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Thursday, 30 June 2011

Walking back to happiness.

A very serious looking, post walk Froogs wearing - LA Gear t-shirt £1 charity shop, Per Una jeans BNWT ebay £8 and Reebok trainers from the Sally Army shop for £2.
Thanks everybody for your supportive and encouraging remarks and comments yesterday. So much came out into the open yesterday that I've spent today reeling. I'll come to terms with it all when I can. In the mean time, I'll just keep the door, lines of communication, my mind and my heart open.

I've always found exercise to be a great stress reliever; if I've had a tough day, then a 3.5 mile walk up and down the hilliest hills I can find leave me a lot less worried. I thought I would use this blog to share my weight loss up date. I have kept going, as best I can with a few hiccups, with my frugal weight loss journey. I'm itching to spend some money on a gym, or at least on some sports clothes but I've just not got it sensibly to spare when every penny is needed else where. I go out and stride (I don't like 'power walking') in a pair of jeans and a tee shirt. Now though, I'm doing it in a size 14 pair of jeans and size 14 tee shirt. The jeans are still a little too small and I like them to be more boot cut, but as I have hulking great legs and cankles, they look like skinny jeans!!! They will be my photo me and measure me jeans so I can look back and see 'where I was'. My weight has gone up and down a bit recently but it's settling at 12' 8lbs and I hope to get it down to 12' by August!

For those of you interested in the Dukan Diet, I'm back to making sure that no carbs go any where near me and it's no surprise, but when I eliminate them, then I go back to losing weight. It works and I've just got to stick to it!

Thanks again everyone, we'll get through this somehow...............and the diet!!!

Until tomorrow

Wednesday, 29 June 2011

Soft place to fall

Today has been about open arms, an open mind, opening options, listening, being cried on and being a mum. A crisis for my girlie has consumed me today and I'll get back on with my life when we're all upright and OK. I know those of you who have read my blog for a while will know exactly what I mean.

Cobwebs go hang,
Dust go to sleep,
I'm rockin' my baby,
and babies don't keep. xxx

I'm off to do some more rockin'

Love Froogsxxxx

Monday, 27 June 2011

The journey to downshifting.

I was a child of the 1980's. I didn't know any different. I was part of a radically and drastically changing world where old values melted away and consumerism and capitalism took over as the over arching values that became the centre of everyone's lives. I fell for it.

I became a mum in 1986 and managed to work through both of the childrens' formative years. I was the busy mother who was always too tired because work came first. In the booming 1990's we borrowed and bought our way to 'prosperity', a prosperity that I'm only just paying off now. We lived the 'good' times and credit was easy. The noughties saw the prosperity continue. I had aspired to a 'career', I re-educated myself, reinvented myself and moved up the property 'ladder'. In the end, I was working for the lie that I was taught in the 80's, wanted for in the 90's and fell deeply in debt for in the 00's.



I can't turn back the clock. I can't stay home and just knit and make jam with the children. They've grown and gone and I'll never get it back. What I am though, is older and wiser. I now aspire to live a 'good life', to live quietly and work with my hands. My dreams are simple. Grow food, live on less, use less energy, walk more, eat less, sit quietly, pray more, help others, read more, listen to Radio 4, learn more French and take time to enjoy the view.

I'm a bit sorry for myself at the moment. I'm about to lose a sizeable chunk of my pension and to pay more for it. I'm going to have to live off a lot less and pay a lot more for a lot less. My job is killing me and it's extremely hard to balance work and life.



I'm a great believer in visualising, of seeing what you want, at imagining yourself doing something and truly believing that you can and you will do something in the near future. I will downsize. I will buy a shoe box sized house and a little garden. I will pay off the mortgage in five years. I will be able to then pay a pension and I will then be able to retire before I'm fit to drop.

I don't want the stars and moon, just a two up, two down and a patch of grass, an open fire and enough room to bake bread.

I've written this today, just for me. I need to come back and read this every now and then. I need to remember that I can do this. I will have a smaller home, a simpler life. I can do this.

Sunday, 26 June 2011

Really cheap and low calorie lunch

Thanks to everyone who left messages to cheer me yesterday. I've done what I can to do as much school paper work as I can, and I've done as much to the garden as I can and as much to the house as I can. Good food brightened today.

