Category: trEAsury

all to do with money

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treasury >> financial times part 1

There is always a lot of sorting out and straightening out to do after the Christmas festivities are over and one of those is going through last year’s spending and planning this year’s budget. I expect most people are feeling the pinch now and tightening their belts and here in our little abode we are doing just that. For those that don’t know both myself and DH are living on getting by on the state pension and a modest private pension. Like many bloggers we find our income stretched to the limit at times and are always looking to put cost saving measures in place – some more successfully than others.

I haven’t done a financial tally post for ages – in fact looking at my spending over the year I think Mr Frugal has occasionally sneaked out the back door here. That is not to say I haven’t been careful with the spending.

Almost everything I buy now I wait until it is on offer unless I am desperate for something. This collection is a few of the items I found reduced this week.

All last year I collected Nectar points which then went towards my big Christmas shop which came to £100 and I still have £60 in value left to spend – I will use this on groceries towards the end of January as the monthly allowance runs down. I used any money off coupons that came my way and continually searched out discounts and reductions from any shop on products that I normally bought. I used the Sainsbury’s Scanshop on both our Nectar cards for the offers which are more tailored to what we usually buy and have big reductions (even though I hate the scanshopping, DH does that bit for me) – but for all that we have still had some large food bills due to the extreme rise in prices.

Ever since I married in 1976 I have documented our spending and made plans for the year ahead – I used to have a good old paper accounts book but in 2002 switched to using the online Microsoft Money program that I installed on my laptop. Every receipt each week is entered and categorised and then I can run off any number of reports which then help me to plan and budget for the coming year.

These reports give a frighteningly accurate picture, that require nerves of steel to read but are so enlightening and help me to see in what areas I need to reduce my spending. Of course some of our bills are fixed like the council tax and TV license and we always look at our suppliers prices for insurances, telephone and broadband to get a good deal on renewal but some things like water, gas and electricity we just need to use less of. I find it is the other day to day spending that we buy in dribs and drabs and the impulse buys that so often run away with the pennies. This is just a few of my observations:-

I dabble in crafty items as time allows but it is often the case that in my mind I think I have spent very little on some things like craft items – but my report says differently and although I had limited visits to places like Hobbycraft or fabric and wool shops because I have concentrated on using up a lot of old craft items I have amassed over the years it was a shock when the total figure for this category came to a staggering £240 Ouch!!

Analysing further I found I had managed to spend, without realising, a whopping £51 just on card blanks to make my own cards. I did pick a lot up in a garden centre in Northallerton when they had a closing down sale in their craft department – they were the lovely coloured and pearlised ones I like to use…and I have bought quite a few of the more expensive trifold aperture ones which are good for dried flowers. In my defence, given that many birthday cards are £2 and £3 each to buy I will soon recover the outlay by making my own.

I was pleased to see I had managed to curtail my spending on magazines which came to £56.14 for the year, although this does not include the subscription to Country Living magazine that DH renews for my Christmas present each year. For the £56 I bought the special edition of Country Life with Kate’s lovely photograph on the cover of the new Queen Consort Camilla, the May edition of Gardener’s World to get the 2 for 1 entry ticket to certain gardens and free seeds, two Christmas magazines, three Country Homes to read at the cottage and the Good Housekeeping Garden Collection (one of their specials) for a little inspiration.

I didn’t do as well with the stationery though as the total was much higher than expected ….often these are bits and pieces that I pick up whilst in Sainsbury’s or passing Rymans – a pen refill here and a roll of sellotape there but they add up alarmingly over the year and in my case the alarm was £77. The most expensive items were the sheets of blank address labels for the printer @ £9.99 and some plastic CD disc envelopes that I find useful to store all sorts of things in other than CD discs. It used to be that The Works sold a lot of basic stationery but like WH Smiths they seem to have switched more towards the novelty stationery and children’s crafts.

The garden was another high total, mainly because we had to have the large, unsafe cherry tree taken down and the stump removed and then improve the remaining hole in the ground with a few bags of manure and top soil.

We bought more bags of compost than I remember doing for sowing seeds and refilling planters – they are not cheap. We do make our own but still need to buy some in. I do intend to reduce the number of planters and pots in the garden next year; they don’t do well when it is hot and need far too much water than our two rain butts can supply in those heatwaves.

An area I will have to think carefully about is the increasing costs of sending Christmas cards – I usually make the cards but the postage this year for mainly 2nd class stamps and one parcel of £3.35 came to the hefty total of £49 and this allows for the fact I bought most of the stamps before the price increase. I do like to keep in touch with a Christmas card to family and friends that we do not get to see but maybe I will have to think again. I no longer send cards out to family in Australia but use email to send a newsletter instead so maybe this would be an option next year.

