Showing posts with label autumn. Show all posts
Showing posts with label autumn. Show all posts

Monday, 20 October 2025

Autumn in the Aire

Autumn is certainly in the air, with our park-up area looking a little sparse around the edges. The trees are casting their leaves in rustling showers and the colour palette of Frugaldom has become one of bronze, yellows, reds and golds. There is still a little bit of green to be seen but most of the flowers have gone.
The scarlet dogwoods add a splash of colour by the edge of the paddock and by the side of the drive so we will soon be cutting these back to replant those red stems elsewhere. Come along and help, if you can.
The willows have become wispy, waving in the wind and ready to be cut down for replanting elsewhere. Willows and dogwoods are fantastic for this very reason - harvesting their stems, or coppicing them, produces an abundance of new planting material every year.
The beech tree is turning golden and is currently the location of many bird visits as the goldcrests and other small birds pick at the bugs and buds. The hazel and oak trees are frequented by the jays who come to feast on the nuts and acorns.
The ground beneath the trees is carpeted in crispy leaves, often disturbed by scratching birds and snuggling badgers. You can tell the year is winding down, which means we need to step up the feeding to supplement the diets of all the creatures who live here. We now have regular badger buffets and tree picnics for the pine martens. The most fantastic thing about nature is that it surrounds us and can be enjoyed by all for free. Catching glimpses of badgers and pine martens or the occasional red squirrel is a gift to be enjoyed by all. Feed them and they will come.

If you would like to help us feed the animal inhabitants of Frugaldom then you can simply contribute a few pounds via PayPal to frugaldom@gmail.com 

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Saturday, 5 December 2015

Frugal Living Adventures

An update on progress at Frugaldom

What is frugal living? This is a question I am still being asked, as it still comes as something new to many. It is NOT self-imposed poverty or about trying to live like Tom and Barbara in 'The Good Life'. It's about balancing your life with your income in a safe and sustainable way. This is where my frugal living adventure has taken me so far...

elebrating Frugaldom and a life of frugality

Our online challenges run from 1st January through to 31st December every year. The first one began in 1999 but it wasn't until 2007 that the decision was made to take the main project fully online. We have the frugal blog, frugal shop, frugal forums, frugal entrepreneurs, our own chat room and now, to celebrate each and every one of these successes, we have our Frugaldom project and we have introduced frugal breaks to enable those on low incomes or with tight budgets the opportunity to get away from it all and have an affordable holiday.

That takes care of what I have been up t for the past 16 years but we are now nearing the end of our various 2015 money saving, money making and frugal living challenges and preparing to start all over again. If you would like to join us, please follow the link to the forums and register a free username then spend some time browsing. In the meantime, I am going to bring myself up to date with where I am at with the writing and blogging as that is, after all, why I set out to stretch the pennies in the first place. Writing doesn't often net you much of an income so frugal living allows for life on a tight budget while saving for all the other things you want out of life.

home made bread 25p per loaf

Out of interest, I attempted to bake a 25p loaf to find out if it is still possible to do so. The answer to this is yes - if you use nothing more than 375g of cheap bread flour, a teaspoon of the cheapest dried yeast and a pinch of salt. There's no oils, butters, milk or other additives in these loaves, they are basically flour and water with the raising agent added. Tastes OK to me!

Hand knitted blanket

My favourite handmade and homemade item of all time has to be my woolly blanket. I knitted two for this household and then knitted one for my youngest grand daughter, who received it as a Christmas gift last year. The blankets get knitted in strips, using up all the odd balls of wool you can find. Each strip gets knitted to the required length, depending on the intended use for the blanket, then the rows get sewn together to create the finished blanket. While doing last year's, I was able to take a little time an show eldest grand daughter how to knit. She now wants a blanket of her own, so I will eagerly encourage her to knit it herself. I love my knitted blanket! It has more than served its purpose, having been relocated to the caravan. But now I need another one for using at the house!

Doughnuts

Everyone who knows me knows that I love filled doughnuts - usually jam, apple or custard. It became a bit of a standing joke a very long time ago, when one particular friend would seldom arrive without making a trip via what was then known as Dunkin' Doughnuts but then supermarkets began selling in earnest - mass produced doughnuts! It's a sad fact that we can now buy these for about 12p but for frugal lifers such as me - it is a very affordable luxury and one that's even better served up as a gift. So... I made it my rule quite some time ago that business meetings had to include doughnuts, preferably supplied by whoever is visiting me to talk business. That's how I discovered chocolate custard doughnuts! I hadn't even heard of them until last month! Thank you Mr L, who took the time to call me and rhyme off the supermarket selection from which to make my choice! Much appreciated!

