Tag Archives: education

Z is for Zero Spend

Day 26 of the A – Z Blog Challenge

For the final day of the A – Z blog challenge we are going to look at Zero Spend time. ThisLocked wallet is basically a set amount of time where you decide that you are not going to spend any money…on anything apart from your normal direct debits. Household bills aren’t included in this as i don’t think the mortgage company are going to agree if you tell them that you’re not going to pay the mortgage this month because its due date falls in your no spend time….

Now, if you are one of those people that have a tendency to wander into the local shop on your way home from work and decide then what you fancy for eating for your evening meal (as i was), then this is going to be a shock to the system and is where all of the hints and tricks that i have spoken about throughout the month come into play.

You need to decide how long you are going to aim for and plan in advance what you are likely to need to get through the time you have allocated as no spend. Whether it is a day, a week, a fortnight or a month, you need to make sure that you have planned your meals and have the food that you require to cook those meals in your house already. Then you won’t have to think, oh, i forgot this item so i’ll just nip down to the shop and pick it up. I can just about guarantee that you will pick up other stuff while you are there as well.

Think about any special occasions that are coming up. It’s going to be difficult if you have to go out to a colleagues leaving do on your no spend day, so be realistic about the time that you choose.

I can also guarantee that there will be times within that where you will have to change your plans – unexpected people dropping in for a mealtime, accidents and emergencies that crop up from time to time, meetings that suddenly appear out of nowhere. So what do you do so that you don’t fail your zero spend challenge?

One idea is called ‘shop your own kitchen.’

This is basically taking stock of all the foodstuffs you have in and making something out of that. It may be a bit weird and wacky at times, but that can be added to the fun and adventure of it. There are also many websites that will give you recipe ideas if you enter the ingredients you have to hand. On a quick google search that i have just done, this one was top of the list Supercook. Give it a try and see what you can make with what you already have.

You can shop your bathroom as well, all those bottles of shower gel and bath salts that you have been given in the years – give yourself a right old pamper session…for free!!

money in jarIf you want to keep a track of how much you are spending, then make it visual. There are many ways to do this, and you can be as simple or creative as you like with it. Keep a money jar and put into it the money that would have spent if you had gone to the shop. Write a list of how much you haven’t spent. Go all out and get yourself a spreadsheet on the computer and input all of your savings. When you can visually see what you are saving all the time, it gets easier.

And a tip that i use? I don’t like being told that i can’t do something, therefore i like to be able to make the choice for myself that i don’t want to do it. In order for me to work this in my mind, i always make sure that i have a fiver in my purse so if i want to purchase something, i can. If i get to the end of the week and that fiver is still there then i really consider that a win. This works for dieting as well by the way. I have had a dark chocolate, four bar kit kat in my work lunch box for two weeks now. While it is there, i don’t need to eat chocolate because i can if i want to. If it goes, i will want to eat chocolate.

I know, i’m weird, but trust me. It works.

I found my mum’s emergency cigarette when i was clearing out her belongings just after she passed away. It was five years since she had given up smoking and no matter how bad the pain from her cancer got, she never smoked it because it was there if she really needed it. I figure if she can go through that, it has to have some merit.

money crossedSo, set a date, set a length of time and plan ahead. Use whatever psychological tricks you need to in order to help you to achieve your goal and go for it. You’ll be surprised at just how imaginative you can be when you really don’t want to break into that fiver.

Thank you for joining me on my blog challenge journey, i’ve really enjoyed doing it and i hope you have enjoyed my posts. Let me know how you have found them and if you want me to continue with this theme in future blogs, or whether there is anything else that you would be interested in.

Have a happy day.

Anita

V is for Vouchers and Deals

Day 22 of the A – Z Blog Challenge

Vouchers, gift cards and coupons can be a very good way of saving some money on things that you want to have or to do and they come in many different forms.

