Summer porridge / refrigerator / overnight porridge - call it what you will, it's a lifesaver!

OK, I have blog jealousy right now, I am addicted to the Yummy Life site. It's really inspired me to look at what we eat and how much easier food could be...

You HAVE to check out this overnight porridge, it will make your mornings so much nicer!

http://www.theyummylife.com/Refrigerator_Oatmeal

I made a banana and honey version yesterday plus a fruits of the forest version. I love the idea of a pecan and maple or coconut / pineapple (hmmm would the pineapple be too acidic I wonder with th emilk though?). Anyway,Monica has inspired me to think about it anyway and since she's given 14 recipes, there's loads of... food for thought (sorry people, I had to).
I will make these for my toddler too for an easy breakfast that can be made on Sunday and last the week for the whole family.

I guess you could do special naughty ones like chocolate, caramel and nutty swirl... weekend only, mind ;o)

Anyway if that gets you addicted wait till you see the make-ahead smoothies...

Seen anything that inspired you? Let me know! I love Pinterest for these ideas, also love the make ahead salads, I will let you know how I get on when I make one.

Are you ready for Christmas?? (I did say that, so did it get your attention!)

That's right. The old chestnut of, 'oh it's Summer Christmas is aaaAaaaAaaaAaages away'. Well, it's not! Not when you consider that the average family spends around £300 on the seasonal festivities and gifts.
Where will that money come from when the time hits?

• How much did you spend last year?Are you still paying it off?
• Did you eat or drink everything you bought for Christmas AT Christmas? Or was some still being eaten in January or even February?
• Did everyone enjoy their gifts?
• Did you charity shop or sell amny of the gifts you got given?

The reason for my post it, if you start planning now both in terms of finances and gifts, you can make Christmas 2013 a much less expensive and more enjoyable experience.

Here are some ideas that might get you started in the thinking-about-it-as-a-minimum-starting-point:

- Start saving now - a regular saver of £30 a month will help massively and be less painful than paying for it all out of November and December wages (and January and February and March....)

 

 

- Start collecting ideas - Check out Pinterest and start pinning ideas now that might come in handy - I''m thinking big jars full of goodies like: Christmas flapjacks in one, a 'movie night in' in another (ie popcorn, dvd, chocolate, unusual facts about the actors of the movie), peppermint sugar foot scrub in another (brown sugar, olive oil, peppermint oil, MIX!), a bath salts treat in another (SO easy to make - some bath salts from the £1 store, some aromatherapy oil, mix  - DONE!), some vanilla essence in a bottle (250ml vodka, 8 vanilla pods from ebay, split pods, store in cupboard for 5-6 months, shaking gently weekly). I will blog from Summer onwards with ideas to keep you inspired. What about a jar full of homemade laundry powder? Grated soap, some borax, some washing soda crystals, some baking powder, some aromatherapy oils...  This link even has a lovely printable, too cute - see pic below!

Another would be some homemade eye make up remover (maybe jojoba oil, rose aromatherapy oil. water, witch hazel)

- Make a list - Start adding ideas for presents onto a list. This could be in your diary, on Evernote, on a document on your pc. Just somewhere so you don't forget! I like to take photos when I see a present idea, and Evernote it so I know what to look at around Christmas time.

- Buy now, save later - That's right. How about buying items at boot fairs or on ebay, or making some of the gits now and keeping them to one side? Vanilla essence, laundry powder etc can all be made now.

OK, so that's probably alot to even think about right now.

So how about just two baby steps?

1. Start a list
2. Start a regular savings account

Make life easier on yourself - take just these 2 steps now, to save your sanity in 7 months time.

Yes I am mad, but this will hopefully at least get you thinking about the subject and saving your whole family some stress come Christmas time. I will try to think of other ideas as the months go by too so we can all work on it together.

Have a fab week everyone 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!

The Shabby Chic Kitchen progresses... slowly!

OK, many of you may remember we got a pretty nasty kitchen when we moved in - I mean, it had blood red walls, dark dark units, and horrible CARPETED floor. Some older people had lived here and Eugh, carpeted floor, it still gets me. It had to change. So we did some basic work - I painted the units cream, replaced the handles, we changed the floor to a lighter colour and we painted it a sage green colour.