Some people have fallen out with me over the past year owing to my decision to spend my own hard-earned cash in a local supermarket. I'm afraid to say that I don't care - if it costs less to buy the product than it does for me to make it, then it's a luxury best delivered by a local driver whose income depends on these very supermarkets. Without them and their ridiculously cheap basic foodstuffs, we of the frugal living ilk would seldom afford ourselves such indulgences.

Yard sales

November saw the final completion of the yard fencing. We still don't have a full bathroom or a cooker in the kitchen but we do have two paddocks or corrals and the barn yard fully fenced! My grand daughters absolutely love going out to Frugaldom for the day. We can pack a picnic, wrap up warm and they take great pleasure in investigating the latest developments. Now that the barn has been sectioned into several workable indoor stalls, the youngest is convinced that she can fill them all with little ponies! But she is equally excited by the prospect of planting trees, growing food, painting, crafting and organising yard sales at the Trading Post, which is what we call our bartering barn and its newly enclosed space.

Snow on the Galloway Hills

The first snow of the year arrived but it didn't lie at Frugaldom. We have had wind, rain, hail, sleet and snow plus about four different storms that bring flood alerts to the area but only the hills have the snow lying - so far. If the trees are anything to go by, I would hazard a guess at a mild winter but we have already had several good frosts and freezing temperatures.

The ice window

I don't often share family photos, almost never if truth be told, but this has to be one of my favourites. The girls had lifted the ice off the top of one of the water butts at the barn and were using it as a round window - holding it together to see if it would mend after it broke in two. It didn't mend but it did stay frozen for the next two days after this photo was taken.

Homemade bread

Being on a caravan holiday park for part of the time means getting to know all the neighbours and those neighbours now know that leftovers needn't be binned - we can use anything and everything to save it from being wasted. This was the remains of an out of date bag of wholemeal flour that got made into a loaf for feeding to the birds. Having the oven on in the caravan means not needing the gas fire lit, so baking is an ideal way of killing two birds with one stone during cold weather - pardon the cruel pun! The girls like watching for the more unusual birds that they don't see in the garden at home, so they are easily tempted to sneak out to the bird table with leftovers whenever they are staying the weekend.

A wild Jay

This is one of the Jays that has started frequenting the bird table since putting out the homemade bread. They are normally really shy birds that can be heard more often than seen, so it's great seeing them land so close. The woodpecker hasn't taken too kindly to having such noisy visitors, but there's always food enough for them all at the feeding station.

Time to light the fire

And now, to bring your right up to date with how things are going here, I have the fire lit, the solar fairly lights have been charging in the window in preparation for decorating the big Christmas tree at Frugaldom and the house is feeling quite toasty, despite the howling winds and sooty flecks wafting around the living room after a huge back draught sent a cloud of smoke down the chimney when someone opened the back door while I was kindling the fire.

The wool pile for blanket knitting

With winter on its way and all the trees from the new trees planted, I can now rummage through my wool stash and get to work on the next multi-coloured, knitted blanket. I looked out my big size 7.5 needles, cast on 40 stitches and have already begun knitting the rows that will create the first strip of blanket. They call it 'stocking stitch' but to me it s nothing more than plain knitting with zero complications. Sat in my chair by the fireside with the cat sprawled asleep by the hearth is actually rather festive, so I will probably start thinking about retrieving the tree from the cupboard at the top of the stairs and get that decorated next weekend. Hopefully, I'll also hear back from John the apple man, letting me know when the Galloway Pippin apple trees will be delivered for planting.

For 2016, I plan to progress as usual with my various projects and challenges but have decided that the time has come to cut back on the hours spent working at earning a 'decent' living and more time spent working at making the most of what life has to offer - the wealth of friends, family, health and happiness. I'm also planning on getting back to regular blogging.

Posted by NYK Media as part of the Frugal Blog

Friday, 20 November 2015

Frugaldom’s World War 1 Centenary Woodland

By NYK Media as part of www.frugalblog.co.uk

World War 1 Centenary Woodland Project

Phase 3 of our planting began this month with the arrival of our next tree pack from the Woodland Trust, after being awarded a place in their World War 1 Centenary Woodland project last year.

