trEAsury ~ the March tally

The figures never lie – but surely I didn’t spend THAT much….did I?

I thought I had March under control as far as our spending went but sometimes the reports tell a different story.

We had similar trips to last month and trips = petrol which in turn = cost.  Our grocery bill stayed at the same average weekly rate which was disappointing and cards and gifts came in more expensive due to a special birthday gift and Mother’s Day. The most expensive categories appear to be eating out and home and garden – could they have been better…let’s find out…..

Transport and fuel costs

Almost exactly the same in March as February – not surprising as we had a visit to Scotland and North Yorkshire yet again.  We also spent £6 on the park and ride fare to Leeds for the financial seminars.

The MOT and car service for our estate car was actually done in April so a bit of a reprieve here on the March costs.

Total costs for gadding about and a ticket to ride: £185.65

Health and wellbeing

I never mind spending on this category if it keeps me fit and well. Bendy I am not at the moment – still there is hope.

Total cost for my flexible foray: £8

Utilities

We switched our electricity provider from Scottish Power in March to a dual fuel contract with SO energy who provide us with our gas.  They are a hit with us on two counts; good customer service and extremely clear statements, which come in on time every month so you know how much you have spent.   Without the benefit of the good weather we had in February, March was a much cooler month and our gas bill reflects this but only by a few pounds.

Total cost with a toastie transference: £78.00

Grocery and housekeeping costs

The total bill for groceries and whole foods alone was much the same this month as last, £314 with the average also remaining the same at £78.  I liken my weekly shopping costs to a Slimming World weigh in – I was convinced I had spent less but in truth I had not,  though as with a weigh in remaining constant is better than gain and obtaining a constant average of £75  since the beginning of the new year is I think worthy of a prize.

I have managed to build up a bit of a stock of some items – not intentionally, not for Brexit even, but in order to take advantage of the items on offer – so my figures reflect stock rather than foods eaten.  I do have in the back of my mind that when Brexit happens we may face shortages so maybe it is no bad thing to have a bit of a stockpile.Neal's YardIncluded in this category are toiletries and this month I bought another Neal’s Yard frankincense serum.  They offered me 20% off and I had just run out.

I heard on the news that the price of stamps was going up so I called in to our local post office and bought 12 first class and 24 second class for £21.96.  As I don’t use many stamps other than at Christmas I will now have them ready and at the old price.  I usually prefer to buy the Christmas design stamps for my cards but when you are on a pension needs must.  I will decorate the envelopes with some pretty rubber stamps instead.

And I confess to three magazines £10.99 Country homes came with Woman and Home as a deal and Simple Things – who can resist a bit of a spring fling and the ideas contained in them have sparked some creativity.

Total cost for putting away for a rainy day and keeping my furrows at bay: £419.14

Home and Garden purchases

I had no frivolous purchases this month for the house but as spring got underway a few replacement tools were needed for the garden – anvil loppers, secateurs and a very useful small hand fork for tight spaces.

Our one expensive impulsive purchase was the small corded Dyson – not a planned expense at all, bought more out of necessity from thinking ahead. Our Dyson at home is quite heavy now to manoeuvre and carry up and down the stairs, while the one we have at the caravan is so much lighter (the downside being that you have to empty it more often).  Presently you can still find old stock in the shops but soon both the corded vacs and the small lighter models will be obsolete.   Surprisingly, the exact same model we bought for the caravan in April 2017 with the insurance money was £50 cheaper and came with a larger selection of tools.

Total cost of a moments impulse replacing some cool tools : £340.32

Cards and Gifts

I had two special cards to buy this month – a 70th birthday and a Mother’s day card, for the rest of the birthdays I was using my old stock of bought cards so managed a bit of a saving here.  I bought mum a basket of plants £10 and spent another £40 for my friends 70th, a theatre voucher to share with his wife who will also be 70 in May.  They like going to see musicals so although this will not buy them a seat each it will go someway to the cost, or if they are hard up too she could sit on his knee!

