Tag: budgeting

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treasury ~ food budgeting

Like HM treasury, I have to maintain control over our spending. Keeping within a budget with the weekly food shop has become increasingly difficult. Avoiding waste is a must. I think most people have their preferred places to shop and mine is Sainsbury’s – they have the best range of organic foods in our area for both fresh fruit and veg and they have their own range of organic groceries too like lentils, beans, milk, cheese and pasta, and also stock other brands. We don’t have any farmer’s markets nearby for the fruit and veg, so that is not an option for us.

I use the self scan shop on my mobile app to take advantage of all the personal offers that are tailored to what we normally buy. I also collect the personal extra Nectar points that, like the scan shop offers, change each week. Then there are the general store wide Nectar card reductions on items and you can also collect 1 Nectar point for every £1 spent. Unlike Tesco and some of the other supermarkets, there are never many yellow sticker items at Sainsbury’s, but often they are not things I would want to buy.

All these offers and points might seem small but over time do accumulate and save us a lot of money, not always on the total amount of the weekly shop because I buy multiples of the items when they are on offer, enough to make sure I won’t run out until they have the item on offer again. However, it does reduce the amount we spend on food over the year.

Just buying items only on offer (where possible) means we each have to make a list of our personal offers on the app and then check on other offers as we go down the aisles. At the moment we are waiting for the Alara muesli to come back on offer, DH has only one box left so it will be touch and go whether he can spin it out until the next offer appears on the shelf! We generally have a list of things we are running out of and of course there are some dairy items that we will always need to buy weekly like fresh milk and yoghurt and fruit and veg.

I always have an alternative in mind should we need something that is not on offer. So for instance, I buy the Plenish brand of organic almond milk in a carton. This is frequently on offer in the chiller fridges near the ordinary cow’s milk and it has a long enough date to buy 3 at once (I probably use just over one carton a week). If it is not on offer I know to go to the aisle where they have the longerlife milk cartons and same Plenish almond milk in the longlife version will usually be on offer when the fresh chiller one isn’t. This has an even longer date so I keep 3 of these to hand in the pantry and rather than buy a fresh one not on offer I will wait and use a long life one.

If one brand of organic butter (my preference is Yeo Valley) is not on offer when I need it I can usually find the Sainsbury’s organic version is. It may seem a strange way of shopping but it works for us and saves money whilst still be able to buy the food we like and the organic versions.

It is just a different way of shopping that I have learnt over time and I have a mental list of all the products we normally buy and as I trundle up and down the aisle with my trolley I am always on the look out for the red stickers on the shelf edge that indicates a product on offer. I am well tuned into spotting them a mile off!!

So down to the nitty gritty….

Yesterday’s food bill came to a total of £77.81 and I saved £20.15 from all the offers, plus I gained another 717 Nectar points (77 basic and then 640 in bonus points) which is about £3.58. My £77.81 bill was made up of mainly offers, but I did buy a birthday card, a packet of beetroot and some of the fruit that were not on offer.

Meanwhile, DH spent £55.32 on all his offers and the only items not on offer were the bread, 2 avocados, 3 Bramley apples, a pack of raspberries and a pear. His savings were £3.69. He also had a voucher for extra Nectar points on a £20 spend and in total 675 points worth £3.37.

Our total Nectar points at the moment are worth £80.97, once it reaches £100 I will use it to buy my groceries in Sainsbury’s and then transfer the £100 I would have used from my bank account into my savings account. If you get my drift.

My pantry is well stocked now and I know next week I might not be able to take advantage of certain items if they are on offer purely because we won’t need them for a while. The cheese was on a personal offer and will be grated and put in the freezer.

So now it is a matter of getting it all prepared and cooked. DH made a batch of tomato and red pepper soup with those leftover from last week’s shop, one will go in the freezer for later.

DH has, over the last few years, taken over a vast amount of the cooking. He is a whizz at making nutloaf, lentil curry, or ratatouille, but he tends to make the things he knows and not try new recipes. That is down to me and something I need to get to grips with. I have 2 or 3 folders full of tear out recipes from magazines, and it is my intention to try them out – the ones that we don’t like I can then throw away.

