2012 ~ the Demise of the Slack Tart Movement...

One step forward at a time... 

Let's welcome back the No Spend Challenge! 

And that whole concept of budgeting, planning, debt reduction, living over surviving and getting the balance realigned to our new environment and circumstances.  Oh Boy ~ do I feel like I have been the total slacker these last few months. 

Please know its been a big move from Ballarat Victoria to Bundaberg Queensland ~ not just in kilometres, but also the relocation and settling into schools, doctors, therapy and new friendships. The restocking of food stuffs, getting of uniforms, discovering of warmth and building of garden while learning about all the new plant 'preferences' and foods which grow in abundance! 

SmallBoy loving the lifestyle change 

Good to advise we have done it well! We've not added to the debt which is a relief. We've been able to trade foods for babysitting for wine ~ some times its about the bonus you receive because you wouldn't be out buying a box of beer too often so the odd 'thank you' slab has been a treat for Hubby. 

SmallBoy has surpassed all expectations, settled into the interrupted school year and made friends who will be joining him at the same high school in the next few weeks. 

Several classmates live very VERY close by so daily after-school and weekend visits here, loitering around here in conversation before heading to the various 'theres' has helped with socialising and friendships. He's got a mix of both guys & girls in his friendship groups ~ we've even had sleep-overs with both attending. OK ~ we admit ~ we did separate the sexes and the beds...

Such a relief and pure joy to see his confidence and personality developing. SmallBoy really has adapted well and relished the opportunity to make changes and develop his strengths. 

Plus he was super with the littler kids we spent time with throughout the travelling and again over New Year ~ even if he is 'so adult and mature for my age' at 12, its still a relief to be a child and play chasey, wave sparklers, play on the slip n slide without aggro, decorate cupcakes with the odd icing flower...

There has been a lot of making-do ~ I've seriously not bought any new clothes for me or Hubby since we've arrived, with SmallBoy really only needing school related uniform purchases. We've all had a pair of new sandals ~ an appropriate purchase that really was needed. They appeared under the tree for 'wrapping' the expenditure. 

Let's Start With Incoming and Outgoing...

Really simply and loosely ~ the current income comes to $676 per week / $1342 per fortnight. That covers all the pension, family payments and income we receive on a regular basis ~ Hubby has been actively looking for work, even if only a few days produce-picking to start would be fine. He has a few applications in and we wait with eager anticipation of a positive response. There's not a lot of work available - and plenty looking.

The outgoings are almost as simple and err'd on the side of the extra dollar - rounded up, not down to the nearest $5.  The current weekly outgoings are $650 per week / $1300 per fortnight ~ including a $15 weekly save to build up the emergency fund again. 

The menu for the week has been planned around what we have in the freezer, the pantry and can get from the garden. We've got carrots, asian greens, lettuce and some tomatoes which will add veg factor to a few meat, rice/cous cous meals. Instead of using this week's shopping budget of $75, I hope to do a $25 week and really only that much if I happen to feel there is a need to shop at the Co-op on Thursday or market for fruit and veg.

By going through and seeing what we've got and how we can get around without needing to buy any additional produce, our week and a bit of dinner menu, catering for three hearty eaters, is looking like this:

Sat: Pork Schnitzel and Spiced vegetable cous cous (meat $4, cous cous $1.50)

Sun: Chicken and vegetable pie (meat $1.50, veg $2, pastry $1)

Mon: Pasta ~ gnocchi and a tomato/zucchini/onion type sauce (pasta $2.50, sauce $2)

Tue: Butter Chicken and beans on brown rice (around $5 complete)

Wed: Pork Char Sui stir fry with noodles (meat $4, noodles $1.50, veg garden)

Thu: Vegetable pasties (bits from the fridge & freezer in pastry)

Fri: Tuna patties and chips ($3.50 patties, $2 potatoes)

Sat: BBQ & salad (9 fancy snags $3, salad garden, poss cucumber purchase)

Sun: Roast Beef & veg (meat $6)

Mon: Pie & veg with left over roast

Saturday's Fare ~:~ Crumbed pork schnitzel

Pork - $4.20, marked down from $11.90

Crumbs - grain bread, free; seasonings, garlic powder, parmeasan cheese (sprinkle)

1 egg for crumbing, free (thanks L&M's chooks)

Cous cous - Ainsley's packet, on special $1.50, exp 3/12

The basic ingredients ~ look at that meat score!!

All the bits to make the bread crumbs tasty 

A picture simply cannot convey the aroma and flavours

And thus we have the first of many meals under $2 per head. Left with a full belly and not much to do other than thank the chef...

Things that make change

Who said you had to spend heaps to make a veggie garden? 

OK ~ you probably didn't but I know others who have. In the past six weeks, we have not only set up a raised veggie bed for nothing, we've got the seeds, fertiliser and more in for next to nix. Building the garden bed used a lot 

We have saved hundreds of dollars over the years. Instead of paying up to $5.00 for packets of seeds which may or may not sprout, we have started grabbing packets of seeds from the herb and soup sections of the supermarkets. 

The seeds you get for coriander, mustard, fennel, cardamom or celery in spice packets from the supermarket for cooking can be planted in your garden. These normally cost around $1.00-$1.50 per packet and you will get a lot more seeds than the packets bought from a plant store. 

We also get the full dried peas (not freeze dried) from the soup section (with the lentils and McKenzies packet mixes) and these successfully grow ~ we've had the sweetest sugar snap peas ever from soup peas! A packet normally costs $1.50-$2.00 and you get well over 100 seeds. In comparison to buying 'packet' seeds it would cost you five times as much for about 20 or so seeds. Just remember not to buy the split peas ~ they won't grow at all.

Another way to save buying seeds is cut the ends off shallots and replant them, it takes about three weeks before they get over their 'shock', but you will have an endless harvest of shallot stems to use in salads. We do the same with old onions, including salad onions, that have hidden themselves away in our cupboards and sprouted. Plant them in your garden, let them flower and go to seed to get great seed stock for the next few years. No need to buy more!