Apparently green enhances the appetite so I thought it would be ideal to have th the kitchen. Plus as a north facing room, it needs all the light it can get (blood red people, seriously??! Retirement has a lot to answer for).

Anyway with the baby we've had little chance to move forward on it any further, so I thought hey, let me do it one tiny thing at a time. So, my next few blogs I hope will inspire you to do small things, even if you haven't got a lot of time.


I focused on one drawer in the kitchen, in terms of how messy it looks inside, and making it more glam...

This is the before image:

 

 

 

And here is the after - not the best image but you get the idea (ie: it's clean, tidy and prettier!):

 

 

 

I do have more than one teaspoon by the way... You may not notice but the pattern on the oilcloth is of some cutlery, which I thought would be really cute for a kitchen drawer. The background colour is sage green which is perfect. I got this oilcloth from a shop called Dunhelm Mill, they have a lovely selection of them and this one was perfect, half a metre will do all my drawers plus I plan to use the excess to make some envelopes to use with the Dave Ramsey Cash Envelope System, but more on that later.

 

Anyway as you can see from the before and after, I decluttered, got rid of the ugly cutlery tray holder thingy and found this one at a local charity shop for £0.50p. So all in all I think for around £1.50 I did this one drawer make-over. A small start you may think, but it made me feel great, and inspires me to do more.

 

My next project is some stick on blackboard stickers, which I am using for storage jars with fab results and will show you how easy it is to organise the kitchen with those in my next blog. Definitely adds to the shabby chic look and the bonus is I can wipe off the text any time I like!

 

Hope you are all having lovely weekends, enjoy the sunshine out there - we went for a lovely early morning walk and the fresh air was amazing.



 

Evernote... everynote... ever simple!

Ok, so I have found *the* tool I needed. No more searching, no more scraps of paper, no more losing stuff. That's right, I am excited!

You have to see it: http://evernote.com/

It synchs with your phone, so whatever you do on the computer or on your phone, the other knows about. Sraps of shopping lists? No more. Too many bookmarks to even find what you wanted? Not an issue.

My dream of having an up to date pricebook is so much closer now. I also use it to clip recipes from the web.

Everything is searchable, so it's even better than Pinterest in that respect, plus everyone doesn't have to see what you are doing this way, especially if you are planning a birthday or event you want to keep under wraps.

A bonus? You. Can. E-mail. Directly. To. It.
So that important e-mail you got relating to the party you are arranging? You want it to quickly go into the Party folder, you just e-mail your unique address at Evernote and put '@ Party' in the subject line. Because @ pops it into whatever folder you name.
And it tags beautifully. You can tag to your hearts content, each note then gets tagged. Then just click the 'car' tag to see everything you have ever saved relating to your car. For me, it's will be the last MOT certificate, the last price I paid AA, when car tax is due...

And for me, I love the fact that... it has checkboxes... and bullet points... and you can change font size and colour. I am very visual so it helps hugely. Already I have build up several recipes, logged key household information, shared it with hubby... and now I can relax because between dropbox and Evernote, things are going to speed up alot in our household. Especially the recycling... as hubby is shared on that folder now! Do you use it? What tools do you use to stay organised? Would love to bounce ideas around as to how you do things.

Fast tip for an easy breakfast, yummy!

With a need for quick and easy food, I've loved this idea for a fast ready breakfast - Night before, put porridge oats in a bowl Dollop on some greek yoghurt (other kind would prob do, but Greek works really well) Add chopped banana and strawberry Top up with some milk (enough that it will all soak in) Stir and leave in the fridge to soak overnight That's it! Next morning you will have breakfast ready, and your baby can share it too if you have one. One bowl to wash up! You can vary the combo, I like to have honey and chopped walnuts (for me), or crushed blueberries and grated apple, jam and extra strawberries, chopped peaches and banana... in n fact, that's the one we had this morning. Plus it keeps you fuller for longer, and works out at pennies per portion. We buy the 2kg Mornflake porridge bag at Tescos, excellent value and I find it's always very smooth. My next musings will be on bulk buying - I am investigating reducing the cost of staple items, so stay tuned. Enjoy the sunshine out there today and have a great bank holiday weekend!

