Category: trEAsury

Once again I am facing the moment of truth.  Sometimes we can think we are doing well and spending less but the figures at the end of the month never lie.

Overall for February the total outgoing money was much the same as January but the amounts in each category had shifted around – a bit like the sand and pebbles on our beach at the cottage.

To summarise; the housekeeping, household bills, cards and gifts were lower than last month but fuel costs, eating out, health and wellbeing were higher.

The housekeeping money (which for me includes groceries, whole foods and supplements, magazines, cleaning supplies, toiletries, face creams, make-up, postage, stationery and flowers for the house when I buy any) came in at £367.00, but of course it was the shortest month so maybe this wasn’t a great achievement and remember I am not an all out frugal blog by any means (stop reading now if you were expecting severe thrift or you will be disappointed) – I like a bargain and I like to live within my means – I also like hanging on to my savings for dear life but I don’t particularly buy cheap in all cases in fact I like quality and value for money so I assess everything I buy with that in mind whether it be food, clothes or a garden tool.

I know there are many of you out there who would do much better than me but this is my way of cutting the spending down and buying less without making myself totally miserable or obsessed and I am pleased with myself if I find I have spent less than last month.  I haven’t even set category budgets for myself – I suppose I should really but I know I have to stay within the bounds of our one state pension for most of our day-to-day living costs and save a bit if we can.  When we have lived on the pension for a while and have definite figures to work on then I can adjust and budget.

So how did I do…

Transport and fuel costs

February was heavy on fuel costs not just for the car but during the warm spell we had recently we had to buy petrol for the mower in order to cut the grass!  The trip up to Scotland and 2 round trips up to North Yorkshire increased this category to £180 ouch!  In compensation there were no other transport or car related costs but we do have an MOT coming up next month.

Total costs of seeing the world and shaving the grass: £186.87

Health and wellbeing costs

February saw us both at the hairdressers for a cut and blow dry.  We go to the same local hairdressers  – not together I might add, that might be a little strange!….and whilst mine is £26, DH only has to pay £11 but then his hair is much shorter and he has less of it.  For me it is worth the expense, I always feel much better afterwards.

Total cost of a brand new me and him:  £37

Utilities

Our central heating and hot water runs on gas and we have a coal effect gas fire in the living room.  The heating is on from 5 pm to 8pm – after that we will just put the gas fire on if it is really cold whilst watching the TV or sometimes for a bit of glow on the lowest setting.   The gas bill for February came in at £69 plus VAT.  I didn’t think that was too bad – helped of course by the milder weather and watching TV during the evenings wrapped snuggly in a throw rather than putting the fire or heating on.

Total costs for the joy of warm toes:  £72.63

Grocery and housekeeping costs

Surprisingly I spent less this month than last (but then it was only 4 weeks long) however the average per week on groceries alone worked out at a little more than last month @ £77, (£309 for the month) but we did take advantage of a lot of items on offer so are pretty well stocked in the grocery department.  Some weeks I do better than others and have more time to plan – sometimes it is all a bit rushed and that is when I do spend more but we have been having some nice meals recently and I have been trying new recipes.We had a surprise freebie in Tesco in Castle Douglas in Scotland when they were handing out free rolls one evening.  You couldn’t beat this yellow sticker price! I didn’t buy any toiletries or face creams during February but did treat myself to some flowers for the house.

Total cost to eat and be merry £361.87 and a bunch or two of cheerfulness £5.

Home and garden purchases

Once again just bits and pieces bought in this category but it still added up to an alarming £106 – I had to look twice at this in disbelief – but it is there in black and white and needless to mention this cost will be taken from savings not the pension – the pension does not allow for frivolous purchases that consist of:-

• 2 large storage boxes with lids for in the loft to replace some old cardboard bankers boxes
• 3 lidded craft storage boxes to hold our old slides
• 1 small 4 litre Maslin pan to make jam and marmalade reduced by £10 to £19.99
• 2 glass lidded containers from Muji for cotton wool and cotton wool buds (this was a definite treat); I love Muji products for their simplicity and have wanted these for ages and couldn’t resist when DH gave me the OK nod.
• Portable Muji diffuser – on offer at the Muji store – gives out 2 hours of real essential oil fragrance
• 2 Pillow protectors on sale in Sainsbury’s for £3.60 – decided against the dearer John Lewis ones and will return them.