Garlic can be done in the exact same way. Grab a clove and plant it flat end into the ground. After about four months you will get a great bulb of garlic from your original clove. A few cloves turns into a bumper crop and look great drying in the pantry or kitchen. Be aware that garlic from China or Mexico has usually been treated with Bromide (a carcinogenic) so only use Australian grown garlic.

Pumpkin, cucumber, capsicum, tomato, chili and other vegetable seeds can be cleaned, dried and then planted out to give you more seed stock to play with. If you plant two different types of pumpkins near each other, they cross pollinate and you can end up with a hybrid which tastes great. We usually let one or two of each vegetable go to seed so that next years planting will cost us even less. This works well with  lettuce, silverbeet, rocket, Asian greens, mint, corn, loofah, tomatoes and sugar snap peas.

Old potatoes and sweet potatoes that start sprouting can be replanted and will give a good crop. Just cut a sprouting part of the potato and plant it, from one potato you get up to five new plants, with around 30-40 potatoes from each. Some people don't recommend the growing of potatoes in old car tyres ~ we've never really had an issue with it as it has always been easier to add an extra tyre and layer of dirt as the potato plant leaves come through the soil ~ but you can always use an old hay bale or hessian bag of soil if you'd prefer.

Sowing broad beans, carrots, onions, radishes and spinach can be difficult and fiddly and the best way to solve the problem is to make home-made seed tape. It is an easy family activity and something we've done for years. I actually submitted this as a hint to Simple Savings about four years ago and its still there in the Vault and was mentioned in one of the newsletters.

1. Unroll a strip of toilet paper on a table (any ply, unbleached and non-scented), to the length you wish. While it might seem quicker to do one long, straight row it is easier with a few shorter strips when planting out.

2. Make a thick paste of flour and water. Dab the paste onto the toilet paper using a cotton bud, spaced apart as per the seed packet recommendation, for example 20cm.

3. Place a seed on each paste blob.

4. When the paste is dry, the seed tape is ready to fold. Starting along the strip's long edge, fold a third of the paper over the seeds, then fold the other third over to cover the seeds completely. Lightly dampen the paper, misting it with a spray bottle of water to secure the seeds. Make as many of these strips as you need then carefully carry them to the garden.

5. Make shallow furrows in the prepared soil, lay the strips down, mist heavily with the spray bottle of water and cover with soil. Now, your seeds will grow in straight, spaced rows. Tip: Alternate carrot seeds with radish seeds because when the radishes sprout, they help to mark the row and break the ground.

The key to a successful veggie garden is good watering practices ~ having lived through drought in Victoria, investing in a water tank was the only reason we kept ourselves in vegetables until I became physically unable to tend the garden and Hubby's lengthy absences due to work made it an event in weed cultivation. 

Already we have Asian greens at the usable stage (although leaving them another week or two will mean they are bigger and require less in our stir fries) and we are about to sow the second cropping of corn, peas and carrots to ensure they are growing in a staggered manner. We have lettuce going to seed to add to those already growing and hope to have the beetroot ready for salads in the next month. 

This Fortnight's Menu

It's posted a little later than I hoped, but we have been eating to the menu as planned. The list was written up on Sunday and stuck on the fridge as usual, so I've extended to carry through to next week. In the middle of welcoming back my long lost kitchen Tupperware friends, released from the cold Ballarat shed and reunited with us here in Bundaberg. Oh FridgeSmarts, dear ModularMates ~ how I have missed thee... 

Yes, well - so here's what we've been having and what we will have going forward.

Sunday: Pork chops and steamed vegetables

Monday: Spaghetti Bolognes 

Tuesday: Tortellini with tomato, chilli and basil sauce

Wednesday: Pea & Ham soup (homemade, SmallBoy had face plant - will elaborate over the weekend)

Thursday: Pea & Ham soup for SmallBoy; Peri-Peri chicken salad for us - both homemade

Friday: *Splurge* Takeaway burgers, fish, seafood, chips

Saturday: Vegetable pasties

Sunday: Roast Chicken with all the trimmings - Happy Fathers' Day - :D

Monday: Thai Beef Salad (of sorts)

Tuesday: Chicken and vegetable pic

Wednesday: Tuna patties and salad

Thursday: Veal schnitzel and salad

Friday:  Nachos

Saturday: Gozlemes

Sunday:  Roast Pork

Having just eaten down our Ballarat pantry ~ moved to Bundaberg with 'nothing' and now building back the basics including herbs, spices and oils before we focus on too much stock piling purchases. I do want to make sure we have extra flour, sugar, rice and some other staples (considering this is the first time in years I've actually got no rice!!)  We are fine for cleaning, washing products - I have an abundance of shampoo & conditioner thanks to a trial on Soap. Couldn't give away as much as they gave me!

All the cat food has been sent up (thanks Mum) so that will last through until the end of the month of September - 15 cans and two packets of dry food (plus extra litter) is a huge saving! 

As September is school holidays, and we are going away to the Gold Coast with friends for four days in week 3, then we have 4 extra mouths for week 4, I've got a little spending cash aside for some restaurant meals. I've already planned some of the menu for visitors and have most of the items in the freezer already. I also expect that friends will contribute to some of the groceries - especially while we are on the GC. 

Week 1 - w/e 01 September ~ Budget $100

Week 2 - w/e 08 September ~ Budget $ 50

Week 3 - w/e 15 September ~ Budget $ 50

Week 4 - w/e 22 September ~ Budget $100

Week 5 - w/e 29 September ~ Budget $ 50

Part of this week (Week 1) shopping are some of those staples - just to start building some in reserve. It was suggested that, in anticipation of our first 'wet season', we do use some of the budget to ensure we have extra and start rotating stores as we get the chance to increase the volume. I'd like to have 5kg of brown rice on hand, so if I buy 1kg now and look for specials on 1-2kg to build it up. 