Stay on top of those pesky tasks...

Well this week had been a near disaster, so many things to keep on top of! My daily list of things to think about, plan, and action goes something like this: - Start researching nurseries for early next year and maybe visit some - Renew cat insurance - Get new wheel for car - Finish tiling lobby (hubby is mid-tiling, due to finish on the weekend, dead handy when I need to get the pram in and out now... not!) - Re-design office layout at work and plan purchases accordingly - Research family tree and join some sort of website so I can create a proper tree - Finish decorating bedroom - Think about garden design for front of house (because the back is a jungle, scary for even a professional - I kid you not!) So... someone at work recommended www.remindersetc.com, and I have been using it fairly sucessfully. It won't automatically recurr on tasks but thats fine, I spent nearly an hour entering things and then it e-mails me reminders... it can even text you them. I'm sure I have divulged my Moleskine notebook addiction, and in there I do have a project list, a short and basic to do list, diary etc, but reminders etc is my nagging helper! So we now have a 1 year old little boy, costs are starting to get steeper, but we're trying to fight against it... I will write a separate blog about that though, lots of topics to cover! If you have any tips on how to stay on top of tasks, I'm all ears, as I manage all household finances, most of the meals, birthdays, planning a social life (ha ha!) and events for baby too...

How much unappreciated cash is in your house right now?

Ok, so you will probably look around and say 'none' or 'well I have £1.10p in my purse'... but what if you were to find out what's really in your home and imagine it like a little pile of cash?

I spent the day doing this and here are some examples:

- Thai money from an old holiday - £3 worth
- Dollars from an old holiday - £4 worth
- Books that I will try to sell on Amazon - £4 worth
- Books that I can't sell online as a bit tatty - £2 worth
- Collectible items I bought for selling on ebay but haven't done yet - £8 minimum or £16 max if they actually sell
- Clothes I keep meaning to put on E-bay - £6 worth
- Cash in an old savings account I keep meaning to draw down £0.90
- Small radio brand new that I need to sell - £4
- Old kitchen handles - selection - that I could sell - £2
- Next voucher I keep meaning to use but always forget to take into town - £10
- Kitten accessories we no longer need as our kitten is a teenager cat now - £5
- Old computer we could sell for spares - £10

So there you have it - around £61, and that's the things we *know* we have.
As Spring approaches - is there an empty box you can start filling for e-bay, or a car boot sale?
Maybe that cash could then be used to buy something in Spring at a discount that will come in handy for Winter for example. Anything bought now in the sales, or obtained free, could save money for the future. Question is - what to buy!
I think I will start to make a list so I can keep an eye out for things we will need later this year as our tule in the new home is to buy as much either cheap or second hand as we can... or even better - free! This week we got a free poster on Freecycle, so that's a start!

Smells like… Coconuts!

OK so we've all been through the January 'must get fitter' phase, which includes the 'I will eat so much more fruit and veg' and 'definitely no chocolates'. Well, this week I have been reading up about, of all things, coconut oil.

 

Strange but true – this seems to be one of the latest super foods that does wonders for the body. Apparently, the structure of coconut oil is very different to the other oils we cook with, making it much easier to digest. This means that as your body is working less to digest it, you digest food quicker, which helps metabolise faster thus losing weight for some people. I won't go into the technicalities, but the suggestion seems to be to consume between 1-3 tablespoons a day in varying ways – cooking with it being the easiest, followed by shakes and spreads on toast (ok but my main preference).

 

The other great thing is that it is meant to do wonders for anyone with a sluggish thyroid, as anything that speeds up metabolism helps. So cutting out the other types of fats (vegetable oil, soya oil, corn oil etc) and replacing them with coconut oil overall is a great change apparently. Supposedly soya oil has now been found to be one of the least beneficial, and indeed suppresses some of the body functions, sometimes on ingredient lists it is merely shown as 'vegetable oil'.