This is certainly a category to watch – those little bits here and there add up to quite a lot.

Total cost for unavoidable household needs wants: £106

Gifts and card costs 

Gifts and cards came in lower than last month – only a couple of birthdays and mum’s belated birthday book token.  I already had a Valentine’s card and a stock of birthday cards and luckily none of the birthdays required a gift, so much cheaper month than last.

Total cost to gift away: £22.50

Crafts and hobbies

Confession – I bought two books (I include books in my Craft and Hobbies category).  Simple Sewing posted here, and The Stress Solution by Dr Rangan Chatterjee.  I bought his book The Four Pillar Plan a while ago and it is one of the best general health books I have read and continue to reread and am trying to put into practice.  I couldn’t wait for his new book to appear cheaper in The Works so splashed out the £8.49 in Sainsbury’s.

Having tried a bit of crotchet with the hooks and wool I bought last month it became apparent I would not be making any baby clothes any time soon – I couldn’t even crotchet a square and will need more time to practice so I decided to try my hand at knitting again. I bought a baby pattern £3.10 and 3 balls of Sirdar Baby Crofter from Hobbycraft @ £4 ball to make a jumper for Sweetie and now realise knitting your own is not a cheap option.  DH just smiles!

Total cost to keep me busy: £27.78

Leisure and Entertainment

I spent a worthwhile £15 on the pantomime tickets (no discounts even though I am related to the stars of the show!), however I do still have to pay my sister for these when I see her.  Of course the petrol costs to get there would have been about £30 – but she is my sister and of course Libbie (Little L) was so thrilled.

Other than that our other entertainment this month was visiting Ikea – totally free!

Total costs of a good belly laugh: £15 (not including the fuel a definite boo!)

Eating out

This continues to be much reduced now we take picnics everywhere or get free drinks in Ikea – but is higher than last month as we had our trip to Scotland and bought a chip butty tea each on the way up and back £7.70.  Mainly though our only regular expense is the pre shop drinks in Sainsbury’s café every week £4.10, DH always comes along with me now since I am no longer at work (probably to keep an eye on the spending!) so it doubles this little indulgence – if we gave this up we would be down to zero pounds unless we elect to treat ourselves for lunch out, which we did at Costa en route to the Pantomime.

Total costs to satisfy our healthy appetites:  £52.25

Clothing and footwear

I bought a grey long-sleeved t-shirt from Sainsbury’s – it was, I am pleased to say, a considered purchase.   I bought one last Autumn and love it so much I invested in another before they disappear, they are great to wear under a jumper and keep me snug and warm in the cold weather – so a small price to pay.  I also needed to replace some old wornout black socks that I wear with my jeans and leggins.  One pack of five from Tesco for £5 – they have the same patterned rib as the previous ones I bought two years ago which is great as I won’t need to spend time matching socks after washing them.

Total cost to looking totally glamorous presentable: £9.75

As you might expect the spending in the different categories has ‘see-sawed’ a bit this month.  What was a low figure last month was higher this month and vice versa.  I am enjoying the books, enjoying the knitting (more on this another day) and will no doubt enjoy making some jam and marmalade.

So a few new items have entered my home but what has gone out…I will reveal later.

As usual hoping to do better next month and any advice is always welcome….xx

If you want to read January’s tally click here

For anyone following along with my state pension adventures – the objective this month, as with most months, was to spend less but some things just cannot be avoided – like the inevitable bills and fuel… and the most unavoidable but disastrous… taking my purse out with me!

I managed to roll over £84 of the last pension payment to this month but as the pension is paid 4 weekly (I promise I won’t gripe about this again) I won’t know if I have any spare funds until my next pension income on the 15th February.  My intention is to take out a percentage to save before I spend.