Total costs to include a musical interlude £55.50

Crafts and Hobbies and Books

Crafts and hobbies don’t come cheap and knitting is one of them. I spent a whopping £15 on patterns – generally they seem to be £3 each in the shops – but I have now enough to keep me going a while.I like to be able to read the pattern before I buy it so I can tell if I might be able to understand most of it. The King Cole Cottonsoft wool for my next project came from Boyes and was a reasonable £12.30 for 3 balls.I came across some cotton lace for the Christening dress from Boyes £8.60 for quite a few metres. I bought two books on knitting for £7.99, a novel called The Bookseller for £8.99 and a much-needed road map of Great Britain £7 to replace our old one that was now so far out of date some of the new roads are not shown.  As we don’t have sat nav, a map is essential.

Total cost of my homespun hobbies and a : £63.87

Leisure and Entertainment

It seems that even though we have been here, there and everywhere during March we have not actually paid for any entertainment or leisure activities; they came free.

Total cost of a leisurely life – bingo a healthy: £0.00

Eating Out

The most disastrous month so far this year and not because I had eased up on the packed lunches.  If I break the figures down it has been a heavy month because we saw my mum at the beginning and end of March and even though we packed picnics on our days out we still managed a whopping £120.49 in the tea shops and cafes and buying a meal in Saltburn on our last visit in lieu of a Mothering Sunday lunch.  But how can I begrudge her a little enjoyment.

We also had the extra expense of eating out for the day in Leeds when we attended the financial seminars – although the seminars were free the food needed to keep us going all day was not!  So with other drinks out over the month we managed to hit £63.

Total cost for stuffing ourselves: £193.12

Clothing and Footwear

I have done even better than I thought in this category and spent hardly anything. I bought two more long-sleeved t-shirts, one white and one black, they are so versatile and I had to buy them before they disappeared off the rail and replaced with the summer short-sleeved ones but that was all I bought.

Total cost for a modest attire: £17.00

It is interesting how what you do through a month reflects on how much you spend.  Having a visit to Scotland, and visits to see my mum and younger daughter are expensive trips – not only getting there (fuel costs) but eating out during that time.

I notice too that the weather has some bearing on expenditure – now the sun is shining the garden needs maintenance and gardening like crafts are not cheap pastimes.  Any outlay now should set us up for the year, or will it?

So I will endeavor to muddle through another month – I know April is going to be harder to keep a tight grasp on the old purse strings as we approach Easter and a family party at the same time as well as numerous birthdays to cope with.

Anyone wishing to read the previous monthly tallies click below

January tally

February tally

crEAting ~ simple Easter cards

Before I begin apologies for the photo quality – I was losing the light by the time I took the pictures.

If you remember from one of my previous posts (click here) I had covered a number of blank cards in a variety of pretty papers from my craft pile to try to use them up.   I set aside one or two to finish as Easter cards.  This time, rather than buy the preprinted ‘greetings’ labels, I made my own on the computer and printed them out onto some card.

If you want to make your own I use a Microsoft word document where you can select a text box, a font design and a suitable size of type for the card.  I then add a border around the greeting and once printed cut the labels out carefully, almost but not quite, to the border line leaving a small white edging.

I selected colours to match in with the prints and used different typefaces.  I also added a ribbon decoration to some of the cards to finish them. Extremely simple and easy to make but I quite like the simplicity.I was then left with these little card motifs in my craft box of embellishments… Cute little cut out Easter pictures… I am not even sure where they came from but I have had them for years now and they have escaped going into the give away box once or twice.  So this time it was either use them or lose them.