For lunch today, I made a tomato, courgette and finely diced shallot omelette for both of us. Dearly Beloved had some homegrown new potatoes with his and we both had steamed green beans (courgettes, beans and shallots were home grown). I made a dessert from some lovely rhubarb that I was given yesterday. Before I ate any, being a follower of the Dukan Diet, I checked the 'stats' for rhubarb. 21 calories per 100g, high in fibre and vitamin C and K and calcium and potassium, 4.5g of carbohydrates of which on 1.1g sugars, so in Dukan terms - it's a winner. (Technically it's a vegetable, not a fruit as the sugar content is so low and it's 96% water)

I diced and cooked the rhubarb in a tablespoon of water until soft, allowed it to cool and added 'Splenda' to taste, I didn't want it to lose its sharpness. I then mixed it with a pot of almost fat free cream cheese (you could use Quark) until there were no cheese lumps and then poured it into small bowls and we have two portions each. I left it to set, it is what we call a Rhubarb Fool, you can do the same with raspberries, blackcurrants or strawberries. Fantastic English summer desserts. It was really, really nice.

 I'm feeling vile about myself as my weight has gone back up to 12 stone and 12 lbs, but I'm being very careful about calories intake and making sure I get an hour's exercise a day. It's going to be hard if it gets hot but I'll try and split it into 30 mins in the morning and then the same in the evening.

Until tomorrow,

Froogs xxxx

Saturday, 25 June 2011

They told me there'd be days like this!


Today is crap! With whippy crap on top, decorated with crap sprinkles! Everything is getting paid but as the song says "Money's too tight to mention!" House is a total mess and I've hardly time to clean it, school work is pressing on me like medieval torture, the garden needs work and the inner me wants to find something to smile about.

It's a very Eeyore kind of day and I would like to cancel it, forget it and go back to bed, pull the duvet over my head and tell the whole world to bleep off! I've £18 to last until pay day and that has to go in the fuel tank and we're eating from the store (which won't let us starve) All in all? Just keeping my head above my emotional parapet! Plus! It's a very, very, fat and really bleepin' ugly day today (women know what they are) and today I will not allow myself any food just to try and stop the fat building any where else.

Now if you don't mind......I'm off to berate my own ugly stupidity for the rest of the day!

Thursday, 23 June 2011

Crazy rain and crazy plants!

The garden spent most of May parched and I saved every drop of water available to get anything to grow. It has rained for days on end and everything has grown incredibly quickly. The potatoes needed more light, so I've moved them onto the patio. They have doubled in size in a week. I think we'll have to start eating them. As you can see, it's a jungle

 The plants in the poly tunnel have suffered from days without light. They are being fed and fertilised and yet they still look yellow. I'm going to have to limbo dance the sweetcorn outside, it's doing really well!
What thriving and what's suffering in your garden with our crazy weather?

Until tomorrow,

Love Froogs xxx

Tuesday, 21 June 2011

Frugal Queen'll Fix it!

The bottom of my fridge kept filling up with water, so I turned to my trusty guide book which helps me fix any thing and it is called...................Google! I simply searched "Why is there water in the bottom of my fridge?" It was one of two things. Either, the drainage pipe to the collection tray is blocked. (I ran downstairs, pulled the fridge out and had a look......clean pipe, no gunk and no blockage.......back to Google!) or the drain hole inside the fridge is blocked. (After coming back up again, I wizzed downstair, pulled out all the shelves from the fridge, found the drain hole and it was blocked!!!!!) I unblocked it and gave the fridge a good clean with some hot water and bicarb! Everything is good and working again!

I'm feeling very clever as Dearly Beloved thought we need a new fridge! No way! It is only six years old and we've got to get a lot more wear out of it!!!

So my lovely frugallers, what have you fixed recently and kept going for another day???

Until tomorrow,

All my love, Froogs xxxx

Monday, 20 June 2011

Purposefully occupied!


If you have children, then you'll know Michael Morpurgo! He is one of my many favourite writers for children. I'm busily planning a new scheme of work for some of my students and I'll be nose to the keypad for quite a few nights with some time off for good behaviour. I might sniff a yogurt or do something equally dietish! In the meantime, I'll leave you with the opening of the last chapter......then you must promise me, that you'll go to the library and get the book out immediately and enjoy every single word.

