There is no denying that it has turned much cooler since the unexpected mini heatwave over the recent Bank Holiday weekend, but like most people I feel that we have said goodbye to summer now….ready or not.
My first reaction has been to swap the cooler cotton duvet cover for the extra warmth of my cosy flannelette. This seems a little early compared to other years and I may even throw on a blanket tonight or just grab a hot water bottle. The heating has started to come on in the mornings too now so the temperature must have dropped low enough to trigger the thermostat. Are we possibly looking at a long cold winter? I may need a new warm coat.
The kitchen is a blissfully warm place to be right now. After months of salads I am ready for a change to warmer, more satisfying meals using root vegetables and pulses and looking forward to roasted veggies with a good handful of herbs scattered on top and our favourite nutloaves. I am also being mindful of minimising our food waste and using up all the vegetables from the weekly shop in whatever creative ways come to mind.
We ended the week with a few oddments – a couple of leeks, one carrot, a courgette and two baking potatoes – once chopped I added some celery and onions together with a packet of brown lentils and made a good old warming Lentil Stew – enough for two days. Eaten with a chunk of bread and butter it was everything that I love about autumn food.
Whilst browsing my recipe books looking for some new ideas I noticed a recipe for Carrot and Walnut Loaf that I haven’t made for a very long time – a bit different from our usual nut loaf – vibrant warm colours with the mix of carrot and tomato paste – so thought I would make some to freeze ready to take with us to the cottage – when we eventually get to go. We have only just got the car back from the garage after 3 days…..I was expecting a very large bill…..one that you have to sit down for……however, due to one thing and another (won’t bore you with the details) the lovely garage man only charged us for the parts and no labour costs.
It has become almost a daily ritual for one of us to make a batch of soup – this week I made tomato and red pepper and a healthy green soup using a bag of the ready washed watercress, spinach and lettuce – throwing in celery, leeks and frozen peas – plenty of iron and no doubt calcium. I had a recipe for parmesan crisps that I have wanted to try for ages – I can tell you they are simply more than moreish and keep crisp in the fridge for days. I will add the instructions to my recipe tab.
The blackberries we gathered are now partly cooked and in the freezer. This little fellow below crawled out of them, luckily before they went into the pot.
He is so cute and so tiny – I have never seen a snail so small – he is on some kitchen paper here and magnified in the photo – measuring only about 0.5 cms in reality, smaller than my little finger nail. After surviving the ride home and then being rinsed in salt water I decided he should now have the freedom to live in the garden. I might regret that!
This is the longest few days we have had at home for the last two months so there has been a lot of ‘jobbing’ going on here. Plenty of domestic chores – stripping beds (as well as walls) , scrubbing floors and generally all those day to day normal household tasks. And lots of tea – mostly ginger, sometimes green or even just ordinary black.
But in and amongst and during some of the rainy days I have been sorting through my kitchenware – this is a category I both love to collect (mmm…. just how many blue patterned bowls do I really need) and find hard to part with. The one in one out rule does not work here so the new drinking glasses (only £4 for six from IKEA) – although they are a replacement still needed a home. The paper cocktail umberellas are used when Little L comes to stay – she always takes her glass of milk with one and a stripey paper straw of course – it has become a bit of a tradition now, granny’s little treat. I always loved them when I was a child and my granny used to save them for me when she had been out drinkng cocktails. I can’t say I go out for cocktails in the same way – mine just come courtesy of Sainsbury’s!
Progress on the pantry is steady – DH has stripped the walls of both paper and the old magnolia paint beneath and has started filling in holes. The back window wall needs a skim of plaster as does the ceiling – so now we wait to have someone come to do that.
The garden has been an absolute picture of colour this year and there are still plenty of bright spots here and there – but the colder wet weather is certainly bringing them to an end sooner than usual. It has been touch and go with the outdoor tomatoes but at last I think they are on the turn – just a little more sunshine should do it. Little L helped me sow a few more lettuce seeds – I may have to make some kind of cloche to help them on their way.