Generally, we have very little ultra-processed food, but avoiding processed food is a different challenge. By processed this would include bread, pastry based meals, cereal or cheese as they are all in an altered ‘processed state’.

Luckily, there is always room for improvements in any diet and these are best done a little at a time, mainly by either doing a food swap or learning to go without.

After doing quite a bit of research and listening to some of the doctors and researches on You Tube (this can be good or bad – I think there are so many opposing ideas of a healthy diet and claims that are not founded on gold standard research) both DH and I have come to the conclusion that we need to lower our carbohydrate intake of bread, potatoes, pasta and brown rice and increase our protein intake and dark green veg.

I have found that listening to the practicing GP Doctor David Unwin quite enlightening. He has helped many of his own patients reverse their type 2 diabetes as well as his own. His own story is very interesting and the reason he is very keen on a low carb diet.

This is the interview with Dr Chatergee another prominent doctor fighting to promote healthier living.

For a while now I have been close to the limit, but not quite crossed the line for type 2 diabetes with my HA1C level which should be in the range of 18.0 to 41.0. Mine is currently 39.0 a tiny shift from the previous 40 and what my doctor terms pre-pre diabetic. I was quite shocked at this result as I am not overweight and I prefer savoury foods to sweet, hardly ever eat cakes or add sugar to anything. So rather than wait until it gets any worse I am taking action now and trying out this low carb diet to see if my HA1C level improves.

We have already implemented some of the suggestions. We only have a small amount of brown rice now (about 1-2 tablespoons each) with our curry and instead have it with a good helping of green beans.

Most days we have a large pot of homemade soup on the go and depending on which soup it is we will throw in chickpeas, red lentils, edame or cannellini beans for added protein and fibre. We have cut down to one slice of bread with our soup and will probably cut it out altogether soon. Instead we have a small salad of watercress, little gem lettuce, tomatoes, beetroot and sometimes coleslaw with it. We might also add a small chunk of cheese.

Not eating fish or meat makes the protein side of things more difficult for vegetarians. You have to eat far more plant protein to equal meat. We already have a fair amount of pulses and beans and I would not want to increase the amount of cheese we eat so I will probably be looking to make more nut and egg dishes.

We made an effort to reduce any snacks and have cut out packets of crisps altogether – I no longer go down that aisle at all. I have bought some cashew nuts instead, but they are a bit moreish. Neither of us liked the seaweed thins my SIL recommended as an alternative snack – she will be getting the rest of the unopened packs when I see her.

We have reduced the biscuits to one pack a week, but we might only eat half now. I am fortunate in not having a sweet tooth but I do like the occasional biscuit with a cup of tea, especially when we are outside gardening – that old saying a drink is too wet without one. I tend to buy the dark chocolate Petit Beurre or the Bahlsen Leibniz, whichever is on offer. Sometimes we will have a couple of crackers (Carrs melts) instead with nut butter as a snack.

We have been following this new regime now for 2 or 3 weeks – so early days. DH is really up for the challenge and is beginning to try new recipes that I find and think of alternatives; we have not felt the least bit hungry or missing the snacks of crisps. I expect the extra protein is keeping us fuller longer.

I have even unboxed the spiraliser I bought last summer and have not used yet and found a nice handy place for it in the kitchen cupboard. I can make a vegetable spaghetti amongst other things.

There are a number of recipes I want to try. I saw on Pinterest one for red lentil and herb flatbreads (no flour, so no gluten) and another making a quiche within a crisp potato base rather than pastry.

So small changes and I am hoping better health.

As requested I will post the mushroom soup recipe (it is rather flexible though, we often don’t make it to the exact recipe).

I will also post the Lentil and Mushroom bake. It is one of those dishes like curry that can gain in flavour overnight.

