Hello Dear Reader,
Not my wood pile but it’ll make sense as I go on.
Here’s my thought for tonight. None of us should wait until we’re skint to be thrifty. In the future, as a pensioner, I’m going to be skint. I’ll have a limited income, no immediate or easy possibility to earn money and I’ll have to watch every penny. If you are facing retirement in ten years or more, you’ll be in the same position. You won’t be able to get your old age pension, which is currently available at 68 as by then, the goal posts will move and we’ll all be in our 70’s before we’ll be able to have it. So, we will have less money and we’ll have to get on with it. We have workplace pensions and don’t intend working until 68 and hopefully, fingers crossed will retire early at 60 and take reduced pensions if that’s still an option. Who knows where the goal posts will be by then? That might not be an option and we’ll have to reconsider our plans.
Now, whilst we are earning is the time to be thrifty, watch the pennies, save everything we can and live on less. We’re young and fit so can do with less heating, I can find bargains and we can make our own entertainment. Who knows what my health will be, if I need the heating on more or if the cold drives me to the Costa del cheap for a month each winter to stave off the cold. Who knows? Now is the time for me to be a cheapo, skint flint tightwad whilst I have the choice.
We’ve just paid out the last lot of money for the house in France!!! We’ve paid for the: rewiring, new back doors, furniture, tree surgery, electrical goods, hired a trailer to go over, paid for the ferry and gite as the house isn’t fit to live in yet and of course paid for the house, the estate agent fee and all legal fees. No more money going to France until we have to pay for utilities and council tax. After Christmas, when we sign for the house, we won’t go back until Easter. So, thrifty it is until then. The plan is to rein in any spending for the next four months. Please, will nothing break, need fixing or replacing!
Family members are being bought passports as Christmas gifts, we won’t be here for Christmas and will have a sandwich whilst working on the house! Christmas sorted and budgeted for.
It means, I can keep my purse shut, build up savings and hunker down for the winter.
I don’t have to buy much food this week as I’ve already cooked. Here’s my menu plan for the week.
Today – Chicken casserole, potatoes and steamed kale – this will also make two lunches for me this week.
Monday – Vegetable chilli and brown rice – this will also make two lunches for me.
Tuesday. – Fidgit pie – bacon, leeks, onions, potatoes baked with a cheese and mustard sauce on top.
Wednesday – Baked potato with cheese and beans – standard, we always have something either on toast or in a baked spud.
Thursday – Fish cakes, beans (from the freezer) and carrots.
Friday – Pasta with bacon, veggies and chilli (I bought a pack of cooking bacon from Aldi and I need to use it up)
Breakfast, yogurt, muesli, cereals, toast or variants there of.
Lunch, leftovers and sandwiches, apples for snacks.
My shopping list for the week.
12 pink lady apples
Sliced cold meat for sandwiches
plastic bags and foil.
SF orange squash
Now, back to the wood pile. I’m fascinated by wood piles in France. Some properties have ten metre long piles, ranged down one side of their homes. Neatly stacked a metre high, kept water proof and there for the future. We all need a bit of that French mindset. I’m sure they didn’t buy all the wood in one go. They will have bought another cubic metre when they can afford it and stored it away. They didn’t wait until they were skint and then start worrying about where the money is coming from to heat the house! As the saying goes, the time to fix the roof is when the sun is shining, not to think, it’s not raining so I won’t spend money on roof tiles. We’ll all have to face being skint one day whether through retirement or the insecurity of modern work where nothing is certain. Whilst we’ve got jobs and can work, in ‘these times’ we all need to thrift up! Not spending is the new spending, not staying in is the new going out and cliche after cliche but it’s the world we live in.
You might think, what’s the point of veggie meals and saving money on food and keeping the heating off? We rarely eat out or go out, we keep our spending low on utilities and over heads and keep to a budget. The little savings all add up, no nipping to the supermarket in the week, not unplanned spending and keep an eye on our increasing not depleting saving accounts. So, I’m pulling on the jumpers, eating plenty of veggie meals, amusing ourselves and as I said before, hunkering down for the winter.
Love Froogs xxxx