Making Ends Meet – The Essentials

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Posted on December 11, 2013

In an earlier post I identified the essentials for life as shelter, food and clothing.

I talked a bit about food and how you can immediately reduce your costs by creatively using what you have on hand and also the importance of not wasting precious food.

Now for the other 2 essentials before we move back to food.

Shelter

I know it is unwise to assume, but for the purpose of this exercise I will make the assumption that you currently have somewhere to live. This means that you will most likely have the expense of either rent or mortgage payments. These need to be your first priority when you are accounting for money and if you are unable to meet this payments then your situation is very dire. You should seek financial counselling as soon as possible.

It is not a good idea to try to sell or move to another rental property when things are really tight as there are costs associated with moving house, so, if it all possible, it is best to see if you can possibly maintain your current location by cutting back in other areas. If it is absolutely essential that you move, you could consider moving in with other family members as a temporary solution or sharing with another couple or family to reduce the costs. All of these strategies have been done before, and whilst not perfect, they are better than ending up homeless.

Clothing

“It is interesting, because I often don’t think of clothing myself as an essential. When I was trying to save for a deposit for a house, that’s the category I set to zero (save for a three week holiday I budgeted for overseas, and within that budget I was allowed to buy whatever, which happened to include lots of clothes!). Admittedly, most people have clothing, so can skimp for a while. And there’s free clothing, through hand me downs, swaps and freecycle. Or there’s op shops. Still, very interesting reading!”

This was a comment in response to my post where I placed clothing in the ‘essential’ category. Having clothes to wear is essential – we are not in the Garden of Eden – but buying new clothes is definitely not essential! In fact, like Sarah’s comment, in tough times the clothing budget should be set to zero.

Think about this: You had enough clothes last week and nothing has changed so there is no need to go and buy more. Children’s clothes can be let down, patched and created from refashioned adult items. Check out websites and you will find many references to challenging yourself to buy no new clothes for a year. It can easily be done.

A final tip: Use it up, wear it out, make do or do without.

In my next post I will look at what meals I can create using the list of contents of Sarah’s refrigerator and pantry.

Making Ends Meet – Emergency Action

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Posted on December 9, 2013

As I mentioned in my previous post, these are the things that you can do immediately that will make a difference.

1 Eat from what you already have

We have all heard the cry, “But there is nothing to eat!” If you are living in a developed country it is very, very unlikely that this is the case. In fact many of us do the grocery shopping out of habit as much as for the real need of buying food. The other thing to consider is that in the UK, USA and Australia research shows that somewhere between 20 and 40% of all food is wasted. Imagine buying 5 bags of groceries and throwing 1-2 bags full straight in the bin. It sounds ridiculous but that is essentially what is happening.

The first step is to make an inventory of what you have – in the refrigerator, freezer and pantry. Then plan as many meals and snacks as possible from what you have. Trawl around the internet and you will find literally hundreds of sites offering ways to create meals from limited ingredients.

2 Stay away from the shops

If you are not there you cannot spend money. It is simple really. Shopping is not entertainment.

3 Curtail your car usage.

Walk or cycle everywhere that you possibly can.

4 Minimise your heating costs

Wear more clothes at home. Put a beanie on. It may not look glamorous but a disproportionate amount is lost through your head.

Do all of these things for 2 weeks and you have immediately saved the equivalent of what you would normally spend on:

Food
Incidental purchases
Fuel
Heating

Try it and see how you go.

If you would like to send me a list of what is in your freezer, refrigerator and pantry right now I will do a menu plan for a week (at least) and use it as the basis of an upcoming post. Just let me know the number in the family and ages of children. You can email me at the address in the ‘About Me’ tab at the top of the page.

Making Ends Meet – Expenses

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Posted on December 8, 2013

We all have different expenses and priorities but I will try to cover them all using some broad categories. Not all categories apply to everyone and please add any of your own. Please feel free to let me know what I have omitted.

The necessities are really shelter, nourishment and clothing. There are lots of other things that we see as essential in Western cultures but if we strip it all back these are the bare necessities so we will start with them first.

Mortgage repayments or rent
Food
Clothes

Other ‘essentials’

Debt repayments
Transport costs – car and/or public transport
Utilities – water, electricity, gas
Communications – telephone, internet
Heating, cooling
Education costs
Health – including health insurance
Other insurances – house, car, life

The first thing you need to do is to know how much you are spending in each of these categories at the moment. Some, like rent or mortgage payments will be easy as it is a set amount. Decide on a timeframe such as weekly, fortnightly or monthly and then work out how much you are spending in each category for the specific timeframe. I would recommend weekly or fortnightly, however, monthly is an option if you are paid or receive benefits as your major income source on a monthly basis.