I make a lot of things for Christmas – my own cake, the cards, the crackers (with a bit of help from the children of course) and little gifts for each of my closest friends but my Christmas bill is slowly on the rise. Our family take part in a Not so Secret Santa where each adult spends £25 on the person they are buying for, and who provides a wish list of ideas and saves much tramping around crowded shops trying to think of things to buy for people that have a lot of stuff anyway. We buy for all the children in the wider family as normal and also make up a little stocking of bits and pieces for our two daughters and give them a substantial cheque to put towards something they need or even save it if they wish. With deaths, divorce, relocation and births our family has undergone changes over the last few years so that the balance is definitely weighted on the younger end with many more children now than we had a few years ago so our Christmas bill is definitely increasing.

There are many areas of my life where I can cut down on buying things and in turn spending less on unnecessary things I don’t need (easier said than done in my case) as well as trying to be sustainably responsible. Clothing is one of these.

I decided last year that I definitely did not need any more clothes, in fact, like my well edited linen cupboard, I embraced the idea of having a capsule wardrobe of fewer pieces that had a timeless quality, but I was a long way off this and of course there seemed little point in getting rid of a whole lot of my clothes if instead I could be wearing them. So this past year I have ‘worn my wardrobe’ and only bought three new tops, one for my holidays in the Sainsbury’s sale section for £7 which I lived in most of the summer as it was so comfy, one evening style top for a party also from Sainsbury’s for £12.00 and the other for the New Year’s Eve get together with the same friends and the dearest item at £30.

This year I will continue to wear out my wardrobe and only buy real necessities like some new boots (mine have sprung a leak) and underwear.

Having thought a lot about money since we both stopped earning a few years ago I have come to the conclusion that the best way to be frugal is not to buy anything in the first place. This has a double advantage as it means there is no decluttering to do a few years down the line either. As one of the great minimalists said in his book ‘not buying something is your future self letting go of something’. Perfect sustainability.

So taking note of where the money went last year I will set about creating a budget and challenging myself to spend less on those problem areas that could save me a few pounds that I could be putting into the savings pot. I will come back to this in another post with some of the ideas I want to put in place to have a year of spending less….much less.

Today my little car is booked in for the annual service and MOT and whilst over that side of town we will go and have our last two free drinks at Dobbies garden centre and pick up a pack of seed potatoes.

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dear diary >> a productive day

I love those days when a few insignificant jobs are ticked off the list that provide some quite significant improvements. Yesterday was one of those days.

I spent an hour in the pantry putting things straight and filling up containers. I only found the bread flour and a pot of Thai curry paste to be near to its best before date so I will search out one or two recipes to use these up. I haven’t made Thai curry before and when I bought the paste pot it seemed easier than buying all the special ingredients that make it Thai.

The breakdown truck came mid morning and recovered the car to the garage whilst we followed on behind. The initial report from the nice garage man was that the escaping fluid is a leak from something that has worn through (I am so impressed Mary by your knowledge of cars) and the part required to fix it is relatively cheap, thank goodness, but we will have to wait a few days for him to get one (as they are imported) before the car can be made better, but at least it is now being dealt with.

Once back home DH pruned the berberis in the front garden, a bit of a spikey job, mended my little green birdhouse (which is only decorative) and put up the two pottery holders, grow and fresh, in the greenhouse that I found sorting out the garage. They are just the right size to keep bits and bobs in them.

Our afternoon walk took us round by the village so we could drop off the soft plastic bags for recycling at the Co-op. We have just gained a lovely little gift shop in the village called Nest. They have some delightful inexpensive gifts and cards and today I noticed the empty shop by the old post office has now opened as a hardware shop – I do wish them both luck – our village could do with a few shops that are not just charity shops, beauty parlours or dog grooming. We once had the most wonderful green grocers (in fact there were two) but they were forced to close when Safeways (now Morrisons) built a supermarket on the old railway station.

I did manage to put away more bits and pieces from the holiday and sorted the washing after which I needed a bit of time lying flat to ease my back so I watched the final episode of Downton. I do love to have a potter around the house once in a while especially after we have been away and there is no real urgency to get anything done, though I am on a bit of a mission to give it more attention than it has received in the last few months so it feels more loved and cared for.

I made the Courgette bake, but didn’t quite get round to mixing up a batch of pastry – that will have to be another day or maybe even today. I have to wait for the remaining courgettes in the garden to grow a little bigger before I can make the Veg lasagne (our Co-op doesn’t have anything quite as exotic as courgettes yet!), so nut roast is the next meal on the menu plan and maybe this time I will get those pastry cases made.