The best deal that i use most days is that of the Co-op card. It gets swiped every time you img-coop-card-03shop and gives you 5% back on selected in store goods. That money is stored in your membership account and can be redeemed against another purchase whenever you want. I like to wait until i get up to about a tenner on it and then feel like i’m getting a load of shopping for free. Quite often, when you swipe your card, you will also get a coupon spat out of the till as well giving you money off other products in store. And it’s usually products that you will use. i got one yesterday for 50p off milk products.

NUS cardOn top of this card, i am also a student and therefore qualify for an NUS student card. This one isn’t free, it costs about £12.00 per year, but you get so many discounts you’re better off clicking the hyperlink above rather than me trying to list them. One of the participating stores though is the Co-op where you get 10% off your shopping. Tie this in with their own community card and you really can’t lose.

The NUS card also gives you access to Amazon Student Prime. 6 months free prime andAmazon prime then about £40 for the year instead of the usual £80. this gives you free one day delivery on Prime products, access to the Amazon Prime video streaming service and lots of other offers (these are just the two that i use regularly).

together-4-standard-2608As you are by now no doubt aware, i am into crafts. Therefore, one of my favourite shops is The Works who also have their own Together Rewards Card. Here you get 5 points for every £1.00 you spend and then you get an email every three months telling you how much you have to redeem. The email will also give you a date you have to redeem the points by. They do not rollover, so make sure you cash them in when you get them. There is so much choice in that shop for craft items or books that it is never that much of a hardship. Again, as long as you are only buying purchases that you need in the first place, you can’t really lose.

I also save towards Christmas using Love to Shop Vouchers. I save for mine through Parklove2shop-gift-vouchers-1 Hampers, but you can go to the above website and buy them direct. Personally, i prefer to spread the cost of them throughout the year rather than just buy them outright. Once i have finished paying into my account the full amount of the vouchers i wish to purchase, they are sent to me direct and i get to use them like Monopoly money going into whatever shop i wish to (that accepts them obviously) and pop presents for everyone (and maybe a few for me) into my basket without feeling guilty. I usually make sure i have enough to last me into January as well. This also makes present giving to far flung relatives easier as you get to post them a lot cheaper than you could a present.

There are so many other Vouchers that can save you money.

Going on holiday? Get the local paper for your destination and see if it has any money off vouchers inside for tourist destinations. And don’t forget the Sun newspaper tokens that can help you save a packet on a whole family holiday.

Shop at Tesco? See if you can convert the club card points to buy magazine subscriptions, days out or money of your weekly Tesco delivery (that you are now doing online so that you don’t succumb to those impulse purchases).

There is only one proviso with using vouchers and cards though.

It is only a bargain if you were going to buy it anyway.

If you are swayed into purchasing something just because it is a money off deal but you don’t actually end up using it, then you aren’t saving anything at all in the long run.

Have a happy day.

Anita. x

U is for Upcycle

Day 21 of the A – Z Blog Challenge

No, Upcycling isn’t the art of cycling uphill, although the effort that takes would certainly help to keep you fit and mean you won’t need to spend money going to the gym. What it is, however, is the ‘process of transforming by-products, waste materials, useless, or unwanted products into new materials or products of better quality or for better environmental value‘ according to Wikipedia, available here.

In other words, stop throwing away items that you no longer find useful in their natural state and make them into something better.

I have already waxed lyrical over how easy this is to do with fabric, by now i think my denim handbags are legendary, as are my quilted and appliqué specials, but it is possible to do this with just about anything. Got an old table that is scratched and seen better days? Sand it back and paint or wax it. Broken leg on a table or chair? Change the legs for different ones, you don’t need to throw the whole item away. I’m pretty sure that if you took a step back before taking that item to the dump and thought about what else it could be instead, then you would be able to save yourself a whole packet of money.

And if you are lacking in inspiration, then the internet is the place to go for ideas, personally, i can lose an awful lot of time on Pinterest and am frequently amazed by the ideas of what others have done.

