Last year someone commented that they liked my Frugal Month notes and I hadn't done a round up for a while. I said that it seemed a bit hypercritical as I'd been spending a lot of money in the second half of the year.
(Thank heavens I've been frugal all my life so manage to have spare money when needed - and downsizing was a huge help with this of course - I'd recommend it earlier rather than later.... Imagine if I'd have had to do all that 9 week holiday home shifting about thing in 10 years time, when even older and more decrepit!) .
|image from google freepik|
So for those who like to know - here's a round-up from my accounts book...............
Every month has regular outgoings - the Council Tax, charity donation, electric bill, phones/broadband, diesel for the car, household things for laundry, kitchen, bathroom etc etc and there are 10 birthdays and Christmas. Then I seem to often find little things for the grandchildren - funny that!
Somehow each month always manages to have it's extra expenses. Last year it went like this..........
August: The month I bought a new laptop but other than that the rest of the spend was regular stuff or small amounts. I contributed toward a new man-hole cover for the one out the front driveway that had almost collapsed and bought a bike pump and new inner tubes for my bike.
September: The wood-burner was installed and I paid the rest of the money and a deposit for the new shower room work. I also bought a stove top fan, kindling from a car boot sale and firelighters. I bought 2 new hoodie jackets at half price. I had some meals out when I went to Dunwich, Orford and the Transport museum.
October: All the usual things plus I paid the rest of the money for the shower room work and for the new heating oil tank. There was a dentist visit, and I sent for another small apple tree for the garden. I splashed out on some items for my own Christmas hamper and bought two new tunic tops. The bill came for a small boiler repair done in August.
November: 750 Litres of heating oil was £637 (equivalent back in Feb would have been = £507) This was the month when most of my Christmas spending was done including postage stamps and I bought a small set of storage drawers to fit under the new wash basin. I bought two more new bras, so have replaced all my very old ones now - should be OK for a while!
December: The rest of the Christmas shopping and present buying was done. The boiler had its annual service, car insurance paid and my years supply of loo-rolls arrived from the "toilet paper that builds toilets" company ( huge saving by having a regular once-a year order)
As usual there are many small savings that I make which allow me to spend elsewhere on all the above.
- Cutting down spending on crafts
- Some clothes bought from charity shops if possible
- Not buying alcohol
- Not buying make up
- Cheap haircuts
- Using bread maker for home made bread
- Christmas/Birthday cards home made, found in charity shops or at car boot sales
- Growing some of my own veg
- Making meals from my veg to store in freezer
- Making chutneys/jams/marmalade for me and for gifts
- Using the library for new books
- Only buying second-hand books
- Plants bought from car-boot sales when possible
- Catching water in water butts will save money now I have a water meter
- Giving up chocolate eating and peanut butter
- Using second-class postage stamps
- Mixing milk half and half with water
- Avoiding using tumble dryer for most of the year
- Rarely buying meat
- Using side lamps rather than overhead lighting when possible
- Don't buy newspapers or magazines (other than the RT which is on subscription and less than £2 a week)
So, unless I decide to have a porch built over the front door, 2023 will definitely to be less spendy....or am I tempting fate to say that?!