Monthly Archives: March 2010

Pay day celebration

Pay Day!!!!!!!!!! I’ve been waiting for this day to come round for what feels like months!! I squirrelled away my overtime payments and took it in one lump. As we are paid at midnight on the last day of the month; I was able to get up by half past five this morning and paid £1800!!!! off my credit card bill! So the money I’ve earned has already gone and there is no way it can be spent anywhere else even though I’d like to buy the wood for dearly beloved to build a permanent raised bed for the garden, I would also love to buy a greenhouse but we think we can cobble something together from bits and bobs.

Even with the massive financial addition; we carried on as normal. Supper tonight and a small lunch for both of us to ‘ding’ at work tomorrow is a side busting portion of chicken stew and dumplings. I browned off the chicken thighs (plenty of meat and we’ve no need for expensive leg or breast!) and put them to one side. Fried the onions, carrots and peppers and then returned the chicken. I added stock, potatoes and peas, thickend with some instant gravy and then added the homemade dumpling with half an hour to go.
I left them to simmer, whilst I sat down to read the magazine dearly beloved found on the train for me (always have a look in first class - they tend to just leave the magazines and papers) It was ready after simmering until the chicken fell off the bone and the dumplings had puffed up to twice the size. It’s been icy cold and windy here today and this is just what I needed.

Rationing?





It is well documented the British diet was actually the healthiest during times of war time and post war rationing. The main stay of the diet was vegetables.

We fill up on huge platefuls of steamed veggies, piles of potato and very few expensive items such as faggots (sorry Ali….I know you read this, but the end of term has meant the leftovers are consigned to the freezer and I picked some ready made ones from Aldi on the way home and was £1.30 and some will go into Dearly beloved’s sarnies tomorrow! )

I suppose I’ve developed my eating habits from my mum who was born in 1939 and grew up in times of rationing and then financial hardship of her own. As children we never flinched at mounds of liver casserole, haslet, brawn, mackerel and pollock until we couldn’t get up from the table. Jam was always blackberry and sandwiches for packed lunch were always jam!!! Lemonade and ginger beer was homemade and often exploded in the cupboard under the stairs and every meal was accompanied by a pile of mashed spuds and steaming veg, piled so high that I often couldn’t see around my plate. Even now, no meal is complete without lots of vegetables or salad and that will always take up three quarters of our plates. So supper tonight consisted of ready made faggots with mashed potatoes and a whole savoy and some huge carrots. Mum and the ministry of food would be proud. Cost as ever is under £1 per portion and it has certainly warmed and cheered us on this murky windswept evening. I like to keep people entertained so click here to enjoy a few minutes of “Wartime kitchen and garden”

Scrubbin’ it on the cheap!

I’m feeling exhausted. I have a simple solution to feeling grotty and that is to smell nice. My mum used to say that there was no excuse to be dirty because soap and water was cheap! Well it isn’t now. I shower and don’t bathe and time my shower to five minutes…..so actually Mum….water is expensive! I got the shampoo as a total bargain from Co-op at a £1 each and it lasts for over a month for the two of us. The scrubby sponge replaces expensive exfoliators, pink girly razor is for staying pink and girly and the rash expense is the ‘Sanctuary’ perfume, which dearly beloved bought me from ebay(£7) with some money he had made from selling a few bits and bobs. The Boots body spray was £1.39 and although a deodorising body spray, it actually leaves a subtle all over fragrance that lasts all day. Well, I’m off for five minutes of pampering and then off to bed, smelling lovely for very little and cheered up to boot.