We have been busy cleaning and putting tools away in my new shed, which is now painted a lovely shade of grey and ready to take the harsh wet winter weather here. The festoon lighting has been taken down – drying off in the airing cupboard to prevent any rust. I decided they seemed a bit too delicate to be out over winter. I felt a bit sad to see them go and the garden feels a bit empty at night without the little trail of lights streaking across the darkness.
My dad’s old stool will have to go away too and the garden seats covered if this rain ever stops long enough for us to get all the outside jobs done. With such a turn in the weather there seems to be more of an urgency this year to get everything under wraps.
And surprise, surprise in my inbox…..I only mentioned that I needed this the other day as I was running out of face cream – a 20% discount voucher from Neal’s Yard. I decided to stick with the intense serum but drop to the cheaper Hydrating Frankincense cream to save a little money. I also had £12.90 in reward points to use so the two items were a lot less than expected.
The Liz Earle shampoo was covered using my Boots advantage points so I was well pleased with my savings this week. In fact the whole week has been quite a low spend week which is a good start to the month.
I decided I need to ease myself back into some craft work and hesitantly took the baby jumper I had been knitting out of the basket – I abandoned it sometime in May whilst making the Christening dress and never got back to it. I really couldn’t remember where I had left off but had a faint recollection that it involved some hand sewing of the seams before I can knit the last little bit of rib around the hood. I am pretty sure it will be far too small now for Sweetie so I only hope that Freddie might like it despite the bit of pink.
I have almost finished the first of the library book stack The Life of Stuff – an interesting read though I am glad to be at the end as hoarding is quite a depressing subject. I am dithering now between Christmas at Thrush Green and Not in your Genes for my next read. Do I want to be entertained or educated….
Have a lovely weekend everyone and welcome to new readers.
We decided at the weekend that we would take a day off in the week to go out somewhere – just the two of us – no grandchildren, no daughters and no mother – just us.
An opportunity came on Monday as the rain appeared to have stopped. I was up early and got the washing out on the line, then made a fresh batch of green soup. At 10 o’clock we decided that the weather was holding and good enough to go out; so we hastily filled a flask with hot soup and buttered some bread, brought the washing in again in case of rain, jumped in the car and headed south with a vague idea of going to Buxton. One of my forever favourite places.
We had passed through Glossop and Hayfield but feeling rather hungry by now we pulled off the road at a tiny place called Slackhall just outside Chapel en le Frith and followed a rather narrow winding country lane into what seemed like a hidden valley. Glorious.
We pulled into an opening to admire the view whilst eating our picnic lunch. Afterwards, I couldn’t resist picking a few of the ripe blackberries from the hedgerow down the lane. Just enough for a blackberry and apple pie to herald the start of the coming season.
Mingled with the blackberries were plenty of fat rosy hips of the wild dog roses and along the grassy verge many of the wild flowers have now died back to a delicate skeleton of seedheads in every shade of corn yellow and brown, dancing around here and there as the cooler breeze swept in waves across the valley.
The corkscrew spirals of rose bay willow herb with the fluffy white seed heads so intricate and pretty and these tiny pearl like seeds of the plant below looking like little raindrops – can anyone recognise this flower, it doesn’t seem quite like cow parsley?
Being immersed in these beautiful surroundings amongst nature and undisturbed by traffic certainly does your soul good – it was so peaceful here I really didn’t want to leave. We will be back one day with our sketchbooks.
But sadly, once lunch was over and I had filled my bag with a few choice blackberries, we had to move on in order to leave us with plenty of ‘afternoon’ to look around Buxton.
For those of you that have never been, Buxton is the heighest town in England, has more than its fair share of snow every winter and rain too and is split into two parts – the lower and higher town – divided by the slopes, a tree lined park connecting the two parts – the upper housing the Town Hall and market place and the lower the magnificent Crescent and drinking fountain – the latter a memorial to Samuael Taylor.
We parked at the higher part first and headed for the famous secondhand book shop Scrivener’s. Every corner of the five floors is piled high with books and every tight little space has a seat for browsing. I could get lost in here for hours.
