being thrifty, sEAsons, trEAsury

sEAsons…oh the weather outside is frightful

Here we are the 3rd December it’s bitterly cold outside and snow keeps threatening and the countdown to Christmas has really begun.

Little L has sent her letter to Santa and we have all completed our family ‘Not so Secret Santa’ wish lists and passed them on to the relevant person.

This year I am buying a gift for my son in law and my OH is buying for my sister – she has a wish list as long as your arm but that makes it easier to pick a few things to the value of £50.  The big present swap and family party will be in two weeks time and I am generally in charge of crackers, games, silly hats and the music.

But first things first – I have mum’s photo book to finish and the computer is playing up – soon it will be me with frustration.

I have my fruit soaking ready to make my cake today and we bought a Christmas tree from Waitrose last night, a nice bushy 4 or 5 foot rooted one and it comes with a large red pot for £35 and all we have to do is bring it into the living room and decorate.  We used my £18 off a £90 shop voucher and also got a bargain on 3 gifts at £10 which were 3 for 2 (which conveniently brought the gifts into my £7 limit)  and also managed to find one of my sisters gifts – a stick blender.

To make up the £90 I also stocked up on a few items I can only buy from Waitrose and a few that we normally buy in Sainsbury’s that were on offer here.  So I was quite pleased with my purchases and the savings I made – the total came to more than £90 but with the coupon and £10 saving on the gifts I think I got quite a lot for the money.

Next Thursday mum arrives to stay and try out the brand new guest room – I need a heated underblanket for mum to replace the two hot water bottles she used to have.  This item is proving difficult to purchase as stock in the shops is low – everyone must be having one for Christmas, but I did manage to buy my plain white duvet cover for the new bed and a new plain white sheet for our bedroom as one of the two sheets had ripped right through in the last wash because it had worn so thin.

To finish the room we need to put up a picture or two and find a bedside table, but apart from that it is ready to go.

If I get time at the end of the day I will compose my Christmas letter that I usually send out to update relatives and friends and perhaps write a card or two.

Back soon x

being thrifty, decorating, drEAming, financial focusing, general chit chat, homestEAding, trEAsury

‘dolly’ mixtures…

It has been a busy week again since we arrived home from a long weekend at the cottage/caravan.  Work was particularly pressured this week but I now have 5 days off to look forward to with having the extra Bank holiday day on Monday.

Today I would normally have been cleaning but decided instead to tackle the pile of paperwork that has been breeding accumulated on the desk and get back on top of the finances.  I have a number of tasks…

  • Find a new mobile provider – (once again, as sadly Sainsbury’s gave up last year as a provider) and now Talk Mobile are pulling out of their pay as you go which cost me all of £20 a year!   I am not a phone user so not really worth me being on a contract and the best coverage at our cottage / caravan is Vodaphone.  Their pay as you go is expensive so I am looking for a cheap, cheap, and even cheaper contract.  OH has one that is only £7.50 a month with bundles or whatever but I am not sure I can get that deal now.
  • Decide how to switch my new pension investment  – finally our firm has enrolled onto the people’s pension scheme and I had the first deduction taken this month from my salary.  As with OH pension I want to invest in an Ethical fund but the first pay in is into the default ordinary one so I need to read up on the instructions of how to change this online.  Looking at the figures on the handout we were given at the recent seminar the Ethical choice is doing relatively well.
  • Check our bank accounts and savings and update them.
  • Check over the renewed insurance policy for the cottage – a job I hate doing but must be done.
  • Switch energy provider – Npower are now for the chop.
  • Filing – plenty of it!

Once the paperwork is done my next task is to decide what is going back into the newly decorated bedroom.  We have assembled the Ikea wardrobes which have been fitted out with shelving rather than hanging and will be my linen cupboard and also house fabrics and sewing projects –  this will take the strain off the wardrobe in our main bedroom.  We have also bought a set of drawers so I have to decide where and how to store the items I am keeping and what is to be displayed.  My granddaughter will eventually stay in this room so I want it to look appealing to her and have a place for a few toys.

