Saturday, 18 January 2014
Hello Dear Reader,
I like every day to have a clear purpose. I need each day to have a positive focus where, by the evening, I can take stock of every movement forward and achievement. You know me well enough know to know that I like to walk on the sunny side of the street and have a positive impact on my life every day. You won't find me kicking back, relaxing or lounging very often. I save that behaviour for occasional holidays. Life, for me, is about having purpose and living a whole real life where I am in charge of my own destiny.
I took control of my financial destiny in 2009 and have worked solidly to make sure I start every day on a secure financial footing and do something simple every day to ensure we have a sustainable financial tomorrow.
Here's what I do through out the week.
Monday - I read our electric, gas and water meters and submit the readings online. I check that we are using the amount we have budgeted for. In spite of increased costs, our standing orders have reduced. We don't pay any more now that we have a tumble drier.
Tuesday - I sort the mending basket. I sew up and reinforce pockets. I sew up loose seams on pillow cases. I re-edge a tatty towel. I fix a dog bed. I set aside one night to catch up on 'snagging list'. Dearly Beloved checks light bulbs, oils door hinges, checks the makeshift draught exclusion in our aging and soon to be replaced windows. The odd jobs get done, such as emptying out and cleaning our the vacuum cleaner and washing machine filters. The cooker hood filters go into the dishwasher and Bi-carb and vinegar gets put down the plug holes to keep them fresh and clear.
Wednesday - I always have an evening a week where I iron and put away any clothes. I check we have everything clean and fresh. We usually wear something twice and we launder mid-week and the weekend. We buy clothes infrequently and by regular up-keep we keep them in good condition for longer.
Thursday - we take time to check our online bank accounts. Nothing really changes week by week. We incur no charges, no penalties, but we do move small amounts of money to saving accounts each week. If we can get by another week without spending any money then we'll do so. We make a point of spending as little as possible to allow for the expenses we know are coming. We know when every bill is due. We booked our car for the annual MOT and knew it would pass as we keep the car in good condition and have it serviced and ensure the upkeep is regular and everything is budgeted for. Neither of us carry money so have to plan in advance with mutual consent any expense, even a contribution to a leaving present is discussed and budgeted for.
Friday- is when I take stock of the food in the house. I try to have a week a month where I buy no food at all. I make sure I use everything I have. This week's stock take will hopefully see us through until the end of the month without us buying anything except salad, vegetables and fruit.
Here's the stock take
Fridge - lettuce, celeriac, carrots, celery, cucumber, broccoli, cabbage, swedes, mushrooms, leeks, cheese.
Freezer - Sausages X 2, Bacon pieces X 1, Drawer full of frozen veg, Roast potatoes, Baked potatoes, Pork joint (will be cooked, sliced and frozen along with gravy to make 9 portions) Gammon joint (will be roasted and sliced and will make meals for two days) Chicken breasts X 2, Beef burgers, Braising steak, Sirloin steak, minced beef.
From that I will make
Basque Chicken with Roast Potatoes and steamed veggies.
Lemon Chicken with Remoulade.
Honey, ginger and soy roasted gammon with salad (meals for two days)
Roast pork, roast potatoes and steamed veggies.(meals for four days)
Spiced pork with lemon pasta (1 pack of sausages)
Gluten free cheese burgers with salad (pack of burgers - 100% beef from our butchers)
Beef Carbonade with gluten free croutons and steamed veggies.(beef cooked in beer)
Spicy meatballs in tomato sauce.(meatballs in a tomato sauce spiced with chilli)
Bangers, mash, onion gravy with greens.(meals for two days)
Gluten free carbonara with salad.
Sirloin steak with pepper sauce and salad.
Weekends - my weekends are all about being prepared for the week ahead. Planning what I am going to wear, planning what we will eat, planning my exercise routine and social life for the week ahead. Weekends are when the house gets a 'top to toe' clean, the car gets cleaned, the garden in tidied, in better weather the paths are swepts, windows washed and the lawn (now to size of a hanky) is cut. As I said, every day has a purpose and all contributes to a better life where we keep moving forward.
Over to you Dear Reader. What do you do every week, or every day, or every month that has a positive impact on your life? How do you make sure you never waste a day? What do you do or could you do to make sure your life is financially sustainable? Who could move a tiny amount of money each week (even if it's only £1) into a savings account so you have a financial buffer of some sort.
I'm off to my happy place, my sewing room to work on some quilting as I have a top to finish and then three to back and quilt. I will of course keep you informed.
Love Froogs xxxx