 

You can still enjoy extra virgin olive oil and organic butter in moderation, but all other fats seem to have had 'human involvement' and extremely high temperatures rather than someone pressing the oil out of them. Supposedly once the fats get into the body, the oxidise (rust) in your cells, wheareas a more natural fat like coconut doesn't and in fact helps the body along with lots of processes (the liver benefits a lot).

It is a natural antibacterial product and can also help with digestive products.

 

Beauty Regimes

It goes without saying that you can then use the coconut oil in beauty regimes – it works really well as a make-up remover (rub some between hands and once melted delicately apply to eye area, then remove with a damp warm cloth). Also for full beauty treatments, melt some in hands, massage on face and leave for 2-30 minutes depending on skin condition, then remove with a damp warm cloth. In the shower you might also use it as a body treat for soft skin,

A small amount can also be applied to lips as a lip balm.

 

Hair Treatment

Apply to hands and once melted apply to ends of hair and work up to around half the length of the hair. Wrap hair up in a towel and leave for an hour or overnight, then rinse out with some shampoo.

 

Soap Making

I imagine it could also be used to make soap, perhaps combining it with dessicated coconut or ground almonds for an exfoliating treat. It is so natural and so good for skin, plus would add a scent of the tropics to your shower. A few drops of lime might add a nice zing…

 

Buying coconut oil

 

If you buy some, a large jar will cost around £7 but can of course serve more than 1 purpose. I would also recommend you buy it in a glass jar rather than plastic. It should keep well for 2-3 years if kept cool and in the dark.

Make sure you buy Extra Virgin/Raw or cold pressed – this means that no bleaching / high temperatures were applied to extract the good stuff.

 

Whilst some may be skeptic, I am going to give it a go – have had some for a few days now and my energy is up but this may just be because the sun is out and Valentines is coming!

 

Lots of people on Youtube swear by it so see these links for more information to make up your own mind or type 'coconut oil benefits' for example into Youtube:

 

http://www.youtube.com/watch?v=jMJUdAyaVBY

 

http://www.youtube.com/watch?v=6wpsik0W4NU

 

http://www.sharonmaas.co.uk/html/coconut_oil__why_it_is_good_fo.html

 

A study on coconut vs Soya oil:

http://cogprints.org/6565/

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!

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)…

The 6 month Review - What can we reduce?

Hi everyone,

Well one minute we think it’s Summer and the next – it’s Autumn/Winter! The last couple of weeks have been strange weather-wise and also personally, I am a big Jacko fan so the new hit me hard, hence lack of updates, my apologies for that.

Anyway today is green day, so today’s focus is about what you can start to live without and reduce resources. As times get tighter and we see the news headlines talking about more job losses, higher cost of living and the lack of mortgage lending, cutting back is on all our minds.

Are there any items you would be able to do without? Those little niceties that you think you ‘need’ to buy but can in fact either make at home, buy second hand, or not buy at all? Not only would they declutter your life, they would leave more cash in your purse.

Examples…

Take aways
Coffee on the go
Magazines
Sweets and chocolates
Snacks like crisps
Bus fares or taxi fares
Beauty of make up products
Outings to the pub

All of these slowly drain away from our pockets and don’t seem like much but can amount to a lot over the year. We have all heard the Starbucks quote that a take away coffee every working day can cost around £650 a year – sounds very painful that way!

So for me, this is my 6 month review on how things are going. Below are the things I have either started to make myself at home, or stopped buying completely:

