dear diary ~ always the unexpected

Well it is in my life!

I thought things were going too well but after the last few days I am resigned to thinkng that my life is never going to be simple or straightforward.

Last Sunday night we made an unexpected trip up to North Yorkshire to stay with my younger daughter and our two granddaughters, Little L and Sweetie, as she was in a fix. Her car had broken down the week before and it was still waiting inspection at the garage it had been recovered to. It wasn’t evident if it was the battery or the alternator or something else and the garage were fully booked with work for a fortnight. Last week she managed to borrow a car from a friend but that was not possible for this week so it fell to us to help out as she had the children to get to school and nursery and herself to work.

We stayed until Wednesday night when she managed to hire a car to get her through Thursday and today until the car is fixed, hopefully by clse of play tonight. Before we came back down home we drove up to see mum with flowers for her birthday which was yesterday – it was a nice surprise for her as she wasn’t expecting us even though we could only stay an hour. I never make firm plans for visiting her now as she gets confused over dates and times so I tend to tell her the night before a visit but in this case I didn’t even mention we might call just in case we couldn’t. My sister took her out for a meal yesterday to celebrate her 97th birthday.

I was telling Sweetie who is only four that great granny has now had the pleasure of 97 birthdays and very soon in 3 years time, fingers crossed, she might be celebrating one hundred – she was impressed and keeps asking her mum now when she will be 100 (Sweetie that is not great granny).

So back home again and we found it had been snowing whilst we were away and it is mighty cold – not good for the heating bills. On totting up the receipts for the four days away we had spent the grand sum of £110, mostly on bits and pieces and buying snacks and drinks out to keep us going as well as bits of shopping for evening meals and lunches. DH also did a few jobs around the house for my daughter – one of them was replacing the sealant around the kitchen worktop and along the bath – the price of a tube of sealant now is £9.80. As he has only used half the tube I suggested he replaced some of the sealant in our shower with what is left before it goes dry in the tube.

I was amazed at how the money adds up so quickly. We didn’t have time to fill a flask on the way up and I need a stop to give my back a break from sitting in the car so our first spend was the motorway Costa – £9.20 for two drinks and a packet of oat biscuits which we shared. On Monday our daughter was working around Northallerton all day so after dropping her off we had a look around the town and then went to Strikes garden centre cafe just outside the town centre for lunch but what a rip off. DH had the cheese and chutney sandwich which was served with coleslaw and side salad but his double espresso was charged as 2 @ £2.25 making it £4.50 (most places charge about 70p to £1 for the extra shot of coffee in a double).

I am not a sandwich fan and prefer baked potato with cheese. Their menu only had baked potato with Chicken Tikka or a Butternut Squash Curry filling and they were both £8.95 and more of a main meal. I had wanted something a bit lighter so enquired if they did a plain baked potato with just a little cheese and coleslaw. Yes, the lady said that was fine but when it came to paying they charged me for a Chicken Tikka and I pointed out I was having cheese and coleslaw but she said it would be the same price as the Chicken Tikka as they had no other price point to press on the till. So our light lunch cost a staggering £22.55 – needless to say we will not be going again.

I bought mum a lovely bunch of mixed colour tulips and stopped to get her a take out cappuccino and a lemon tart (her favourite) from a local Costa. Unfortunately, although I asked for a lemon tart and they had plenty and it said lemon tart on the receipt, when I took it out of the bag to give to mum it was a cherry bakewell! Still she enjoyed them.

Today it is little Freddie’s 4th birthday – so we will be going to see him with his card and present. He is super excited to be having a Paw Patrol party with a few friends on Sunday and now my younger daughter is mobile again she will bring Little L and Sweetie down to join in the party.

So I had better get my skates on to prepare for their arrival tomorrow – I have beds to make up and food to prepare. We are on rations now until next week as part of the £110 we just spent on our travels was really this week’s housekeeping, so I will have to be very creative to conjour up some satisfying meals from very little.

I am a little disappointed that all my plans for January have already gone off course and the money I had saved from being very careful and not spending money unless necessary has had to go on eating out. Let’s hope February proves to be a bit better.

Welcome to new readers – you will notice a lack of photos until normal life resumes, and apologies for not being able to join in with the Scraphappy Challenge for January.

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.

dear diary >> homekeeping

We had rain yesterday, quite a heavy down pour…..it was so welcome as our garden is like dust and it meant I didn’t have to water the planters for once, though I must remember to give the tomatoes and courgettes a liquid feed. Today it feels cool, but fresh, with a hint of Autumn, though I am not ready yet to relinquish the summer. My greenhouse is almost complete, the paint went on a dream – DH did two coats on the inside and three on the outside for good measure – we used Crown Superdec, the same as we painted the shed a few years ago, and it has worn well and best of all we bought it on offer at our local Crown store. I love the transformation and the contrast against the rougher pallet wood of the staging boards.

It is so good to be back home now and I have a great deal of homekeeping to catch up on…my bad back over the last 5 months has left my house in a sad and sorry state but at last I feel ready to begin to tackle it again…. in small quantities of course and bring back some order. I have been severely short of any routine recently and even the basics were not being done. Now our holiday is over I have time to gather my thoughts and start planning.