Time to relax ~ bit of a garden and sorting kinda weekend. Hubby has brought some personal 'home' items for us to intermingle in the house, more of our belongings are out of the camper and finding places to be kept. We are finding our place and making our mark ~ I do like the feeling we are creating. Almost a full school term has passed, we've been here in our own for six weeks and so much has been achieved. Time for reflecting over the weekend too I think *nods*

Spending ~ to aid the children...

Yeah, I can justify $70 spent at the school fete. It's the other spending which is getting a bit ridiculous...

After twelve months of penny-pinching and stretching everything as far as possible (plus a little bit more), our move has resulted in an extra $100 a week available in our budget. And we've been using it on silly things, like $10+ bubbles, chocolate, new books (as in full price, not op shop) and take away coffee to the tune of $50 a week. Ridiculous and frivolous and not really within our spending/income capacity.

We knew upon arrival we would have some outstanding bills regarding the tenants and the need to restock the pantry ~ arriving with nothing food-wise meant a few hundred dollars would be required.

I think we are now at the point we can reign in the spending, return to a weekly budget of about $250 and use the rest to pay down the debts. Time to head back into the Simple Savings Vault and refresh ourselves on some of the great ways to make do without missing out. It's definitely time to get back into baking and making our own repairs on clothes. Most importantly, its time to get back on track with menu planning and grocery shops.

Our principal ~ the queue for this was enormous! 

(as for the $70 at the fete, no ~ I can't really justify $70. Had it stayed at the planned $30 it would have been reasonable, or if we'd won something in one of the raffles maybe, but as neither happened I guess I have to put it down to a 'we've never been able to do that before' experience and never do it again...)

Menu planning miracles 

I have been menu planning now for well over a year although I must admit to being a little lax over the last month while settling in often changing our minds on a whim, or even worse taking the lazy way and getting take-away. So its time to get back to the way I was before we left Victoria!

Meal planning has transformed the kitchen into an organised place where all kinds of delicious aromas float about and mouth-watering meals appear with minimum stress, fuss or panic. No 'its six o'clock and I have no idea what we are having for dinner' in this house.  Even better, they arrive on the table with little or no impact to the bank balance. I can't believe how much I can save on our food bill while our family get to eat better than some of the local restaurants and hotels. All it takes is a piece of paper stuck to my fridge!

I never thought I would be the kind of person to follow a meal regime having been an ad hoc dinner preparer for decades, but the results are so startling that I am a total convert. I've always enjoyed cooking; I just saw it as something I never had enough time to do for every meal, every day, especially when we all worked or studied full time. My collection of recipe books had been neglected, even those I picked up at the OpShop with good intentions of picking one new recipe to try every week. Tipping that goes for a lot of people :D

After stopping work and waiting for spinal surgery (and more so when back on my feet), there had to be a way to ensure good meals would be made, especially if I was to run out of oomfph and Hubby was picking up the slack. I reviewed what was on hand, had a look through my good old 'Cookery the Australian Way' school book and other simple meal type recipe books, drew up a menu plan and straight away couldn't believe how quick and easy it was to jot a menu plan to paper. Here's how I do it:

Step 1: Food on hand:
Have a look through the fridge, freezer and pantry. What staples are there? What meats are in the freezer? What vegetables have I got in the crisper (or garden) to use? Do these form an entire meal or what extras do I need to make the meal? Is there something here (say with mince, or chicken) that I can base a new/untried recipe around? Is there a recipe I have been wanting to try? Can you make one meal stretch out into two? Pies are our usual stretch meal ~ making the Sunday roast return later in the week. Or if there is only a little left over, its a pasta sauce or weekend toasties.

Step 2: Choose some recipes:
Check recipe books, go online, ask a friend for that delicious meal. No doubt you'll have your stock standards and your favourite weekly/fortnightly recipes, and a couple of bulk recipes that get made every few weeks to stock up ready for quick meals or lazy brain days (also known as 'ooops - forgot to take the meal out of the freezer' days).
When you find a recipe you'd like to add to the week's dinner repertoire, pick a day on your menu planner and write it down. I write the name of recipe book and page number, or the website address and recipe name on the menu plan. As well as making it easier to re-find when the time comes to cook, it ensures that Husband knows where to look in case I am having a 'medication' day, or muscle spasms and finding it hard to manage on the day.

Step 3: Check your schedule:
You do need to bear in mind what your commitments are for the week - if Tuesday night is training night meaning you're home later than usual, that is not the best night to schedule making roast pork marinaded in an orange and ginger demi-glaze, with perfectly crispy crackling for the first time! But its the perfect night to schedule the slow cooker meal this night, or use a portion of bulk cooked bolognese and simply prepare the pasta.

And menu planning is not just the dinner schedule, think about some baking to cut the cost of store bought snacks or work day muffins. I've got into the habit of adding one biscuit recipe and one cake, slice or muffin recipe to make per week and this gives us enough for the week's lunches and afternoon teas. Home baking alone has saved a small fortune on snacks and lunchtime treats.

Step 4: Write the shopping list.
While you're filling in your planner, write down any of the recipe ingredients you don't have or need to check the cupboards to see if you've got enough. While finalising your meal plan, you get to start your shopping list for the week. I try to have planned my menu on Sunday, buy everything on my shopping list on Monday or Tuesday when mark downs seem to more available and I'm done. Being prepared with the shopping means I don't end up popping back for 'one more thing' and walk out with 10 or so 'great buys'. It's not a great buy if it blows the shopping budget, is it?

Step 5: Put it up!
My planner is on the freezer or fridge where everyone can see it every time they go to the big white box in the kitchen. I look at it each morning and go straight to the freezer to take out any meat that needs defrosting and I am half way there to being ready. Hubby and I know exactly what is on for dinner and how long it will take. It really is that easy!

We eat consistently on time at a suitably appropriate hour because I'm not fluffing around trying to think what to cook. Being organised is much better than throwing any old thing together for the sake of a meal - dinner is a great time to sit talk, enjoy a meal and wind down after a busy day.