Sunday message from the frugal pulpit

Being a teacher saves me a lot of money. My life has a routine to it and very few suprises. Every teacher I know is a complete and utter tight wad, so we all take packed up left overs to eat in our classroom at lunchtime, we never go out to the pub together as we all live in the four corners of Cornwall and even Devon, we all dress plainly and modestly so there’s no fashion parade at work and we all have frugal holidays (somewhere damp in a tent!) so there’s no one up manship about who went where! So the routine of my life, even though forced on me, is not hardship and saves me money. I can and do wear the same suit for years and years! I can snazz up an outfit with a new shirt or scarf. I work regular hours and days so I can launder on Saturday and leave it until Sunday to dry and it’ll be done by tonight.
My weekends are usually as follows. Saturday - clean, shop, cook, garden. Sunday - lie in, school work for about eight hour; iron work clothes, make lunches and collapse in front of the TV for the last time for a week. So there is no time to waste money or do anything that involves any expense. We also have a skill which means we can diversify to make money by exam marking, coursework moderating, one to one tutoring and I am always doing one of those to make extra money. Since my onslaught to eradicate my debts began I have earnt an extra £130 a week (after tax) which means I’m too tired to do anything and that saves me money too. The highlight of my weekend has been watching the Cornish drizzle dampen my new seeds, getting all the laundry done, all of my marking up to date and my lessons prepared for the rest of the week. So, being a teacher saves me money…………I promise I am not part of the recruitment drive, but there is a shortage of teachers and joining the profession will save you all a fortune!

Garden vlog….my first attempt

//www.youtube.com/get_player

We have patiently waited for weeks for the weather to improve and yesterday we managed to plant veggie seeds. Here’s our container garden in my first attempt at vlogging. (rhubarb was £1 from Mole Valley Farmers and not Poundland = amazing how I couldn’t remember the name of the place, the potatoes were £1 a bag too) The drone in the back ground is the A38!

Daily debt update



Anyone who has debt knows that it feels like a heavy load on your back - all of the time. Mine feels like that. I’m either planning work, checking how we can make some more money by selling things on ebay, looking for the most frugal food options, not using the water, electricity, gas or car and it consumes me!

I mentioned yesterday that Santander had offered me another 0% balance transfer option; although they would not increase the credit limit so I only moved £1182.75 onto a 0%. I still have a load on my back but it’s amazing how it becomes steadily lighter. As I mentioned yesterday; I will pay the complete amount of my private tutoring cheque into my Halifax account and after that and the balance transfer my ‘high interest’ credit card will have a balance of approx £500. Somehow and don’t ask me how just yet……..I’ll pay that off in a month!!!

My snowballing technique means that I will start paying what I used to pay to both cards to one of them. So, the weight feels lighter today.

In an answer to some of the replies I had yesterday. I have to make sure that neither of us spends anything as we both take the viewpoint that ‘treats’ are self-indulgent foibles that we can never afford whilst we owe someone else money. Our treats are time with each other, pottering around our garden, local walks, snuggling up together and watching a film, chatting in the bath together with plenty of bubbles or just cooking dinner together. There is nothing we can buy that actually makes us happy in any way. I also remember a truly important message that “God calls us to make the most of what we have; always remember the good, the true and the beautiful; be inspired and be inspiring”. I also know that I have to live the change I want to see in the world and as I want the world to be more eco-friendly and less polluted; I have to live lightly on this beautiful planet of ours.

Snowballing debts!




One of the best way to get rid of debts really quickly is to overpay every month and that’s what I’ve been doing. I’ve given up everything but breathing to do this but it’s working and today I reaped the benefits of this. (Check out the link to a snowball calculator which shows how much less interest you will pay if you pay off your debts sooner. )

I ‘snowball’ debt payments, which mean I pay back as much as I can and as soon as one debt is paid, I snowball the next debt by moving the payment from the card/loan I have paid off onto the other debts so I never reduce the amout I pay each month and I keep over paying and eventually I clear the debts sooner, with less interest. (I pay £1000 in all a month towards: loans, cards and car payments)

I’ve previously tried to acquire a 0% transfer credit cards to move my debts into and had been turned down until I got a Santander card, which I’ve now almost paid off. I pay 83% more than the minimum payment! I am doing the same with my existing Halifax balance and I overpay that by 66%! I’ve been offered another balance transfer deal from Santander, which means I can stop paying the 17.5% to Halifax. I can pay off my debts even quicker.

