P is for Planning Ahead for Presents

Day 16 of the A-Z Blog Challenge

Following hot on the heels of O is for Organise and matching it hand in hand is P is for Planning Ahead for Presents

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Yeah, couldn’t find the number 7, it’s an upside down L in the lightbox…

The lists and immediate to do items are one thing, but it can also be worth looking further into the future when making plans for saving money.

In my phone i use the notes app to keep a list of people that i need to buy birthday/xmas presents for as well as any other celebratory events that may cost me money over the next twelve months or so. When i am out shopping, i keep an eye out for bargains/sale items that are suitable for those events and pick them up as and when i see them.

Now, i have always done this – remember the skint single mum thing back when the boys were growing up? But the problem i always had was that i would then squirrel them away somewhere and forget their existence until i was doing some random tidying up and would come across them again…usually a couple of days after the event they were originally purchased for.

Doh!!

So now, i make sure that i make a note next to each name, what the present is and how much it cost. This latter may not seem so important at first glance, but i generally have a set amount of money in mind that i allocate to each person. If i can save money on a present, it doesn’t necessarily mean that they only get that one, after all, they don’t know how much i paid for it, but quite often, i will make other purchases that brings the presents up to the value of that figure. Doesn’t mean that you have to do that too, remember, they don’t know how much you paid for it, whether full price or reduced, and does it really matter what the cost is if it is something that they want or need?

Not in my book, it really is the thought that counts. The thought that somebody has spent the time to try and find something you like and appreciate rather than a ‘that’ll do’ present that was purchased while standing at the check out, half an hour before closing time on Xmas Eve.

leggings

I once received 7 pairs of leggings for my Christmas present from my (now ex) husband. He said that i always wore leggings so what was the problem?

I had given birth to my third son one month before. I was sick of poxy leggings. I’d vowed never to wear the darn things ever, ever, ever again. I was already back wearing my size 10 jeans. i wanted something a bit more flattering than leggings.

It is my birthday one week after Christmas.

He bought me another pair of leggings. I’m not kidding you – he really did!

I felt like strangling him with them.desperate-screaming-woman-clip-art__k16052356

He admitted that he’d bought them with the other pairs on Christmas Eve and thought he’d save them for my birthday present.

My motto.

Plan ahead.

 

Buy presents throughout the year so you spread the cost, but make sure they are suitable for the recipient.

…..Unless you want to get garrotted by a stray pair of leggings…

.Have a happy day.

Anita x

N is for Needs versus Wants

Day 14 of the A-Z Alphabet Blog Challenge.

This is about taking a step back from your spending habits.

Before you reach for your purse or wallet, before you press ‘buy it now’ on the keyboard or phone screen just ask yourself the question:

Do I need it or do I want it?

Either answer is a perfectly valid reason to make a purchase but this simple query might help you to clarify your reasoning beforehand.

want-need-balance 3d

If you need it? If it is an item or service that you actually have to have then there is no option for you other than to shop around for the best value that suits your needs.

For instance. I took my car to have the tyres checked at a local tyre specialist centre at the weekend because one day last week i was running out of the door to go to work and spotted an almost flat tyre on the front. Not the best start to a Monday morning i must say. Luckily, there was enough air in it still to get me to the nearest service station where i pumped it up and carried on my way. Anyway, the upshot of the checkup was that my wheel alignment was really bad. So bad, that it had worn away the tyres on the inside (where i couldn’t see), one of them was down to the inner canvas. I was lucky that i didn’t have a blow out.

So, was this a Need or a Want?

Definitely a Need. I live in the middle of nowhere with a really rubbish bus service. I am three miles from my closest local shop. Whilst the exercise would probably be good for me, it is not practical for me to be without a car. So two new tyres and a wheel alignment later, my car is roadworthy again and I am a happy bunny, albeit a £200 lighter in the purse one.

If you want it? Then you can work out how great that want is to determine whether or not you continue to make the purchase. Again, this gives you time to step back and think about why you want it, and can you get the same item elsewhere for cheaper.

For instance. Back to the coffee at work scenario that i have talked about previously. I had fallen into a habit of buying a latte from the local coffee shop every morning on my way into work. It started the day off well and i didn’t have to wait for the kettle to boil in order to have it. The coffee shop also does a discount on takeaway drinks if you take your own mug in so that also helps to sway the decision to have one. When i added up how much i was spending over the year and it came to over £500 though? Ouch, that was bit of a shocker!

I don’t need a takeaway coffee every day. I can quite easily turn the kettle on when i get in, wait five minutes and then i have a cup of coffee. I’m not saying i’ve completely stopped. There are times when that want does become a need, i think i’ve had 2 takeaway cups since the New Year when i did the maths. But as you can see, i have drastically reduced what has been spent just by standing back and asking whether i needed it or wanted it.

Probably just as well as the money i have saved went on two new car tyres and a wheel alignment…

Ask yourself the question next time you are shopping. You might be surprised at the answer.

Have a happy day.

Anita x

L is for Lunch

Day 12 of the A to Z Alphabet Blogging Challenge.

And by lunch, i mean making your own…

I work full time and that inevitably means that i have a mealtime while i am there. Now, i am quite lucky that my place of work has a complete kitchen that i can access in order to cook something should i so wish, however, time is not always on my side in order for this to happen.

There was a time when i would think nothing of saying that i didn’t have time (read as couldn’t be bothered) to make a packed lunch and i would then buy sandwiches/wraps or pasties (gotta be done when you are Cornish) for my midday meal. This adds up though. Even getting the local shops meal deal at £3.00 a time x 5 equals £15.00 per week. Multiply this by 48 (omitting four weeks holiday per year) and you have a total of £720.00. Add this onto the total of over £800 for take out coffees that i talked about in K is for Keep a Diary or Journal, and you have a costing of over £1,500.00!

How many holidays can you take for that?

Lunch doesn’t always have to be boring either, you can be the envy of your workmates with a little creativity. Fresh salads with added extra’s that you would never get in a shop bought one. Wraps or sandwiches filled chock full of so many foodstuffs that tickle your tastebuds.

Personally, i add my home made chutneys to both salads and sarnies adding that personal touch and flavour that i just cannot buy anywhere.

Autumn chutney jars

 

I don’t sell these although that is my label. I just like them to look cool when i give them away as presents.

 

 

 

I also make a lot of soup with random flavours, depending on what vegetables i have in the fridge, and add herbs and spices to flavour exactly to my taste.

Occasionally i will just take an egg, some milk and some bread in with me and make scrambled egg in the microwave and a couple of pieces of toast. It takes approximately 3-4 minutes and you have a nice filling meal that cost you pennies.

And if i’ve cooked a big batch meal the night before, then box full of the leftovers is always tasty the next day!

Be creative with your lunch and see how much money you can save over a very short time.

And don’t forget the lunch bag as well – you can be really cool and funky with your choice of those…

You can find a PDF tutorial on how to make these bags in my ETSY shop Baby Dreams Stitchery

Let me know what your favourite home made, quick and easy lunch ideas are.

Have a happy day.

Anita x