75% off seeds at Wilkinsons

Posted by louisa on Thursday 7 July 2011 in frugal, growing | 10 comments

It feels a bit early (in general and earlier than last year) but various shops have started selling off their sow-by-2012 seeds cheaply.

I was near a Wilkinsons yesterday (I heart Wilkinsons – I nearly wet my pants when they opened a big store down the road from our old house in Leeds and it’s one of the things I miss most about living in Leeds. #sadconfession) and popped in to peruse their packets — all 75% off in store (they seem to be 3 for 2 on the website). I went a bit mad at first and ended up putting about a dozen of them back but I did buy…

That’s:

2 x dwarf french beans (Canadian wonder – 120 seeds per pack) = £0.25 a pack
2 x runner bean (white emergo – 40 seeds per pack) = £0.32 a pack
1* x broad beans (Bunyards exhibition – 50 seeds) = £0.56 a pack
3 x nasturiums (trailing single mixed – 35 seeds per pack) = £0.49 a pack
1 x onions (bunching ishikura – 375 seeds) = £0.32 a pack
1 x pepper (“sweet” mini red – 50 seeds) = £0.32 a pack
1 x beetroot (boltardy – 275 seeds) = £0.37 a pack
3 x cucumber (telepathy F1 – 5 seeds per pack) = £0.39 a pack
1 x phlox night scented (200 seeds) = £0.32 a pack
2 x sweet pea (mixed – 25 seeds per pack) = £0.56 a pack

So 17 packs of seed for £7.35, rather than nearly £30 – I’m quite happy with that.

* I would have bought more of these even though they’re branded so more expensive, but this is all they had

Combined with the (18) free packets I’ve collected one way or another this year, and what I’ve haven’t used this year and the seeds I’ll save from my Real Seeds purchases this year (achocha, special peppers etc), I think I’m about all set on the seeds front for next year already – perhaps some more broad beans (as they’ve been fab this year), some courgettes (as I don’t have much luck saving seeds due to being hybrids/cross-pollination, and we heart courgettes) and some basil, but that’ll be it. Hurrah! :)

Apparently Dobbies and the super cheap supermarkets (Aldi/Lidl etc) are heavily discounting their seeds at the moment too.

Have you started buying seeds for next year too? Have you spotted any other seed bargains out there?

What are your favourite recipes to batch cook?

Posted by louisa on Friday 1 July 2011 in cooking, Featured, frugal | 9 comments

I mentioned in passing the other week that we’ve got a bit more freezer space these days and I’m keen to fill it with homemade ready meals and good food, so there is no room for processed stuff (or vast quantities of ice cream) from the supermarket.

John and I don’t particularly batch cook but we do generally cook large portions of things – nearly everything that takes longer than, say, 20 minutes is made in double portions (so it’s two dinners for the two of us) but a pasta sauce or curry might be eight or ten portions (two fresh dinners for us, the rest frozen for future use). Making a large batch of pasta sauce or curry doesn’t take any longer than a small one but the leftovers only take a few minutes to reheat next time.

But then I hear about people doing proper en masse batch cooking and I feel like such a homemade ready meal amateur. For example, this wonderful lady managed to make 46 dinners for her family of four, from things that cost just $96 in a reduced-to-clear meets batch cooking extravaganza.

I’d like to start batch cooking more – making eight to ten portions of any one thing at a time – but I’d like a bit more variety — the aforementioned curry (usually keema & chickpea achar) and pasta sauces are great, as are soups and versatile bean chillis, but I’d welcome more ideas for a bit of a change, and also to have ideas in mind so I can take advantage of more reduced-to-clear type bargains.

Do you batch cook? Do you set aside an afternoon/evening every so often to do it or do you just do it as you’re going along? What are your favourite recipes?

First half of 2011 spending breakdown

Posted by louisa on Thursday 30 June 2011 in frugal, low spend 11, personal finance | 6 comments

After the one I made for my June spending at lunchtime, I’m in a graph making mood so I’ve made one to show (myself) where my money has gone in the first half of 2011.

