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Showing posts with label frugal life. Show all posts
Showing posts with label frugal life. Show all posts
Wednesday, 12 February 2014
Wednesday, 5 February 2014
Why I Don't Give Myself An Allowance
An alternative title for this post could be 'why saving money saves me money'. Quite simply - not having an allowance, or not giving myself any money at all for discretionary spending, means EVERY spare cent can be transferred to my debts. Once the bills are paid, the car is filled with gas and the groceries are bought, that's it. Anything left over goes on the debt. Anything additional that comes in goes on the debt. Nothing is held back for 'something I might need'.
'Ooh I'm about to drive past McDonalds and I'm hungry - should I get something?' NO. 'Shall we get ice-cream after we go for a walk on the beach?' NO. 'Just Jeans has a sale rack out front - shall I look through it?' NO. I don't have to worry about impulse purchases throwing the budget out, I don't need to do mental maths to make sure I've got enough allowance left to cover it, I don't need to feel guilty about wasting money. I quite simply don't spend any money, and to the fleeting thoughts I get, the answer is always the same - NO. In some ways not having an allowance gives me freedom - I never have to weigh up the pros and cons or worry that I'll feel guilty about something later. I can just relax and know that I've already made the decision for myself. It's given me a definite sense of peace.
For those who say they could never do that, that they simply must have money for x, y or z - to you I say sorry, you can't want it badly enough. You can't really want to make it through this bad patch, you can't really want to be debt free, you can't really want that dream holiday.
Having goals and sacrificing to get there is a humbling, rewarding, satisfying experience, not the restrictive, deprived process people seem to think it is. It's all in the mindset. I challenge you to strive to achieve what you never thought possible!
Wednesday, 29 January 2014
A Bag of Buns
Last week my colleague - a frugalista from way back - informed me that there were a couple of bags of buns out at our shared recycling area. After establishing with the company nextdoor that it was ok to take them and there was nothing wrong with them (they were just surplus to requirements and at their best by date), the above bag of buns was now mine!
I ate buns with peanut butter for lunches and snacks for a couple of days, until they were well and truly past their best! I then made a delicious bread and butter pudding:
And croutons for soup, to freeze:
This was a great find, and very much appreciated!
Tuesday, 28 January 2014
Love Soup Kitchen Rotorua
If you live in Rotorua and are finding it a struggle to get food on the table some days, Love Soup Rotorua serves free meals every Thursday night behind the Lakefront Cafe, between 6 - 8pm. You can either bring containers and take the food away, or stay and enjoy the community spirit.
For more information, click here.
Thursday, 23 January 2014
Portioning and Rehoming
Pre-portioning out food is not only convenient, but it also makes it stretch further. This week I bought cheese, butter and bacon, and portioned them all out. For the cheese, this meant cutting the block into approximately 100g wedges. I then froze most of them in reusable snap lock bags, and kept a couple in the fridge. Having the wedges ready to go means they're already a good size for grating for pizza etc. If I were feeling more industrious, I would have grated some of the wedges before freezing.
With butter, I etch out 100g portions and cut off one at a time, to keep in a container in the pantry. The rest goes back in the fridge. I've never had butter go rancid in the pantry, even after several days in summer. Soft butter is so much more usable than hard butter!
The bacon was on special at 900g for $5. 900g gave me 7 lots of 2 slices. I portioned them off into reusable freezer bags and froze them all for future use. This kind of rindless bacon is better for use in recipes than for eating on its own.
I also rehomed a swan plant on the weekend. I'm no environmental warrior, but I do have a healthy respect for nature. I had a bit of a disastrous experience with a $1.50 swan plant (all six monarch caterpillars died) and I was left with a scrawny plant that was of no use to me.
I didn't want to let it die so I took it to a grassy area next to my apartment building and transplanted it there.
I then reused the pot for the silverbeet plants I bought at the farmers market.
Sometimes being frugal isn't just about saving money, it's about being responsible with what you have.
Tuesday, 21 January 2014
My Frugal Grocery Shop
It was a sea of blue and white here after shopping at Pak n Save on Saturday! You've already seen what I bought from other stores, now I'll document what I bought at PnS. Remember I gave myself $140 to spend on two weeks groceries, and I spent a combined total of $135.80 - $99.70 at PnS.
I already knew that generic brands were cheaper, but Budget came out on top for a lot of the items I wanted.
- Budget lavender disinfectant, 2L - $1.85. I will eventually try vinegar as a cleaner, but until then I refill spray bottles with water and disinfectant. This can be used to clean everything. If you have extra tough grime to get through, use a little cheap unbranded jif. You don't need all the different varieties on the market.
- Budget canola oil, 3L - $8.49. This was the cheapest oil per 100ml by far.
- Budget chopped tomatoes, 400g - $.75c each (two bought).
- Budget 12 pack toilet paper - $2.99.
- Budget fettuccine pasta - $.92c.
- Budget oven fries, 2.5kg - $4.79 (for when my daughter has friends over).
- Budget mixed frozen vegetables, 2.5kg - $4.99.
- Budget sugar, 1.5kg - $1.95.