Woodland Trust Tree Packs

Frugaldom was accepting onto this scheme last year, receiving our first tree pack for planting in November 2014. The planting is part of a nationwide project to plant millions of native trees throughout Britain and, thanks to generous funding from lead partners Sainsbury’s, IKEA FAMILY, players of People’s Postcode Lottery and Yorkshire Tea, the Woodland Trust is awarding the free tree packs to all those taking part in the planting. Trees are essential - we need trees!

The woodlands that these new trees create will become living memorials to commemorate all men, women, children and animals who were affected by the outbreak of the First World War. Here at Frugaldom, we hope to plant a new phase of our woodland every year from 2014 to 2019.

Edible hedge planting at Frugaldom

After starting our edible hedging last year with the hazels, sloes and elders, we have now filled in many of the gaps with crab apples to form a wild food foraging area near the barn. Pictured here is... read more here

Published by NYK Media

Monday, 15 September 2014

More Simple Savings in September

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Into week three of our 'Simple Savings in September' Challenge and the courgettes are still growing - fabulous plants that just keep on giving more and more - I cook them in everything at this time of year, even omelettes and chocolate cake.

Having already begun setting up the project and welcoming various visitors, my thoughts are continually wandering over there, plotting and planning the overall lay-out and design of what will become a horticultural farm or smallholding with its own nature reserve. It has to be self-sustainable, in keeping with the frugal living ethos and with open access to allow our members the opportunity to become a part of it. The first plantings have been done but with all these … read more here

More Simple Savings in September

Friday, 27 September 2013

How to Make Frugal Piccalilli (Stage 1)

Photo from Wikipedia

How to Make Frugal Piccalilli – It’s Frugalilli!

With a mountain of cucumbers and a fridge full of vegetables needing used, what better way to try preserving some vitamins in a tasty snack than to get them pickled?

Simple recipe that I hope works and an overnight salt bath for the vegetables… read more

Thursday, 26 September 2013

Octavius Frugalus – October Money Challenge


Frugal Living Forums :: OCTAVIUS FRUGALUS CHALLENGE

In October 1775, the whaling ship ‘Herald’ discovered the ‘Octavius​​’ adrift off the coast of Greenland (the land where absolutely everything gets recycled in an eco-friendly way). The crew and passengers on board ‘Octavius’ had all perished and the dear old Captain was still seated at his desk, writing his final blog! The last entry was dated 1762! This ghost ship had been sailing the frozen seas for 13 years!

It would appear that everyone on board ‘Octavius’ had frozen to death, unable to afford any heating, unable to knit or recycle anything into warm clothing, unable to feed themselves by way of not knowing how to rotate stock, preserve and keep their larders, pantries and stores filled. They were basically unable to sustain themselves against all nature and life had to throw at them. Money, after all, cannot buy life itself.

Our October frugal living challenge is about keeping our ships afloat. I love the sketch of ‘Octavius’! It adequately represents the length some people will go to enslave themselves to money when there are so many other things that money can never buy. We sail in pursuit of happiness, contentment and an enriched lifestyle. Money isn’t the be all and end all of life – knowing when to abandon a sinking ship and encouraging others to help save themselves is the best we can hope to do in the worst situations.

So… let’s all help keep the boats afloat this October, in memory of the ghost ship ‘Octavius’. Legend has it that they only perished because the Captain was taking short cuts and planning to reach the unreachable without due consideration for the unexpected. But the unexpected is almost always what catches us out in the end.
 
Be prepared… the financial seas can get rough during the winter months and we need to be prepared to ride out any storms.

Join us HERE to take part in our October frugal living challenge, your captain for this month’s voyage of discovery will be Octavius Frugalus

Thursday, 25 October 2012

Autumnal Updates

Autumn Update from Frugaldom


It may be late October but the garden isn't 'done' for the year, not yet. IN fact, it's far from it - I still have a profusion of flowers - nasturtiums, begonias, heather and alliums, to name but a few. The days are shortening, night's are lengthening, temperature's dropping and leaves are falling, but there's still some sunshine about the place. I've been amazed at how warm it still gets in the little plastic greenhouse, so rather enjoyed doing the bit of tidying and weeding when I went to clear out all the tomatoes last weekend. But then I changed my mind! They simply weren't ready for clearing.

