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fEAsible ~ plans for October

October

October –  the beginning of the fourth and final quarter of the year.  So much colour and texture about this month and I had great fun foraging about in the hedgerows collecting foliage.

For me it is a bit of the lull before the storm, the storm being the ‘frenzy’ that sets in around November with the countdown to Christmas.  I want to make the most of this month to prepare for the ‘frenzy’ or at least try to keep the frenzy at bay by putting plans in place early.

Like most people now I am drawing the blinds and curtains early against the darker evenings and struggling with the darker mornings but at least I can look forward to some cosy evenings watching one or two of the new Autumn dramas on TV and a black and white film or two on the Talking Pictures channel.

As the garden will be demanding less and less of my attention once the tidying up is done I am going to use my time indoors to carry on with the major decluttering and creating a better run, more spacious household.

I will be pulling out a few new seasonal recipes to try, and hopefully finding lots of inspiration and ideas to fill both my sketchbook and Christmas notebook, and planning, planning, planning.

It is only 31 days so I will have to work fast on my intentions for this month as there is so much I would like to do. This is the list:-

appEArance

I have been so busy during the summer I feel I have neglected myself . So I have booked a reflexology session and back massage with a voucher I have been given,  a hair appointment and I will treat myself to a DIY home facial, pedicure and manicure

Put the finishing touches to my new streamlined winter wardrobe.

crEAting

Now I am no longer working I want to use some of my new-found time filling my sketchbook with ideas and drawings and creating a lino cut for my Christmas card as well as making my Christmas gifts

mEAandering

The Artists book fair in Manchester is back at a new venue – a brilliant event.

I also intend getting out and about locally exploring nearby places closer to home

fEAsting

Meal planning using seasonal vegetables and trying some new supper recipes.  Baking with the last of our home grown apples and buying the ingredients for my Christmas cake in readiness for next month

homestEAd

completing the house exterior, putting new shed in place and planting bulbs

rEAarranging and nEAtening

decluttering the kitchen – the final touches

recycle, reuse, reduce, recover, repair

trEAsury

Dealing with the limited cash flow, maintaining plenty of no spend days and finding free events and outings

managEAble

Starting a new notebook specifically for my Xmas plans and ideas

(thanks to Slamseys Journal for the idea of using the foliage I had collected for my October picture).

 

 

 

 

 

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fEAsible ~ September review

Well September seemed a short month I cannot believe it is over so quickly.  I set my intentions at the beginning of the month – (I find it helps to make a list of what I would like to do in the coming month) – not everything gets done and I don’t always do what I intended – the review helps me to realise that I did actually do something!

sEAsons

As summer moved briskly into autumn it was time to switch over my clothes.  I carefully laundered and packed away the lightweight garments for next year discarding anything that was very worn or in some cases hardly worn at all because they were those inevitable mistake purchases.

I completely emptied and cleaned out the wardrobe and drawers to reorganise the space.   A lot of old favourites put back out on the rail and a few more items relegated to the charity bag – the mistakes from last year!

The finished result is so much better – filled with nice warm snuggly clothes to see me through the winter season – a much simplified collection with space to breathe.  One or two items are still held in that state of temporary pondering whether they stay or go.

homestEAd

Do you have projects  that just seem to rumble on and on  – dealing with the exterior of our house has been one of them and it has taken up most of this year but at last I think we are looking at being watertight this winter.  The rendering of the top half of our house was quite a major job and although the men worked hard and have done a good job there was such a lot of tidying up to do, much more than we anticipated.  The pebble gravel round the house needs taking up, cleaning and putting back down again to get rid of the bits of render that fell into it despite the protective sheet the contractor put down.

Before our trip to Scotland DH was busy washing down the remaining brickwork beneath to remove the tiny splashes of render and re-staining all the windows.  Then he put back the burglar alarm and outside light.  The shed is on order at last, as space is a bit restricted we cannot have one more than 4 feet wide but we have ordered one that is an extra foot long – seven feet instead of the usual six.  It is only an extra foot but sometimes that can make all the difference.

Once the gravel is cleaned the shed should be ready for delivery and by then the compost bins will be back in place (I have so much missed using my compost bins).  All that is left on the exterior list then is to get a new front door and garage door and hire a contractor to redo the driveway.

Then the outside of our house will have had a complete makeover.

mEAndering

I could have spent the whole of September meandering – so many events to choose from and by chance we happened to be in Scotland for the Wigtown Book Fair (post about this to come) some very creative artists on show at the fringe events and an exhibition of miniature books.