To answer Sue’s comment about the mushrooms – it will be the mushrooms that give the dish flavour, so something like red peppers, courgette, feta cheese, tomatoes or walnuts. If it is just the actual mushrooms you don’t like you could add a tiny bit of mushroom stock for flavour.

I am just going to flick through some recipes now to make a menu plan. I will only try one new recipe each week as time is quite valuable at the moment and once this cold spell is over we will no doubt want to focus on the garden again.

I know many bloggers are looking to alter or modify their diets, especially when it comes to ultra-processed foods and gluten free. What a shame the NHS is always many years behind the research. Practising preventative medicine, by altering your lifestyle and diet, is so much better than fire fighting conditions with medication like statins and diabetic tablets.

Have a good weekend, back soon. x

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seasons ~ hibernation over…

The end of another month that has gone like lightening for me. I feel like I went to sleep at the end of January and have woken up in March.

There is a definite feeling now when I go outdoors that everything is slowly waking up. We are much slower to rouse here than in most of the country at an elevated 700′ (the Pennine moors above us are around 1480′). Amidst this continuous rain and drizzle we have had a few dry days – not enough to go out into the garden for any length of time, but here and there I spy signs of emerging shoots and the little buds on the trees are starting to grow and unfurl. The nights are drawing out and the mornings are becoming lighter so much earlier.

And occasionally we have sunshine streaming through the sides of our blinds.

My hibernation period is definitely over, spring is here and I am raring to go.

Let the spring cleaning and clearing out begin.

Yesterday I had to wait in for a parcel so I thought it was a good idea to clean the kitchen / dining room and sweep away the cobwebs (literally!).

I used the long handled duster to reach around the the top of the walls and wiped down all the tops and fronts of the cupboards. The china cupboard gleams again after thoroughly cleaning the glass with white vinegar, the worksurfaces are clear of those bits and bobs that accumulate and even the chair legs, the lampshade and the radiator have had a wipe over.

After cleaning the floor – I am still an old fashioned down on my knees girl to wash the floor – I decided not to make a start on the insides of the cupboards as these may need a declutter and I was all out of decision making by lunchtime, but the kitchen and dining room felt fresh and clean.

I have been trying to keep my ‘3 item’ task list going and it is helping me to get some of those small, stubborn jobs completed. Often they are just little jobs that hardly take any time at all and when they are done I wonder why it has taken me so long to do them. This week I had an old clip frame to drop off at the village charity shop, two pictures to put back on the dining room wall and my pension contribution request form to complete and post to the People’s Pension. I did all three in one day.

Now all three have been given a generous tick in my planner I can choose my next three. I am not always able to set and complete them daily or even weekly as it very much depends on what the task is, but so far I have managed to keep them rolling along.

My next 3 items are:-

  • List my old pattern grading books for sale on Ebay
  • Shred the remaining old receipts
  • Finish labelling the photo box tab dividers

Originally, last month was going to be about improving our diet and fitness levels, but I decided I really needed to continue with the paperwork and budget.

February was a short month and was interupted with our holiday and then the week we were back at home was exceptionally busy. I had to travel up to mum’s for her social services assessment, have my MRI scan in Leeds, visit our new dentist to discuss the dental treatment I require and then our car broke down big time only 3 miles from home when we had two of the grandchildren in the back for a day out (the day out became a disappointing wait for the recovery vehicle to take us back home).

So not a lot of the financial overhaul got done and I find myself at the beginning of another month and there are still a number of financial things I need to address –

  • a new passport each
  • updating our wills
  • making an LPA each
  • using any remaining ISA allowance before the end of this tax year
  • making another pension contribution
  • setting the spending budget

Quite a list.

I have made a start on the pension contribution.

You might be wondering why I am making pension contributions when I am retired….I will explain. (For those of you reading from across the pond and in far away countries this will perhaps not mean very much to you).

