No spend year – The ground rules part one

8th January.

What am I doing this for/what do I want to achieve?

I think mainly I want to achieve better health, both mentally and physically, and less waste. I’m being selfish here, I mean less financial waste by me. I need to prioritise what is a need and what is a want. Things I need to live comfortably are not the same as things I would like to enable me to live comfortably.

Ultimately I would like to see my savings increase rather than decrease and the only way to do this is to stop spending money on things that I don’t actually need, no matter how ‘nice’ it would be to have them. It would also be nice to pay off what is left of the mortgage early, this would be possible through overpayment of the monthly term and would secure my future nicely. A bit more thought before I open my purse may go a bit of the way to achieving this. After all, I am a crafty person (in the craft sense, not the way you were thinking) and can turn my hand to a fair few methods of repairing rather than throwing away and buying new. My workshop is also overflowing with fabrics and craft stuff. A true crafter never throws anything away, and yes, I truly fit this mould. It’s not all old stuff either, when dressmaking I have a habit of buying an extra metre of fabric in case I go wrong and need more. I rarely go wrong, I always have fabric left over.

This has to change.

I have to change.

Am I up to the challenge?

You betcha!

rambo thumbs up

My rules for a no spend, make do and mend year:

1) Food.

I need food. And I am fussy about some food, especially my coffee. So, I will still buy food – although by not buying food I guess I could lose that extra stone…tempting idea, but no, I will still buy food. I will also still buy nice coffee,  Own brand smart price doesn’t quite cut it for me where the coffee is concerned. I will make some concessions though. I will bulk cook and freeze down into smaller portions so that I am less likely to buy ready meals or takeaways on my way home from work. After raising three boys, all with hearty appetites I always used to cook large meals and there was rarely anything left. However, as they have grown and flown the nest I so lovingly made for them, I often eat alone in the evenings and can’t be bothered to cook a proper meal just for me. There is probably a bit of Freudian philosophy in there as well, something to do with not feeling myself to be worthy of a proper meal whereas others are, but I won’t go there just now. Suffice it to say that I am worthy, I’m just tired and lazy after a full day at work to warrant going to the effort that cooking a fresh meal from scratch requires.

And have you noticed how it is more expensive to buy for one person than it is to buy for a family? I swear shops are out to penalise the people who live on their own, or in my case, eat at home alone because the son who does live with me works opposite hours so we tend to meet in passing. I can however, buy a large joint of meat intended for a family, slow cook it so it falls apart and then separate it into equal portions and freeze to eat at a later date. Usually with a handy bag of microwave cookable rice…

I am a bugger for buying coffee out. But I don’t need to and it will stop. It’s going to be hard though as I often go out with the people I support at work and we will visit a coffee shop where they can learn essential social skills. It doesn’t feel right sitting there without a coffee myself but the cost of those coffees add up.

Generally, i would have one per day, five days a week.

On average a latte is around £2.50 a cup which would be £12.50 a week. I get 6 weeks holidays a year so times that £12.50 by 46 weeks and you get to £575.00 per year. That’s a lot of coffee, but hold on, I’ve not finished. Next door to my work is a rather nice coffee shop where, if you are a local and bring your own mug in for a takeaway coffee, they will sell you one for just a quid. It’s only a quid right? I have got into a rather nasty habit of nipping in there first thing every morning for a latte to start the working day with. Very tasty. Now, £1.00 times 5 days equals £5.00. Didn’t need to use the calculator for that one. Go me! But, times that fiver by 46 (back on the calculator) and you get to £230.00. Add that £230.00 to the previous £575.00 and you get a grand total of £805.00 per year just on takeaway and sit in coffees! That is a ridiculous amount to spend and now that I have worked that out, I can see where I can save money immediately.

the-scream-edvard-munch

2) Medication and Health needs.

This is where I can’t compromise. Luckily, I enjoy good health and do not need any regular medication. However, if I need it, I will pay for it. I can’t save money on supplements either because I don’t believe you need them as long as you follow a varied, reasonably healthy diet. Do health needs also encompass fitness and exercise? I guess it does really, so I can sort of compromise here. No gym or exercise classes for me (phew, that’s a relief, always feel guilty for not going to the gym). There are many ways of keeping fit for free and I have two dogs. There is no excuse to waste money here.

Talking of health needs, all this thinking gives me a headache…

I shall continue this rule setting dreckly…

Have a happy day

Anita x

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