Tag Archives: economy

This weeks shopping 5th February 2014

Towards the end of last year we “found” a greengrocer fairly close to home, Im sure it was around September. Since then we have not bought any fruit or vegetables from the supermarkets. We also started using a fairly local butcher around the same time and again we haven’t bought any meat from the supermarkets since.

Yes it probably does cost a little more but there are so many benefits to shopping local. When we go into the shop they know our names, we can have a chat, the kids are encouraged to look at things and are made to feel really welcome. I can buy as much or as little as I like and the produce is always fresh.

Fruit & Veg Shopping

 

 

 

 

 

This weeks fruit and vegetables shop came to £14.00 which I think is great value. I got some extra veggies at the weekend and have some frozen veg so there are no potatoes, broccoli or cauliflower this week. A portion of the fruit will be used to make fruit purees for the littlest one.

Meat

 

 

 

 

 

All I needed from the butcher was cooked meat and some beef to make a casserole with at the weekend. Total cost £6.50

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The remainder of the shopping came from Lidl and Asda and came to around £39.00. This is expensive for us but it included Baby Milk at £9.99 and as Asda had a baby event on I stocked up on some baby essentials which accounted for around £6.50. This will result in a lower spend over the next few weeks.

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We did not need any toiletries or household items this week.

Total  Shop: £59.50

Weekly Budget is £90.00

Remaining: £30.50 (until Monday)

£2014 in 2014

I have decided to participate in the £2014 in 2014 challenge with afrgugalwife and other bloggers. Granted I am a month late in joining I have some catching up to do!

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So the idea seems pretty simple, save or earn £2014 this year. When I actually sat down to break it down it seems a lot more than I first thought.

Here are my thoughts on how I might achieve this.

  • Savings from our weekly budget and other household costs
  • Round up monthly direct debits to nearest £1, this works out at £3.57 but we have agreed to make it £5
  • Round up our Visa Debit transactions to the nearest £1 each time
  • Try to use a cash back site for any online purchases and for car insurance etc
  • Earn extra cash by completing online surveys where possible
  • Reduce Gas and Electric consumption, any savings from our bills will go into the fund
  • Sell baby items that we no longer need, this will be a tough one and there may be tears
  • eBay / Car boot sale with unwanted household items
  • We finish buying baby milk at the end of February, this will give us a saving of £20 per month
  • Any donations we receive for eggs will go into the fund
  • “Spare” coins go into glass jars then usually end up at Coin Star, this total will be added

Change Jars

So thats my thoughts so far, of course I will update if I have any brainwaves. Anyone else participating in the challenge?

Heres the link to the update page on afrugalwife

https://www.facebook.com/pages/Pennywisemummy/579834042093107

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I love finding things I forgot I had!

I found this blackboard in the loft and it’s great for writing down some of the jobs I need to get done. I was going to buy a white board but this saves us a few pounds

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Our 2014 Budget

A budget is telling your money where to go instead of wondering where it went.” Dave Ramsey

We have sat down this morning and decided on our weekly / monthly budget for 2014. We have 2 adults and 2 young children (3 years and 10 months) so the budget allows us enough room to buy fresh local fruit, veg and meat in addition to our weekly milk delivery. We typically overspend on “other” meaning lunches out, treats etc so this year we are having a focused effort to rein it in.

Heres the breakdown:

Milk – £5 per week

Fruit & Veg – £10 per week

Meat and Fish – £20 per week – this is probably too high but we can adjust down after a few weeks

Other food and household – £30 to include snacks for children that can’t be made at home and baby milk until our daughter is 1

Eating out, soft play, treats – £20

Total Weekly Budget: £ 80 or £4160 per year

Of course we would love to live on less but we feel that this is an achievable budget for our family. The other food and household budget will reduce once our daughter turns one and we no longer have to buy baby milk. Im continuing to make my own laundry detergent and as many household cleaners as I can to reduce the amount of “nasties” we use but also to help our budget.  Our meal planning will also continue 🙂

Running a car, our 2013 summary and thoughts for 2014

Poorly children and a busy time over the holidays has meant little free time to blog. Ive been busy trying to sort out our budgets for 2014 and will do a few posts sharing my thoughts and results.