One Minute to Six

I try to close my mind to what is happening this minute to Charlie. I try to think of Charlie as he was at home, as we all were. But all I can see in my mind are the soldiers leading Charlie out into the field. He is not stumbling. He is not struggling. He is not crying out..................Six men, their rifles loaded and ready, each one wanting only to get it over with. They will be shooting one of their own and it feels to them like murder. They try not to look at Charlie's face......

Saturday, 18 June 2011

Hey big spender!

 After a week of being so frugal I squeaked when I walked, today loosened up my wallet a bit! We walked into Liskeard this morning for a charity shop mooch. I bought this lovely blue top for £3 in the Hospice shop - excuse the mess in the back ground, I really should tidy up.
£6 - a bit steep but I haven't spent any money in ages.
 Later, we had a look around a second hand shop in Callington that specialised in furniture with some accessories too. I bought the lovely little harbour scene print, because it reminds me of Polkerris, although the real harbour wall doesn't have a light house.
£4 for the butter dish; I think it's really pretty!
I also bought this spotty butter dish. We don't eat butter but the soya marg tub fits inside perfectly. I promise I'll go back to my frugal ways and not spend any money on pretty things! Have any of you 'wasted' a few quid recently?

Friday, 17 June 2011

The NHS, Tescos and Bank charges!

 I can not and will not complain about the NHS! I got to see my GP today, got the treatment I required and paid the entire sum of £7.40 for a month's supply of medication! It did result in me losing a day of work as I had to wait to get an appointment, but, the clinic are fantastic, kind, caring and saw me within a reasonable time and no money changed hands, which always pleases me! A massive hooray to everyone in the NHS, they are paid disgustingly low wages, they work unreasonably long hours and their dedication, which always amazes me, is often uncelebrated. (My sister is a nurse on the cardiothoracic unit in Treliske! A precise specialist working with people with lung cancer - all hail the nurses!!!!)
I will however complain voraciously about the see you next Tuesdays who run banks! At least Dick Turpin wore a mask! These people are bare faced robbers! When I paid off my overdraft I was waiting for a clear financial moment to change to a fee free account. They charge £17 just to use the bank account and then £5 on top to use the over draft facility, when not one penny in their hands is earnt by them! £264 a year to use an account, and not to gain from any of the 'products' that came with the account was not a good deal to me. On top, my taxes, your taxes and every other suckers taxes bailed out gross negligence and incompetence whilst they sipped champagne in Monte Carlo. We paid for the fat b******s to Lord it up! Today, when I had some spare time in between waiting for the local clinic to tell me they had an appointment to see me, I got on top of some financial matters that I needed to change for quite a while. I changed my bank account to a fee free bank account. I will now be £264 a year better off. That's a month's groceries, or the car insurance or one of the other bills that I've struggled with. Best of all, is knowing that I'm not giving those oxygen robbers any of my money! **** them! Yesterday Lloyds Platinum, today Lloyds Classic - all the services that I use and no bank charges. If we all did this, they wouldn't make the iniquitous profits that they do!

Finally, it doesn't seem much, but I sorted out my Tesco points and exchanged them for 'rewards'. I use Tesco filling stations as they have the cheapest diesel I can buy and I then save the points and treble them into rewards vouchers. Today, I cashed in £10 of 'money' to spend in Tesco to £30 of money to spend in Cafe Rouge! I'll give them to Dearly Beloved and he can whisk me off on a date some time in the future! So all in all, a funny old day of waiting around for an emergency Dr's appt (no, don't worry, Brits will know I am not dying but it's the jargon used for an appointment 'on the day' without prior notice!) saving £264 over the next year and getting a free lunch from my Tesco reward vouchers. A frugal day? I should say so!

Thursday, 16 June 2011

Just so scary!

 Hello everyone,

Thanks so much to the responses on my blog on Tuesday. You make me feel heard, listened to and certainly not alone in my debt repayment journey. As you were so kind then, I thought I would share my massive life shift today, and a guilty secret and how I'm going to put it right.