We did the supermarket shop yesterday so the larder is well stocked and it is a pleasure to walk into the pantry with a wonderful display of fruit and veg. I always tend to heed the words from Dominique Loreau’s book L’art de la Simplicite – how to live more with less when she says “seek only the best”….source the finest untreated produce, tasty fruit and really good bread.…and even better when you manage to find them at a reduced price. I can now turn yesterday’s little haul into some nutritious meals and fill the freezer with homemade fare over the next few days. If my menu for the week goes to plan then we are having Tuscan Bean casserole tonight with halloumi. Whilst the oven is on I intend to cook some pastry case bases for a quiche or two to freeze at the same time. If I mix up extra pastry I will make some lentil and mushroom pies to freeze tomorrow. I bought a punnet of mushrooms to make mushroom soup and two lots of celery to make celery soup and gained extra nectar points on both.

I had to buy new electric toothbrush heads….ouch – I used the last two before we went away and I like to keep some in stock. A pack of four Oral B heads are on offer in Sainsbury’s at the moment for £11, a saving of £5. These high priced items really bump up the shopping bill total so I tend to spread them out over the year and only buy them on offer. Water filter cartridges, soap powder and dishwasher tablets all fall into this category.

We have developed a good routine in the supermarket and whilst I scan the supermarket shelves for all the red sticker offers and items we use that have extra Nectar points DH does the smartscan shop for both our Nectar cards (as each card has different offers and I don’t scan shop as well as he does). We often buy multiples of the best offers to stock up. We bought four boxes of Alara muesli – normal price £2.70 – scan shop offer £1.60 saving us £4.40 on 4 boxes. I am hoping to stretch this weeks shopping to ten days if possible just topping up with some extra milk and the odd bit of veg.

My intentions today are to complete the unpacking and putting away. I always refill the toiletries ready for our next trip before I put the bag away – it saves time when we next have to pack. I invested in two of those handy picnic blankets for the beach last year – £5 each from B&M. They fold up into a neat little package with a carry handle and are ultra light and yesterday I gave them a good blow on the line to shake off any residual sand before they are put away. I don’t really have anywhere to keep them at the moment that is easily accessible but I am working on it. I do like to have a place for everything and they are definitely keepers so something else less useful or unused may have to go to make room. I am gradually selling bits and pieces on ebay again to free up space in my cupboards and the garage.

I have an osteopath appointment this afternoon….another ouch cost wise but the benefits are worth it, he has done wonders for my back and I am hoping that today he can straighten out a few of my stiffer body parts. I fell whilst at a country fete in Thirsk with my two granddaughter’s last Saturday. There was a small hidden hole in the grass on the field and my foot went down it as I walked along and my ankle twisted over. I went down with a bump jarring my poor back and already bad shoulder and I have ended up with a slight limp, a stiff back and quite sore wrists where I tried to save myself…..and I hadn’t even been drinking…..well only decaff tea!!!

Well I had better get going – there is a lot to do.

dear diary >> getting myself back in order

We are back home from our little jaunt to Scarborough making memories with the family and all three grandchildren – I managed the journey OK and had a good week with my back holding up quite well. The kids had a whale of a time and loved every minute. Packing though in that intense heat was something else and a task I wouldn’t want to repeat again. We decided to travel after tea when it was cool and the roads less busy. It was a good decision even though we didn’t arrive until midnight at the holiday house.

As I unpack I am slowly putting everything back in order. We took fewer clothes than last year, in fact we took less of everything mainly because DH’s estate car broke down two days before we were due to leave and no-one could fix it in time so we had to use my much smaller car. We have recently hummed and hawed about keeping it but it proved very useful to get us on holiday and will make the decision to sell it even harder now.

I feel slightly in chaos today; as well as more ‘putting away’ I have a menu to plan and shopping to do as we need to top up with fresh fruit and veg and dairy for the fridge. Each week we buy the scan shop offers on both mine and DH’s nectar cards – they are worthwhile savings – and check to see what the offers are on the extra points list. It is a good way to keep the costs down even though it is quite time consuming, but in this climate needs must and being retired now we have the time. DH does the scan shops for both cards as he is much better at it than me and I do the main shopping that I take through the ordinary manned tills. It works for us.

I still have a pile of ironing that didn’t get done before the holiday as it was just too hot and I have to attend to the finances. The holiday spending was perhaps more than I had estimated – entrance fees, ice creams and rides are all going up in price but even on holiday we managed to find a few good deals by choosing family tickets or any available discounts for prebooking. Many of the things we did were free as the children just loved to play on the beach all day.

Marks and Spencers are doing a ‘Kids eat free’ with one paying adult deal at the moment in their cafes and the guy on the till put each of our adult meals through in a seperate transaction so that each grandchild got a free lunch and they were also giving out a free piece of fruit – so well done Marks and Spencer – we ate in their cafe twice as I also had some vouchers to use from my Sparks card and the rest of the week we made our own packed lunches and just bought drinks out for the adults – the grandchildren only drink water so that is easy to take from home.

Conserving the pennies is something I am going to have to do in earnest now we are back home – the increase in the cost of living is frightening and there will be no pay rise for pensioners – after all we cannot go on strike for an increase! So later today I will be overviewing our financial situation and looking at making more economies.

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