I stuck the rabbit, chicken and sheep onto the Easter egg shapes and then placed them onto a small square card blank.  There was no room to add a printed greeting so I decided to use my little alphabet stamps and just stamp straight onto the card.  There was no need to be too exact  – I actually like the lettering more when it is a bit wonky!Once dry I stuck the little motif in place and voila….…these little bits have now made four delightful little Easter cards for the children –  Libbie, Sweetie, Freddie and my great-nephew.On the back of each card I make I have a little stamp to say it is home-made.  This one is my favourite from Vista print and given to me by my daughter one birthday, but I do have some rubber stamps too.Remember the birthday card made from a piece of decorative packaging I found – it may have been an old Panettone box from Christmas or something – I followed the design and embellished it with some of those stick on jewels in golds and rich purple colours. As well as stamping on the back of the card I often make a printed slip for the inside with a message.  I think it gives a more finished look to a card and although I didn’t have time for this one, as I had to get it in the post, they do look lovely if you add a print too using a rubber stamp.So even if you do not have any expensive equipment you can make some really simple cards using any decorative paper or card, a Pritt stick, some double-sided tape and a sharp knife.  If you do not have a printer you can buy sheets of greetings labels; but equally you could get a rubber stamp and stamp onto some plain card and then add a border and cut out.

I am enjoying doing a few more creative things when I have the time and it does reduce the mountain of crafty bits and pieces I have been storing all these years  – I was thinking of getting rid of some of it but that seemed a shame when in an afternoon I can make something useful.  I like the challenge of creating something from very little so I think my next project will be using up scraps from junk mail, magazines and even the decorative parts of the inside of an envelope to make some cards.

 

A day spent creatively sticking and stamping.  x

 

 

 

 

 

 

dEAr diary ~ a day of ideas

Hello there – it seems a while since I was here in my little space and I can’t even remember now where I have got to so apologies if what I say here has already been said once.

You might have guessed I have been busy – what’s new!

We had a weekend at home and to ourselves – if I remember we were both in the garden and I also did a few more cards – but more about that later.

This week began with our usual shopping trip on Monday, first into town for a few bits and pieces and then round to the big Sainsbury’s on the ring road for the weekly food shopping.  I say bits and pieces which they were individually but the cost collectively was surprisingly a bit much for one day.

I went to Primark first to look at jackets.  I have a brilliant hooded jacket I bought from Primark for £6 in 2004 when we bought the cottage.  It is so useful in the garden in Scotland – an all-weather coat – it has a light waterproof nylon fabric on the outside, so no bits of vegetation or the like sticks to me, with a warm fleece lining and the hood is small so doesn’t blow off with the first puff of wind – absolutely necessary when you live by the sea.  It is still going strong after many washes.

The reason I want to find a similar jacket is because I have recently taken to bringing it back down home with me to wear in the garden here but I know the day will come when I will forget to pack it when we go up to the cottage and so I thought it would be a good item to duplicate.  I looked in the ladies section of Primark but their lightweight duvet style jackets have no hoods and are very fitted; then just as we were leaving I noticed the men’s display ah ha …idea….I went to the men’s section and they had a perfect one with a hood and just a little bit more roomy which is much better for gardening.  I came away with the extra small but I will need to go back and change it for the small size for a little bit more ease so I can wear a thick jumper underneath should I need to!   Cost – a cosy £15

Then across to Wilkos to look in the gardening section for Tomato food to feed both the bulbs and the tomatoes (when I get them sown) – it was much cheaper here than anywhere else at £3.25. White DicentraOn the way I noticed (as you do) a white Dicentra for £2 hung in the packaged bulbs display – I was tempted as I have wanted one for the garden at home for a long time but in the garden centre the plants are £10 which I thought a bit steep.  I bought one and have planted it in the garden but I am doubtful about it growing as it just looked like a bag full of dry peat but I thought for the price I would give it a go – I also treated myself to a white indoor plant pot for £2.Before leaving the store I had a rummage in the crafts section as they have a lovely range of inexpensive Easter crafts to keep the kids busy. I came across these garden signs for £2 which will be useful for the Easter egg hunt we intend to do for the children at the party on Easter Sunday, weather permitting of course and, for Libbie, a sew your own felt chicken Easter basket £1.50.