I'm enjoying cooking new things and the family is enjoying eating them. Because the meals are balanced, it's much easier to adapt them to suit everyone's preferences or tweak to work in with what we have on hand. It has also helping me to restock our pantry from scratch without the need to spend $100s immediately on all the herbs, spices, oils, flours, sugars and tinned items like tomatoes and tuna I had accumulated over the years for daily, weekly and occasional use. Meal planning ensures I know what is in the cupboards and I can get new, fresh goods as the need becomes apparent.

Use any recipes you like for your menu planner - you know what your family will eat! Our meals look as if you have spent ages preparing them but they are so quick! The meals look as good as those we've had at restaurants, often taste better and certainly cost a heck of a lot less.  With the majority of ingredients used being items you already have in the pantry,  primarily Home Brand and generic ingredients, I can usually have the evening meal budget come in around $2per head. It's sitting around $2.50 at the moment as we find all the bargain spots and wait for our first veggies to grow ~ but it means a weekly shop of $50 is not unrealistic and the odd bottle of bubbles can make it into the trolley. *grins*

This weeks menu is/was:

Sunday: Roast Chicken (Tandoori) and veg
Monday: BBQ T-Bone steak and salad
Tuesday: Veal Tortellini with tomato and basil sauce
Wednesday: Tandoori chicken and veg pie
Thursday: Roasted pumpkin soup with Turkish pida bread
Friday: Fish patties and chips
Saturday: Baked beans, Bacon and eggs on toasted grainy bread
Sunday: Roast something - probably lamb or chicken (in the freezer)

The tortellini was one of those fresh deli packs, servings for four, marked down to $3.03 from $5,90; bought 2 and froze them. I am making the soup this afternoon, using the remaining pumpkin bought for $2 from the Shalom Market trip 3-4 weeks ago, and will share the recipe on FaceBook. The fish patties will use up the left over rice frozen from last week's stir fry and a tin of homebrand tuna.

If you are interested in seeing and using the menu plan, or my shopping list / pantry stock take sheet ~ leave a comment and I'll work out how this can be made available for followers to use. I've used google docs previously, however any suggestions would be welcome.

Time to get ready for the school walk ~ hope to catch up with you all during the day and I'll get that pumpkin soup made and the recipe posted on FaceBook.  Enjoy your day and let's lower that debt and increase those savings together.

12 Ways You Can Start Saving Today

Living on a Budget, Frugal living, Savings Year, Debt Reduction Year, No/Low Spend or whatever name you want to give to time spent living within particular cash constraints (because you're not using your credit card are you!) does not have to involve drastic changes. Just a few simple everyday alterations to habits can go a long way to removing debt and start to build savings.

Remember too ~ a savings plan does not mean hoard your money and never use it. I believe savings should have a goal or target amount ~ starting with an 'available when required' emergency fund of around three months income or $3000 (whichever is the greater). Savings should also have a purpose - be it a house deposit, a holiday fund, enough to get landscaping done or a water-tank installed. 

Bob Proctor, business man, life coach, author of six minutes to success, says: "Always remember, money is a servant; you are the master. Be very careful not to reverse that equation, because many people of high intelligence have already done so, to their great detriment. Unfortunately, many of these poor souls loved money and used people, which violated one of the most basic laws governing true financial success. You should always love people and use money, rather than the reverse!!"

Here are 12 changes you can make today to get your savings under way and start living a frugal life without taking the frugal life too far over the 'tight-arse' line.

1. Eliminate Daily 'Luxuries'

Stop buying sandwiches from the deli, bring food from home and enjoy lunch in the park; Borrow books from the library instead of buying magazines; Read the news online rather than grabbing the paper to read on the train ~ all those 'normal' daily habits which seem inconsequential as small individual purchases add up - costing you a fortune and not even be factored in your budget. There is nothing wrong with the occasional treat of lunch out, and we all should be able to treat ourselves every so often, but regular daily expenditures you can easily cut down without a dramatic impact on your life. Instead of buying a coffee every morning ($4 per cup = $20 per week), make it at home and save $1,000 annually on coffee.

2. Prevent Repair Costs

There should be no need to avoid spending on maintenance - without regular maintenance on equipment, home and personal health, the repair work may ultimately cost more. Keep up to date with your oil changes, water, plugs and tyre rotations on a regular basis to prevent expensive car breakdowns. Regular maintenance and repairs around your house; regular check ups at the doctor and the dentist; Cleaning out the filters of whitegoods will help reduce costly repairs creeping up on you. 

3. Share Kids' Stuff

Buying clothes, toys and baby equipment can be expensive and rarely is it all used to its full potential. Share your kids’ stuff with your family and friends. This allows your children to play with a variety of toys without the expense of buying each item ~ kids today seem to have too much 'stuff'. Sharing allows the variety to remain affordable. Those little baby clothes are outgrown so quickly - usually with minimal wear. Create a system that will allow multiple households to share in the fun and costs together. I've had several good quality pieces given to Mudguts, passed through 3 or 4 other homes and returned back in good nick for SmallBoy to wear.  Don't stop at the kids stuff ~ get together with a group of friends and swap the clothes you no longer where with those they no longer wear. Yes - sometimes its hard to find a group of people of similar shape, size and so forth. But it might also allow you to get something you might not usually purchase and discover it is just perfect for casual at home wear, the office or a special do where you had 'nothing to wear' and would end up shopping for something new. If you can, even borrowing between friends and family can work - although you may need to be prepared for repairs or replacement should something go wrong.