The above pictures aren’t of anything of mine, they are just a few i have found on Pinterest in a quick five minute search using the search term ‘upcycle.’ Hopefully they will give you just a few ideas of the kinds of things that can be done.

I quite like that coffee pot into a terrarium idea myself….

Go see what you can find.

And have a happy day.

Anita. x

M is for Make Do and Mend

Day 13 of the A – Z Alphabet Blogging Challenge

Hey, i’m half way through the month and as my theme is making do and mending then it seems kinda obvious to have that for my letter M.

For most of my life i’ve been a skint single mum so as much as i would like it to be otherwise, making do and mending has always been on the agenda.

Yes, i’m a qualified seamstress. Yes, i am interested in many crafts and have quite a few DIY skills but i sometimes wonder if i would have had them had it not been a necessity to gain those attributes?

I guess it started when i was a teenager (i wasn’t a mum myself then by the way, but i was skint). My mum would always say that she couldn’t even thread a needle which meant that if i wanted anything sewn or mended i had to do it myself. Once she found out that i was actually reasonably ok at threading needles, it is amazing how much my mending pile would grow…

When i was about thirteen i asked for a sewing machine for Christmas. Mum and dad didn’t have a clue about sewing machines, and they were also skint, so they scoured the local paper and picked up a second hand one for me and put it under the tree. I loved that machine, it was an old singer, you’d call it vintage now (it was bordering on vintage then) and it would only go forwards and back but it meant that i could take in the legs of the 70’s flared jeans that my cousin passed onto me so that they fit the fashion of the 80’s.

Sewing machine vintage  This isn’t my old machine, but it is the exact version. I found this picture at Helen Howes Sewing Machines . There are plenty of other vintage machines on her site also.

I have had several sewing machines since this one, i am bereft if one breaks and i am without one – it happened when i couldn’t afford a new one once, i was without for about six months. It was emotional.

My current machine does a lot more than just forward and back. It does so much that i probably don’t use at least half of its capacity, but it does thread the needle for me and it also cuts the thread when i’ve finished sewing. It’s the little things.

sewing set up

But would i have been such a keen sewist if it hadn’t been for necessity? I guess i’ll never know, but learning and using that skill has definitely saved me money as well as helped me to earn some with Baby Dreams Stitchery.

And what of other crafts and DIY?

My dad taught me to wallpaper and paint from a very young age, i also learnt early that wood chip paper is a definite no no in the decorating stakes, no matter how bad the underlying wall state is.

I can also handle a drill and a screwdriver-yes, i do know the difference between a flat head and a posidrive. I am a dab hand at reading the instructions and then building flat pack furniture, the bunk beds were a bit awkward, had to get my (female) neighbour in to help me to put one on top of the other. The double bed in contrast was a doddle.

I think what i am trying to say here is that it is cheaper to fix something, or create it yourself than it is to discard and buy new every time. For me, the make do and mend lifestyle began as a necessity, and even though life isn’t quite so pressured financially as it used to be, it is still a way of life and always will be.

I was just walking around a certain upmarket home and fashion store and saw some really cute cushions with the phrase ‘Bee Happy’ appliquéd onto them…for £25….

I put them back on the shelf…

I can make it myself much cheaper than that…

But then, i don’t have to pay myself for the several hours labour it’s going to take either…

Have a happy day.

Anita x

I is for Internet

Day 9 of the A – Z blog challenge.

The internet can be a major help as you strive towards a make do and mend lifestyle. Not least because a simple Google search can tell you how to make and mend just about anything that takes your fancy.

Obviously Youtube is the place to start with any type of new craft or DIY skill that you may find yourself lacking in.