Scriveners, Buxton
Then we walked down to the local museum / gallery but found it closed. Monday is not a good day. Along the snicket by the side of the museum we discovered The Green Man gallery has a new home in this adjoining building.
I had seen the building many times before because it has a distinctive turret formed by a stack of wooden bays on one corner and looks like it needs some repair and attention but has a quaint shabby chic feel to it. I have always wanted to see inside and now, it seemed, was my chance. So we followed the little green footprints to the doorway and went inside for a browse. Every surface, including some of the windows, has been ‘artistically’ painted both inside and out and the gallery spans about four floors with rooms for workshops and dedicated artists.
This was looking out of one of the green bay windows in the turret onto the slopes below through a decorated pane.
My favourite artwork had to be this unusual mosaic set into rocks…..
….and this old fireplace set in a stark, almost empty room in one of the bays and which felt like a piece of art in its own right – a ghost of the past paying homage to the fine building it might once have been.
Once outdoors again we just went for a wander around the town. I can never visit Buxton without taking pictures of the shop fronts. From the simple….
…to the more elaborate. This is by far my favourite – the old chemist on Cavendish Circus – representing a piece of old England – of days gone by – an independant shop displaying goods in the window like a treasure trove for passers buy to browse and admire.
The tiny tobacconist come toy shop on Grove ParadePotters – the local drapers on Terrace Road – now selling Joules and Sea Salt labels, keeping up with the times whilst still holding onto everything that is endearing about this magnificent old shop.
These shops are just a joy to me – the beautiful architecture and canopied buildings – I am instantly transported back to the Victorian era when this growing Spa town was a desired destination of the genteel ladies flocking here to ‘Take the Waters’.
And then there are the buildings – to attract more visitors to this developing Spa town the Pavillion, built to replace the old Edwardian bandstand in the gardens, opened in 1871 – a glorious glass and steel structure echoing a seaside resort. This was followed by the Octagon Concert Hall – (distant left in the picture below) in 1875 and then at the turn of the century the distinctive Opera House was built.
Buxton and domes it seems go hand in hand – they are everywhere against the skyline, looming up through trees and proudly displaying its long heritage, a stately tribute to past and prosperous times. Buxton is home to the world’s largest unsupported dome (the Devonshire Dome) until more recent times – quite a structural achievement back then. But that is another day, another post.
The gardens around the Pavillion are beautifully kept since being handed over to a management company. Within these iron gates is everything for a good family day out – including a minature train and boating lake.
After a good stroll around it is always worthwhile to visit No6 The Square just opposite the entrance for one of their afternoon cream teas. Indulgent…yes, delicious…absolutely.
As my usual readers will know my blog is more or less about my daily life and homekeeping and a desire to live a simpler life. For me keeping a home running well involves keeping the finances running well too so I include them on my blog as they are part of my story and presently a large part of our new journey into retirement.
I have, for as long as I have been married, kept a weekly tally where I record all our spending – I used to do this in a cash book but now keep a record on the computer. It is something that has become second nature but stood us in good stead throughout our married life and when money has been tight (many times) I am able to see where cut backs can be made.
So as it is the end of the month here is a quick round up of the past few months. For any new readers I will just mention that I am not exactly a frugal blog ( though I do like to learn from these); I prefer to be mindful of our spending and am on a mission to live simply – cutting down on any frivolous and unnecessary purchases that might lead to future waste. Since I left paid work last year we are trying to live more economically within our present meagre means of one state pension plus a small private pension of DH and so finances are a little tight at the moment.
I fall into the WASPI group of women who through being born at just the wrong time have to wait until I am 65 and 10 months to draw the state pension which until the recent changes took place I always thought I would be claiming at 60 – like the majority of my slightly older friends. I have only 9 more months to go now before I can draw it. Phew.
Not only am I curious to see how possible it is to live on a small pension but one of our aims is to survive without breaking into any of our savings each month to top us up. This is proving to be an almost impossible task as unexpected expenses crop up each month and it might only be something like having our Aussie cousin to stay (and entertain) that tips us over.