Over the Heritage weekend we visited the little chapel in Matlock Dale (you can read about it here) – one of the best days, we really enjoyed it and especially finding the surprise tea room in the woods afterwards.

nEAtening

I love a good declutter, the planning, the cleaning, the clearing and creating more space so I started this job in the kitchen with a burst of enthusiasm.  I have been reordering and moving around, trying to simplify the cupboards so everything is within easy reach and flows better.  I often find that once you start the clearing process and letting things go it is easier to let more go.

I have been using up a lot of the food from the clear out and my food cupboards will soon look like Mother Hubbards.  I don’t plan to restock with any ‘just in case’ food as it was obvious we weren’t using it, maybe keep a tin of beans and a tin of fruit in case of emergencies other than that it will be the usual pantry goods to make a meal or drink; dried pasta, flour, sugar, cereal, coffee and teabags and jars of jam,  sauce, chutney and oil for dressing and cooking etc.

crEAting

In terms of crafting I have ideas but not produced anything substantial yet.  I plan to earmark a day a week to do nothing else and build on that. Autumn is a great time for inspiration and I have collected a few nature bits to sketch and maybe use these to turn into a lino cut.

fEAsting

Sadly my home-grown courgettes are just about finished – completely organic – we really enjoyed them.  This year I grew them from seed rather than buying plants – I had forgotten just how easy they are.

As the weather has become colder we are definitely on warmer meals.  I have been introducing a few more adventurous hot sandwich lunches and also made a start on reducing my recipe clippings – even thrown away a number from my folders that I know I won’t make or I have duplicates of.

rEAding

Plenty of bedtime reading this month.  Mainly on the theme of living simply and discarding.  I particularly love the little book called A Monk’s Guide to a Clean House and Mind – it is pure domestic simplicity. Another interesting book which I have had for years is Swimming with Piranha makes you Hungry by Colin Turner – a strange title maybe but full of valuable advice on simplifying. It is good to have a re-read of a book from time to time.

trEAsury

I had the intention during September that I would set out a new budget for our new circumstances.  The budget did not materialise even though it was a high priority on my list – some how I managed to ignore it as sorting out the house inside and out seemed to take over and I just never found the time.  But as you know I have plans for getting down to this and already I am implementing the daily task of recording our finances in the hope that little and often will stop it mounting up.

bEAching

The recent trip to Scotland to our cottage (caravan) was such a rejuvenating time.

We spent time on the beach…time in the garden…

and time out and about in Dunoon, Portpatrick and Wigtown and loved every minute.

In all September was a success for me – perhaps not doing exactly what I had planned and never doing enough, but I look back on the month with a feeling of satisfaction.

I am now working on my October intentions.

Back soon x

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trEAsury ~ simplifying money matters

As autumn is underway now and my world of paid work is but a distant memory I still feel I haven’t settled into any worthwhile routines or daily rhythms.  I suppose they take time to shape and develop, so I am going to give them a bit of a nudge and create some that are a bit more in step with my life now and reflect the simplified life I want to achieve.

You may have noticed over the years that I am hopeless at routines – evidenced by my erratic posts – I plan to do things then get absorbed in something else.

I did have a really good ‘getting to work’ routine – well I did have 19 years of practice – but I don’t need that now (the work routine not the practice of course).  In fact I could be tempted to sneak back to bed in the mornings – but I don’t.   Honest.

Since stopping work I find my mornings are spent doing a bit of this and that, checking emails, reading blog posts, tidying, ironing – but nothing consistent or that could be considered a routine.  I tend to agree with the idea that a good morning routine is the foundation of any successful day as well as starting early – unfortunately, I am no morning person either – so that will be challenging too.

One of the daily routines I am going to tag onto my morning routine, such as it is, will be a daily financial check so that I can keep a close eye on our spending.  As the effects of being on a limited income are now being felt I can vouch for the fact that a single *state pension alone does not go very far and the monthly bills soon eat their way into the bulk of it.  I need to take action so we don’t overspend and start drawing on our retirement fund.  I don’t intend to dip into that unless it is absolutely vital.

I read somewhere that you should take time each day to actively manage your wealth and set aside a further 30 minutes to an hour every week to review your budget and handle the associated paperwork mountain – statements, bills, insurance and utilities.  Now I have the time each day I plan to adopt this daily and weekly routine to help me to keep on track and highlight any areas I think we may be overspending.

I am also determined to simplify the process, it seems to take far too long and perhaps one of the reasons why I often put off doing it or just can’t find the time to sit down and do it.  And so it all builds up and then takes a long time to sort out.  I think little and often would be much better – it is worth a try – so during October this will be one of my main goals.

So, starting today, and first thing every morning I will get into the habit of overviewing my finances for ten minutes, noting the amount of cash at the start of the day and recording the previous day’s receipts and spending.  Each week I will then balance statements, pay bills and check the bank balances.