4. Shop on a Full Stomach

Shopping on an empty stomach encourages over spending - and usually on foods grabbed on a whim. Hunger makes you vulnerable and you end up purchasing what you crave at that moment, usually these some costly ready-to-eat snack full of empty calories, sugar and enhancers. With media reports of people being charged with stealing for eating while in the supermarket - eat a sandwich at home while writing your shopping list (after you've done your menu plan, of course *grins*). It's also better on the budget to shop generically as much as possible. $1.99 vs $4.89 for a kilo of wholemeal flour is a big difference in price. For those 'label' critics - decant your 'no-names' into a storage container and 'brand snobs' cant convince you the products are inferior. When you catch yourself initially choosing the premium brand and changing to the generic choice, consider adding the difference to your savings.

5. Buy in Bulk

Buying in bulk is usually a great cost saving technique, more so now with unit pricing on shelf tickets. This is especially true for cleaning and daily use items such as paper towels, detergent, or bleach. Wait until they are on sale and buy enough to last you until the next sale rolls around. Try to ensure you buy things that can be stored for a long time without running the risk of waste due to expiry. Consider buying bulk items with friends or family ~ 20kg of rice is considerably cheaper per kilo than single packet buys, but many shoppers won't get through that amount within safe times or have room for appropriate storage. Dividing 20kg between 2-4 shoppers means you all get the necessary amount at a great price.

6. Turn off the Lights, Stand-by and Electric Blanket

Turn off your lights, shut the doors, put on a jumper, use a woollen blanket and minimalise the amount of appliances you have on stand-by just for convenience will provide an amazing impact on power usage. The same goes for water and other utilities. By changing your habits, reducing water and energy bills can be accomplished with ease. Depending on where you live might also allow options between several service providers and bundling services can result in discounts as high as 12%. Use websites that can help you find the best rates such as Energy Watch. A few hours of research and a couple of phone calls will save you money - hundreds, if not thousands - over the course a year.

7. Purchase Used Items

Sure, there are some items you would not purchase secondhand. But there are so many things one is better off buying used than new. Garage sales can often be a great money saver, especially if you haggle reasonable so both you (the buyer) and the seller feel its a good deal. Other items one can purchase used are home appliances, furniture and gardening tools. If the freezer is priced at $500 and you get $100 off, or find a second hand one for $200 ~ put the difference into your savings account (or put at least $100 into the bank). Cars are a depreciating asset, so buying a used car is usually much better savings value than a new one. Try to have someone who 'knows' cars available to come shopping with you, or at least give you a run down on what you should be looking for and when its best to walk away from a 'bargain'. 

8. Reduce Reoccurring Costs

Cut down on your internet, phone, credit card interest and other reoccuring costs by ringing around. Cancel your PayTV and magazine subscriptions and put the monthly/annual expense into an online savings account. You're already paying that $50 each month to "FoxStarNet" ~ pay it to your savings instead. And go play outside with the kids, walk the dog or potter in the garden. Small incremental amounts can end up taking a large chunk of your income. Review your internet and phone bills and start shopping for better plans using my pre-prepared script - it really works.

9. Save Your Spare Change

Set up a piggy bank or money box and start saving your spare change. You would not believe how much you can accumalte by saving small amounts of change throughout the year. This is a great way to add spending money to a holiday, upgrading to Gold Class for a romantic movie date or an unnecessary but truly desired item of choice. Prior to our wedding, Husband and I would empty all the coins from our wallets at the end of the week for 'restaurant' dinners while on our honeymoon. We expected to be able to eat out perhaps three or four times during our 10-day holiday. We ended up being able to eat out most nights and take a Great Barrier Reef cruise with a diving adventure. It all adds up if you stick to routine. 

10. Go Out ~ at Home

If you are planning on a Saturday night out and hitting the clubs, consider having a few pre-pub drinks at home before catching public transport into town. Instead of going out to a restaurant with friends each week, take it in turns dining in - where everyone brings or contributes to a course. If you have small children, set up a baby sitting network with friends in similar situations so you can each get the opportunity to see a movie, have a 'special' date night or romantic walk along the beach without kids in-tow and the expense of a sitter service. Just make sure you all repay the favour and it is possible to have 3-4 kid free excursions each year.  Ensure you have a designated driver, taxi money or be home before public transport stops running if you do plan to imbibe *be responsible with alcohol people*.

11. Start Bargaining and Haggling

Start bargaining and put every cent you get discounted into your savings account! Although you may not be able to bargain at Coles or Woolworths, you can do it at the local market, in the BBQ or whitegoods store, with your home and/or mobile phone provider, and many other purchases. Just ask! Actually, if truth be known - you can haggle with the big stoopermarkets. I do ~ often ~ noting the sales staff with the price gun in their hand and not so discretely stalk follow them through meat, dairy and other departments. Recently I even found meat on the shelf dated one day before use by and asked the meat manager to come and mark it down for me. Which she did. Almost by half. The meat went into the freezer and $7 went into the savings account. Actually, for us those "$7" go on to the VISA or Line of Credit at the moment, but you get the idea.

12. Do It Yourself

If you broke it you should be able to fix it ~ don't make calling 'someone' to get you out of a bind in the first instance. Fixing your broken items yourself can be a cost effective, so give it a go first. You can do your tax yourself and pay your 'accountancy fee' into your savings account - that can be $200 in the bank every July. With "my friend" Google and some amazing videos on YouTube you can virtually find the instructions for any job you need to do. Of course, be careful and make sure you have the right tools and skills for the job. Don't play with the electrical stuff or other work which needs to be done by a licensed tradesperson ~ and remember to get a few quotes and put the difference between the highest and the chosen quote into your savings.

I know this is not a debt reduction post ~ its about saving and creating some good habits, ones which are achievable and can be shared or taught to your children, siblings or parents. However paying off debt can never hurt. Often the goal of frugal living is to become financially independent. What better way to achieve that than by extinguishing debt. 

Below are some posts of old which might also be helpful to those wanting to save, get ideas which really do work or discover other ways to reduce debt. So please, read back and refresh your memory if you've been following for a while or enjoy the opportunity to see how far we've come with so little.

Savings Ideas Which Make Cents
Two Challenge Takers...
Changing Habits is Saving Money

Chat tomorrow ~ ideally with some action shots on our garden capers!