We all know what we're meant to do with tomato plants - keep the side and top shoots nipped out to promote growth into the half dozen (maximum) vines of flowers/fruits while keeping them fed and watered. I set out to nip buds faithfully as soon as I spotted them on my plants, but then things went awry again, with family crises that took me away from home. The plants went a bit wild and have received no extra feeding at all. But guess what? This year has produced the best crop of tomatoes I have ever grown!

Kilos and kilos of the things have been picked over the past couple of months and I am still picking them. There are side shoots and new vines replacing the old ones as I strip them of tomatoes. Even my fancy 'black' tomatoes are doing exceptionally well.

tomato plantsAll of these photographs were taken today, 25th October 2012, and show the condition my tomato vines are in after stripping them of all their dead or dying leaves at the weekend. Each time I pick the tomatoes, another shoot appears, more flowers grow and that, of course, is followed by more tomatoes! It's amazing. One plant in particular - a cherry tomato - ended up looking like a weeping willow decorated in little red baubles. I have picked dozens and dozens of small tomatoes from this 'tree' and still it continues to grow and produce.
 
The 'black' tomatoes are also still doing well, although the revived grape vine managed to climb up through and it is now needing some attention. These dark , cherry tomatoes are a sweet variety, so very nice, although a little strange looking, with salad. Regardless of how late it is in the year, the vines are still producing more flowers and we still have some bees buzzing about the place. It's all very unusual, but not as unusual as the tadpoles that were spotted recently, swimming about in the pond at the nearby Logan Botanic Gardens!
 
Elsewhere in the Frugaldom garden, the herbs are still doing amazingly well, with bundles of mint being picked for pots indoors and all the begonias adding an extra splash of colour outdoors. In the ericaceous bed, where I planted the new blueberry bushes, heather is still in full bloom, adding a good dash of purple to the reds and oranges of autumn. I also have lavender still flowering in pots along the top of the 'bug hotel'.
 
It's been a strange year for gardening, what with the early months of hot sunshine followed by prolonged damp periods, to sudden deluges that have seen our little stream erupt in torrents, rising higher than the foot bridge and completely cutting off the hen run from the main garden. Thankfully, we opted to incorporate drainage from the duck pond, so there have been no flood problems there, so far. 
Spots of colour are still visible around the entire garden. The temperature reached an astounding 21C through the week in the direct sunshine, so the hanging baskets are holding out a little longer. I'm not giving up hope of growing something through the winter, even if it's just salad leaves. On the subject of growing over winter - has anyone else noticed FLOWERS on their strawberry plants? I have runners sprouting out all ways, waiting to be potted, but I've also spotted flowers on some of the plants. Most peculiar!
 
Indoors is progressing slowly but surely and I'm hopeful of having a frugal kitchen (of sorts) within the next week or two. No preserves got made this year at all, but I do have a lovely stock of raspberries, blackcurrants, rhubarb and gooseberries in the freezer and should be OK for lemon curd making, if I continue freezing any surplus eggs. (Egg-laying has diminished to no more than a couple of eggs every other day.) Sadly, there has been no fruit from the mini orchard, but we weren't expecting much after transplanting all the young trees during the move here last year. I may take a trip to a friend's orchard this weekend and see if they have any to spare.

I hope you are all doing well with whatever frugal challenges you opted for this year and I sincerely hope that some of you will continue by joining for 2013. Otherwise, thank you for reading the sporadic witterings that I manage to type from this almost forgotten corner of Scotland. If you have access to Facebook, I have loaded photo albums of the area, all of which can be accessed from www.elrig.info
 
As always, you are welcome to join us in the frugaldom forum at http://frugaldom.myfreeforum.org or else follow @frugaldom on Twitter www.twitter.com/frugaldom
 
If you are self-employed, living and working in Scotland, or simply interested in what else is going on here, you can also join us at www.facebook.com/NYKMedia and become part of our free Scottish Web Directory. The directory, which is still in early stages, can now be found at www.scottishwebdirectory.com
 
FEEL FREE TO JOIN FRUGALDOM!

Friday, 5 October 2012

Autumn 2012

Autumn 2012 Has Arrived

I'm not sure where all the time goes but I am sure that it goes somewhere!
 
Frugaldom has been rather quiet, barring all the renovation works that are slowly, but surely, going on around us.
 