As one day we will be downsizing and maybe moving to live at the cottage (when it is sorted – see the Beach Cottage tab above for the flood story) we are committed to living a simpler and ‘stuff’ free life – we are both trying hard not to buy things we don’t need and my daily motto has become use up, use up, use up so we are not storing unloved and neglected toiletries or cleaners or finding out of date foodstuffs lurking in the cupboards.
As I continue to declutter our lives I am loving the clear spaces I am creating throughout our home but I cannot throw things away recklessly instead I am looking to recycle, reuse or repurpose them in some way or pass them on to good homes. We have also been able to sell some things on ebay which have helped us financially and I am looking to do a car boot sale soon.
Of course the best way to save money and keep the house contents to a minimum is not to buy it in the first place. At times this can be easier said than done and it is so easy to justify any purchase if you really want it. As one of the famous Minimalists said ‘ not buying something is your future self letting go of something’
For those following along you might have noticed the June and July tallies did not happen due to all the other pressures we faced at the time and if I remember clearly it was also the period I spent researching and going ad free on my blog. As you might say ‘one cannot do everything’.
This year will have seen us relying entirely on our pension income as I left paid work a year ago now. As I do not have an income I can give £1,250 of my personal tax allowance to DH so he can keep more of his pension before it is taxed – for anyone in the same boat check it out on the government website. I find that you really have to work hard at limiting your spending and keeping yourself buoyant each month when you have no paid work and no possibility of overtime as a backstop. If you run out of the money from the pension income then it is capital and savings that you have to delve into to cover your costs. Eating into next month’s pension is not a good idea.
So how did we do in the last three months?
Transport and fuel costs
June was the lowest spend on fuel of the past three months but July and August much higher due to the extra costs of going to Scotland and many trips up and down to North Yorkshire as well as driving around the countryside taking my mum and the Aussie cousin out and about. We made good use of the Sainsbury’s petrol vouchers with 10p off a litre and the lower petrol prices at some garages but I am not sure September is going to be any less expensive.
In addition we had to have two new front tyres in June. DH checked them every week for tread until they were worn down as far as they were still legal. We took out the extra £20 tyre guarantee (which we did use last time when we got the puncture earlier this year and it was a big saving).
Health, wellbeing and beauty
I limit myself now to the number of skincare and toiletry products I buy. Where I can I buy in multiples when there is money off and they generally last a long time. In June I bought more Neal’s yard face cream because I had another 20% off voucher – they don’t always land in my inbox at the most favourable time but if I don’t use them when they do I would not be able to indulge in this one luxury at full price. Together with the yoga costs and a few supplements I bought for both me and DH it was an expensive month.
I didn’t attend any regular Yoga in July as the teacher had to go into hospital but DH had some NHS dental work done to renew an old filling at the standard cost of £62.10. We both had hair appointments to pay for and more supplements – mainly those probiotic ones for DH because the antibiotics he was given earlier this year for his dental abscess really made his stomach bad.
August was much better – I bought a mascara and a pot of basic day cream to be able to use the £10 off a £20 No7 spend voucher – so the cream in effect came free. DH had another course of the pro-biotics. It can take up to 3 months to repopulate the gut once antibiotics have destroyed the good bacteria. So although the antibiotic prescription was free it has ended up costing us a fortune to make him better!
Utilities
The reduction in our landline and broadband costs has been significant in the last few months. The BT charges were heading towards £50 a month for our anytime calls with unlimited broadband and a discount for paying the rental upfront once a year. They could not quite match the cheaper price quoted by Zen – not even close, though they tried a few times with their many best and final offers!
We are pleased with the switch to Zen – they have good customer service and our monthly bill for unlimited calls, faster broadband and line rental is £36.49 – the other advantage is we do not have the bother timing any calls to get the free hour as Zen calls are just free as long as they are not to those expensive numbers we all avoid.
The gas and electricity is now combined with SO Energy – we are well in credit due to the summer months – this may be needed to cover the winter months but if not we will get a refund. I like their very clear monthly bills so you can see exactly what you are paying for.