I removed a bag full of soft toys when we cleared out the room – this little rag doll is the same age as my elder daughter – 37 years old.  I made her as a sample for a sewing kit manufacturer interested in selling toy kits when I worked for New Look Patterns in the seventies and eighties in Bradford – some bloggers may remember them as Maudella.  We were updating the toy section of the catalogue at the time and I had great fun designing and developing a selection of toys.

She has always been called ‘Dolly” and here she is having a leisurely soak whilst her clothes are in the washer.



Meanwhile bunny and Ted have been spruced up in the washing machine together with a few other ‘friends’.

I had to make the awful decision to send one or two to the charity shop to be loved in a new home – what is it about soft toys that makes this such a hard job?

When my mum comes to stay she has little room to pack lots of toiletries in her case and they make it heavy so she keeps a spare set of basic things at our house.  I have put them all into a little guest basket for her and added in a couple of towels, face cloths and scented soaps – looks much prettier on the shelf now.


We needed a new blind for the Velux roof light as the old one had rotted in the sun.  When we checked the price we found they are nearly £100 now for a ‘proper’ Velux blind.  We came across an ordinary blind reduced to £6 in John Lewis and it just happened to be the same width so OH managed to carefully remove the fabric from the new blind and fix it onto the winding mechanism of the old blind.  Brilliant  – what a bargain.

I shall reveal all soon – just not been able to take any pictures yet.


Have a great weekend – back soon.

being thrifty, trEAsury

more thoughts on economising…


Sometimes I can easily overlook the obvious – do you do that?

I refer to a very simple statement I came across recently –

‘Spend less than you earn = more savings’.

In my quest for a simple life this is good simple advice.

I do, as it happens, spend less than I earn overall and do not have the problem of credit or overdrafts, but even so I can take this on board and spend even less than I earn and save even more = less stuff. 

Less stuff is something I am working towards so it will be a win, win situation.

Where I fall down is spending too much day-to-day on lunch at work and on the weekly shop.  Buying lunches and over estimating on fresh food for the week or turning to expensive convenience foods through lack of planning and time increases our spending unnecessarily.

After all the hard work of searching out and setting up good deals we often lose track of them coming to an end.  We also get so busy we  fail to check the online bills for errors of which we have at times found plenty.  Therefore a little more attention to these areas will undoubtedly keep more money in our pockets.

Being thrifty is a challenge I actually enjoy and watching our savings grow is rewarding and with retirement looming on the horizon I can feel a slight urgency to give our savings a boost.

Putting it into practice is not always easy – sometimes running short on time and temptation takes over.


My thrifty moments this week –

  • I have stocked up on the next two months cards for birthdays and anniversaries using a 25% off WH Smiths voucher for cards. Cards are not cheap now so I am always on the lookout for reasonably priced ones.
  • An 8p off a litre of petrol coupon from Sainsbury’s.
  • Triple reward points plus 800 free points
  • A grocery shopping free week – as we were going up to the caravan for a long weekend last Thursday I didn’t need to do a supermarket shop saving a good £50.

What I have wasted money on this week –

  • Buying my lunch for work – I could certainly save money here if I took something from home.
  • Buying lunch out at the weekend when we could have made sandwiches and taken them with us and just bought a drink.
  • Buying a tray bake cake with a drink at Costa – an expensive enjoyment.

My week at work is over now and I will certainly be spending an hour or two on our finances tomorrow.

bEAching, sEAsons, trEAsury

searching out those good deals…

We are home again after a few days at the caravan.  The weather was rather mixed but when it was sunny it was quite warm and we could get out into the garden clearing ditches and mowing the lawn.

RW Rye

We have the same rhododendron – (R.W.Rye – a beautiful small yellow flower) – in our garden in Yorkshire and our cottage garden in Scotland and surprisingly the one in Yorkshire is just about to burst into flower while the one in Scotland is almost over!

Down at the edge of the wood under the apple tree the crocuses are poking through the undergrowth – Spring is definitely here.