Today it will be a toss up between going in the garden or looking through the paperwork pile – I know which I would rather do, but maybe sorting out the finances is more important. Scottish Power have sent me an email to tell me about the £400 fuel rebate and we have just applied to the council for our £150. We will need to put this aside to pay for our fuel bills during the colder months – maybe I will buy a couple of very thick jumpers with some of it. DH is looking to add to the insulation in the loft – I always think it is so full of ‘stuff’ up there that more insulation is probably not required!

On a different note did anyone see the program about Woodstock the Festival on Sky Arts on Tuesday night? It took place in America in the summer of 1969 – I was a mere 15 year old teenager with long flowing skirts to match my long flowing hair and I had just bought my first Leonard Cohen album , Songs of Leonard Cohen and becoming very much a part of the flower power generation. We once knew someone who had actually been to the festival and like a lot of our friends we have the Woodstock album – it was an historic moment back then. A few things struck me watching the video movies that had been collated to make this documentary, firstly, the majority of the young people were so noticeably slim and the lads wandering around without t-shirts were very well toned despite the fact that there were no fitness gyms in those days, and secondly, the girls seemed so naturally pretty without any make up, false eyelashes, fake tans or lip and boob enhancements and such a marked lack of tattoos and piercings. Whatever happened to those carefree days of a generation that believed in people and preserving the environment – how did all that love and peace give way to the years that followed of Thatcher’s greed and capitalism?

We are certainly paying the price now as big business giants rake in excessive profits and council leaders are paid huge salaries whilst care for the elderly in their boroughs are cut to the bone and they have growing numbers of homeless people on our littered streets. Kate Josephs, leader of Sheffield council, has recently been reinstated in her job after being under investigation – she has a salary of around £200,000 and was paid more than £60,000 to stay at home until it was concluded. Just what does she do for this amount of money I wonder?

Meanwhile, I spend most of my days trying to think of ways to save a few pennies to eek out the meagre pension pot I spent a lifetime working for.

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dear diary >> homekeeping

We had rain yesterday, quite a heavy down pour…..it was so welcome as our garden is like dust and it meant I didn’t have to water the planters for once, though I must remember to give the tomatoes and courgettes a liquid feed. Today it feels cool, but fresh, with a hint of Autumn, though I am not ready yet to relinquish the summer. My greenhouse is almost complete, the paint went on a dream – DH did two coats on the inside and three on the outside for good measure – we used Crown Superdec, the same as we painted the shed a few years ago, and it has worn well and best of all we bought it on offer at our local Crown store. I love the transformation and the contrast against the rougher pallet wood of the staging boards.

It is so good to be back home now and I have a great deal of homekeeping to catch up on…my bad back over the last 5 months has left my house in a sad and sorry state but at last I feel ready to begin to tackle it again…. in small quantities of course and bring back some order. I have been severely short of any routine recently and even the basics were not being done. Now our holiday is over I have time to gather my thoughts and start planning.

We did the supermarket shop yesterday so the larder is well stocked and it is a pleasure to walk into the pantry with a wonderful display of fruit and veg. I always tend to heed the words from Dominique Loreau’s book L’art de la Simplicite – how to live more with less when she says “seek only the best”….source the finest untreated produce, tasty fruit and really good bread.…and even better when you manage to find them at a reduced price. I can now turn yesterday’s little haul into some nutritious meals and fill the freezer with homemade fare over the next few days. If my menu for the week goes to plan then we are having Tuscan Bean casserole tonight with halloumi. Whilst the oven is on I intend to cook some pastry case bases for a quiche or two to freeze at the same time. If I mix up extra pastry I will make some lentil and mushroom pies to freeze tomorrow. I bought a punnet of mushrooms to make mushroom soup and two lots of celery to make celery soup and gained extra nectar points on both.

I had to buy new electric toothbrush heads….ouch – I used the last two before we went away and I like to keep some in stock. A pack of four Oral B heads are on offer in Sainsbury’s at the moment for £11, a saving of £5. These high priced items really bump up the shopping bill total so I tend to spread them out over the year and only buy them on offer. Water filter cartridges, soap powder and dishwasher tablets all fall into this category.

We have developed a good routine in the supermarket and whilst I scan the supermarket shelves for all the red sticker offers and items we use that have extra Nectar points DH does the smartscan shop for both our Nectar cards (as each card has different offers and I don’t scan shop as well as he does). We often buy multiples of the best offers to stock up. We bought four boxes of Alara muesli – normal price £2.70 – scan shop offer £1.60 saving us £4.40 on 4 boxes. I am hoping to stretch this weeks shopping to ten days if possible just topping up with some extra milk and the odd bit of veg.