Dearly Beloved and I each have a debt repayment schedule. I have put some of our individual debts together onto 0% interest credit cards, which we have tarted from one to the next for quite some time. We are both using them to get rid of unsecured loans and interest baring credit cards. On one of DB's credit cards, the last payment went out on the 10th of this month. It was a snowballed debt payment, of all the payments he was previously paying and he is now personal debt free. I pay the big share of the big debts and I feel that I've got them in hand.

In 2009, when we sold this house, and found one we wanted to buy a tiny cottage. We went back to our mortgage provide - Santandarseholes, who wouldn't give us a mortgage, SMALLER! than the one we had as we had borrowed too much money, on personal and unsecured loans! So, the house sale fell through and we had to really take our debts in hand. If we wanted to downsize, then we had to do something about it. I embarked on a truly, madly, deeply frugal journey that has reshaped my life. By the early few months of 2012, we will have paid back in excess of 45K!

Now if you wonder what all of this meandering is for, now is the time for my guilty secret. When we bought this house is 2007, we mortgaged ourselves to our armpits and could only afford to have an interest only mortgage. Now believe me, I have done some utterly stupid things in my life but taking out a mortgage on a house I could not afford is the most stupid thing I've ever done! Today, in a huge leap, we've begun to put it right!

After the 10th, we contacted Santander and have made arrangements to change our mortgage to a repayment mortgage. Even though we are tied into a 6.5% interest rate until the 9th of September 2012 (when our tied in mortgage term ends), we would still be able to pay off £9000 of mortgage capital before we move house. The more we pay off, the bigger the equity and the more money we'll be able to put down. We are aiming to buy a small house and pay for it in five years!

So, today we lept into the abyss and have signed the repayment mortgage agreement that DB will drop into the local branch of the building society in his lunch break tomorrow! We'll also be able to over pay up to 10% of the outstanding balance of the mortgage every year! Sometimes, admitting you're wrong and putting it right is scary. My interest only mortgage was the silliest thing I've ever done and now is the time to put it right!


Wednesday, 15 June 2011

The Frugal Future?

 Do you get a mortgage statement and pension statement in the same month? I seem to do so. As I am a year and a bit away from trying to sell my house and downsize, I've become a price comparison website nerd! I go and look at investment plans and have come to the conclusion that Suze Orman, Martin Lewis and Dave Ramsay have sussed it all out for me. There is no point in paying into a savings fund as long as you have a mortgage. The interest will cancel out any saved gains. So watch this space. I'm locked into a mortgage deal until 3/9/2012! Or I have to pay Santander almost £8,000 for the pleasure of changing my mortgage deal. In the meantime, post debt repayments, I will pay off as much mortgage capital as I can.
 Now, you may well window shop. I often look at tents on eBay, or even browse around charity shops and often think of what I might like in the future. Wood burning heating? Solar or PV? In fact, I just want to pay for my new house (which will be compact and bijou) and then think of saving, or solar, or a ground water storage system. Until then, just because I'm nosey, I'll keep looking for the best deals, whether for energy, utilities or mortgages.

Do you keep an eye on your 'future finances' even though, maybe like me, you're not there yet!

Until tomorrow,

Froogs xxxxx

Tuesday, 14 June 2011

Enjoying not being normal!

In my post epiphanaeic smugness, where I don't shop, where I don't 'do' retail therapy, I live, in what feels like, a parallel universe to many people. Nothing I can hold in my hands, other than those I love, gives me any pleasure at all. I've learnt over the years that happiness is not external. It's not something that is reliant on what you are eating................and yet many of us have tried to eat our way to happiness. It's not something that we can buy..................and so many of us have tried to buy happiness.

A few years ago, when I was so low I didn't want to open my eyes ever again, I was referred to counselling. It wasn't a good experience. The counsellor, who is trained to ask questions and then allow the person who is being counselled to come to their own conclusions, asked me how I felt just after I'd had my hair done and got my make up on and asked me to remember that moment. I looked the poor unsuspecting man in the face and with a steely, 'I can kill you at any minute' rebuke remarked that I felt no better or any worse under those circumstances. He then thought he and I should discuss those little 'luxuries' that lift our spirits. He talked about bubble baths, a nice glass of wine, some chocolate or a trip to the shop to treat ourselves. As I was in a very, very dark place, I think I told him he could go eat **** and have seconds! I didn't go back! Sometimes, I think that counsellors are being sponsored by Debenhams!