Carrying on from my last post about the piece of advice I read recently in a magazine –

‘Devote an hour a week to staying on top of your money’ Dr Heather McGregor author of Financial Advice for Independent Women.

Use the time to check statements, sort out bills and making sure you are getting the best deals.

I have even cut this out and stuck it in my Filofax.

I am presuming this advice is also helpful if you are still trying to acquire some money to get on top of!

I already devote some time each week (where time allows) to track my spending and balance statements this helps me to identify where my money is going and where I would like it to go.  Most of my bills are paid by standing order or direct debit so I never fail to pay them but it is the amount of the bills that are in question – can I get a cheaper deal and save money?

Devoting a bit more time to searching out good deals should help me to hold on to more of it.  I dislike having to do it but fixing deals with utilities has become a way of life now, the same for insurance cover and mortgages.  My gran had none of these problems – she would receive a quarterly bill for the exact amount she had used and pay it in cash the same day – simple – now it is anything but simple.

My successes so far on economising

  • A new fixed deal rate for our electricity and gas to avoid the imminent price hikes.
  • Paying up front for the BT phone line for a year in advance and haggling for a better unlimited broad band and anytime calls deal.
  • Opening a 5% interest return Flexclusive saver account with Nationwide – open to anyone with a Flexaccount and you can pay in up to £500 a month.  The account is only for a year then you take t he money, close the account and open a new one.
  • Meal planning to save on the grocery shopping and avoiding wasted food.
  • I have bought a packet of individually wrapped flapjacks and some chocolate mini rolls these will go with us when we go out and stop for a drink in Costa – I object to paying £2.25 or more for one of their tray bakes and will reduce our bill from around £9 to around £5.
  • If we have to park in town we can use Sainsbury’s car park if we buy something for over £5.  We may as well spend £5 on stocking up on rice or birthday cards and get something for the parking rather than paying £4 and getting nothing.
  • We discovered by accident that we could have a good discount on our car insurance with Aviva because we have a pension with them.  I think Aviva may be one of those companies who do not participate in the comparison sites.

Tomorrow night is shopping night so I will be on the look out for more bargains.  Have a good week.

being thrifty, decorating, homestEAding, trEAsury

this and that…

February has almost been and gone already.  I cannot even think what I have been doing but I know I have been busy doing it!

I warn you now this is more of an update and not a very exciting blog post – feel free to leave now…

Earlier this month we had a few days in our new caravan…a few very wet days and then snow when we got back home here in Yorkshire.  This weekend it has been extremely wet and windy and I don’t know about you but I feel I am in desperate need of some warmer sunnier weather, especially to wake up to.

Cottage renovations aside we are planning a bit of a whole house revamp here in Yorkshire – inside and out  – starting with the airing cupboard of all places.  This may seem a strange place to start but recently we had a new Combi boiler installed and the hot water tank upstairs was removed.  The upside is we have a large empty space but the downside is that the airing cupboard is no longer warm!

Mr I. has spent many a day inside this tiny space sanding and painting and fitting new shelves and  a small tubular electric heater to keep it warm so I can carry on airing the clothes and linens after I have ironed them.  I already keep spare toilet rolls and lightbulbs in here and the aim is to store the towels here too.  To get the job done quickly Mr I. bought Quick Drying gloss – this was a big mistake it is definitely not as good in finish and quality as a normal gloss and it is still slightly tacky one week later – thankfully it is only the airing cupboard.

As well as the airing cupboard we are redecorating my younger daughters bedroom (she left home in 2002) and we have never updated it in all that time!

We are installing some fitted wardrobes in this room so last Friday we had another visit to Ikea – our third in two weeks – not because we had a lot of shopping to do but because on previous visits I couldn’t decide on the style of doors for the front of the wardrobes we had gone to buy!

As usual I thought I knew exactly what I wanted until I got there and then found I needed time to have a rethink.  In the end I did buy the wardrobe doors I had first decided on and they have been delivered and are in our living room waiting to be put together.  I am looking forward to having a place to store my linens  which are in our main wardrobe at the moment.