Well that is the plan and by starting small I might even succeed.  I must admit I quite like a financial challenge – in my teen years I was always good at managing my pocket-money and setting aside enough each week to buy all my relatives a present for Christmas – usually from the Co-op in the village where each year they had a wonderful display of bath salts and embroidered hankies – you know the kind of thing.

I must admit the stack of paperwork on my desk at home waiting for my return is a bit daunting almost as high as my ironing pile was a few weeks ago. I have been very inattentive to our finances since leaving work other than keeping in mind that I shouldn’t be spending as much as I was…on anything.  I should have set up a new budget by now more in keeping with our new income but confess I just haven’t got round to it.

After banging on the calculator for a few hours, adding, subtracting, dividing and multiplying the *state pension I decided is not going to go very far (no overtime available and not much chance of a pay rise!), and annoyingly paid every 4 weeks on a different day each month, so my conclusion is we need to conserve money where we can and be vigilant at recording and monitoring our spending and challenge ourselves to plenty of ‘no spend days’.

Today just happens to have been one of them.  We survived.

*I still can’t quite believe I am talking about a living on a pension (where did all those years go before this point).

 

 

 

 

 

 

 

 

 

 

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dEAr diary ~ enjoying the slower pace of life

It was sunny and dry for most of the day, the day before yesterday at least while we were in the garden – it has turned out that we picked a good few days after all to visit the cottage.  Thank goodness as there is so much to do in the garden and we are trying to take it slowly and sensibly to avoid an achy back.  I have areas to put to bed but also areas where I want to have a move around – plants that have outgrown their space or would be better in a different location.  When I started in this garden it was a case of getting anything in to cover the ground – well it has done that and more.  Everything here gets a bit oversized because of the mild climate.

I will be doing a garden update soon of our progress – perhaps a few before and after pictures if I can remember to take the ‘befores’!Bramley apples

The windfall apples are outside our gate now waiting for any takers – I am hoping people will come with large bags or big pockets as it would be a shame for them to go to waste.

Tuesday afternoon we had to drive in to town for more provisions and to swap the empty spare gas cylinder.  Living so far from the nearest town (15 miles) it is essential we have a backup in place.  The place we buy the gas is one of those places that sell all kinds of oddments and the guy was selling off bags of branded farmyard manure for the garden at £1 a bag – normally £4.  Bargain – so we bought 3 bags.

All though I never need an excuse to visit a stationery shop I had to buy a birthday card for my older brother (he is 70 at the weekend…blimey!) so I took  the opportunity to have a quick look in W H Smiths for a new notebook at the same time.  I could only find page a day diaries and they are expensive, but on buying the card I was given a voucher for 25% off a 2018-2019 diary.  It doesn’t really matter that the pages are dated I can ignore that if it makes buying a notebook cheaper.   I didn’t go back and buy one – I am taking a moment to think about it.

We stocked up again at the supermarket – all the ‘cheesy’ rolls had gone so we chose crusty baguettes instead and then found we couldn’t buy a small jar of mayonnaise other than in plastic – I prefer a glass jar and anything in a glass jar was the large size.  It can be difficult buying for two so must be virtually impossible for one.  None of the large hand cooked crisps were on offer either – so in the end being frugal we did without.

By tea time the weather had turned unexpectedly cooler with a little drizzle – so far this visit it has been good gardening weather, but that could all change overnight as I suspect it could easily become much colder.  I have noticed that over the last week the trees and hedges are all turning brown along the shore road where they face some quite strong winds.

We were glad to get back into the car to warm up and on the way back to the cottage we had a slight detour round to Portpatrick, a little harbour village that faces out into the Irish sea, just to sit and look out to sea for a while.  The wind had got a little stronger by now causing a big swell to the incoming tide; I love to see the frothy white waves rolling in and sending up a dramatic spray into the air as they crash against the rocks. Standing at this point to take a photo of the sea can be a bit treacherous – It is a really windy spot and the water on the floor is from the sea spray coming over the top of the large rocks on the left and at high tide can easily sweep you into the sea.  So I didn’t linger! Round the little harbour the Council have put a string of lights which are quite pretty – Portpatrick  is a well visited tourist place and a lot of money goes into its upkeep – much more than our little village where the council seem to only spend the bare minimum.

Yesterday (Wednesday) it was very overcast in the morning and we ached from too much gardening the day before (and old age of course) so feeling a bit rickety we allowed ourselves a day off to recover.  I quickly made some sandwiches with the crusty baguettes; filled with crumbly cheese and a dollop of chutney, added a small container of salad – no crisps or mayonnaise of course – a piece of sultana cake and a flask of hot chocolate.  Then we headed off round the bay to the Machars to the Wigtown Book Festival.

This is the best part of not having to go to work you get to decide what you want to do and when and you can make those snap decisions to just go out.

I will update you with photos from the event later. x