- Washing up liquid – make at home for a fraction of the cost (see right hand menu for how to make this) – now just costs around £10p per litre.
- Handwashing soap – same as above
- Kitchen counter spray – same as above… barely costs 1p per bottle now.
- Magazines – I probably buy one every 3 months now, if that.
- Clothes – I have bought almost all my clothes in the past 6 months from second hand stores and all are of good quality, saving me at least £200.
- Washing powder – I buy the big boxes on an offer then cut it with half of soda crystals (around £0.69 per KG). This means one box has lasted us over 6 months, at a cost of around £5.50 for washing all our clothes for half the year.
- Paper towels – stopped buying and now use small rags cut into squares – has saved around £4, not much but it all counts.
- Beauty products – I make my own now from shea butter, cocoa butter, jojoba or almond oil and some essential oils plus some kitchen cabinet ingredients. Although it costs a little in raw materials, I estimate that it has still saved me around £30 these past 6 months, possibly more. See right hand menu for recipes – the beauty oil alone that I made saved lots! I have made lip balm, moisturiser, cleanser, exfoliator and beauty oil from around 6 ingredients, amazing really and so natural, no preservatives as I can just make them when I need them.
- Foods – sounds daft but I used to buy Hummus a couple of times a month – I make my own now for a fraction of the cost then freeze it in small pots for as and when I need it. Other examples: Chilli oil, vanilla essence, tomato and onion chutney and more – these have saved us at least £20 compared to store bought.
- Movies – We rarely pay full price for a movie – get a free sim card from Orange on Google and this gives you half price movies every Wednesday when you take a friend. We also see a lot of free movie previews which cost nothing. Savings are around £50 so far this year, compared to paying ticket prices.
- Energy - Obviously with teh warmer months there is less expense, but we have decided to keep our direct debits as they were so we can have some money on account over the next few months. Also, we have made conscious efforts to always turn off rather than leave items on standby, I charge my phone at work etc. Plus being outside more means less use of gadgets inside.
- Plant your own - we have planted green beans, basil and tomato which are all going well. Savings so far probably £1 as we have only used the basil, but once the tomatoes ripen in 4 weeks or so I am hoping we will save more.
- Amazon - selling books I had read but were still in good condition - have sold arounf £4 worth, nothing much but then I haven't bought many books this year either...

Hopefully these give you some great ideas to continue with and maybe make some cuts or have different ways at looking at your spending / making items at home. Be it honey lip balm, vanilla essence or delicious chutney, once you start to see the product marketing for what it is you can save lots more money!

Reducing Costs and Stashing Savings

Hello everyone, it has been an eventful month with lots going on, so I am sorry for not having posted recently.

June has allowed me to take some time to analyse spending for these past 5 months and compare to previous years. The results are pretty amazing, even though I do say so myself! I hope that by sharing this information it might inspire you to get more out of your budget and put aside more even if just a little, for a rainy day. All savings in this economic climate are valuable protection against the unknown future.

Some years ago I set up a Budget spreadsheet and on it I log the 'extras' we buy, ie: the non-essentials. I have one spreadsheet for me and one for the joint spending. On my personal spreadsheet, I can see the following:

TOTAL Personal'Frills/Non essentials' Spend for the year + Average per month:

2006 - £5365 (£447 per month)
2007 - £3444 (£287 p/ month)
2008 - £3548 (£296 p/month)
2009 - £763 for 5 months (average £153 per month)

So as you can see, there has been a drastic reduction in 'silly' spend since I have started to be more aware of what I was spending on non-essentials and I have focused alot more in the last 3 years. There has been little suffering yet it's saved me an average £2,000 from 2006 to 2007 alone on non-essential spending. Around £294 less spending per month comparing 2006 to 2009!

TOTAL JointSpend for the year & Average per month:

The below include bills and all household spending:

2006 - £5058 (£421 per month)
2007 - £4209(£350 p/ month)
2008 - £4552 (£379 p/month)
2009 - £1652 for 5 months (average £330 per month)

This is a reduction of £90 per month comparing 2006 to 2009, which would be over £1,000 per year in savings if you averaged it out!
Now we are leading a more purposeful life and saving more, and inflation has not affected our joint finances because we have been more creative, therefore allowing us to put exactly the same money in every month since 2006 (£400 per month) and even take money back out into savings at the end of the month. This goes towards our house deposit fund and the way I see it, each £10 saved is another couple of pillows or money towards durable items like good quality pans, growing our own veg etc.

For 2009, I have spent £52 on clothing in the last 6 months, and £30 on charity, almost half of my clothing spend! Lunches and naughty snacks have cost me £95 which is shameful and I want to reduce those much more...
www.spendingdiary.com is a great site you can use if you find budgeting boring or hard to do. It really helps.

Personally, I like to take out £100 in cash on the 1st of the month, allowing myself another £100 in the bank 'just in case'. My £100 in cash has to cover everything that is not a bill. Going out, clothing, snacks, magazines, books and dvd's, all the fun stuff. I then make a note of what I have spent in cash and when, normally on my way home from work in a quiet moment.