Here’s said graph:

And here’s the details in a table:

(** Takeout food and restaurant bills; my share of all bills or the total bill if I paid for everyone.)

Inspired by Shoestring Alley, I started tracking my spending at the start of the year and decided to record everything I spent “frivolously” – ie. not core bills or to-be-eaten/prepared-at-home food, but everything else. I wanted to start doing it to make me more conscious of my spending habits – to see where the money goes and to know that if I buy something silly/completely frivolous then I still have to hold myself accountable over it. A tool to help me reduce spending & consumption across the board.

It’s really worked – I’ve spent far less money on random things than I ever have done before. I’m actually really surprised how low “books” is as back when I was working full time, I could easily spend that on books each month and I got my money’s worth out of my book buying even then. (Disclaimer: most of the work-related stuff is books too, but books I wouldn’t ever buy or read if I didn’t need them – I would NOT be reading Shakespeare if I had a choice in it! ;) )

Apparently it takes just over two months to form a new habit and I think in the last six months, I have formed a habit of being conscious of my spending and not giving into temptation/the desire to buy things. Over the last month in particular, I’ve not spent a lot (by my previous standards) of frivolous money but I’ve not in any well felt hard done by, which is good, because that could lead to binge spending. There is still room to easily cut down – on lazy/convenience food, on pretty household stuff (related to us still settling in/decorating our house), and on craft supplies – but aside from food & travel costs, I’m pretty ok with it.

Do you track your spending? Do you find it motivating or restrictive?

June – end of month review

Posted by louisa on Thursday 30 June 2011 in goals, less than 12 clothes challenge, low spend 11 | 5 comments

I seem to have been writing a lot of review-type-posts lately – all very introspective (sorry!) but I do very much learn from my past mistakes so it’s good to think about them. So then, June….

Goals in 2011 progress

We’re finally starting to get good food from the garden so I could see myself easily doing “full meal from the garden” thing in July. I haven’t made any provisions for the off-grid stuff though.

I’ve been starting to take cuttings of various herbs and will continue to do that – and I’ve come up with a way of measuring success of that goal — a list of things I’d like to successfully propagate this year (and a few things I’d like to try to overwinter – since that’s a similar idea).

My making stuff with wood has slowed down – boo – and aside from a little embroidery, haven’t done much craft stuff either – no outfit sewing either. Inspired by this tutorial though, I’m going to set aside a day in July to do a bit of sewing and I’m also tempted to join the Crazy Aunt Purl holey jumper KAL — that would be my first knitted jumper (and, um, actually my first knitting since I fell in love with crochet nearly two years ago!).

No more fishing progress – boo again – but I might try to get us a day booked in before the main school holidays start – I think I have a week window between being busy with drama and the holidays so better get a move on!

Not really baked that much, not made cheese, not done any cold-smoking and not met any internet people. Been a bit lazy recently really! Recapping that here make me feel I should be a bit more motivated in July!

Buy less than 12 items of clothing in 2011

Not bought anything this month – so my clothes buying tally is still zero (with just a few second-hand/BNWT bras from my exception list last month). I can’t believe I’ve not bought any clothes for over seven months now!

Six frugal-friendly tips to get the most out of shop loyalty cards

Posted by louisa on Thursday 23 June 2011 in frugal | 0 comments

Last week, I asked about who uses supermarket loyalty cards – whether they’re a frugal necessity or something to be avoided.

We had so many interesting responses that I thought it was worth summarising the excellent advice here. There *are* privacy implications and by using cards, you are generally making it easier for big companies to market their wares to you – but if you do want to use them, make sure you get the most out of them.

Turn them into vouchers/rewards

Lynsey said:
We have Tesco’s clubcard which is great as their vouchers can be turned into 3 times the face value for things like magazine subscriptions (we get ours using the vouchers) and it’s also very handy for us as you can turn them into Channel Tunnel vouchers so £30 of vouchers becomes £90 towards the crossing. We never use them in store for face value and always use them at 3x.