I then popped into the Works as I had a £0.50p voucher and wanted to buy some polystyrene eggs  – ten for £0.50p with the voucher – I have an idea to cover them in printed tissue papers for Easter decorations for the party.  It goes against the grain to buy polystyrene but I will be keeping them for a long time to reuse – had I got more time I would have done some hand painted real eggs – but that will be another year.  I also bought a pack of stronger dowels to attach the garden signs to for £1.  The bamboo basket in the photo above was a great find in Sainsbury’s for £2.50.

The final stop was one of our local independent whole food / health shops – I often alternate between the two as I like them both and would hate to see either of them close down.  I prefer them to Holland and Barret as they sell more organic foods and are often cheaper.  Here I bought Almond oil which I use as a face cleanser and for massage, my high dose Solgar Vitamin D capsules, some Omega 3 oils and two packs of Kalo tomato stock cubes for the soup and to add flavour to rice – a grand ‘sit down’ total of £39.03.

The food shopping was pretty normal and came in a bit cheaper than usual at £52.38 this included a few extra salad bits and some nice breads for the lunch I prepared today for my sister and brother-in-law when they called in on their way up north.

I made sure to carefully whiz past the clothes and magazines – but I did buy these.I bought myself one for my desk at the beginning of the year and I love it (see here).  Now you might be wondering what I would want with five more calendars that are all for this year especially now we are in April…..well I had another idea ( I think they must have put something in the water recently!!)…. Sainsbury’s had reduced them down to £2.10 and the metal stands which are gold or black are very sturdy and allow you to remove each calendar page by unscrewing the little nuts – my idea is to keep the stands and attach my own version of next years calendars using photos DH and I take throughout the year and give them as presents to my friends at Christmas.

It could well be a gift that keeps on giving because you can use the stands over and over again so in following years I could keep giving a new set of calendar pages to  my friends to fix onto their stands.  Each year I might choose photos of a different theme such as seaside, towns, gardens etc.

Did I mention last week I bought this cardboard Peter Rabbit egg from an old-fashioned sweet shop in Saltburn.  I then bought a £1 Cadbury’s chocolate Easter egg and my idea is to remove the wrapper and decorate with little iced flowers and Libbies name to put inside.  If the chocolate egg is in two halves then I will put some of those tiny shell coated eggs inside.Easter EggSo as you can see I am full of ideas – oh and they don’t stop there  – oh no – nothing that simple – somehow I am now doing the 40th birthday cake for my SIL’s (son in-law) party on Easter Sunday …..mmmm…how did that happen…..retirement – exactly what is that??

A day of dazzling ideas and bargain buys. x

Before I go welcome to my new followers.  I will be back with more on my craft cards, the March Tally, the cottage update and a host of other things.

 

fEAsible ~ April intentions

What a lovely month April is – like a bridge between winter being well behind us and the promise of a warm and sunny summer to come.

As we are already six days into the month and we have a family party coming up on Easter Sunday me thinks my intentions this month will have to be limited and swiftly executed.

sEAsons

Another season upon us and another time of celebration coming up with Easter being near to the end of the month…a time for swapping a few decorations and accessories around in the house; putting away woolly hats, gloves and scarfs (I keep trying and then have had to bring them out again) and a few winter ornaments and bringing out something more colourful that reflects this season more.   I have in mind to do some Easter decor this year as it looks so pretty in the magazines; a twiggy branch maybe with painted or decorated Easter eggs and a host of flowers.  I have ideas (then I always have ideas – just not the time!).

crEAting

I really must complete the little hooded jumper I started before Sweetie has grown out of it, and she is growing fast (nicknamed pudding for the moment, but not in earshot).

  I have in mind to do some more cards and finish the Easter cards I started.  I am going to try to print my own Easter greetings to stick on this time as I have not found anything appropriate in the shops.    I only send a few out to family that I know look forward to receiving them and one or two friends that I like to keep in contact with more than just a card at Christmas.