Now, you need to add up what you are spending on the essentials and what income you have. Is you income enough to cover your essentials? If not, you will need to work out how you can cover the shortfall. Increase income? Reduce costs? Even if you have calculated that you have enough income to cover the essentials, now is not the time to be feeling smug. Remember, there is no allowance here for gifts, treats, outings, birthdays, Christmas, haircuts, coffee, snacks or eating out. If you think this sounds extreme, it is, but it can be done.

Read this link from Frugal Queen’s blog. http://www.frugalqueen.co.uk/p/our-story.html I began reading this blog about 3 years ago and it is absolutely inspirational. Froogs pulls no punches about what has to be done to improve your financial situation but she leads by example and we would all do well to follow her lead. Once you have read the previous link, I would strongly suggest that you take the time and read the blog from the very beginning. You will not do it all in one sitting but you will start to see that by taking some fairly drastic action you will see the light at the end of the tunnel. Some things will be relevant and others will not but the message is clear – take responsibility for your own financial position and do something about it now! Cut your spending to the bone. There is no use mincing around the edges and wailing that you can’t do it. You can and you must.

Tomorrow I will cover what I refer to as ‘Emergency Action’. These are things that you can do right here and now that will make an immediate difference. You will not necessarily be able to continue such drastic measures long-term but it will help to kickstart your journey to balance the budget.

Making Ends Meet – Be Honest

Downsizing the Drawers

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Posted on December 2, 2013

Last week I showed you some of our furniture restoration projects. Like everything we do they did not come to fruition quickly. In fact, The Duke found the receipt for the new hardware for the drawers which was dated May 2012!!

The drawers are finally finished (apart from the mirror) and have been moved into our bedroom.

This is what they have replaced.

The first step was to remove the contents from the existing chest of drawers.
As per any good decluttering guide, the first step is to remove everything from its existing location. Even though it was completely necessary to do it in this instance,it is certainly sobering to see the entire contents piled on the floor. I was amazed at the things that I ‘found’ that had not been worn for some time. After carefully sorting the items I managed to toss 2 pairs of socks and an old t-shirt. There probably should have been more but it is a case of small steps.

I also removed the drawer liners and cut the pieces to size to re-use in the new drawers.

It took a bit of judicious re-arranging but the clothes all fitted in. This was mainly because the drawers in the new dressing table are somewhat deeper than in the previous chest of drawers even though there are less drawers.

This is my new dressing table/clothes storage which is silky oak timber. The silky oak tree is native to the local area in which we live. We bought this about 2 years ago and The Duke stripped all of the paint from it, sanded and stained the piece of furniture. All of the drawer handles are new reproductions of a style similar to what would have been on the drawers originally. All that is left to do is to get a new mirror cut and place in the oval frame which will be suspended between the 2 timber uprights that you can see in the photo. We are taking the old mirror to town tomorrow to get it done.

I am really pleased with how this has turned out. There is a huge degree of satisfaction in restoring old pieces of furniture and bringing them back to life.

Organised Kids

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Posted on November 26, 2013

On Friday afternoon The Duke and I picked up Miss O as she was coming to stay for the night and most of Saturday before meeting up with her Mum at a family BBQ late on Saturday afternoon.

Whenever either of the grandchildren come to stay something invariably gets forgotten and it is often a toothbrush so we reminded Miss O when we arrived. This time it was spare underwear that was left behind and then when it was bedtime she announced, “Mum forgot to pack any toys”. I pointed out to her that it was not actually her mother’s responsibility to pack toys – after all Miss O is nearly 6.

I decided to help Miss O to try to overcome things being forgotten so we made a packing list.

This is what we created. Miss O decided what needed to be on the list and with the aid of Google we found images to go with each item. Naturally, there will be seasonal variations and not everything will be required each time she packs to go somewhere but I am hoping it will be a useful prompt.

We did not get it quite finished on Saturday but it is all done now, laminated and posted to Miss O as promised.

The picture prompts will also encourage her reading skills.

Woodshed – Finished

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Posted on November 17, 2013

As you know, we demolished the old chicken run a couple of months ago but left the woodshed which was attached to the end of the run. There was only chain wire between the coop and the woodshed and this was removed during the demolition process, leaving the woodshed without a side wall. We had plenty of Colorbond sheeting which we salvaged from the demolition and yesterday The Duke created a side wall. We also had to add a narrow strip to the roof and then finished it off with some metal angle, also salvaged.