The last three years have taught me that nothing I can buy, eat or even cook actually makes me happy. I have taken responsibility for my own well beings and I have decided to be happy and therefore I am. (I know, all a bit NLP, but it works for me)

 I am utterly smug about not shopping and not owning, and not wanting. I feel completely superior that, on my way to enlightenment, I have maybe found the answer (life,the universe and everything.............42?) I counted up the pairs of shoes that I own. Seven pairs, including wellies and recently purchased charity shop hiking boots and trainers. I own one dress. I own one pair of jeans. I own two coats and so on. Nearly everything I have is from the Sally Army shop, ebay or the car booter. So why all the happiness? In my life, up until recent years, I felt as if I had to 'do as I was told' and that somehow, I had to fit in. Well, I don't. I don't have to wear the 'latest fashion', I don't have to have my hair done, I can wear the same shoes for years on end, I can wear the same colour every day as everything matches! I can just open a tin of sardines and have that for lunch, whilst eating it from the tin with a spoon.

What ever normal is, or was, I certainly don't subscribe to it any more. Shopping? I'd rather go home and turn my compost!

Until tomorrow,

Froogs xxxxx

Monday, 13 June 2011

There by the grace of God go I.

Poor Kids

Thanks to Sharon and a Facebook link, I watched the BBC documentary 'Poor Kids'. I live in the 5th richest country in the world and yet every day, thousands of kids live in poverty and total squalor. I've put the link above and would ask any one who hasn't seen it, to do so. I don't think you can watch it if you live outside the UK. It's filmed, with the parents permission by just letting the children talk. What they say is devastating to hear.

When I think of my childhood, we were 'skint'. We lived in a cold house, washed in cold water every day but Sunday, which was bath day and we ate a variety of kinds of stew or soup. My parents were though, incredibly resourceful. My dad, and just about every body's dad fished of Par harbour wall, off Spit beach and off Polkerris. We ate soused mackerel and fried whiting, until, I probably stunk of it. Dad's idea of entertaining us was to take us 'crabbing' for the huge brown crabs that lurk in hidey holes in rock pools and we would drag them out with a 'crab hook'. He used to take us bird watching and lift us on his shoulders and if we promised to be very still and very quiet he would show us black bird nests and we would go back and see the chicks. We ate homemade bread with blackberry jelly and we ate it every day for breakfast. We had chickens in the back garden of our council house, behind the rows and rows of veg and we had eggs, but not many.

 We had 'clamps' for root veg and kilner jars ranged on shelves in sheds filled with tomatoes, stewed fruit, more stewed blackberries. We would walk, with a knackered old pram to fetch parafin out of the Esso blue machine outside the iron mongers on Hambleys' corner. In fact, that knackered old pram (I remember feeling ashamed pushing that ****ing thing around! ) went to Dave's discount in St. Blazey, which was  a fair old walk from where we lived and mum used to buy a 'fore quarter' of beef, all of which must have died of old age and needed the regulation stewing for days on end on top of the 'rayburn' in the front room. But, we ate hearty meals and there was always plenty of it.

Everything happened around that rayburn. School blouses and knee high white socks used to go in a big jam pan on top of it, with a sprinkle of Tide and would come out gleaming, they they would be hung over the Rayburn to dry. In the summer, they blew dry in the breeze. We used to fetch a kettle off it to wash up and wash ourselves (the council never fixed the back boiler in all the twenty three years mum lived there!) We would sit by it as our only source of heat, the oven door open on a Sunday as we sat with our back to it to dry our hair. Bread would be rising on it, baking in it, washing would bubble away in a big pan ontop to be fished out and spun in a spinny machine that mum would have to sit on to stop it wandering around the front room as she caught the water in a bowl beside it.

Knit wear came from jumble sales, was unpicked, re-knitted into waistcoats and pullovers for us all and crocheted into blankets for our beds. Clothes were altered and refashioned. When A line skirts were 'out' and straight skirts were 'in', mum would alter them, collars were turned, school jumpers unpicked and refashioned to fit the next term. Shoes were always cleaned and our school coat brushed before we left the house.