My intentions today are to complete the unpacking and putting away. I always refill the toiletries ready for our next trip before I put the bag away – it saves time when we next have to pack. I invested in two of those handy picnic blankets for the beach last year – £5 each from B&M. They fold up into a neat little package with a carry handle and are ultra light and yesterday I gave them a good blow on the line to shake off any residual sand before they are put away. I don’t really have anywhere to keep them at the moment that is easily accessible but I am working on it. I do like to have a place for everything and they are definitely keepers so something else less useful or unused may have to go to make room. I am gradually selling bits and pieces on ebay again to free up space in my cupboards and the garage.

I have an osteopath appointment this afternoon….another ouch cost wise but the benefits are worth it, he has done wonders for my back and I am hoping that today he can straighten out a few of my stiffer body parts. I fell whilst at a country fete in Thirsk with my two granddaughter’s last Saturday. There was a small hidden hole in the grass on the field and my foot went down it as I walked along and my ankle twisted over. I went down with a bump jarring my poor back and already bad shoulder and I have ended up with a slight limp, a stiff back and quite sore wrists where I tried to save myself…..and I hadn’t even been drinking…..well only decaff tea!!!

Well I had better get going – there is a lot to do.

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dear diary >> unsettling times…

Having just got back home after our recent trip up to North Yorkshire to visit mum then my daughter and the two grandchildren Little L and Sweetie we unpacked, washed, shopped and then repacked and I am now writing this from Scotland…it may even be published this time, I have written a few posts recently but then never pressed go and they remain on my drafts list incomplete. Like many other bloggers the recent invasion of Ukraine has left me lost for words, scratching around in the dark looking to find a chink of light that will help me make sense of the world right now. This is a photo taken on the Pennine Moors above us in Yorkshire of the sunset the other evening – it is such a peaceful place – and probably a stark contrast at the moment to the ruins of some of the Ukraine cities – I stood gazing at this for ages and couldn’t help wondering what might the future be for our world.

And how, I keep wondering, can one man cause so much suffering, so much bloodshed and so much heartache and what are we going to wake up to next in the morning?

After the last two years of Covid and restrictions and a feeling of uncertainty I think we were all hoping for a better 2022, and now as spring and the promise of better weather are almost within our grasp, at last….it seems our hopes are fading fast.

Life is so unsettling at the moment and all the problems that have been gathering around me at quite a pace over the last few months have now paled into insignificance compared with those faced by the people of Ukraine…but each day I wake up they are still there and ignoring them is not making them either go away or any easier to sort out.

Mum is becoming quite hard work for my sister and one of the team of carers who go in on alternate days has refused to go. She was mum’s favourite but sometimes mum has been quite nasty with her. At 96 she now feels she has the right to speak her mind, but often what is in her mind is not endearing her to the people who are trying to help her. I can understand mum’s frustration at losing her mobility and being practically housebound but the other residents in the apartments are finding her hardwork and avoid going to see her leaving her more isolated than ever. I ring her each evening, we will have the same conversation many times over, usually she has to establish if we are at home or in Scotland and when we will next be going to see her, after only a few minutes she will have forgotten what I said and will ask me again and so it goes on for the next 40 minutes. To make matters worse she has a habit of holding the phone upside down so I cannot hear her properly but that is not quite so bad as when part way through our call she sometimes switches to trying to talk to me on the TV remote and I can hear her saying ‘can you hear me’! I cannot see there is any solution.

Sadly, it has also got to the point now where we dread coming up to our cottage, wondering what we will find this time, what changes await us. Joe and his wife are here at the moment in the remaining caravan on the little site below us, the light was on when we arrived last night and it felt quite comforting to see an old face and have a neighbour. The caravaners were our friends and now they are almost all gone. Thankfully Joe has no plans to leave at the moment.

There must have been an excess of rain up here because the roads had large pools of water along the verges. The tarmac lane from the main road down to our cottage eventually comes to an end and then we have to drive over a wide strip of grass just outside our property to reach our hardstanding by the garage, (the lane and grass belong to the caravan site owner – we have right of access over it). We could see that the grass was soddened and so parked at the end of the lane and walked over the grass on foot to unpack the car – it took us ages squelching about in the mud…..I might have uttered a few choice words at the time. I cannot ever remember in all the time we have been coming here that the grassy bit was this bad or this waterlogged. Once unpacked we moved the car onto a patch of gravel on the other side of the lane so it won’t get stuck in the mud. It is not actually our land and no doubt the new owner won’t like it but the other option is that we will churn up his grass trying to get in and out of our property.