When I retired from my job in 2018 the workplace pension scheme had only just been implemented at the company I worked for. The workplace pension is like a private pension where the employee and employer both pay a percentage of your monthly earnings into the scheme. As it had only been running for just over a year it had only accumulated the grand total of £390 on leaving work! So small I almost forgot about it. It would never have given me a pension and being such a small amount I decided to just leave it in the fund as I was able to manage adequately on the state pension.

After a year I noticed it had grown to £490 and then I found out that you are able to continue paying a maximum of £2880 a year into these funds until age 75. Of course, my employer had ceased to pay into it when I left, however, the money I have contributed myself since then is growing steadily and has become quite a nice little nest egg which I could draw on should I need it in future.

The advantage of making these contributions is that the government also contribute. If you pay in £2880, they give you £720, which makes it up to £3,600. Where else these days could you get £720 interest on £2880 worth of savings. It is one of the best decisions I have ever made and I always make sure we save as much as we can to do this each year. Knowing how much my mum’s care costs are it seems prudent to try and save towards our own future care costs, should we need them.

The down side is that you cannot just deposit this money into the fund without completing the form on the People’s Pension website and waiting for them to give the go ahead. Still for a free £720 a year it is well worth the hassle and a better return than the present interest on an ISA savings account.

Isn’t the first rule of budgeting to put money aside for savings first, then spend the rest?

Once the savings have been siphoned off, planning how to spend the monthly income wisely needs a lot of consideration. Some of the household bills we pay now are increasing year on year such as council tax, water charges, utilities, broadband and insurances – all things we need to pay and have little control over. You cannot shop around for the best council tax or water deal!

Reducing the bills can be a bit of a full time occupation these days and DH is in charge of researching the best insurance, utilities and broadband.

He does a great job. We don’t necessarily always go with the cheapest, often it is the best value and he always looks at their customer service record for problem sorting. He will ring up and haggle too if need be. Sometimes it works and we don’t have to keep swapping and changing companies just in order to pay less.

Where we can we aim to cut down on water use and heating, though this long cold winter, and the very dry summer last year has already made that difficult. We placed metallic sheets behind the radiators, used draught stoppers on the doors and have 2 water butts in the garden (but they soon ran out before we had any serious rain). Still there is always room for improvement.

After we have put some money into savings and paid the bills the residual income has to stretch to cover our food, clothes, gifts, medical and health, hobbies, leisure, travel, xmas and holidays.

Often it is a stretch, but cutting back on waste, overspending and impulse buying can save more money than just taking advantage of offers or coupons, especially if those offers are for something you hadn’t thought of buying in the first place! The internet is a very tempting place full of sales and discounts that land in your inbox and it is so easy to add on a few extra items to get free postage.

As my word for the year is restore and reset I am taking the time to overhaul our spending habits, identifying the waste and overspending and looking at what works well for us.

I have a pantry full of food, a craft room full of craft supplies, a greenhouse full of empty pots and packets of seeds and a wardrobe full of clothes all waiting to be used. I do need to take stock, reduce the waste and make better use of what we already have – so using up and turning what I already have into something usable is high on the list. Selling some unwanted items might be on the cards too.

I will no doubt be sharing more on my progress in future posts.

Thank you for reading, back soon x

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treasury ~ miss moneythrift

I hadn’t intended to have a blog break, but I have been busy and haven’t really wanted to stop the momentum by blogging about it. So the days have been a flurry of activity, but the long, cold evenings have been a welcome rest and snuggled under my throw I have taken to watching Bleak House and marvelling at Charles Dickens, such a wonderful story teller, inspired by real life, and in particular the names he gives to his characters – Guppy of Kenge and Carboy (you couldn’t make it up so well as Dickens did), Miss Flite, Lady Dedlock, Krook and Smallweed; all their names suit their characters.

So at present, I am thinking of myself as Miss Moneythrift as it is that time of year to overhaul the financial situation here.

Many moons ago, I decided to plan each month of the year around one aspect of my life and it went something like this – January Finances, February Health and so on…. as I remember it worked very well for the first few months but fizzled out towards the second half of the year, but the more important things were covered. A whole year is a lot to plan for at once so, after a lot of thought recently, I decided I would split the year into 4 quarters so that my plans only stretch to cover the first 3 months and I would combine this with focussing on one aspect.