Entertainment came from the local church groups, Sunday school, the village fete, the school fair and Christmas Bazaar. The ECLP works do for kids at Christmas, with something nice and new to wear, mum and dad dancing, mum a bit tiddly on a glass of Blue Nun and dad with a pint of Watneys.

We were by any comparison, a skint family. Sweets were for Christmas and birthdays, holidays were unheard of, we some times went cold and we didn't have a choice of food. Unlike the kids in the documentary, my parents kept us scrubbed and clean to the point of gleaming, fed us before they fed themselves, did the very best to keep us warm, read library books to us, walked us to Sunday school, and even made toys for us to play with. After watching in awe at Blue Peter, where they made a house for a 'Cindy doll', unknown to me, my dad worked quietly at night and made one for me, and the furniture! Mum used to make dolls clothes for us and my brother had the most amazing homemade 'dilly cart'. I remember hating Christmas because other kids would boast and at the beach kids had ice cream and I didn't. But I can look back now , at the most amazing childhood of home grown food, homemade clothes, and parents, who without any money, sometimes unemployed due to be off 'long term sick' did the very, very best they could for us.

Please follow the link to the BBC i-player, please watch it. I also felt compelled to do something. I found the local 'foodbank' in the area where I work and where I live.



I've emailed and was given a shopping list and was told they would be grateful for anything on that list. In my area, hundreds of boxes of emergency food have been given away. If you lose your job, and there is no redundancy package, it can be weeks and weeks before anyone gets any money at all. In the meantime, or should I say, in the lean time, they rely on handouts if they are unable to run up huge debts. They want simple things such as UHT milk, fruit juice and cereals, tinned meat of fish and so on. If you live in my area, 'google' Liskeard Food bank and they would be glad of donations; it's a national network and there may be one in your area, in that case just google the name of your area, followed by 'food bank'.

I could have been the unlucky ones, some of the kids I went to school with were dirty, smelly, tatty and lived in houses that smelt of chip fat and ciggies, mine smelt of homemade bread and crisp drying laundry. As I said, there by the grace of God go I.

Until tomorrow,

Froogs xxxxxx

Sunday, 12 June 2011

Scrimping in the warm and dry!

 As I type, the wind and rain is lashing at my hill top house. The rain is being blown down from Bodmin Moor and in from the sea at Looe and Liskeard, in the middle is being deluged. And, do you know what? I bet everyone here is loving it. Fortunately, my poly tunnel is protecting my veggies from the elements and the rest of my garden is getting the soaking it desperately needs. My water butt is filling up and I've put the dust bin outside with the lid off (and a huge stone in the bottom) to catch any rain it can. I've also left two buckets out as well (also with stones in so they don't blow away) to catch the water.

It's a bit chilly so we're back to socks and wooly pullovers and in true Widow Twanky style, my house has laundry hanging to dry from every available space. It's tough gettting work clothes clean and dry for Monday in weather like this!

I've had a dig round in the cupboard and found some more scone mix (bought a while ago from Approved Food) and a half full pack of sultanas and I've rustled up some scones for the freezer. They only take 15 minutes to cook in a hot oven, so economical on energy too. I baked today and yesterday in my mini-oven, and although I had reservations about its baking abilities, they have come out quite well. I've got loads of school prep to do today and I'll be in the lounge by the big window to get any light there is, under a snuggly blanket as sitting still is not good in this weather.


Is anyone else thankful for the rain?

Until tomorrow,

Froogs xxxxx

Saturday, 11 June 2011

Busy Saturday and nothing spent!

 It was just a week ago, that at this time, I was wandering around Auray about to go to lunch. Today is just about reality and being frugal and a wee bit eco. Every peeling, shredded newspaper and anything biodegradable goes into our compost, and that is being used to grow our spuds in bags. I use my tea bags and coffee grinds to add nitrogen into our plants. Anything grown in a container needs feeding. I rip open the tea bags and keep the tea and then dig it into the soil and compost around the plants in containers.
 Today, has been extremely busy. I shopped at Tesco (online) and my week's groceries, including pet food, toiletries and cleaning products has come in at £35.75 including delivery. I have lots in my store cupboards to supplement and I'll be using them up for a while. I've also been picking beans and courgettes and they are also supplementing. I've baked a fruit cake for Dearly Beloved to take some to work every day and I'm using up a lot of what we've got.
 Today started with a rigorous house clean. Here in Cornwall, we get a lot of damp and therefore a lot of black mould. I get round this with 21p Tesco value bleach, diluted 50:50 and I spray it on the mould, leave it a while and go back and clean it off. The shower gets mouldy, so do the window frames and corners of rooms, I keep on top of this and usually tackle an area every week.