Now that October has arrived, we've had a sharp reminder to prepare for winter. The above photo was taken at sunset, looking out across Luce Bay towards the Rhins of Galloway. This is the inspiration for the colour scheme in the kitchen, just as soon as we get around to creating one. The option to buy a brand new, fitted kitchen has been removed and, instead, I'll be makng do with whatever I have available and adding a few units as and when possible. A lovely frugal friend has kindly offered us some solid wood doors, so these will be collected soon.
 
The arrival of the first frosts was duly marked and a renewed attempt made to get the garden under control. This year certainly hasn't been the best for growing much of anything, apart from herbs and, surprisingly, tomatoes!
 
But the time has come to begin serious preparations for winter, so that's what life is going to be all about in this frugal household - in the hope that we can get the heating sorted out before the onset of winter. The little pot-belly stove is still sitting boxed, ony slightly closer to being installed than it was the day I bought it. And there's still no kitchen, so frugal grocery shopping has been severely hampered by lack of choice in these rural parts. Proper cooking has been off the cards for many months now, so the grocery budget has taken the brunt of that.
 
Food, electricity, telephone line rental, fuel, logs, coal and anything else you like to mention seems to be increasing in price at an alarming rate, but still we plough on with the challenge of living on £4,000 or less for the year.
 
I'm guessing that as soon as the kitchen is done, I'll be hoping that batch cooked meals can incorporate all these herbs that are taking over the garden. I even have bunches of herbs indoors in vases, as per the photo at the top of this post! Have to say that this is proving to be far superior to any room freshener, costs nothing to replenish and has the added bonus that some of the herbs root whilst sitting in the water. I fear I may find myself living within a field of mint by Spring 2013!
 
So, indoors is chaos, but what of the frugal microholding? Well, the delapidated outbuilding has now been transformed into a suitable workspace for 2013, providing a bright and airy 'studio' for all the eco-art projects we have planned.
 
One part of the old building simply wasn't worth saving, so it has been cleared away to make space for the log store and an area specifically for chopping wood. In the shed, we now have a lovely sawbench, donated by a frugal friend. It has been put to excellent use, sawing and chopping all the old wood that was removed from the outbuilding and from indoors during the strip-out of the rear of the house. This is proving to be ideal for burning on the open fire and soon warms the radiators and heats a tank of hot water. Luxury!
Back on the eco-renovation front, we're trying hard to reuse whatever we can. Can anyone remember the lovely tiles I found when clearing out the rotten hall floor? Well, you'll be pleased to know that the original hall paving remained intact after we lifted out all that old flooring. It lay hidden beneath the layers of plastic, wood, cement, vinyl and carpet.
 
Over the past couple of weeks, the entire hallway has been lifted, dug down, raised, backfilled, damproofed and those ancient tiles are in the process of being relaid. I know this may seem a little extreme to some and that it may have been cheaper to simply have covered over the whole lot with new wood, but have you seen the price of decent hall carpet? Added to the fact that the restored 1800s floor will become a main feature, there's the fact that I'm saving a small fortune on not having to carpet it!
 
The ducks, hens and quail are all still laying well, so eggs are still commonplace meals in the Frugaldom household. Souffle omlettes are cooked up at every opportunity and there's been lemon drizzle cake aplenty throughout the summer. In fact, I think it's time to make another batch while I still have the use of the old cooker. (It's misbehaving more and more, so the current 'big' savings challenge is to invest in a shiny new one, by way of compensation for not installing a brand new kitchen. But I'll still be waiting for the very best deal and making sure I get cashback!)
 
 
My latest frugal-craft project is the unravelling of two old cardigans in the hope that I can knit up some wooly cushion covers, but the recent temperature drop is making me think more along the lines of knitting a wee blanket for over my knees while sitting at the computer! I'm also planning on knitting some nice deep pockets for my favourite cardigan and doing a repair job on it, as I am loath to throw it out - it's so long and so warm, jst what I need during the cold winter months.
 
Preparations for winter are now fully underway:
  • Summer clothes folded and packed away, winter attire now at the ready. 
  • Kindling sticks being chopped and stockpiled daily.
  • Big bag of candle wax sat nearby to aid in kindling.
  • Saw bench and axe in daily use.
  • Insulation being added wherever possible in the house.
  • Matches, candles, firelighters, rechargeable torch at the ready
  • Coal bunker filled
  • Garden produce prepped and into the freezer whenever possible.
  • Enough preserves in store to last until next year
All that remains now is to kit out a kitchen, get the bathroom and cloakroom completed, finish restoring the paving in the hall, plasterboard the hall and stairway, build a cupboard and install the logburner. Hmm... I somehow cannot see all that being done before the end of 2012, certainly not on a frugal budget. But never mind - this winter we have a solid, insulated roof over the back of the house, that's progress!
 
