Mindful with my money
Thursday, 14 May 2026
Rice up against hunger!
Sunday, 10 May 2026
Having the conversation
I think most adults have more fun giving than receiving. For myself, I also have the pleasure of making things. I sew. crochet, knit cook and papercraft most of my Christmas gifts and love to create throughout the year. However, I am very aware that receiving a Christmas present may create the expectation that someone has to give a Christmas present in return and of similar value.
What I mean about "the conversation" is agreeing to dial down Christmas presents between friends. With some friends I have a cooking agreement - I'll make you a pudding, you make mince pies, that sort of thing. That eases the pre Christmas cooking burden for both of us. With others it's "let's have a special day out together after Christmas" so the generosity of Christmas is extended into the New Year. For another I give something to a charity - this year one friend's loo will be twinned with a loo in Nigeria. That gift is much more than I would normally spend on a Christmas present but it is also a contribution to a cause dear to my own heart, with a charity working in a country with which I have a personal connection.
Apart from the cooking, this doesn't save much money but it is a more thoughtful way of giving and is truly mindful.
Sunday, 3 May 2026
Peak save
I save laundry for Sunday, especially if I have to do a more expensive load and even more especially if I have to use my tumble dryer. I realise that some people may be tut-tutting at the very mention of a tumble dryer but please remember that I am disabled and struggle with some tasks. I hang things on airers when I can. A couple of weeks ago I washed my bedspread. It is quilted and heavy and needs quite a bit of tumbling. While the bedspread was drying, I did the quarterly clean of the washing machine and monthly clean of the dishwasher.
My trundle truck (mobility scooter) goes on charge as do my iPad and iPhone, vacuum cleaner and electric scrubber. The rechargeable batteries get a treat as well. I try to do my freezer inventory during these PeakSave times as the freezer door is open quite a bit when I am doing that.
I didn't use my oven this week but sometimes I fill it with bread and batch cooked meals.
British Gas offers PeakSave to encourage domestic consumers to use energy during periods of low demand from industrial and commercial consumers. I get things ready on Saturday as I don't like rushing around on Sundays but most of these things look after themselves once I have switched them on.
Monday, 27 April 2026
Reducing water consumption 1
I had to look that one up but I know how much water I use per day in my single person household. Fifty two litres. That is my average daily consumption so far in 2026. So I use about one third as much as the average person.
Back in 2024 I got a smart meter for water. It's not quite the same as a smart energy meter. That comes with an in-home display so can see how much electricity I am using in real time. For water there's no in-home display but I can go to the Anglian Water website and see how much water I use each day.
It has made me very aware of my daily consumption. I have a spreadsheet to help me monitor usage and work out how to cut down.
I have a wet room rather than a bathroom so I don't take baths. Instead I take navy showers.
What's a navy shower? It's water saving technique. I stand under the shower for 20-30 seconds to get wet then I turn off the water. I apply soap and shampoo and then turn the shower on again to rinse myself. The shower is probably running for less than two minutes in total. And I have a water saving shower head as well.
Wednesday, 22 April 2026
The faintest ink is more powerful than the strongest memory
Once a month I create an account of all that I have spent
and what I have done. To use fashionable language, I have made myself
much more mindful of where the pennies go
Before I retired, I was far less obsessive about it but I
realised that I would have to be more careful now that I have a reduced
income. The amazing thing is that I feel as if I have an increased
income. It feels as though I have more money than ever I had! I go
out for lunch several times a month, I have a few mini-breaks each year and yet
I never have to worry and I can save for treats or the inevitable rainy days.
Flylady used to have the acronym FACE - Financial Awareness
Continually Empowers - maybe she still does. Knowing what I've got and
where what I had went to has certainly empowered me. And writing it all
down makes it even more real. The faintest ink is truly more powerful than the
strongest memory.
Saturday, 18 April 2026
Cottage cheese
If there was one everyday item which I used to waste a lot, it was milk. I know this isn't a problem for most people but in a household of one person who doesn't eat breakfast cereal and drinks her coffee black, it can be difficult.
So I make cottage cheese. Heat the milk to just below boiling point, add a generous squeeze of lemon juice and stir. The milk will curdle. (IT IS NOT THE SAME AS LEAVING MILK TO GO OFF! DO NOT DO THAT!) Leave it to cool a little then strain it. I use muslin inside my sieve. Leave it until all the whey (a colourless liquid) has drained off then put the cheese to chill in a dish in the fridge. The whey can be used in baking.
It does not have the same texture as a commercially produced cottage cheese but it has more flavour. You may want to add salt.
Sunday, 12 April 2026
Small saving
I find that I can then put it into the pan with the sauce I am making (maybe just chopped tomatoes, pepper and onions) and heat both together. That way I've saved both time and money.
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