I've also spent time on recycling today. My towelling bathrobe, that I bought well over ten years ago has all but given up, so I've cut it up this morning for my rag bag. I usually make wash mittens or dish clothes, but I'll keep it for when I need it. One of DB's tee shirts has also given up, so I've cut it into strips to add to the knitted bath mat I'm making.
 I spent a while this morning compiling my menu plan, based initially on what's in the house to last us until Wednesday, when my Tesco delivery arrives between 8pm and 10pm. It's £2.50 cheaper to have it delivered 'off peak' and I can't buy any extras if I don't go to the shop!!

Here's the weekend menu plan

Saturday lunch - Chicken cooked in honey and mustard sauce - 3 for £1 from Aprpoved food and part of my spare food stock (next to no sauce for me courtesy of Monsoir Dukan's advice) with salad - I cooked twice as much last night.

Supper - Corn beef hash for DB (remainder of tin into the fridge to go in his sarnies next week) I'll have some dry fried courgettes with a dash of garlic, with a tin of sardines (21p Asda cheapies - I have several tins of these stashed away) and we'll both have green beans from the poly tunnel with theses.

Sunday breakfast - scrambled egg (I just microwave it) and eat it plain, whilst DB will have his on toast.

Sunday Lunch - beef stew made with carrots and onions, some gravy (don't tell Pierre!) and DB will have some of our early new potatoes with his - I won't.

Sunday supper - steamed smoked haddock (piece reduced to £1.19 in Morrisons) with spinach (out of the freezer) and DB will have some new potatoes and I won't!

Monday Breakfast - oatmeal pancakes for breakfast and DB will have cereal and miilk.

Lunch - DB will have corn beef and homemade chutney sandwich with a piece of fruit cake - I'll have a pot of Tesco Value cottage cheese.

Monday supper - 100% beef burgers with salad, DB will have some homemade oven chips with his - I won't!!! (simple - we eat the same, I eat less and fewer carbs)

Tuesday Breakfast - both can have a ham omelette.

Lunch - DB will have sarnies and cake, I will have a tin of sardines, some toms and a yogurt.

Diet will liven up then as Tesco order will arrive!
 Many people have said very complimentary things about my debt repayments, and my determination to live a simpler life. It does bring its benefits. We eat less so we're healthier. We amuse ourselves so we are less and less reliant on money and we know we can live on very little. This in turn means we don't dwell on what we don't have or might not have in the future. We enjoy the little we have and get on with life. This has had a positive impact on our mental state and we think, as often as we can, about the good things in our life.
 I've had a really good work out in the house this morning. I've cleaned the inside of all the windows and got rid of all the mould around the window frames. I've washed all the clothes and bucket by bucket, watered the borders in the garden and even had some spare to pour onto the lawn. I've showered and washed my hair, as ever, standing in a big blue plastic box and poured the water into spud bags.

It's a busy life, but extremely rewarding. The 'down time' today will include: getting out with some music and getting at least a three mile walk into my day, reading my library book, catching up on the paper DB found on the train last night and walking the dogs.

Busy Saturday and nothing spent..................what a perfect day!

Until tomorrow,

Love Froogs xxxxx

Friday, 10 June 2011

You heard it here first!!!!

I declared war on debt in 2009, I haven't bought any more than the bare necessities since! Today, saw a major defeat of debt in a huge battle. I came home and got onto moneysupermarket and various O% credit (with a 2.9% transfer fee.......still a 10% reduction in creidt charges) card deal sites and got a Natwest card and transferred my car payments, which were at a blood sucking 13.9% and transferred the 4.5K balance onto the card! I also scooped everything, out of every account we have and paid the last £650 off the last credit card (all of which had been transferred to 0% as well!!!!) The balance transfer will save me £549 in interest payments and (drum roll!!!!!) We now snow ball the payment from the car payments and what we were paying for the 0% credit card together and that means the last payment will go on on New Years Eve this year! All that will be left then is the home loan and with the snowball rolling in that direction................we will hit target by paying our last payment in July last year!!!!!