We have two sizeable farm gates at the entrance to our little cottage and just before we left for home on our last visit the gate post of the left hand one had rotted and sheered off at ground level and toppled over bringing the gate down with it. All DH could do at the time was to prop the gate back in place but the wind must have blown it over. Of course it is another job on the list – I am not sure if it has even made it on to the top ten of urgent things, but it must be close. The new caravan site owner did send us a text to let us know – it seemed a neighbourly thing to do but then on the end of the text he asked if we would consider letting him have a part of our woodland for his business! I probably don’t have to tell you what our answer is to that.

The lady who came once a fortnight to cut our grass has given us notice because her knees are so painful and swollen the doctor told her that to continue would certainly make them worse. So we have to find someone new…it will go on the list….the list is getting too long for comfort…I keep folding it in half so I don’t have to look at all of it at once….but I am not sure it really helps.

No doubt we will weather these storms – all we can do is carry on trying to cope with the problems as they come up.

In and amongst, like most of you, I am trying to find a way through these rising prices but if through sanctions, my gas, electricity and fuel has to rise even more to help the Ukraine people then so be it, if the price of some foods like flour and oil becomes too costly to buy or too scarce then I will put up with that too…I am willing to make sacrifices if it will help to stop this ridiculous war.

So I am spending quite a bit of time roaming the aisles of the supermarket gathering up any reduced priced items that we normally buy, using the Smartscan and Clubcard offers and collecting reward points (though these may well be donated to the Ukraine crisis fund). We are using the oven as little as possible and making most of our meals on the hob. We have decided there a few things we can give up or buy cheaper and somethings we will not be buying at all if I can make them.

I am reluctant to stop buying as much fresh fruit and veg – it is the staple of our diet and as you know I buy mainly organic to support the farmers who are growing sustainably. We make our own soup each day using veg that is on offer or needs using up. When the oven is on I have batch baked pastry cases and sponge cakes for the freezer, in fact the freezer is groaning

This week I made this farmhouse fruit cake to take with us to the cottage. Using a very old Stork margerine recipe (so old the ingredients are only in pounds and ounces and the oven temp in Fahrenheit) I was able to use up all the left over bits of dried fruit from when I made the Christmas cake, although I no longer use block margerine like Stork prefering instead to use the Pure dairy free olive oil spread free from nasties.

I figured the best way to cut our spending is to not go shopping at all other than for food or necessities and that way I am not tempted to buy things I don’t really need.

I have been shopping though.

I needed to buy a new bedsheet – I only have two (one on the bed, one in the wash) and one on the guest bed (not that we have had any guests for a long time!). DH woke up one morning to find a rip in the sheet almost the full length of the bed, it had worn quite thin over time and there was no way I could repair it. We also need to replace the wooden blind in our living room. As we have some John Lewis vouchers we headed over to Cheadle branch have a quick look at theirs. The ready made blind we wanted is now discontinued and their made to measure ones are too costly for our budget. We tried a few other places and have seen one in B&Q which we have put on standby. Because of the size and shape of our window we have to remove at least a third of the slats of the ready made ones as they come as a standard 180cm length; DH is not at all phased by the alterations needed – he ‘cut to fit’ the one we presently have but we are seriously looking at having a made to measure one through Swift blinds who just happen to operate their business only a few miles away from us and their prices are quite reasonable.

The fitted bed sheet was easier to find and I just bought an ordinary white one from their Anyday range which is £13 and good quality. On the way out I passed the clearance section and spotted this double cotton duvet set. It was the remaining one of last summer’s range and was marked half price (£32.50 originally £65) so quite a bargain and good quality. The colour will go well in our main bedroom – when it is decorated that is – and although I don’t normally buy florals I do like the Scandi style print on this. The coupons we had covered both purchases so they costs me nothing.

Having a John Lewis / Waitrose reward card meant that by taking 5 empty beauty products that can be recycled (any make) I could have £5 off any beauty product purchase. This offer is not continuous but keeps coming round so that I am able to take advantage of it and buy the Liz Earle shampoo and conditioner that I use when I need one and although they have just had another price rise to £13 each (ouch) it meant I only had to pay £8.

So that was my shopping expedition for this month and probably all I will be buying other than food. I have been busy making and baking and when I get back home I will be sowing seeds ready for growing a few bedding plants for the planters and this year I will probably grow tomatoes, courgettes, potatoes and some salad leaves to eek out the food bill.

Well I will leave you all here and maybe even manage a couple of posts from Scotland. The cottage garden is just waking up and I can’t wait to get out there to tidy up a bit. x