Jo of The Good Life also said:
I get quite a lot of vouchers back from Tesco which I use for meals out and magazine subscriptions. I’ve even had a RHS subscription and tickets to Gardener’s World Live though Clubcard Deals. You used to get four times the face value of the voucher if you spent them on rewards, but you now only get three times their value, but it’s still a great saving.

I’ve also seen the Frugal Queen talking about swapping her Tesco’s points into Cafe Rogue vouchers and my mum & dad swap them for magazine subscriptions and La Tasca (?) vouchers. If you’re already going to buy those magazines or dine in those places, this makes a lot of sense.

Resist their attempts to persuade you to spend money

Strowger78 said:
You have to be very careful! They will send you a blizzard of stupid vouchers for money off things that you don’t need. You must be disciplined and not use these.

And the same goes for those vouchers – they’re a waste of money if you wouldn’t normally buy those things.

Be inconsistent and they’ll reward you

Strowger78 also said:
The best results seem to come from not consistently shopping at one supermarket. If you always spend £100/wk at Tesco or Sainsburys, I think they confine themselves to offering you vouchers off things you don’t normally buy.

If you aren’t consistent, they’ll eventually send you bundles of quite useful money-off vouchers. For example I’ve currently got a load of £7 off £70 and £5 off £50 Sainsburys and Tesco vouchers. They send these to try to entice you “back” to doing your “main” shop with them.

Link your card to bank accounts/utility bills for extra points

Lynsey has a Tesco credit card and gains points for money spent on her card. Meg had her Nectar card linked to her gas & electricity company (until her power company stopped doing that); other power companies have, at least in the past, been linked to Tesco for similar purposes. Cooperative dividend points are earned on just about anything in the Cooperative family – including bank accounts with The Cooperative Bank and Smile.

Use them when buying same-price-everywhere things

Shoestring said:
I use my Boots loyalty card to buy all of my make-up and most of my skincare stuff (I build up points by buying other stuff there, like my Vodafone top up voucher.

I didn’t know you could collect point on top-ups — do stamps count too?

But most importantly: forget points, use the cheapest option in the first place

Joddle said:
Privacy isn’t my issue with loyalty cards. I think the clue is in the name really. Once a loyalty card is signed up to, it may be so that people choose to spend more money in that particular shop than they might otherwise.

I find that the cheap shops don’t offer loyalty cards as they keep their price point down in the first place. For example Boots = expensive; pound shop generally very cheap. Superdrug has recently started doing one, which blows my theory a bit.

I don’t consider Superdrug particularly cheap so maybe it doesn’t blow Joddle’s theory that much – but I agree with the rest: Wilkinsons, Home Bargain and the like offer name-brand toiletries for far cheaper than Boots (and Superdrug) – so much cheaper that points are very unlikely to make up the difference.

Any other great tips to add?

Do you use supermarket “loyalty” cards?

Posted by louisa on Thursday 16 June 2011 in admin, frugal | 13 comments

Well, do you?

I’m asking because I don’t really – I have one card (a Co-op card) but that’s it – and I’m wondering if that’s really errant frugal behaviour.

The supermarket we use the most (Morrisons) doesn’t have a loyalty card scheme but our current number two supermarket (Sainsburys, the nearest shop to us so used for bread & milk etc) heavily promote theirs, and every time they do, we say no. I think we’d say no if Morrisons had one too – we don’t like the idea of giving supermarkets (or other big corporations) data to allow them to market stuff to us more effectively.

But at the same time, I know people who use collected points in a canny, frugal way – turning £10 worth of point into £20 worth of vouchers for somewhere they’d already go/something they’d buy. Most people I know who do have cards have them for everywhere so there is no great “loyalty” to any one shop in particular, just the money-off vouchers/gift vouchers as a bonus.

What do you think?