Never fear dear reader; I'm not about to go out and buy new clothes or pay to have my hair done (any way Foster Mummy gave me the best hair cut I've ever had!) Nor am I about to start shopping in Sainsbury's or Marks and Sparks..............life will go on as normal!

Oh yeah! And to celebrate? I switched in the gas boiler! Heated the water and had a deep bath!!! I can nearly afford it now!!!

Thursday, 9 June 2011

Increases mean decreases!

Let's have a look at everything that increasing in price. Food, almost 25% increase and each time I go back to the supermarket, I notice increases. Energy, has been predicted to rise by 20% And salaries? Well, they are the same. This all means, we will have to decrease the amount of food we buy even further and decrease the amount of heating, hot water and lighting we use altogether. This will mean more veg and lentil soup, more blankets on the bed and on our laps in the evening. Fewer uses of the washing machine and wear the clothes for longer. Less of everything and yet, pay the same! I think I'll cope.

 We'll all have to discount store shop and then, with a small list, stick to it and eat it slowly!
 Dearly Beloved will have to stock up on pasta to fill him up.
We'll all have to eat less.

Plus, some of us are facing pay cuts, redundancies, pension cuts and will have to be even more creative with even less. Downsizing will not be an option, it will be a necessity. What will you have to do with less of and what are you expecting to pay more for and not even get as much as you do now.

We'll all have to be creative together!

Until tomorrow,

Froogs xxxx

Wednesday, 8 June 2011

What would I change? What would I keep the same?

 Another month and another round of debt snowball repayments. We often sit down and talk about what we'd change. You know the conversation......'when we are debt free....'. There are things I wouldn't change. I would never go back to wasting energy or money on energy. I would not own a tumble drier and I would still dry laundry on racks. I would still use Tesco Value cleaning products and toiletries. I would still buy clothes in Matalan and charity shops. I would still grow veg and sell items we don't need on ebay.

I would still not heat the water and use shower water to flush the loo, I would continue to use washing machine water to water the garden. I would still go to bed early and use the electric blanket as my main source of winter heating. I would still batch cook, make homemade and reuse and recycle.

I would however be able to sell up, get a better mortgage deal and downsize. I would then be able to over the pay the already smaller mortgage and pay off my mortgage earlier. I would have a bigger ISA fund, a bigger savings fund,a bigger emergency fund and would be able to help my children more.

What would you keep the same and what would you change? We've got just under a year to go and we're exploring our options. What would you suggest?

Tuesday, 7 June 2011

Making the most of cheap ingredients

 When you try and keep food costs to a minimum, the 'nice things' often cost so much that you just don't buy them any more. Spices are great but can often go off and curry pastes can be too expensive that you just don't buy them. I tried Lidl's thai curry paste and their garlic paste. We love garlic, but I don't like my hands, my chopping boards or my worktops to smell of it so I tried garlic paste and it's remarkably good.

Tonight, I made a stir fry of what ever I had and used some of my 'Approved Foods' store cupboard essentials to liven things up.
 The butternut squash and broccoli were on the yellow sticker reduced to go section of Morrisons and were less than half price, the onions and peppers have been lurking in the bottom of the fridge since before we went away.
 The prawns were half price and on offer (Muriel - this is how most seafood is sold in the UK, even lobster and langoustine are cooked and frozen and 'pret a manger') and the chard is out of my greenhouse.
 A very quick flash fry in a tablespoon of oil.
 Add half a pack of frozen prawns, we could easily eat more, but we can do with less.
 I added a spoon of thai curry paste and mine was ready to eat.
 To the rest, I added the chow mein sauce, bought from Approved foods four for £1.
 The above photos are in the wrong order, but I added the shredded chard at the end, I just wanted to wilt it.
 Dearly Beloved had his with rice, Tesco Value of course! I had mine, Dukan style, without sauce, without rice. Heaps of nutrition, lots of fibre and tastiness and not many calories and very little cost.
Veggie days are my favourite days when I get to eat as many of a certain type of veg that I want, and as you can see by my bowl full, I like plenty of veg!

Until tomorrow,

Love Froogs xx