Grocery and housekeeping costs
Over the last three months the grocery costs have remained higher than they probably need to be but then we have been feeding a lot of visitors from time to time. It is quite right that when you get busy you don’t have as much time to shop around, plan meals and take advantage of the best offers. I know I could cut this down a lot if I shopped elsewhere and didn’t buy organic veg and groceries but organic food is important to us and I will continue to buy it for as long as I can because I like to support organic farmers – I strongly believe it is the way forward for sustainability and health.
The remaining housekeeping costs for things like cleaning products, basic toiletries, car parking, stationery and magazines are all quite low expenses now since I have made big changes to what and how much I buy in this area and have been flexing my will power with magazines!
Home and Garden purchases
Over the three months we have spent little bits here and there on small items for the home like a new chopping board, new drinking glasses and a picture frame to house a new photo of the latest grandchild. Each item has been no more than £5 but of course over time all these little bits add up and I now question whether we did really need them. I also had to renew the pillows that were recalled from Sainsbury’s so that the double bed in the guest room was usable by our guests. I ended up in Dunelm where we bought a pair of cheaper polyester pillows (though I feel this was a bad choice sustainability wise) but also two new duck down ones for our bed – which are heaven to sleep on. I think spending money on things like a good night’s sleep is vital and cost effective.
I also bought (after much deliberation) a quilted double mattress protector from IKEA as a spare because not having a dryer it has been hard work getting the one on our bed washed, dried and aired to put back on the bed in the same day especially in the winter. I gave the spare one I used to have to my daughter when she moved house thinking I could manage without it but have regretted this ever since. It will however double up for the bed at the caravan if any of the family go to stay there and use the spare bedroom.
The new single bed mattress we have just bought (for our other spare room with the bed on the mezzanine and which will be used by the grandchildren when they stay) together with the unit bases for the pantry are not included in this months figures because we bought these using the interest free credit offer at IKEA and will be paying monthly for these from September. We don’t really need the credit but I prefer to keep my money where it is earning interest for as long as possible. The monthly payment will just be absorbed into our monthly bills so shouldn’t be noticed quite as much as taking a large sum from savings.
I admit to overspending on the garden this year. Being at home now I have spent a lot more time in the garden and started growing our own salad produce. I need to use more of my time to take cuttings and grow annuals next year for the planters.
The bargain of the year though must be the two large wooden planters above that we bought in August from our local Wyevale garden centre originally priced at £39.99 each but had a sticker on saying 70% off – plus we got the 5% member discount and a £5 voucher making them £8.90 each – how could I walk away from them – not sure yet where we will put them but we will be growing more food in them next year.
Cards and Gifts
I really had no idea how much I might have spent on this category. I remember birthdays coming and going during the three months but had little time to make cards or shop around for bargain presents. However, the total spend for 3 rolls of gift wrap from IKEA and the cards was quite minimal considering the majority of these have been anniversaries and special birthdays. The only gifts were for my granddaughter’s birthday and a 60th present. Making more cards and gifts would help – I certainly have enough craft supplies and really need to use them up.
Crafts and Hobbies and Books
The biggest expense was my blog upgrade to get rid of those pesky adverts. I did get a discount and no I don’t regret it. We also bought some foam core for various uses and a cunning sheet of black card to put against the Velux window in the sunny spare room as a kind of blackout for when Little L slept in there to keep her asleep longer in the mornings. Bliss it worked!
Leisure and Entertainment
We paid entrance fees at the four different Open Garden events we attended @ £5 each – £45 and worth every pleasurable penny especially as it doubles up as a donation to charity. We also paid for the little train and cliff lift rides at Saltburn…but it did make for an enjoyable day out.
Some of these costs are incurred because there is no other way to avoid them when you are out and hungry, but the larger expense is when we take my mum out and about for a few consecutive days; and of course in July we paid for food and drinks for our Aussie cousin whilst we entertained him and also bought drinks when we had a bit of a reunion with old friends in the local pub.
August was a good month with a zero spend on clothes and shoes. June and July saw us replacing worn shoes and slippers and I bought some harem joggers from Next and a couple of cheap t-shirts.