Oh Woe ~ No Get Up and Go...

A new day in Queensland dawns bright and warm... 

Too many 5am starts has made Mands a very tired chickie...

Actually, I am a little bit stressed. And I've got a cold. Moving across the continent (well up the continent) was always going to be an exercise and play havoc on my back, but we took it slow, stopped often and tacked a few extra days to keep the actual travelling hours around 4-5hrs each day with two full rest days en-route.

The issue is more the lack of continuity of medical care and therapy referrals. I honestly thought with xrays, doctors' reports and an ongoing 'Care Plan' it would be easy to get things going for some therapy - osteo and pain management at least. But no. The doctor here keeps asking me to find out from Medicare what service codes I've already used and I am getting confused as he says the numbers Medicare provides me with can't be right and check again. Might have to put my foot down, possibly get his nose out of joint and tell him he can do it much more effectively than I.

Teddy has settled in rather well 

And the chiropractor I saw to at least attempt a little relief first told me he could not touch me without current xrays. I thought 'Good, you should be wanting to see where things are at' but then he justified the request by saying it was so he could not be sued if he did something wrong. $90 ~ and being told it was not possible I had both a fusion and a laminectomy.  The second appointment was spent watching a training video on chiropractics and explaining my xrays to me (yes, I do have both a fusion and a laminectomy) but he's never seen a back and neck so bad he feels he can't give me relief or help without putting himself in standing to be sued if he stimulates an injury. Another $75 and no relief.  Is Australia really that far down the 'I am going to sue' trail?

So that was $165 we could not afford to spend with no pain relief or actual work done. I really didn't need a lesson in chiropractics - especially one that didn't result in a certificate or something. No ~ a tax invoice doesn't cut it... *sighs*


New Beginnings In Our New Backyard

While we house-sit here in sunny Queensland, we are able to set up a vegetable garden to help us keep costs down and allow the owners to return to their own veggie patch. Taking up a long term house sit does not suit many people because they want to travel and stay in a region for a short term while holidaying on the cheap.

For us it means our mortgage can be paid with extra payments being made daily, I won't cry through another Ballarat winter as the bones and fusion continue to knit, we can finally achieve our dream wish of living in Queensland (albeit 4yrs after the planned move) and actually save a little money while experiencing a better quality of life. For the home owners it has meant they have reliable people looking after their home, ensuring the insurance requirements are fulfilled and their pets and plants don't die.  For our tenants it means they get a bargain price rental on a half acre block with chickens and an established veggie area to boot. Win-Win-Win

One thing I must learn is the ins and outs of tropical plants. There are so many here I have little experience with and, aside from worrying about over/under watering, I don't really know if there are any particular habits I need to get into to ensure they all stay healthy and flourishing. So far I've met a few giant critters in the garden ~ honestly, the cockroaches don't worry me at all and they are not inside so no drama. The giant grass-hopper took me by surprise but I got some great pictures of it . . . before the bloody cat decided it would make a tasty, crunchy afternoon snack. I have been advised the cane beetles will be a sight to see in the summer.

Not seen a single cane toad, spider or snake as yet ~ so long as the spiders remain in hiding I can cope with the others. Must admit I am not missing the huntsmans or other black crunchies invading the Ballarat bush ~ but I do miss those dear friends left behind in the snow and cold. I try hard not to mention I am sunburnt...


The Week Ahead

I've got the menu planned, plus three mystery shops for the week ~ two involve food and one involves wine which will be a terrible strain! *not*  All things going well, my doctors' and surgeon's reports will come through and I can get some work done on my neck and back. Headaches will kick in very soon - I already feel the niggle. Knowing that could happen, I've done this week's menu and put it on the fridge so Husband can step in at any time without needing to think or get extra ingredients. Oh I am so efficient at the moment. May it last.

Menu

Sunday ~ Roast Lamb & Veg ($2 per head)
Monday ~ Roast Lamb & Veg pie ($2 per head)
Tuesday ~ Spaghetti bolognese & salad ($2 per head)
Wednesday ~ Fritatta ($1 per head)
Thursday ~ Camp Oven Chicken ($1.50 per head)
Friday ~ Tuna Mornay ($1 per head)
Saturday ~ Home made Pizza ($2 per head)
Sunday ~ Roast Chicken ($1.50 per head)

Today Husband & the SmallBoy have been running around, shooting nerf guns, giggling and squealing like two little girls ~ then I hear my husband laugh, deep & full, and remember this is what genuine times we have had enjoying simple things. Love it.

And with that memory I shall hit the doona and go to sleep. Fingers crossed I'll sleep until about 7am because, like I said at the start, these 5am starts are doing my head in!

As always ~ any contributions or offerings to Mands On A Mission are received with many thanks and put toward our debt and nothing else. If you've got something you think could help us achieve our goal please - check out the Spare Change Jar, the Treasure Chest or drop us a message via the blog. All those 10c found at the side of the road and spun our way help in more ways than you can possibly imagine.

Hubby aims - and shoots ~ we are loving the evenings

Money Saving Markets...

All it takes is sticking to the list ~ and adhering gaffer tape or some other sealant across the mouths of 11yo boys who want this, need that and plead for those as well... *sighs*

SmallBoy was reasonably good to be honest ~ but there were so many objects of desire he will be saving lots of pocket money to obtain some extravagant items . . . or blowing it every week at the Markets. As for the produce available ~ this little chickie babe was in fresh, organic food heaven! For the princely sum of $31.20, we purchased broccoli, cauliflower, pumpkin, sweet potato, parsnip, zucchini, radish, tomatoes, snow peas, beans, bok choy, coz & mixed lettuce, cucumber, pink lady apples, pineapple, grapefruit, strawberries and, the diamond of them all, bananas! 