- Budget cheese, 1kg - $9.79. I bought tasty cheese, even though it was $.70c dearer, as it has a stronger taste, which means you can use less for the same flavour.
- Budget butter, 500g - $3.59. I could have bought margarine for around $2 cheaper, but I'm really uncomfortable about the amount of chemicals in marg. If I really had to, if my budget didn't allow, I would buy margarine.
Additionally I bought:
- Pams tuna chunks in olive oil, 185g, $1.99 each (two bought). These will be for lunches for me.
- Pams tomato paste, 170g - $.89c. For homemade pizza.
- Watties pasta sauce, $4.20g - $1.99.
- 20 pack tray of size 7 eggs - $5.00. Great price.
- Pams chicken salt, 65g - $2.59. For a meatless 'chicken' meal I want to make.
- Multix reusable sandwich bags, 40 piece - $1.99. This worked out to $.05c each - Glad Snaplock Bags were $.10c each.
- Pams coconut cream, 400ml - $1.39.
- Eta 10 pack chips - $3.49. These were one of two snack items for my daughter.
- Campbells mushroom soup concentrate - $2.25. This is for the meatless chicken meal as mentioned.
- Maggi onion soup mix - $1.15. For a soup/beans meal.
- Pams smooth peanut butter, 375g - $2.69 each (two bought). Price per gram the small jars were the same as the big jars, but the big jars were over $7 each and I didn't quite want to spend this much.
- Pams flour, 1.5kg - $1.95. I worked out a cup of flour costs around $.16c.
- Bananas, 810g @ $2.49/kg - $2.02.
- Bacon, 900g - $5.00. Great price.
- Mainland cheese slices, 250g - $2.89. I prefer processed cheese for toasted sandwiches, I don't know why!
- Hellers shaved pastrami, 200g - $1.99. This was marked down to half price for being short dated - will be perfect for homemade pizza. I have frozen it.
- Pams milk, 1L - $2.15.
- Savoury luncheon - $2.22.
- Chocolate cake, reduced to clear - $.99c. The second treat for my daughter.
- Pams frozen chicken size 20 - $9.99.
A note on the 10kg bag of taters I bought: When I got home and opened the sack up I was delighted to discover they were washed potatoes.
Unfortunately my happiness was short-lived as almost immediately I realised the contents smelt DISGUSTING. I thought maybe I'd been duped until on further inspection I realised the offender was just one potato. Never underestimate the stench of a rotten potato. I threw the little stinker out, but the potatoes still smelt terrible. So I filled the sink with water and salt and poured the potatoes in and gave them a saline bath, before drying them on a towel on the bench. I'm very pleased to report the smell is gone from the spuds and my $7 wasn't wasted. Bonus is I don't have to rinse them before use now, they're good to go!
Tomorrow: What I've made so far this week.
Monday, 20 January 2014
A Saturdays' Frugal Shopping
NB: No I didn't steal a shopping trolley! It is for use in my building to get groceries from the basement carpark to your apartment.
On Saturday I decided to visit several food stores that I hadn't been to before. I already shop at Pak n Save which is definitely the cheapest supermarket, and I know what items my local Asian grocery store sells that are cheaper, but there are a lot of places I hadn't patronised. It was great to do an appraisal like this, as prices for some items varied greatly. I won't visit each store every week now, as petrol is too expensive, but I will go when I have a few things I need and it makes economic sense to do so.
In anticipation of an extremely frugal food challenge I will be setting for myself in February, I decided to withdraw $140 in cash, and that would be all I was allowed to spend. $140 is at the higher end of what I would normally spend on a weeks groceries, however I decided that whatever I bought would need to last TWO weeks rather than one. This would help give me an idea of how far basic staples would stretch, and really get me in frugal food mode. In the end I spent $135.80; .20c went into my car console for parking money, and the other $4 went into an old piggy bank I have decided to start using.
The first store I stopped at was an Indian supermarket. They had a MASSIVE range of beans and various other legumes, I had no idea how many varieties there are! Not only that but they were all around $5 a kilo - about half the price I found anywhere else. I will definitely go back when I need to stock up. I will probably also purchase flour and rice in bulk there when I have the money for the initial outlay. The only regret I have is not buying bananas there at $1.99/kg. I thought I'd seen them cheaper elsewhere but as it turned out the next cheapest price I found was $2.49/kg. I ended up buying a 700g bag of small carrots for $.99c (perfectly sized for grating into a bowl of pasta, sandwich or homemade pizza), 1.5 cups of dessicated coconut for a recipe I wanted to try for $.72c, and a packet of butter chicken seasoning for $1.99.
Next stop was a fruit and veggie shop (the one in Gate Pa, Tauranga, for anyone interested). The prices weren't as low as I had hoped, but I did get a large butternut pumpkin for $2, a 2kg bag of large carrots for $3, and two punnets of blueberries past their best for $1 each. I was pretty stoked about them, I hardly ever buy blueberries as they're so expensive! They'll be good for smoothies. Some of their fruit was cheaper than the supermarket and they had capsicum for a low $1 each, but I didn't need any of it.
