it would be an idea to budget that cost in ahead of time, so you know you will need more time for research as well as the extra cash to spend. If you research a few months in advance, you might be able to pick up the items cheaper at car boot fairs, on Amazon 2nd hand etc etc.


Set Days
Another things that I would like to do, for housework especially, is set a day to do certain things. For example, Tuesdays might be 5 minutes polishing and dusting when I get in from work.


Get Help
If you are really struggling, who can you ask for help? Even small things removed from your list and onto someone elses' can help you tackle the other tasks much better. You may feel embarassed to ask, but often people realy don't mind - to you it's something huge in your mind, to them it's something they can handle easily and it's such a relief to you, plus they feel good for helping out.


Sit Back and Assess
See how it works for you – one persons method may not be the same as someone else’s best way to do things, you can chop and change to suit.

We all fall short of the super-organised ‘ideal’ and I know that for me both writing things down and having a Household Binder helps a lot (see the Organizing category on the right for more info)…