Normally, the other £100 stays in the bank for times when I need to pay for something via debit card, but most times, quite a decent amount of that is left in the account at the end of the month, maybe £60 is left. I either save this, or sometimes buy shares or take it out and keep it at home for special treats like going out for dinner or a movie.

So by using this ATM machine rule, I have saved around £300 so far this year, proving that my thoughts last year that I 'couldn't possibly do any better in 2009' wasn't true...

Any extra cash I have come in (on top of my wages) from cashback sites for example, goes straight to savings, I have trained my mind to not even think of it as real money. I also would never consider buying anything off the highstreet now *IF* I can buy it online through a cashback site. See my Cashback Sites section on the right for more info on hwo this can save you some money.

I hope that this inspires you and if you are a homemaker or work a full time job, there are savings to be made in small tweaks here and there that do add up. Make a start, see how you like it and then try and challenge yourself week by week... perhaps keep a log if this motivates you.

Saving Money... Nipping ebay in the bud!

Hi everyone and hope you are enjoying teh fabulous weather out there - even if it's just a quick walk at lunch!

Today I thought I would focus on the amount of money we all spend on ebay, as it can become an addiction... but as usual, I hope to save you some cash on that hobby too!

Around 6 months ago I joined this site called BidNip and they bid for you, in the last few seconds of the auction. If you do not win the auction, there's no fee to pay!

How it works is that you pay for some credits in advance so you can 'snipe' an auction. They are incredibly cheap at a few pence per 'snipe' (only charged if you win) and have saved me at least £80 over 6 months as I buy lots of clothes / books / aromatherapy, items for my workplace and more on there.

You then tell BidNip the auction number (normally on the right side of the screen on the ebay page). Copy and paste that onto BidNip, tell them the maximum you are prepared to pay, Snipe the auction, and wait to see if you win because they will bid for you in increments until your set maximum is met!

So - no more of that last minute paying more than it's worth because you got heated up and *had* to have the item...

I normally set my 'snipe' to 8 seconds before auction end... so if you want to be in bed, or out on the town when that auction finishes, now you can - because BidNip will do the work for you even in your sleep!

Let me know how you get on!

Shabby Chic - Make your own pretty things!

Hi everyone, hope you have been enjoying the sunshine whilst it lasts!

Today my post will mainly be pictures of what I have been up to at home, mostly gardening and kitchen stuff. Before Easter I attempted to make some jelly eggs for my nieces but failed miserably (how DO the Americans do it!?), then on Easter Sunday I made some muffins, what I call Breakfast muffins as they're made with carrot and apple, with honey and cranberries for natural sweetness. I also sprinkle them with sunflower seeds and pumpkin seeds for added goodness. See left for a pic of one next to my Bonne Mamman customised jars... I used normal white address labels and just added a nice font in Word, then inserted an image I liked from Google and print... far less than what the stores would charge you for jam jar labels, and, you can afford to make mistakes or change your mind!



These are my customised coffee jars as they keep things so fresh. Just be careful not to put the lids in the dishwasher as after a while they absorb moisture and there goes your airtight lid!



I have also been planting - the tall ones you can see in the pic are green beans (wow do they grow super fast - it was like Day Of The Triffids!) - also we have basil, small carrots and tomatoes growing. Let's see what happens! Have tried lettuce but failed - must try harder as they're supposed to be super easy! We want to be able to have our own edibles this Summer, and so far have not really spend much on them - as you can see lots of the pots are yogurt pots! Whilst I am experimenting, I'd rather do that, then spend more later when I know what's what...

I love all things Shabby Chic - the gingham print on the jam jar lids, aged French furniture, you name it, it's how I'd love my home to be. Of you like that style too, do join us on MSE on this thread packed with lovely ideas!

Shabby Chic Thread

Make it count - Earth Hour 2009 - Join in!

Hi everyone and a special welcome to any new followers. This here blog is intended for money-saver extraordinaires - the ones that want every nook and cranny explored!