Feeling Frugal

The menu planning and shopping has gone better than expected – my shopping bill is definitely lower, our meals more nutritious and we have even produced a few leftovers for my lunch at work to keep my daily spend down too.

Boots have to their 3 for 2 and a five-pound off coupons at the moment so I am stocking up on my basic face creams and a new mascara.   I haven’t compared my spending yet with this time last year – that will have to wait for a free hour next week when I can sit down and look at the budget.

Today I set up a new savings account with 5% interest which is a good rate given the low rates at present and I am trying to rearrange better utility deals one by one.  Not a job I enjoy doing but hopefully will produce some significant savings.

The To-do List

I have been concentrating on reducing my list of tasks and trying to give myself only 5 a day so that those awkward ones don’t get left undone and keep recurring.  This week will be even busier than last as I have a training seminar to attend in Leeds and I am involved in a fund-raising evening on Thursday after work.

On Monday I have a job to sort out at Kwik Fit who serviced my car and did the MOT and somehow entered my Vehicle number incorrectly.  This has caused a problem at DVLA and guess who has to sort it out!

I have also a few items of shopping that I think will be cheaper from one of the bargain shops or Wilkos rather than from Sainsbury’s or Boots so I will make the effort to go shopping at lunch time.

I have quite a few birthdays for March so I had better start looking for cards and gifts so they are not last-minute.

Well my time is up now  – hopefully It won’t be another month until my next post!

Have a good week x


being thrifty, fEAsting, hEAlth, healthy eating, meal planning, sEAsons, trEAsury

menu plan monday…

It is definitely that time of year when every magazine you look at has eye-catching headlines such as ‘Best Year ever’,  ‘Your time to shine’,  Make 2017 your year of change’  – I can never decide whether this is motivating or suggests that we are lacking a certain amount of satisfaction with our lives and are left wanting more or different.

The start of the New Year does seem to bring with it a desire to change many aspects of our life that we are disappointed with and of course we all begin with such good intentions but often by the time we are midway through February we have slipped back into our old habits and the resolutions we made become a distant memory.

If I were to make a list of all the things I would like to change it would be so long I wouldn’t have a hope of fulfilling them all this or any other year.  So then I start wondering why I want to change and I can only say to try to make my life feel better – less stressful – more as I imagine it could be – certainly happier, healthier, perhaps a little wealthier – plenty of me time, family time – a well run house, a glorious garden and even some room for creativity.  Of course I then have to wonder why on earth I am not already living this perfect life!

However, in my Economy mode I am whizzing straight past all the magazines with such appealing headlines – I already have a subscription to Country Living magazine (Xmas present) so for as long as I can hold out that is my lot.

This month I am concentrating on compiling Menu plans – mainly for our evening meal at present and then I will deal with my lunches later so I don’t make things too difficult for myself all at once.  I am aiming for low-cost, no waste, nutritional meals using seasonal fruit and veg as much as possible and also using up items from my store cupboard, fridge and freezer.  See the list here.

I have laminated my Good Food – Get 5-a-day every day chart of seasonal winter fruit and veg – this tells me all the British grown fruit and veg and also those items from further afield that are in season and therefore should not be too expensive.  Blueberries and Strawberries are not on the list so I will use up any frozen berries to go with my natural yoghurt for breakfast.




My menu plan this week uses up a few items already in my stock cupboard but most of the veg I will have to buy fresh as I only have celery, carrots and onions left over together with some rather soft radish and a bit of dubious broccoli.

The sprouts, parsnip, leeks, cabbage and beetroot are all in season and British, the Sweet potato is also in season although not grown here.

The items not listed as seasonal are broccoli, green beans and mushrooms.

I am introducing 3 new recipes this week –

  • Vegetable Stew (substituting Sweet potato for the Butternut squash – this will also use up the remaining leek from the Stroganoff on Tuesday).
  • Spiced Chickpea bakes
  • Herby Brown Rice Salad

From my choice of fruit and veg I am told that I will be enhancing my Beta – carotene intake effective against viruses and bacteria, Vitamin C  for my immune system and phytochemical that help the digestive system.