I then went to the Couplands bakery nextdoor for four of their $.95c mince and vegetable pies to pop in the freezer for easy meals. If I hadn't started making my own bread, I would have stocked up on 4/$5 Couplands bread.
Next up I drove to a store that I hadn't been to since I was a kid - Bin Inn! I didn't even know they were still around until I saw on the internet that they stock something I wanted. As I walked in I noticed a couple of 10kg bags of potatoes at the door for $7.99 each, so I happily grabbed one. Other 10kg bags I'd found were $8.99 - $10.99. The item that had drawn me to Bin Inn was washing soda, to make dishwasher powder when combined with equal parts baking soda. Washing soda was $.36c/100g, and non-food baking soda was $.30/100g. So I bagged up several cups worth of each and shuffled down the aisle a bit - only to discover a bin labelled 'dishwasher powder' for $.60/100g! So I poured both bags back in and instead got 750g of ready-made powder and saved myself $.6c/100g and the effort of making it. Later on when comparing the price I saw on Countdown Online that Active Dishwasher Powder was on special for $5.49 for 1kg, aka per 100g, cheaper than the bulk brand. I would have been miffed except at that point I looked at my receipt and discovered that they had accidentally charged me the price of washing soda - $.35/100g. So it was cheaper, $2.62 for 750g, but next time I wouldn't bother. It was a good reminder that it isn't always cheaper to DIY.
I also bought a small amount of nappy san for $.40c, a little milk powder to make milk for baking for $.67c, a 500g bag of brownie mix (just add egg and water) for $2.31, and 800g of cornmeal for $3.58 to make cornbread. I'd been looking for cornmeal for ages! When I went to pay they forgot to ring up the bag of potatoes and when I pointed out their error they rung them up separately and said to just make it $7, so $.99c off. So that made it $.70/kg which I was very pleased about as I normally buy loose potatoes for $2/kg! Their beans were $10/kg so I won't buy them but next time I go I might take some of my own bottles and fill them with cheap detergent etc.
I then went to my local farmers market to see if they had any cheap veggie plants available. On the way in I spotted a large courgette for $1 so I bought it, and a rosemary plant for $2. The veggie plants looked a bit withered but I bought two different varieties of silverbeet for $1 each, marked down from $1.50 each. When I got back to my car I put the little veggie pots into a plastic bag in the boot and gave them a drink from my water bottle to start to rehydrate them.
Finally it was time to go to Pak n Save, and at this point I had $100 in notes and a few coins left. So I took the notes and my shopping list and did my shop, mostly sticking to the list, just getting a couple of extra specials. I also grabbed several snack items that I knew my daughter would like, not expensive, but not rock bottom frugal and not actually required either. When I got to the checkout, I reserved several items in my trolley and when the tally got to around $95 I had to decide what I wouldn't keep from the leftover items. In the end I didn't buy 2/4 of the snacks for my daughter, nor a can of cooking spray or a coriander plant. I felt a little embarrassed but the checkout lady instantly knew what I was doing and said she and her husband do the same, withdraw a set amount of cash for the groceries each week and don't allow themselves to go over it. She even made the suggestion that next time I keep a running tally on my cellphone as I go! I spent $99.70.
I got home extremely pleased with my loot and happy that I had educated myself through this exercise. In theory I don't agree with visiting several different supermarkets each week to buy the specials, as I feel the cost of petrol negates the money you save, and at each supermarket there is the temptation of buying things you didn't actually need simply because of the variety. But this was well worth it.
Tomorrow: Frugal items I bought at Pak n Save.
Thursday, 16 January 2014
How To Avoid Being Fired
This post is definitely tongue in cheek! But hey - you never know when it might actually get you out of a bind! If your job is already a bit shaky and you don't need lateness to be the straw that broke the camels back, investing in $20 worth of donuts might just be enough to save your job! And going forward - make sure you remember to set your alarm!
Wednesday, 15 January 2014
Could You Survive On $1 A Day?
This couple decided to give it a try. It was an interesting journey that went beyond just budgeting $1 a day for food, it made them look at spending, waste, and how much we in developed countries really do have.
Thursday, 9 January 2014
Frugal Fourteen is on Facebook!
Like my facebook page for an easy way to get regular alerts to new posts, and share posts that you find useful with others.
Tuesday, 31 December 2013
Why Frugal '14?
The short answer is that I have debt, and I don't want to have debt. If I can shave off every unnecessary cost possible for 12 months, then I'll be able to pay off most of that debt. The second reason for doing this is that I love having a theme each year. In past years I've had everything from bucket lists to nail polish challenges (yep, blue toenail polish for 365 days). So why try and save a few dollars here and there, when you can make your whole year about it?
In searching for frugal tips online, it amazed me how much pointless advice there is out there. When the fridge is bare and the power is about to be cut off, helpful gems such as 'buy a smaller house' and 'cancel your magazine subscriptions' just don't cut it. It's my goal to dig out all the rock-bottom, penny-pinching, your-grandma-did-it-in-the-depression frugal tips I can find, and try them out in 2014.
This blog is to document my year, but I hope others find value in it too.
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