I will be doing an update of my wardrobe declutter soon in another post.
So that is the extent of our spending and my rambling – not all doom and gloom. I made use of vouchers where I could and have cut down quite drastically on clothes, magazines and books. As always the eating out and fuel continue to cost us dearly and even though our spending on the home is higher than I would like there is at least something to show for it and they are more considered purchases rather than on the spot impulse buys.
I thought at the beginning of the year that I might be able to reduce our costs more and even be able to put some money into savings but that is probably not realistic. We have attended to all the utility bills and managed to reduce them, but there is little you can do with the council tax other than pay it or move.
We have so much stuff in the house but each month our tally shows we are still gathering more. I am trying hard to avoid those scenarios where you have a cupboard full of food yet there is nothing to eat, or a wardrobe full of clothes and nothing to wear.
I want my purchases to count….to use it or love it. I love the space and freedom from having less stuff….and at all costs I do not want to find myself constantly decluttering….. throwing out or selling on purchases I make today at some time in the future.
I will be doing more posts on my decluttering and money saving activities but for now the garden calls as the cooler weather gets underway and we are facing autumn once again. x
I am sure I am not the only one wondering how we are suddenly finding ourselves plunged into September. I feel like I blinked and missed the summer but that maybe because we have not had a summer holiday this year. Things happen.
August was too busy a month for us to have made any plans instead we just coasted along reacting to whatever came our way day by day. September should see us trying to get back to some sense of normality whilst we wait for significant dates to roll forward.
Although the start of the new school term doesn’t directly affect us it does make a good starting point for the final part of the year; a time when the weather significantly changes and we turn our attentions to different activities more in keeping with this coming season of cooler weather and shorter hours of daylight. Everything will begin to slow down in the garden so I can use the extra time indoors improving my homekeeping skills!
So, with the best of intentions, here is my usual monthly list of intentions.
The new pantry is top of the list for jobs. It has been dragging on all year but now the units and worktop we chose have been delivered and are being stored in the garage until DH can assemble them. We definitely need to make this a priority. I can’t wait to get it up and running.
I need time in the garden too – tending to plants, feeding the lawns and continuing to dead head the annuals to keep them flowering for as long as possible.
When September comes along I think of harvesting the abundance of food that is around – blackberries in the hedgerows, apples from our tree and with the start of this new season I always want to spend more time in the kitchen. As the days begin to get cooler it is a nice warm space to be trying out new recipes, using up the plentiful supply of tomatoes and left over greens to turn into delicious soups. I am even in the frame of mind to make some jam.
I am quite proud of myself that I have been able to keep our house looking neat and tidy throughout the summer. Having visitors helps! Once I had done the initial big clean it has been easy to keep on top of it all. There are some basic household jobs on my list that really need doing this month – clean my new oven and put away the garden furniture and cushions. Maybe switching some of the decorative items around for something a little more seasonal.
Whilst things have not been easy for us during the summer I still managed to keep on reducing our stuff bit by bit, a pair of boots and 3 pairs of shoes I can no longer wear have gone to my daughter. I decided that the fixtures and fittings from the cloakroom and other oddments in there would be best sold at a Car Boot sale – a few extra pounds in the coffers would not come amiss at the moment.
September is the month of Heritage open days. I always look forward to these and squeeze as many venues in as we can wherever we happen to be. We are already making plans and marking off the ones we want to go and see should time allow. Even better now we are not limited to weekends only.
We will also be going up to Scotland and no doubt another trip to North Yorkshire and if there are any late open gardens or well dressing events then we will add those in too.
As the summer is drawing to a close it is time to revise our budget for the four remaining months to Christmas. It is important to conserve what we can so that the cost of Christmas does not become a potential problem. I will be posting my monthly tally in a day or two.
I an doubtful, but quite hopeful, that I might be able to do some crafting this month. I have lots of ideas all I need is time. Watch this space.
I always find it helpful to have an idea of what I want and need to accomplish during the month though I don’t always succeed – but like they say if you fail to plan you plan to fail!
where the journey takes me 2 