Transport costs

We did well on the fuel – just one fill up needed approx £75 for a full tank – we have not been very far this month and no trips up North and it has made such a difference – but we will be going on Friday (though this will come into February’s budget) – after all I cannot miss seeing my sister in a pantomime and Little L is going with us too this year and as she tells me “I am ‘super’ excited granny”, I only hope it doesn’t snow too much.

It was a heavy month for the cars – multi-insurance cover was due, road tax and a yearly service.

Health costs

Like the car I also had a maintenance check up at the dentist which is now £21.60 on the NHS and much cheaper than the car maintenance – maybe the NHS will do my car service next year.

Utilities

The general household utility bills are on a monthly standing order for the gas, electricity, telephone / internet and council tax.  Our council tax is paid in 10 monthly instalments so we don’t pay in February and March so this will help boost the float in the bill account.

Grocery and household costs

The groceries and household (toothpaste, toilet rolls etc) are working out at about £70 a week.  It has been a 5 week month for us and if you count it to the time we will be shopping again on the 5th February it will be almost 6 weeks so the average drops to £60 a week.  This is still disappointing and there are a few reasons that it has not dropped more –

• Price rises – the supermarkets will insist on adding an extra 50p here and there as if we don’t notice.
• I have been taking advantage of any items on offer that we normally use, but are not actually on my shopping list, and buying in multiples – it seems more cost-effective over the year to do this.
• We are now spending a lot less on buying food and drink in Cafés when out and about – but of course the food has to come from somewhere so we are buying in extra bread and veg to make soup and sandwiches to take with us and this then comes within our grocery budget but obviously homemade food is far cheaper than buying out.  I also buy the wrapped chocolate biscuits or Cadbury’s mini rolls – whatever is on offer – to take with us if we do stop to have a drink anywhere – then we don’t have to buy expensive cakes and traybakes.
• Although I am making a weekly menu plan I have not, as yet, been thinking in terms of how to make an individual meal cheaper or mix in some very cheap meals with some dearer ones over the week.   This will be my next step to reducing the food bill.  For instance a packet of brown lentils cost about 65p but mixed nuts for nut roast are £4 a packet, so a shepherd’s pie is far cheaper than a nut roast for us.  I am not a pasta fan but I could probably manage one pasta meal a week and pasta is very economical.  We perhaps have more cheese than we should too, so I could maybe cut down on our cheesy meals and use more pulses.
• Fruit is just not cheap in this country out of season (and sometimes in season).  I have a small amount of mixed fruits each morning with my plain yoghurt to get my Vitamin C quota for the day, usually blueberries, oranges and grapefruit.  It is the blueberries that are the most expensive.  I have tried the frozen ones but for me they seem to have little taste and a watery texture.  To blend them to a puree means missing out on the fibre.

When I think about making savings in the food budget I always have to balance up the health costs too.  We are pretty healthy but I would not like to skimp on fruit and vegetables and as you know I always buy organically grown, even though it is dearer, as I feel passionately about supporting sustainable good husbandry practice that protects our countryside and wildlife.  I know this is not possible for a lot of people as price has to be the overriding factor but for as long as I can I will – there are many more economies I can make in other areas.

Home and garden purchases

Nothing major bought in this category so I was quite shocked to find I had spent £90 on bits and pieces for the house – inexpensive in themselves but collectively I spent far too much.