  • I have fixed my dishwasher when it wouldn’t drain properly – had to take the drain section to pieces and found a piece of glass blocking it. As this was on Christmas Day it would have been a while before an engineer could come and fix it for me at i don’t want to think about what cost.
  • I have taught myself the finer points of crochet.
  • I have learnt how to reattach the zipper of a zip after it comes off the teeth in your hand when you are altering a wedding dress… ooo, that was not a good moment i can tell you…
  • I have found the songs i require to teach singing and signing sessions at work as well as finding some that are really not quite so suitable – but fun all the same.
  • I have found out what some never used (and probably never will be) sewing machine feet were meant to be used for after i found a random bag of them lurking at the bottom of my sewing box.
  • I have learnt jewellery making techniques i didn’t have before.
  • I have learnt how to work with Fimo – made some minion keyrings, they were really cute and friends and family loved them.

Minions

  • I’ve tried yoga – it wasn’t successful – don’t do a downward dog with a loose bra on. It doesn’t work. Invest in a sports bra. Or don’t have boobs.
  • I’ve been entertained by funny animal videos, ever seen a hedgehog being fed a treat? It’s hilarious, go find it, you won’t be disappointed.
  • I could probably continue ad infinitum, no person could possibly live long enough to watch everything that is available….

As well as Youtube, there is good old Google itself. The answer to every question in the universe plus a few that have never been asked before. Probably.

It is no longer necessary to have a costly encyclopaedia in the house, the internet can get you the answer to that query before you’d have had chance to open the first page. Although it may take a while for you to find the actual piece of information you were looking for. The trawl through the sites can rake up some stuff you never wanted to know though…or see…

Shopping is where the internet really saves you money though. Sites such as Ebay and Amazon are gradually taking their toll on the traditional high street while those seeking individual hand made items can use sites such as Etsy or Not on The High Street as well as many others in order to show their unique identity.

On top of this there is the possibility of having your supermarket shopping delivered. I believe this does save you a lot of money, even after factoring the delivery cost, by you not actually having to visit the shop yourself. You have your meal plan for the week, you have your shopping list to facilitate your planning and you buy just what is on the list because you aren’t physically in the shop to see all the special offers and impulse buys that the supermarket is trying to tempt you with. On top of that, there is the fact that you have no transport costs to get you there and back. You save on shoe leather from not walking around the shop. You don’t get stressed out by the amount of people blocking your way as they chat to that friend they haven’t seen for absolutely ages right in front of the milk aisle. This means that your diet also stays safe as you don’t reach for that huge bar of chocolate that is sitting conveniently by the check out, just crying out your name, as your reward for having to go through that hell week in and week out…

Or is that just me?

Finally, we have education.

I could not go to university when i first left school. I wasn’t actually even allowed to attend college, i had to go straight into work to start earning a wage as soon as my legal schooling days were over. Admittedly, i had no strong aspirations for any particular career, i didn’t know what i wanted to do so i didn’t put up any fight either.

Years later, when i did decide i wanted to further my education i was married and had children. I went to evening classes at the local college but that was never going to improve my career prospects. When my marriage failed, i had even more need to gain some qualifications but even less ability to go to a university to get them when i had three boys to feed, clothe, house and keep warm.

I turned to the Open University. I could stay at home, go to work and gain a degree at the same time. It wasn’t easy. Trying to fit study hours in was excruciating at times, but the flexibility of study and the range of study materials and peer/tutor support available was second to none. My first degree, a BSC Hons in Health and Social Care was sort of my introduction to computing that wasn’t being beaten at space invaders by my brother in the late 1980’s. This was in the early 2000’s and was delivered by a combination of online support and snail mail assignment postings.

 

My second degree, an Open BA, was in the 2010’s ish,  and was mainly delivered online.

Graduation Torquay 2014-15

They’ve grown a bit haven’t they!

I am currently three quarters of the way through a Master of Arts in Creative Writing degree with the Open University and it is completely delivered online.

With the increase in technology i have gone from no hoper, straight out of school and into the local factory where her mum worked to a person who can hold her own, live independently and believe in herself and her abilities. I could not have come anywhere near that without the internet and the ability to study at home without racking up tens of thousands of pounds in student fees and living costs.

So the internet is amazing at helping you save money in so many ways.

Have a happy day,

Anita x