This week my aim is a bit more general - WWF are again doing Earth Hour this year. It's a simple thing but could be so powerful across the globe. From New York, to London, Sydney and many more - everyone that can take part hopefully will. Many landmarks will turn off their lights too.

Basically, you would agree to simply not use any electricity for one hour on 28th March 2009 at 20:30 in the evening.

Please join up and register to comit do switching off for one hour:
http://earthhour.wwf.org.uk/

We did it last year and we had lots of fun, just nice to enjoy the quiet really and go back to candles and feel peaceful.

I am also getting my employer to do it, as well as mentioning it to friends and family, plus anyone else who will listen such as you lovely folk and any MSER's that aren't aware...

Not only is it green it's moneysaving so I am hoping we will all do it on the 28th!

Healthy body, healthy mind - simplify and breathe!

Sorry it’s been a while, wow there’s been so much on and I have lots to tell you about.

The main focuses for me lately have been family, with a family member that has needed lots of support, health as you will see below and also in my aims of having a simpler life, some learning.

The main areas are:

Health
Well,one of the things I have done is cut my gym membership 4 months ago. This used to cost £30 a month, so I have saved £120 there. I did however buy a cross trainer which I am getting better at using and that cost £30, so technically I have now saved £90.

Could you cut back on the gym and exercise more cheaply? Or find a new gym that costs less? Get an exercise buddy that would run with you? If you are an early riser – can you jog before work? Or maybe it suits you better after work. Spring is coming now so the days are starting to get lighter, my mind is already so much happer.

Ok so that is that for what I have been doing for my ‘outside’ health mainly.

Then for my ‘inside’ health, I signed up to Graze that I kept hearing about and have already been waxing lyrical about this to anyone who will listen... With just a few clicks online, Graze have been posting ultra-healthy fresh snacks to my desk (You could also get it at home so you avoid temptation there too).
My snack boxes arrive twice a week and it means no more chocolate, crisps etc, instead they send me ready to eat fresh seasonal cut fruit, nuts, seeds, japanese crackers and loads more. It is a pretty big (each box will actually last me 2 days) and gives me 3 of my 5 a day (I did 'Design your own' but you can let them choose for you). So for £2.99 x 2 per week I know it will actually last me 4 days or so and I am less tempted by unhealthy food. I now get several of my 5 a day automatically... costing just over £1 a day, which I was already spending on bad stuff anyway!

If you need a helping hand getting healthier just go to www.graze.com enter the code JK4M7TC to get your first box for just £1.

I know not everyone will want to do this, but for me I know it will work far better than my so-called attempts at cutting back on bad snacks and buying fruit etc. Invariably I was eating a banana twice a week and that just wasn’t cutting it!

Learning
So this bit may not make sense, but, in my aim of simplifying my diet / health routine, I was also aware that my mind is also cluttered, I admit to being a bit of a worrier, plus I almost absorb other people’s moods whether positive or negative. So for a long time I have been trying to work out a way to also simplify my mind if that makes sense.

So I then learnt of a book called A New Earth: Create a Better Life which is massively recommended by Oprah and has sold 6 million copies. I was wary at first but figured I’d see some reviews – well, I went on Amazon and sure enough lots of high praise. I then bought in town for £5 as I couldn’t wait for Amazon to post it out….
It ranks 107 on the entire Amazon seller list, which is pretty impressive on it’s own. Anyway I am reading through that now, with the free podcasts on www.oprah.com which accompany each chapter, and wow is all I can say. It starts out quite philosophical but after chapter 1 definitely resonates with me. I feel calmer and definitely that no book I have read explained things in this way. At times like now such as the credit crunch, we are all feeling more negative and looking for a calmer life, it may be that you’d enjoy the book too. In fact. I’d love some comments from anyone who has read it as maybe we could have a discussion group on here?

He also has a book called The Power of Now: A Guide to Spiritual Enlightenment which ranks #91 on their listings and will definately be my next read.

Plus in addition to this I have now had 3 NSD days for the month, so only 17 days to go to reach my goal of 20 No Spend Days which is great.

I hope you have all had a good week and it’d be great to hear any comments you have – a special welcome to anyone new who has joined the blog, I hope you find articles of interest in the archives and would love to hear from you on any of the threads!