• I bought 3 white wicker baskets reduced at Sainsbury’s to £5.33.  They have proved very useful though.
• I took advantage of the Sainsbury’s after Christmas sale and bought 2 feather and down pillows £13.33 each to replace some worn out ones on our bed.
• I also bought a natural cotton zipped pillow protector from John Lewis to protect the new feather pillows.  I thought there were two in the pack but it turns out there is only one so at £14 each that is expensive – more than the pillows.  I went for the natural cotton ones because the cheaper polyester have some kind of protective treatment on them and that put me off buying them.  I am dithering on this one – might return them.
• My hot water bottle had also perished so I replaced that @ £2.99 from the Range (good value) but whilst I was there I bought 2 large plastic storage boxes for the loft to replace the old cardboard bankers boxes and they were £4.99 each which I think are much cheaper at Ikea. Oh well you win some you lose some.  I don’t like buying plastic but I think the items I am storing are much better protected in storage bins with lids than in cardboard.
• My other two impulse buys are a wire magazine rack from Sainsbury’s reduced to £2.70 – hardly a bank breaker and I got one of the proper wire stands for my large Kilner drinks dispenser with tap, at £5.99 so I don’t have to balance it on an up turned bowl at parties and it should be much safer and easier to use.
• And lastly I purchased 2 cushion covers in the sale at Dunelm – a pink fluffy one (I blame Sadie for this – the pink thing again!) and a lovely dark grey felt fabric with embroidered leaves that has a nice Scandinavian feel to it.  Total cost for both £16.  This was a bit of an impulse buy too – I should really have made some covers myself for my spare cushion pads.So although I didn’t think I was buying anything very much over the month obviously the spreadsheet tells a different story.

Gifts and card costs 

Gifts and cards came in at £54.99 this includes the gifts for the new baby and a 60th birthday present.  I failed to make cards this month again but it is on the agenda and would have saved me £6.50.

I also bought a few packs of Christmas cards in the sales for £4.22.  I now have 37 cards (11p a card) ready for next Christmas.

Crafts and hobbies

I was passing the craft shop in Holmfirth yesterday and decided to buy 4 different sized crotchet hooks and a ball of light grey DK wool to get me started.  I had just bought a Crotchet magazine in Sainsbury’s whilst doing the weekly shop on Tuesday it came with 8 small balls of wool included in the pack and I intend to sit in the evenings and have a go.  I can always resort to knitting if it doesn’t work out and goodness knows I have plenty of grandchildren now to knit for.

I also, in passing, saw one or two gardening magazines with free seeds – I weighed up the pros and cons of buying them this way.  I decided I had no use for carrots, turnips, parsnips and cabbage seeds and will only grow tomatoes, courgettes and salad leaves this year so would be better to buy individual packets of exactly what I need.

Eating out

A much reduced spend now – most of the £30 spent was from having a drink in Sainsbury’s – of course if I shopped without DH and left him at home it would be half this amount.  We can easily reduce this to zero by not having our pre-shop hot chocolate – it is just habit carrying on from when I used to go after a long day at work.  But then we all deserve a treat once in a while.

Clothing and footwear

Nothing purchased this month…nothing at all – big tick.

So that is the months analysis of our spending. As usual plenty of ups and downs in the budget – on the whole we survived and there was little hardship but my thinking is that for 2 people to live on one state pension you have to eat less and eat very cheap food, not go out anywhere unless on foot – maybe to a soup kitchen – and certainly not buy anything for the house or anyone else oh and nothing that requires too much heating to preserve the gas and electric – then you have cracked it.

Hoping to do better next month and any advice is welcome….

We woke up this morning to snow – just a sprinkling, and so very pretty – like icing sugar had been sifted onto our lawn, but just enough for me to change my plans and go for our weekly shop at the supermarket in town sooner rather than later.  I had my menus already planned for the week and the shopping list written so we decided to get dressed and go.  We had a few errands to do whilst in and around the town centre and this helps to conserve the petrol.

Firstly, we stopped at the African Relief Charity to offload an old mobile, that needs unlocking, and my old camera.  Both items still had all their charging leads and instruction books and they have a guy who works there who puts everything back to working order and can unlock the phone.

Then on to the Welcome Centre at the Methodist Mission Church in town.  They do a good job looking after the homeless people – providing  warm drinks and food for those on the streets and today they were particularly busy as you might expect with this cold weather.   We dropped off two sleeping bags and a quilt.  We have no need of either now we have two spare bedrooms available (complete with bedding) for any guests that might stay but I will be very pleased if someone can make use of them and it helps me to reduce our ‘stuff’ a little bit more.