This is only half of the booty from Shalom Markets

Bananas have not been on the shopping list for months due to the ridiculous charge of $15+ per kilo. Blow me over if we didn't find them for $6 per kilo. Our new neighbour Bob said not to buy anything until we'd done a lap of the market and, knock me over one more time, we found three stalls selling them for $5 per kilo. It was like winning the lottery only so much sweeter!

Can you see the strawberries in the photo? We bought two packs of those for $7 and let me tell you we have never eaten such big, juicy, sweet-smelling berries ever! Using a little over half the pack for dessert tonight (dusted with caster sugar and decorated with a big dollop of cream) and felt like we were on millionaire's row! How the little things can mean so much ~ especially when you've not had them for so long. Yes, it was a splurge - $1.50 each on dessert when our dinners work out to cost roughly the same!

This Week's Menu 

It's back to being a lot more accountable with our budget. Because we plan to purchase a few (dozen) acres of land in the next three-four years, the savings need to start as soon as possible. As food is a major part of our expenses, we have allowed a weekly budget of $100. Spending $30 at the market on fruit and veg means we will have about $70 for "everything else" ~ meat, cleaning items, cat needs and personal hygiene products. We don't have a well stocked pantry or freezer at this stage and will be buying as much marked down, close to use-by foods as possible. 

Tonight's meal of BBQ pork loin in plum and ginger marinade was a $19 piece marked down to $12. Not only did it provide a delicious dinner (with all the fresh veggies from the Market), about a third was saved to become a pie for tomorrow night's meal. Cooking up extra vegetables tonight means all the filling is pre-prepared and only the pastry needs to be made. Even the water used for steaming the veggies was kept as this is more flavoursome than water for the pie filling's roux. For under $21 ($12 pork, $6 veg, $2 pastry), we will have two main meals for three hearty eaters ~ at $3.50 per head it is a little more than the budgeted $2-$3 per head I aim for, but by week's end it should average out.

So this week's menu is set as follows:

Sunday: BBQ Pork and Roast Veg  ~ $3.50pp

Monday: Pork and Veg pie ~ $3.50pp

Tuesday: Sausages and salad ~ $2.00pp

Wednesday: Beef Stir Fry ~ $2.00pp

Thursday: Sticky Chicken Drumsticks and rice ~ $1.50pp

Friday: Nachos ~ $1.00pp

Saturday: Fish Patties and salad ~ $1.50pp

Sunday: Roast Lamb and veg ~ $2.50pp

Tomorrow I am off to my first chiropractic session in sunny Queensland. This first appointment is a little pricey ~ but the x-rays are bulk billed and I am keen to see how the ol' back is looking. I am confident my surgeon's forecast will be spot-on. He is, after all, the one medically trained and surgically experienced to provide such input and judgement - and I feel I might even be a little ahead of the schedule. The pain meds have been re-reduced now the trauma of the travel is easing and a little click'n'pop to compliment the acupuncture should iron out some of those remaining niggles.

Not 'perfect' yet ~ but I feel I am ahead of his five-year estimate on recovery. To quote Craig Ferguson from the Late Late Show: ~ "In Your Face!" *laughs* ~ I think I got a little touch of the sun today ~ hot, flushed and a little sandy. Now who would have dreamed I get to say that in winter!?!

Competition Reminder 

Don't forget to post the following statement (exactly) either in the blog comments below, on the facebook page or via twitter.to get your chance to win this gorgeous plush Koala and a tube of EukyBearub courtesy of my friends at EukyBear and Bosistos! 

I'm going to snuggle up with #EukyBearub when I have a cold ~ Thanks @MandsMission

Each mention gets you an entry and, if you get a friend to follow the blog or facebook (I'd like to include Twitter but it confuses me still and would hate to miss someone by accident) - get your friend to include "my friend (your name) suggested I follow" and you can have an extra entry.

PLUS: I have a special referral prize to be given to a current follower who has at least one friend join the Mands On A Mission facebook page. To be in the running to receive a gorgeous Angel pin, make sure your friend includes your name in the comment along with the all important EukyBearub entry statement.

Entries close Sunday 31 July 2011 at 5pm with the winner announced the following week. Every entrant will be listed below so please let me know if you've not seen your name appear within 24hrs of your entry. 

Let me know if you'd like any information, recipes or details on how we are reducing our debt you think might help you save a little more or rid a debt burden. We might not have the answers for everyone, but we can always suggest what we would do if it was us in the same position.

Until tomorrow...

Life really is a beach ~ especially where we live now

24 More Sleeps ~

 

And I do apologise for the intermittent posts...

It takes a lot to hold a garage sale but I am pleased to say THE Garage Sale Of The Century has reaped $470. There's our petrol money!! Feeling quite euphoric about taking all the coins to the bank and cashing them in for notes. People are still coming past and buying the more 'expensive' items like the washing machine, the lounge, the beds, fridges...

We are now in the packing down stages of the move ~ and it seems to be going remarkably smooth at this time. The garage sale has been the point of 'end' - from here we are going through the stuff and prioritising. 

By Thursday we will have the linen, laundry and bathroom packed - only 'required' items will be left for use over the next few weeks. By Wednesday, SmallBoy has to have only 5 toys in his room and, because Wednesday is a student free day, he and I will pack for storage, pack for taking and pack for the Salvos or trash.

By Friday we will identify all the repairs required and my Dad is coming up with his tradies truck and will help with plastering, painting, doors and the roof.

The weekend will see another of SmallBoy's mates over to play while Husband & I will focus on the spare room declutter. Dreading the office - that will be next week - with the lounge, dining and alcove area being clears as per 'required items only'

How expensive?

For the past two weeks the ONLY shopping has been milk, cat food, toilet paper, drinking water, petrol, bills - most paid out or in credit, too weird! Taking everything from the pantry & freezer - because the mini freezer is going to be sold, one of the fridges too. We'll only keep one in storage. And the shopping has been either as a mystery shop or using a voucher redeemed from surveys. Fingers crossed the two $100 vouchers arrive before we leave because that's petrol or setting up the pantry money!