I reach a milestone on the next pay day as that is when I am paid for the overtime I have done since November and will use that lump sum to pay off half the balance of my Halifax credit card. The existing balance will be paid off, with the interest free option by October this year.

Everytime I hear the little voices that tell me to keep a bit of the money I earn and treat myself; I make sure I ignore them and do without everything I can possibly live without and pay back every last penny as quickly as possible. The result of the privations will mean I will have no credit card debt in 6 months time!! I will then just snowball the payments in the direction of my bank loan and car payments! It’s amazing how a snowballing technique soon turns into an avalanche and I know I will be completely debt free by 2012.

Frugal with my time………am I bothered?

It’s been a long, long day in the life of a secondary school teacher so
In the words of Lauren “Am I bovvered?”
- go on clickety and enjoy!

I leave home at six thirty and walk, with dearly beloved, to the station and arrive at my desk, from door to door an hour later. I then catch the five forty train home and I’m back in my home a full twelve hours after I originally left. I usually head for the kitchen and love to cook up something tasty and frugal. Today I just made some chips and ate them with a £2 Lidl lasagne that I bought chilled and I’ve had in the fridge since the weekend. It was delicious and so easy to just pop into the oven and as we only ate half the lasagne, supper has only cost 65p each!

How many ways can I use up leftovers?

Clickety Let me count the ways clickety…………………….I make my own bread and save all of the crusts in the freezer; I then make bread crumbs in the food processor and love the way they are chunky and irregular.

I used up some of the remainder of the breadcrumbs by making a treacle tart and with some of the spare pastry; I made a cheese, onion and tomato quiche. We had no ‘salad’ in the house to eat with the quiche so I grated two large carrots, chopped two cooked beetroot and made salad dressing from the zest and juice of an orange, a splash of vinegar, some olive oil and a sprinkle of salt; all shaken together in an old jam jar.
Here’s the quiche and treacle tart. We’ll eat half the little treacle tart and freeze the rest; have a slice each of quiche and the rest will be divided up into portions for both of us to take to lunch for the next two days.


Supper! Treacle tart made from left over bread and instant custard (9p a pack from Morrisons!) Quiche with carrot, orange and beetroot salad.
Treacle tart and custard 50p per portion Quiche and salad 50p per portion so £1 per person per meal!

Where’s my Michelin star?????

Take a bag of old crusts out of the freezer and ding them in the microwave for just a few seconds to soften. Then blitz in the food processor until large chunky crumbs. Pour the crumbs into a bowl and add some black pepper, salt, some lemony herb mix that you have lying around. Take the defrosted wild pink salmon, that you bought in Aldi for £2.50 for four pieces and roll it in one beaten egg, that you’ve diluted with milk to make it go further. Then roll in the bread crumbs, then dip back in the egg mixture and repeat with the bread crumbs - I like a crispy crust.
Bake the salmon (I use all of it, we’ll eat the remainer cold for lunch tomorrow) in the mini oven for about 20 minutes. Cook the half packet of cherry tomatoes leftover from yesterday (25p in the co-op on my way home)
Take a bag of spinach - 79p Aldi and wash in warm water (that’ll almost cook it) and cook it in a tiny amount of water and tiny knob of utterly butterly and then stir in half a pot of Aldi low fat soft cheese (49p a pot), sprinkle in a little black pepper and some squirty lemon juice that keeps in the fridge for years. It’s now creamy and lemony. Pile up on a plate, we love it and there’s so much nutrition for so little money.

Place the crispy salmon on top of the creamy spinach and add the cooked tomatoes which squirt and mush deliciously when you stick your fork in them and becomes almost a tomato sauce to eat it with. Very posh and cost? £1.16 per person!!! What do you think you would pay for that in a restaurant??? I hope dearly beloved appreciates the money I have saved him tonight!