I am looking forward to making the new recipes – if they pass the taste test then I will put them into my recipe binder – if not they will go straight in the bin so I am not keeping recipes that I will never make again.  Any modifications I will add notes to the recipe for next time.

I will be going shopping tomorrow night so will then know just how economical my shop is (or not!) in financial terms – bearing in mind the cold weather a warming Vegetable Stew sounds just right this week.

Have a good week.





beach cottage, bEAching, being thrifty, celebrations, cottage garden, drEAming, fEAsting, general chit chat, trEAsury

highlights from the week…

During last week I was on holiday from work so we decided to head up to the caravan in Scotland for a few days whilst also arranging to meet the engineer who came to get our water and gas connected.

I was sitting in the caravan looking out over a calm, silvery winter sea during the time just before dusk sets in.  The wood-pigeon was gently cooing outside and inside a very peaceful quiet. Just like in the cottage we have no means of communicating with the outside world – it feels almost like being on a desert island – all we can do is just sit and be.  A very odd experience – 250 miles away from our usual existence at home where there is always some pressing ‘To Do’ to be done and I would normally, like a lot of the population, be at work.  I quite enjoyed this break – so did hubby who was often found gently dozing in the corner!

The highlight of the trip was at last we have running water, central heating, a flushing toilet, fully operational shower and gas cooking facilities.  Thank goodness for all these modern inventions – being without such comforts is good for the soul once in a while as it reminds us of how grateful we should be for these services we take for granted and how they free up our lives.  For the last few weeks we have managed with containers of water, a bucket under the van to catch the sink waste and a chemical camping toilet to catch the other waste!  I won’t go into detail here!!  We had to have a wash with one bowl of water each and clean our teeth with a glassful.  All hot water had to be boiled on our little gas camping stove and our meals consisted of soup, soup and more soup – the easiest thing to heat up when you only have one gas ring.

The caravan is now a real home from home and is actually warmer, cleaner and more comfortable than our cottage was whilst we attended to the renovations.  But it does not have the character or the space.

Now the caravan is fully up and running we can turn our attention to the garden maintenance.  It suffered a lot last year due to shortage of time and the cottage being out of action still.  We had to limit our visits and stay at a nearby B&B or hire another cottage.

Many parts of the garden were badly affected by the flood and all though most of it has sprung back there are still some strange effects to overcome even now. The lawn and borders on the wood side of the cottage are covered in wild garlic leaves, the bulbs being washed through the garden and scattered by the flood water.  The only way is to dig them out by hand one at a time.  So far I have done a patch about one metre square – the amount of garden affected by this is probably 20 metres square – some of it appears in clumps and others more scatterd – funnily enough the ones in clumps are easier to pull out than the numerous single bulbs dotted around.  Any good ideas anyone?

The stream bank is looking so much better and as soon as we hit a drier patch the contractor will be back to spread the top soil and re-seed the area.  The black protective mesh will eventually allow the vegetation to grow through it and it will look like a natural grassy stream bank.  Of course the stream bed is much wider now but will probably, hopefully, look narrower again as the vegetation takes hold.


Stream Bank


Back at home now we celebrated Burns night here in England with a few friends – it was a great night and always reminds us how good it is to have a get together.  I have never cooked Haggis before but it was quite easy – not so easy is mashing a huge pot of potatoes and turnip.

For eight of us (5 meat eaters and 3 vegetarians) I spent

2 x Haggis  £5.00

1 x Haggis veggie £2.50

1 large bag Potatoes £1.29

2 x Swede £0.80

1 pot beef gravy £2.00 (already had some veggie gravy)

8 mini Scotch pies  £2.70

2 macaroni pies £1.15

Add in some Scottish delicacies

1 box Tunnocks chocolate teacakes £1.60

1pkt Tunnocks Caramel wafers £1.60

1pkt mini Scottie shortbread  £1.00


A total of £19.64 or £2.46 a head – one friend brought fruit kebabs for a starter and another friend a Rhubarb crumble for afters.  So quite an economy meal.