After buying a large pack of toilet rolls (we were down to the very last one) and kitchen roll from Aldi (just to try them for a while as they are much cheaper than Sainsbury’s) …and a small bunch of yellow tulips to brighten my kitchen for £1.89…we headed for the town centre to buy a few bits and pieces from the whole food store; organic brown Basmati rice, a box of Spelt flakes to mix with my muesli and a bottle of Almond oil.  I use pure Almond oil as a cleanser at night – you massage a little into your face and then wipe off with a damp cotton wool pad.  It really gets rid of any grime that collects on your skin over the course of the day and make up too.  Olive oil works just as well.

Then a walk round to Boots to take advantage of the 3 for 2 offer on the cotton wool face pads I use – a saving of £1.99.  Both the Kleenex man-sized handy packs of 4 and Ecover washing up liquid on my list were also on offer in Sainsbury’s so that completed my restocking of toiletries /cleaners and paper products for a while.

We found plenty of offers at Sainsbury’s this week so we generally take advantage of them and buy more than one to last a while – hopefully until they are on offer again and if buying multipes takes us over the weekly budget then I am quite relaxed about it as I am sure it is beneficial in the long run.  This week I found Hillfarm cold pressed rapeseed oil (comes in a glass bottle which is a big plus point), red lentils, milled Flaxseeds,  Lurpack butter and the Alara brand of organic muesli that I like all on offer.  The oil for instance was £1.50 cheaper which is a huge reduction – I bought two bottles but may even go back for another.   I also found two yellow sticker foods – a double pack of Cibatta bread for £0.49p (usually £1.80) and a pack of blueberries with 50% extra for £1.34.

Buying our shopping when on offer is a real money saver for us.  I was expecting a larger bill at Sainsbury’s today as it was a larger shop than usual this week mainly because we received our monthly pension payment last Friday and our cupboards and fridge had run very low on food.

I do enjoy making meals in the winter months.  It is the season for plenty of nut roasts, pies, lentils and root vegetables.  This week’s meal plan is to use up some cashew and walnuts from Christmas in a nut roast.  It isn’t exactly a new recipe but one I haven’t made for ages and believe me I have a lot.  I will be trying out a Mushroom roast too from a recipe I have had for a long time but not yet tried.  I might switch the breadcrumbs for brown rice to cut down on the wheat.  I do like to avoid having too many wheat based products in a day and often opt for other grains like spelt or quinoa.  I will also be making ‘green’ soup and vegetable soup, carrot and leek pasties and a shepherds pie served with fresh cabbage and roast parsnips.

I am going to add a drop down on my menu bar for some of the recipes I make – this may take me a while to get it all sorted so bear with me.  I am so sorry Dar that you have waited so long for the Stroganoff!

Yesterday was a mixture of cheap and dear as far as expenses are concerned.  It is a year since I bought ‘Hetty’ my new car – so it was the annual service which keeps it in warranty and cost us £119 but this comes out of our bill account where we save a twelfth of our yearly bill costs each month so there is plenty of money in the account to cover this.

As the garage was close to the M1 we dropped off my car for the day and went on to visit Ikea in Sheffield to look further at cabinets for our new pantry.  We took our usual picnic of sandwiches and some mushroom soup and a flask of hot chocolate.   We used our Family card in Ikea to claim a further free hot drink each so all we spent was £1.25 on a portion of chips to keep us going until we could eat our picnic.  So a cheap day in other respects.

After much measuring and debating I think we now know exactly how we will fit out the pantry using a mix of Ikea’s basic kitchen cabinets and some shelving.  However, there is always a catch… before we can do the pantry we really need to rearrange the garage so that we can put a cupboard in there to house both the vacuum cleaner and the coats we use for working outdoors.  Of course before we can rearrange we need to have a sort out and I expect we will find a lot of items that can go to charity, or give away to new homes but hopefully not to landfill.

Tonight I watched the documentary program with Kate Humble on BBC 4 about the Raute people who are the very last of the nomadic community in Nepal.  They have so few possessions that they can move on to a new site miles away at a moments notice carrying them on their backs wrapped in cloths or in baskets.

As I look around at our possessions – so many fill this house we would never carry ours anywhere and it has given me that overwhelming feeling of discomfort.