The finishing touch was to plant a climbing vine that we bought yesterday. It is a Richmond Birdwing Butterfly Vine. I have been meaning to plant one for ages but have not really had the right spot.

I finally finished tidying and sorting all of the wood in the shed. The wheelie bin is also full of kindling. All of the wood is now in one place instead of various spots around the garage and under the house as well as the woodshed.

This is the area where the chicken run was so we are planning on extending the area which is planted with heliconias, gingers and bromeliads. These are currently on the embankment to the left of the photo and we will extend it into the vacant space. I plan to move some rocks to create a defined edge to the area . The ground has lots of leaf litter as well as chicken manure and composted vegetable scraps so I don’t think we will have any trouble getting them to grow.

Just to let you know that starting from tomorrow I will be doing a series of posts about the practical applications of having a smaller selection of clothes. Please join me then.

Furniture Restoration

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Posted on November 16, 2013

I do not have photos of each piece but The Duke and I have been busy today, working on 3 different pieces of furniture.

The main piece is a silky oak chest of drawers/dressing table which we finally got around to beginning to stain. We bought it unrestored a couple of years ago and the Duke worked hard to strip all of the paint and sand the individual pieces. The oval mirror which attaches to the top has been dismantled and that was what was holding us back. We needed to have it resilvered and there always seemed to be something more pressing to do. The Duke searched on the internet and found that a large glass and mirror business in the city no longer do resilvering as it is cheaper, easier and more accurate to cut a new one, no matter what the shape or if there are bevelled edges. We will have the frame stained and take it with the old mirror next week to get a new mirror cut and fitted into the frame. Once it is finished it will replace the current pine chest of drawers that I am using.

On the left-hand side of the photo is what was originally our TV cabinet which was used by our daughter for a few years and then found its way back home. Today we have sanded and undercoated it and the finish will be gloss white enamel and it will go in the guest (Air BnB) bedroom instead of the small decoupage desk which is there at the moment.

Finally, there is a pine blanket box standing on its end in the background. We plan to use this as a storage box on the verandah. It will hold BBQ supplies and tools and will be painted ‘Woodland Grey’ which is the colour that we will be using for a lot of the exterior trim as well as all of the fenceposts. We have had this box for over 30 years but it has been superseded in our bedroom by an antique cedar chest. It had heavy rope handles which we removed and are replacing with metal handles. We bought them some time ago from Paddington Hardware along with all the new handles for the chest of drawers. The holes where the rope was attached needed to be filled so I sanded a piece of an old broomstick and cut it into pices to plug the holes. We overfilled them with Plastibond and tomorrow will sand the box including the Plastibond.

It may take us a couple of weekends to finish them all but I am looking forward to taking photos of the finished articles to show you.

Make & Mend – Shelving

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Posted on November 15, 2013

My latest project is something completely different. I designed and made a piece of furniture. ‘Furniture’ is probably a slightly too grand to use as a description for the rustic shelving unit which is made from vintage wooden crates and lengths of undressed pine.

This creation is the culmination of much discussion over a number of years. When we first moved into our home in a country town in South Australia we discovered that the large shed held numerous old treasures that had been collected, perhaps even hoarded by previous owners. Amongst these items were 5 solid wooden crates which had been used to hold explosives. This was evident from the markings on them.

Over the years we have moved house twice, downsized and decluttered many things but the crates, which were someone else’s cast off stuff always managed to make the cut. The Duke would vaguely suggest that we could use them for shelving and they have often been simply stacked one on top of the other and used to store various things in the workshop. I had always had a rough idea of a design for shelving which would make the best use of the boxes that we had. After (yet another) clean-up in the workshop the other weekend my plan finally became clear. I found 2 identical pieces of undressed pine in amongst the odds and ends of wood. The Duke said that they were part of the packaging on the roll of fencing wire we had bought when we were building the chicken run. I needed 8 matching pieces for my planned shelving so I asked at the local farm supplier from whom we had bought the wire. He was happy to give me 6 more pieces that were sitting on a bench out the back of the shop. The pieces of pine would make the ends and legs for the unit.

The Duke trimmed the pine to the length required and we then set about assembling the shelving unit using my design which I had roughly sketched on a piece of paper to convince him that it was feasible.

The only cost was $7.00 for some screws. Some were from our stash but we needed to buy more to complete the project.

The shelves will provide some additional storage in the workshop and were a practical way to use the boxes which had been deemed as too good to throw out. By the way, I checked on eBay and found that similar ones were for sale at between $20 and $60 each. What is my designer original shelving unit worth? I would say that it is priceless!