That's it for now, but don't forget you can follow @frugaldom on Twitter and join us in the free forums at http://frugaldom.myfreeforum.org anytime.
 
If you are Scottish based, work from home or have a small business and a genuine interest in keeping costs down, join us in the new Scottish Web Directory (www.scottishwebdirectory.com) for some free advertising and promotion. A penny saved is a penny earned, as they say, so never feel backward at coming forward with ideas or suggestions about how we can help one another to succeed in our frugal living and frugal working challenges.

Sunday, 6 November 2011

Preparing to Take on the Cost of 2012

Getting the Budget Right from the Start

Autumn is certainly upon us, here in southwest Scotland. The first frost arrived here two nights ago with the plummeting temperatures, but clear skies also mean sunshine, so that's an added bonus. If only it could reach the washing line by the back door for long enough to dry the laundry!

As we tumble through the final quarter of 2011, my mind has been wandering mora and more to the 2012 frugal living and moneysaving challenges that lie ahead of us. With so many price increases, the budget is being stretched beyond all recognition.

In 2007, running a household on £4,000 really was a dawdle, thinking back on it. Over the following five years, I pulled the purse strings tighter and tighter, cramming more and more ito that same budget, squirreling away every available penny that could be saved. It paid handsomely. By 2008, I was debt free and piling all those extra pennies, that soon became pounds, into savings pots for all manner of items and events.

Daughter's 21st birthday brought a joint-celebration by way of her engagement. We catered for over 100 friends and relatives, bringing two families into one and spreading the costs to make it a party night to remember. There was also a housemove for us, after the sudden death of our thirty-something year old landlord.

The following year, there was the big wedding. Again, everyone pulled together and bride and groom had a wonderful day spent with all their friends and family, before a good old shindig in the evening.

The year after that was son's 21st, but he opted for money towards his car, which was probably for the best, as he really needs that for travelling to and from work. (Country living has its drawbacks, especially when it comes to employment and proximity to towns, with regards to fuel costs.)

That brought us up to 2010, when we really thought we were getting on top of things with the savings. By then, there was a grandchild scheduled for arrival. She duly arrived on Hogmanay, in good time to herald in the New Year.

So far in 2011 - what can I say?

We had a few problems over Christmas and New Year involving neighbours,  landlords and their out of control dogs. Anyone who has been following Frugaldom will know the stories, anyone else will need to trace back the blogs to find out more. In summary, H lost his income, the car packed in completely, meaning it had to be scrapped, and we were served an eviction notice that involved all sorts of to-ing and fro-ing between lawyers. The positive outcome of all that was that we had the freedom to say 's*d the lot of you', cash in the savings and buy this house.

We moved in here at the start of June 2011. As you'll have seen by previous posts, the house was more of a wet shell, but it was affordable, it has a spectacular garden space and there's huge potential for development both outside and in, so we fell for the dream and leapt at the opportunity without as much as a sideways glance.

In the beginning, we had no plumbing - all the pipes had burst over the two winters the place had lain empty. But we have a stream running through the bottom of our garden, so we had the pleasure of making frequent trips to and from that stream collecting buckets of water to enable us to 'flush' the toilet. It was fun while the sun was shining, when it rained we needed the buckets to catch the water that was running through the back roof.

It's now November and we have been in here for 5 months. We now have safe electricity, all the plumbing we require and a serviceable backboiler behind the open fire that heats the water and three radiators. We also have a window in our bathroom, a front door and a solid roof over the kitchen. Life is grand: We simply need a ceiling and a back door to complete the elementary repair works. Tomorrow sees the start of the next phase - pulling down the old kitchen ceiling.

With savings depleted, the £4,000 per year challenge will need to continue but I am making one small concession - an extra £1,000 in 2012 so I can incorporate the Council Tax. If anyone else would like to join me in the next year, challenging your household to some frugal living and moneysaving, you'll find all the details in the frugal living forums via http://www.frugaldom.com/

There are challenges for almost everything moneysaving you can conceive, from saving loose change to homemade ifts and growing your own vegetables. We have challenges about how to earn more money as well as how to cut costs on most things we need in life. It promises to be a very interesting year ahead and I would love it if a few more would join our merry band of frugal heroes. Make the most of your money, get rid of your debts and start saving for the future you really want. Don't put off starting or risk missing an opportunity, be prepared to take life as you find it and make it into something good. Life is too short for stalling the start of your dreams.

