Tag Archives: time

W is for Work at it

Day 23 of the A-Z Blog Challenge

Saving money certainly isn’t an easy thing to do. I guess if it was that easy, then everyone would be doing it and nobody would be struggling to find the pennies.

In this throwaway age, it is unfortunately, so much easier to just replace stuff with new, buy stuff instead of make it and live for today rather than forward thinking to tomorrow.

Saving money actually involves hard work. For most of the situations i have spoken about over the last month, it is necessary to do a lot of the ground work for yourselves. Whether that is by learning a new skill, researching other options either within your community or online or by being creative and thinking outside of the proverbial box for a solution to your potential spending problem.

The internet can be your best friend in helping you with this though. Youtube tutorials are amazing for showing you just how to get to grips with a sticky skill or repair that you need to know and don’t forget there are the amazing bloggers who also take the time and the trouble to present a page of tips and techniques to help you out for free.

kids-talking-clipart-people-talking-clipartAnother source of help can be friends and family, even if they don’t have the time to do the physical stuff for you, they may be willing to have a conversation to help you, and the older generation are generally a minefield of information about the make do and mend lifestyle. There was a time when they didn’t have a choice, and they didn’t have the internet to help them either. If they wanted something, they had to either work out a way to provide it or go without.

To start this lifestyle can be quite daunting though, and it takes time. My suggestion is to break it down into smaller tasks of what you want to achieve and then use that list to figure out what your priorities are.

  • You want to save money? Why? Write it down.
  • How much do you need to save? Write it down.
  • When do you need to save it by? Write it down.
  • How are you going to make those savings? Write them down.check-mark-1292787_960_720
  • Which are easier to achieve now and which ones are goals for the future? Write them down and prioritise them.
  • What will you do when you reach your goal? How will you reward yourself? Write it down – you need to be able to see a positive outcome at the end.

I would make a file of these notes and leave gaps for more ideas to be slotted in as they occurred to me. I don’t know about you, but i can never get everything out of my brain in one sitting, i do some, i go away and cogitate, i do a bit more.

businessman-with-a-great-idea_1012-219I would also leave space for comments and reflections. What if something doesn’t happen the way you wanted it to? What are you going to do then? How are you going to stop yourself from feeling a failure when real life decided to kick you up the Jacksy just to make your day? These are important points to note as well, Life can truly be a right pain in the arse sometimes and there is very little we can do about that, but we can do something about how we react to it.

Remember me saying that earlier this monthdesperate-screaming-woman-clip-art__k16052356 i had to purchase two new front tyres and have a wheel alignment on my car? Cost me over £200. That was a pain in the arse. Wasn’t expecting it. But it did save me from having a tyre blowout which could and probably would have cost me an awful lot more, and maybe not just in money.

So, plan what you are going to do and how you are going to do it. Add in your contingency plan and make sure that you find a positive, no matter how small, about any set backs you face.

Then you can make this saving money thing work for you.

Have a happy day.

Anita. x

T is for Trade Swap

Day 20 of the A-Z Blog Challenge

Sometimes, a really good way to save money can be a trade swap. That is, instead of paying for somebody else’s skills in money, you repay them in time instead. So, you need something doing in your house or life that requires a skill that you do not have such as help in the garden or fixing a leaky tap. You find a person that does have those skills and is prepared to do a skill swap with you or through a third party. They do the work and bank their hours. In return, you put forward what skills you have that others may require, for instance, mine would so obviously be sewing, cooking, computing, word processing, writing…. it is surprising when you start thinking about the skills that you possess that could come in useful for others and for which you could get paid in time for.

I am going to say though, that in my experience, this does need to be thought about carefully and does come with risks involved that you should be aware of.

I say this because i have tried it in the past.

A number of years ago i heard of and became involved in my local TimeBank. It was (and still is for some) a brilliant idea and i had high hopes of it working for me as i did sometimes struggle with a few things, mainly to do with heavy lifting. There were also tasks being offered on their list of skills being offered that i didn’t particularly enjoy doing and thought that a skill swap might be beneficial in this way, things like ironing, car washing and cutting the grass. I don’t mind general gardening, but i do hate cutting the grass, at the time i also had a rather large lawned area to do as well.

The rules were that the TimeBank Bods in charge would act as a third party and would organise who swapped with whom depending upon the skill required. They would hold a list of all people involved as well as a central point of reference for each person and an overall tally of each person’s ‘banked’ hours. There was a maximum amount of nine hours that any one person could bank before they had to get them redeemed. You didn’t have to have the points redeemed by the person that you did work for, it could be anybody on the list as it was the skill you were hiring rather than the actual person themselves. They would redeem their own hours from someone else. All materials used had to be purchased by the hirer, not the person doing the work.

I appeared to be quite popular. I was mainly offering sewing/alteration services and had built up to my maximum allowance of nine hours owed to me within a month. I shortened the arms of a couple of dress shorts including taking off and replacing the formal cuffs. I made a dolls dress from scratch, even had to create the pattern for it. The lady with the short arms also had short legs and requested me back to shorten a few pairs of trousers for her.

I also remember that this was around the time my mum passed away and she compared my loss to that of losing her cat a couple of years before. It had taken me about 20 mins to realise that she was talking about her cat.

Now don’t get me wrong, i am a pet owner, i have two dogs and a cat myself and i know how much they weave their way into our lives. They are our family. They are greatly missed when they pass. But i will also admit that i wasn’t quite in the right place at that time to agree with her. Just as well i’m polite…

Meet (from left to right) Maisie, Danny and Jazz.

…and know when to keep my mouth shut.

However, when she started asking me to make some custom cat clothes for her pets i discreetly refused. I also refused to give her my direct landline number so she could call me direct about any sewing she might need doing…

Anyway. I was up to my nine hours and needed to redeem some before i could bank anymore.

‘Goody Goody.’ i said, rubbing my hands in glee, ‘now what can i have? Oh, my car needs washing, i’ll do that.’ 

So i phoned the coordinator and requested it.

‘Oh, i’m sorry,’ she said, ‘we haven’t got anyone that can do that.’

‘Ok, i said, my son’s18th birthday is coming up, is there anyone can bake and ice a birthday cake?’

‘We’ve got someone that can make the cake, but they can’t ice it,’ She told me. 

‘Oh, i said, don’t worry, i’ll do it myself. What about a tip run, i’ve got quite a bit of rubbish that needs to be disposed of?’

‘Yes, we’ve got a guy that can do that for you, you’ll have to pay his fuel and he needs a desperate-screaming-woman-clip-art__k16052356permit to drive his van into the site so you’ll have to pay that as well.’

Ever think you’ve been had?

I had expected the fuel, but not his dumping permit for the year as well. I hadn’t thought to charge anyone for the cotton and notions i had used when doing the stuff i had done.

My bad, but what a pillock i was.

After a few other unsuccessful attempts to redeem my time, i told them it wasn’t worth it for me and i would be resigning from the Bank.

She said she was sorry to see me go.

I’ll bet she was. I reckon i was the only one doing any work!

That said, i still think it is a really good idea in principle. If you can check-mark-1292787_960_720find someone or a company that is reliable and trustworthy to complete the swap with then go for it. All i say is:

Make sure you do your homework first.

Have a happy day.

Anita. x