We have been a one car household for over 12 months and are beginning to notice the financial difference. Last year I set up a “Car Fund” into which I paid £85.00 per month to cover expenses. In addition to this I pay £15.00 per month onto my Post Office Budget Account to cover road tax.

For the first time this year my lovely husband has serviced the car himself and we have tried to be more thoughtful when using the car in order to get the most out of our journeys. Now that our son has started going to Nursery we can walk there in 15 minutes, up until October I had a 20 minute drive to playgroup 2/3 times each week. This has certainly reduced the fuel consumption and improved our fitness levels!

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In 2013 here is our spend on the car (5 years old)

Miles: 8741

Breakdown Cover: £95

Parts for Service: £108

MOT and Pre-MOT Check: £70

Insurance: £ 220

Road Tax: £160

Petrol: £1400

Total Cost: £2053 / £171 per month

2014

I have just renewed the breakdown cover with the AA, its cost £75.00, already a reduction from last year. Next up is the insurance which is up for renewal in February. We usually pay annually in order to get a good price. Now that we know how many miles we do I can provide accurate information at the quote stage. We are keeping the “car fund” standing order the same amount, there is a small surplus from last year which will carry over.

Does anyone else plan or save for car expenses in this way?

Winter Ready and Energy Saving

The year that our son was born (2010) saw some of the worst snow we’ve had here in a long time. Since then we have gradually started to make more preparations for winter and for the first time this year we are looking to reduce our energy consumption without being cold. Here are some of the things that we are doing.

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Food – We’ve made sure that we have some extra items in the freezer such as bread, fish fingers etc so that if we can’t get out then we have enough food (but not too much!) should we be unable to get out to the shops. We have also bought some cartons of long life milk.

Outdoor – Theres an extra bag of chicken food in the shed, our supplier is at the top of a very long and bumpy road so when its icy it’s just not possible to get there. We also have a snow shovel and a supply of grit / salt so we can keep our path and the bit of road directly behind our drive clear.

Car – The kids each have a warm blanket in the car as well as extra hats and gloves. Theres a small snow shovel, ice scraper and de-icer as well as an extra blanket.

Indoor

Windows and Doors

We have added extra insulation to as many of the windows and doors as possible, draught excluders are plentiful! I made a draught excluder a few weeks ago, its pretty basic but effective.

Draught Excluder

Windows have blinds up and the living rooms and bedrooms all have lined curtains too, we have made sure that the curtains don’t cover the radiators. We try to have the blinds open whenever possible during the day to  let natural lights and warmth in. We close the blinds as soon as it starts to get dark, this way we conserve as much heat as possible. I’ve also put a curtain up at my back door as it has a fair bit of glass and is draughty! We are in the process of putting foil behind the radiators, downstairs is done and upstairs will be done in the new year.

Kids Curtains

Curtain at back door

Heating and Hot Water

The heating thermostat sits at 18 degrees (16 if it’s not too chilly) 20 is usually the maximum, our downstairs is open plan so we lost a lot of heat upstairs as the stairs are in the living room. Our heating is on all the time but we control it by the thermostat, most of the radiators in the house have individual thermostats so each has been adjusted accordingly. Set to low in rooms not used much or that don’t need heated. Our children are aged 3 years and 8.5 months so we are not comfortable having the house much cooler. In addition we have bled all of the radiators.

The hot water is set to come on for a certain amount of time each day, this gives us enough water for a shower for each of the adults, any cleaning and a bath each evening for the children.

Lights 

We are trying to only have 1 or 2 lights on where possible especially in the evening when the kids are in bed, keeping doors closed is something I’m trying to teach my other half! We are in the process of switching our lightbulbs to LEDs. So far we have changed the most used lights downstairs and I’m impressed at the brightness however it is costly and therefore slow process. Hopefully it will be worth it!

General Electricity

We use a lot of common sense like making sure chargers are switched off and unplugged when not in use, nothing plugged into extension cables that’s not being used and everything downstairs except the heating and fridge freezer is turned off at night. All of our appliances are A or A+ rated with the exception of the tumble dryer which is B rated.