The first being finances.

I have at last documented all the receipts for December that didn’t get done before Christmas, balanced the statements and paid any outstanding bills – there are few of those now as most things are on direct debit. Thankfully, I am left with a healthy balance and as the advice of Mr Micawber in Dickens David Copperfield – “Annual income twenty pounds, annual expenditure nineteen [shillings] and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery”.

Once all the savings interest is updated I shall be able to run the year end reports that will tell me exactly where we spent our money and what our passive income is. I can then adjust our budget for this year, although I will probably break some of this down into 3 month periods too.

I can already see that we managed to get through Christmas without breaking the bank, but…and there is always a but, this is a heavy month for us with the cars – insurance, car tax, MOT and servicing all to be done in January. To cope with this I save a little towards it each month in our bill account throughout the previous year.

As January is also a long month for the housekeeping money I have been grocery shopping at home (rather than going for our weekly shop at the supermarket). The pantry is well stocked since before Christmas with dry, canned and packet foods, so a plentiful supply of ready cooked lentils and beans, coconut cream, passata, pasta and the like. We have been using these up together with the vegetables in the fridge. The freezer is also well stocked with bread and rolls to last us until our next shop so all we had to do this past week, to keep us going, was buy a few extra veg and some fruit for breakfast.

We were snowed in on Friday and had a treacherous walk to the village for milk, potatoes, carrots, broccoli and a courgette to top up. I also bought 2 bananas and a pack of raspberries – altogether it came to just under £10 but it will keep us going until Tuesday, our usual shopping day, and it means we have saved around £80 this week already.

As readers may know, we have for a long time always bought organic food and although it is much more expensive, we still prefer to do this and save money in other places.

There have been a few programs on TV last week about the food we eat. One of them comparing how much of our income is spent of food now to in the 70’s. I was quite shocked to find it is substantially less. In the seventies it would be on average 30% of our income and now only around 11%, this isn’t a reflection on the price of food either but the choice of food – low quality, highly and ultra processed with cheap ingredients, or even no recognisable ingredients like in Pot Noodles and strawberry smoothie.

I decided a long time ago that I would only buy quality food, those that have the least processing and without lethal preservatives or pesticides and grown in naturally fertilised soil – it made sense to me as it is something we are eating 3 or more times a day and should be a pleasureable part of life. So if you were reading my blog for any frugal tips around food, then it will not be about skimping on quality.

Where I do save money is by only buying groceries when on offer and stocking up with them if the dates are suitable. If there are vegetables on offer we buy extra and make soup and stews and alter the weekly menu to suit. We minimise waste by cooking only what we can eat to ensure an empty plate and keeping any of the tougher parts of a vegetable, like broccoli stalks, to add to the soups we make, so nothing is wasted.

In and amongst the adding up and balancing bank statements I have been doing a bit of house clearing whilst it has been too cold to go for any long walks, and now there is a nice little pile to leave our house – bags for the charity shop, recycle and a few items to return to friends and daughters.

I spent a whole day in our craft room cum office sorting out paper. It mounts up quickly and every so often I need to tame the pile. I think this year I have not used very many of the craft papers for cards, but aquirred more from somewhere (though I think it breeds secretly when I am in bed!). I really need to get down to some crafting and sewing, but I know it will not be this week as we have mum’s celebration party next weekend and Master Freddie’s party the weekend after. There is also the cost of mum’s celebration to take into account as well as two major presents….could be bread and jam for the rest of the month!!

Inbetween, we have hair and dental appointments (more expense) and the car is booked in today for the MOT and service…and of course it is the bigger of the two services (they alternate yearly) this year, which is always an extra £100 on top – lets hope they don’t find any fault to remedy as well.

I will leave you now as I continue my hunt for a suitable birthday card with 100 on it.

Have a good week,

Back soon x

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treasury >> financial times part 1

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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