My next big project will be to make some progress on the Christening gown for Sweetie.  I have some ideas for the design – my daughter would like it to be similar to our traditional vintage family gown and we have already bought the cotton lace, I just need to find some fabric and cut a pattern.

fEAsting

I am assuming that by the end of April we will be enjoying salad once again and some lighter meals.  I have put on a few pounds recently over the winter months and I am ever hopeful that they will drop off once we are not eating the calorie dense winter foods.  That is my theory anyway…if the change of diet doesn’t work I shall have to do something more drastic.  I have already swapped back to the fat-free yoghurt for breakfast and soon with a change of menu we will be eating fewer potatoes and starchy veg.

Don’t ask me how (it wasn’t exactly at gun point) but I find that I have agreed to hold my SIL’s 40th birthday celebrations at our house as theirs is even smaller (and if you remember has all new cream carpets laid!).   It will be mostly family… approx 20 people but even so I shall need to make the house and garden presentable, not perfect …it would never be that, but presentable.   My daughter is going to order most of the buffet food from M&S, because I cannot guarantee that our oven would be working, and MIL is chipping in with pies and scotch eggs.  I may have mentioned before that sometimes my oven heats up and sometimes it doesn’t but certainly is not reliable enough to cope with getting food cooked on time for a party.  His birthday coincides with Easter Sunday so we will be doing an Easter egg hunt too for the grandchildren, and nephew.

It is looking like the new pantry is going to be put on hold yet again!

homestEAd

At least with the appearance of Spring I can escape into the garden for a while to release the stress.  I have a few new plants to put in that I bought with my voucher.  There are a few gaps to fill in and I would like to add a little more colour.   I have seeds to sow too, tomatoes and courgettes, hopefully this weekend.  If the weather is right I will also be treating the lawns with some feed and weed; for one reason or another we didn’t get it done last year.

clEAn and lEAn

DH, under careful supervision, will be getting underway with the outdoor spring clean and painting the front door (in time for the party) …. and if it has dried out the new shed. Meanwhile I will be having a thorough clean in the main rooms, tracking down cobwebs and wiping down the woodwork to freshen the place up ready for the party.  Last month I had begun clearing and cleaning the office but that will have to wait now as no-one will be going in there – I will just do that old trick of closing the door.

mEAndering

Looking at our agenda for the month I think there will be little time for any trips so our Scottish visit will now have to wait until after Easter as I really don’t feel I can squeeze too much in.  My sister is away again next week so I may be called upon to go up and see mum for a day or two as she is not getting out by herself now other than across the road to the little shop for her paper and the Deli for a morning coffee.  Last Saturday while we were up in North Yorkshire at my daughters we took her out to Saltburn for lunch and Sandsend for a drink and a Yorkshire curd tart (they were delicious) and she was so grateful to get out for a while.  We had a lovely day.

Most importantly I have to look for suitable fabric for the Christening dress – Fabric shops are rare now but there are places in Bradford and Harrogate so we will treat it as a nice day out at the same time and see where we end up.

hEAlth

During the time I am at home I have in mind to give myself a bit of a spring clean with a juice detox for a day followed by a brown rice and vegetable diet for a few days as this is very cleansing and full of vitamins and minerals.  My system feels a bit sluggish after the winter.

I will be keeping up with the Yoga, it has proved beneficial and I intend to do extra sessions at home.

trEAsury

No big plans for this month other than to mind the spending and buy nothing that is not a considered purchase.  DH has already been doing some utility switching with the fuel companies; he has also been preparing to leave BT when the contract ends in May.  We have been looking at a new company with a good customer service record.  It is not the cheapest but sounds reliable and is far cheaper than BT can offer us to renew.

We will be seeing the financial advisor after which we can make some serious headway with investing the money we have saved towards our retirement and make decisions about the cottage.

Meanwhile we are still working out ways to save as much money as we can or should I say ways to spend less money.  I will talk more about this more on my March tally post.

 

So that is my list of intentions for April – it is always interesting for me to see what I managed to accomplish at the end when I look back over the month.  I keep trying not to pack too much in and keep a balance of rest and play but then find I am caught up in other people’s agendas…. but when it is family that need a helping hand I do like to help out where I can.

How are your plans going?