Already we have planned our route to QLD to match up a few mystery shops at supermarkets so it covers our expenses on the road and allows us to have lunches and snacks covered in the budget. I feel better than frugal and will blog our successes.

Getting through the contents of the pantry & freezer - an oxtail casserole for dinner tonight - a $5 meal from the freezer because everything was bought on mark-down and frozen. Eating down the contents of the cupboards is requiring some creativity now - have no idea what to do with some of the tinned fruits. Trying a 'kind of' pudding with cherries - should be interesting...

Hubby was gob-smacked the other day seeing three lamb shanks on 'sale' for $15 - thats $5 each! We pay $1 for ours from the Halal butcher, but we've heard the prices have doubled of late. Still $2 vs $5 is still a big difference when you want 4 shanks for each meal.

Have a great evening ~ we are going to rest well tonight ~ hope you do too :D

Seasonal Shopping Saves

This week I was made to feel 'odd' or a bit of a freak...

First with SmallBoy's fall from the roof ~ the amount of people mortified we let him climb on the roof was amazing. Oddly, this has been more from younger people (20s/30s) and more so from mothers of children in a similar age group or those who are now grandmothers.

Let me say - we are in the country, not the city. Several times a year Husband and SmallBoy are up on the roof clearing the gutters, nailing down loose roofing, realigning the aerial. It's what you do. So we have started to say to some he fell from a tree or bounced off a trampoline and the outpouring of sympathy is reversed four-fold. SmallBoy is keen to get back out and climbing ~ I see this as a good thing ~ he sees it as an accident, that he probably should have waited for the wind before straddling the beams, and will have caution on his mind 'next time'. Believe me - there will be a next time *laughs* 

Am I wrong to think children are supposed to explore, be inquisitive, climb? Are they not supposed to fall, land and injure? Is this not a normal event - even if the particular break is not the norm, the activity of mucking about is - isn't it? Or have the 'rules' changed so much that kids shouldn't be out playing, climbing, skating, riding in case they get hurt? If this is the case, how do they learn to judge a situation or implement their own personal boundaries? Or aren't they supposed to?? I won't advocate for a party to be held on our roof or allow three 10-12yo boys to play games on the roof - that's asking for an event to occur. But one mighty explorer should be able to do as he wants (within reason - I don't include climbing the power pole as exploration) so long as he is not endangering himself and/or others.

The next 'odd' was about menu planning and shopping. My girlfriends have been telling me what they are planning to serve their family for dinner - yummy stuff but to me its being done back to front. Menu planning seems to mean planning the things you'd like to cook and then get all the ingredients required, and so many meals involve out of season fruits and vegetables. There's two problems here - the price and the taste. Strawberries being eaten at the moment are tasty but coming to the end of the season so the price is increasing - in a few months they will be tasteless and more expensive - but when I asked why one girlfriend "has to buy them every week for her breakfast". 

And the one that got me more: - 

"I always buy cauliflower each week"... 

But cauliflower isn't in season at the moment

"Then how come I can get it at the supermarket?"

Even when it's $7 a head, or $4 a half!!

"Oh I don't look at the price, I just buy it".

Well pick me up off the floor and call me weird. Not looking at the prices? I was absolutely gob-smacked. Fruit and vegetables are the number one food type where prices fluctuate the most in stores - store to store. Week to week, even sometimes day to day, those prices can sky rocket and plummet with the speed of the stock exchange. 

Imagine trying to do that with bananas at the moment ~ one day bananas are $2.95pkg, then $12.95pkg, then $9.95pkg - or 'on special' for $5.99. Sure, we know that there have been some amazing weather catastrophes causing banana prices to escalate - so bananas should be a 'sometimes' food and an opportunity to use or introduce other, in season, fruits to diets. Apples are in season so seek out those on special (or on your neighbours tree) and stew them up for use in the 'off' season. It's one way we save at the cash register.

Talking to others, I think menu planning is being done the 'wrong' way in most homes. Menu planning is said to be the "way to ensure you don't overspend on groceries" suggesting one must write a shopping list based on the menu and stick to it. This is a disastrous way to menu plan unless you can determine the prices being charged at every place you shop.

I don't plan my shopping list based on my menu - I base my menu on what I have available in the fridge, freezer and pantry, making a list of some of the particular items I might not have at hand. Perhaps I've only got a few carrots and will need to top up for later in the week/fortnight. Carrots go on the list and, price dependent, I'll buy a kilo or two. If I've planned to make a batch of bolognese because I've got mince, onions, tomatoes and garlic - but this will use up the last of the onions and we've planned a BBQ or casserole, I'll put onions on the list and check out the usual haunts for cheap onions - including my bartering network.

Menu planning is not simply organising what you want to eat for the week/fortnight ~ and I think this is why many say the weekly shop comes to $200 a week (or more) and can't be lowered in any way. When I go into get my required items - I will check what is marked down in the meat department, the bakery, the dairy as all of these can freezer and be included in the next menu planning session. And I'll swap a meal to take advantage of a good 'score' like salmon fillets for a few dollars if it needs to be eaten within a day or two.

Next time you shop, if it isn't your current practice, take a look at the prices of fruits and vegetables. Is there something on special or marked down you selected on a whim? Did you expect the prices to be as they are??

So what is your practice? What do you do first - stock take your food stores, menu plan, create a shopping list or work it out on a daily basis? Honestly, I am curious to see what most people's practices are and how decision are made ~ or am I actually a bit odd in my practices?

Do you base your menu and shopping on what is available seasonally, on special or just what is available at the store? If something is unavailable or expensive, can you substitute with something else or does it throw you into panic or do you just buy it regardless of price?

Where do you write your shopping list and your menu plan - at home or at the shop; or is it based on the specials you find in the supermarket as you wander through? 

Off to the hospital in the morning ~ fingers crossed we avoid surgery on SmallBoy's ankle otherwise there will be a very scared little boy (and mummy!) here tomorrow or the next day.

Chat then :D