We have also shopped around and got ourselves onto the best energy deal that we can. According to our energy provider we use less than the “standard amount and we run a very energy-efficient household” but I feel that we can do more.

We did invest in an energy monitor recently and it is proving to be an interesting and useful addition to the household. I plan to do a separate blog post about this later.

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I will only know if we have successfully reduced our energy consumption by comparing this years usage to last year so it feels like a long time to wait! Im interested to hear if anyone else has any suggestions?

Home Made Baby Food

Most of the time I try to make my own food for our daughter who’s 8.5 months old. I swear by Annabel Karmels recipes as they were always well received and eaten by our son. To say she enjoyed her tea of salmon last night would be an understatement!

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We do buy pouches of baby food on occasion, however we try to make our own or she eats what we have as much as possible. This way I know what she is eating and it saves us money. Even taking into account the cost of buying the fresh ingredients to make a batch of food, it works out much cheaper than buying a decent standard of pre- made baby food for every meal.

I try to make sure that most of the time we have a batches in the freezer that contain Red Meat, Chicken, Fish, Vegetarian / Pasta and fruit. I freeze in ice cube trays then decant the cubes into a freeze bag. This way I can then defrost a few cubes as we need them.

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Our Annabel Karmel Book 

 

Home Made Laundry Powder Trial

As part of our goal to reduce our waste and consumption I’ve decided to make my own laundry “powder”. There are many “recipes” available for laundry gloop and a dry alternative which I’m calling “powder”. I  chose not to make gloop as it’s a longer process and I don’t have a big enough pan that I’m willing to sacrifice for this purpose!

When our daughter came out in a rash I actually took the time to read the ingredients on the detergent bottle and quite frankly I was amazed at the number and names of the listed ingredients. I was also surprised that some do not list specific quantities i.e “xyz 5-15%”.  Its our personal choice to try making our own detergent and work out if it’s any different to the normal shop bought detergent.

The basic mixture I made has 3 main ingredients, I referred to my book on green cleaning for this (link below). The ingredients are Borax Substitute, Soap Flakes and Soda Crystals, at this stage I have not added any essential oil as I would like to try out the basic version first. I do occasionally add a couple of drops of essential oil into the machine drawer though, this is instead of fabric softener.

Ingredients

All I had to do was put on some rubber gloves, mix the ingredients together then store in a suitable container. I read that 1 tablespoon of mix is enough for a lightly soiled load and 2 tablespoons for a heavily soiled load.

I did a test today on a 30 degree cycle (lightly soiled load), the clothes look clean and smell clean. There was little to no suds in the machine which is apparently normal but it will take some getting used too. It will be interesting to try it on a heavily soiled load and for whites….updates to follow on this.

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In terms of  the basic cost of ingredients, it works out at about £1.01 for 50 tablespoons of detergent (yes I did measure it all out!). Best case 50 washes works out at £0.02 per wash and worst case 25 washes works out at £0.04 per wash. There is also the delivery cost to consider when ordering products online, I order my products in bulk so in this case it would be less than 50p to be added.

Does or has anyone else made their own laundry detergent?

Book

Site where I buy my products: 

Freezing Vegetables to Prevent Waste

We have been buying a fruit and vegetable box from the local greengrocer (recently discovered) and last week I had one lonely turnip left. Rather than let it go to waste I peeled and chopped it, blanched in boiling water for 2 minutes then I immediately put it into iced cold water. Finally I dried it with kitchen paper and put it in a freezer bag. I will use it in stew, soup or simply cook for 6-8 minutes with a little butter added. A year ago this would have been put in the bin!

Here are some pictures of the process.

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You can freeze loads of vegetables in this way including broccoli (best packed in rigid containers so its not damaged), cauliflower florets, butternut squash. These are usually able to be stored for 12 months.

Im finding that having some vegetables prepared and stored in the freezer makes life much easier when it comes to making soups and stews, all i need to do is put them into the pan, no peeling or chopping required.

I was also given a whole load of cooking apples, these have been peeled and stewed, I’ve made some into individual sized apple crumbles which I have frozen with the crumble uncooked. All I need to do is take them out of the freezer and cook them. I’ve stored the rest of the stewed apple in plastic boxes in the freezer.