NYK Media
www.scottishmultimedia.co.uk

Thursday, 13 October 2011

When Money is like Water, is it time to build an Ark?

Rain, Rain, Rain... and the burn keeps rising!
Philosophically speaking, this is the society in which we live!

Here in Scotland, it isn't unusual to get wet weather. It isn't unusual for the ground to show signs of frost from October all the way through to June and I've seen snow on the ground in late May, so I'm not unduly worried by the recent wet spell we've had, despite the burn being about a metre deeper that it was a fortnight ago.

The waters may be deep and troubled, but our own simple bridge, thankfully, remains intact - for now!

It would be a lie to say I'm not a little jealous of the mini-heatwave experienced by our English counterparts, but that is only because it was plastered all over the news on TV, radio and Internet practically every day, otherwise, I wouldn't have known. (I do wish the BBC would realise that the UK consists of several different countries and that it isn't all a poorly built extension of London and the south of England.)

There is an easy solution - switch off the TV/Radio/Internet and, for added entertainment, imagine what would happen if they continually broadcast our weather to the much softer southerners every day. That highly amuses me but I've come to depend on the Internet for my communications with the outside world, so cutting that off isn't something I could happily live without - can you even begin to imagine that?

But all this continual wet weather is making me think, again, about Noah's Ark and how that old fellow went about preparing for what he believed was about to happen. Yes, it may well be a Bible story, it may well be read and understood in its literal sense or it may well be nothing more than a symbolic representation of a general set of circumstances, the understanding of which we are all free to interpret in whichever way we see fit. But, even as a fable, the moral of that story surely has to be that we pay heed to warnings, try our best and be prepared to take whichever actions are required to steer us from ruin.

The current economic climate is slowly grinding many of us down. We all need to make the choice to either sink or swim. With every day that passes, some new 'con' emerges to try and manipulate us into spending our money in ways that we don't really need, so we should be prepared to fight back.

For some, these peaks and troughs symbolise the potential for financial ruin, so we try to prepare ourselves and share whatever little knowledge we have with others, in the hope that they, too, can ride out the impending storm.

But what of those who ignore all the warnings? Will they simply be swept away in a tide of debt, whilst others battle to stay afloat in a rickety old boat filled with home produce, foraged fruit and whatever milk, meat and eggs are available from what's breeding on that boat? Will we be cast adrift on a sea of other people's debt, drifting uncontrollably until the tide turns and we can find a safe haven for our money and our possessions? Should we even worry about it? We could, afterall, sit back and let others bale us out of our sinking ships. (Many do!) The trouble with this, however, is that the Governments and big financial institutions themselves look to be aboard sinking ships and we are baling them out!

The good ship Frugaldom has sailed, we are too late to turn back in the hope of finding a sunny, warm new land of full employment and financial stability for all. This world is not an equal world, it is dominated by a minority whose only claim to fame is their ability to earn millions or else shout loudly enough to be heard over the waves, declaring to all exactly how those millions should be spent. Worse still, if we don't like it, there is absolutely nothing we can do about it. The simple fact is, money talks and we of the frugal brigade have almost no voice.

NOBODY needs vast amounts of money simply to survive. But we are human, we are of a competitive nature, we have dominant males within our species who will continue to fight for power over lands and people, or even homes and families. (I'm a sexist, ok? Deal with it!)

Regardless of how low down the pecking order anyone may feel, there will ALWAYS be someone or something lower, just as there will ALWAYS be someone or something who is above and beyond their reach, regardless of how much they try, how hard they work or how much they earn.

It's the very nature of life itself and we need to learn to embrace that in a way that we can enjoy the challenge. Money is not everything. Look at our simple little bridge, with its tumultous flood waters crashing between those strong and reliable banks. Cash values, like the water, can rise and fall.  Just as easily as that stream could dry up during any drought, so too could those banks completely collapse, sending the water in all directions; there's simply too much off it to handle. It's a bit like carrying all your eggs in one basket, then dropping your basket.

Society is as precarious as the very water that falls from the sky - each molecule is based on nothing more than a single oxygen and two hydrogen atoms. We can make it and we can break it, but we can never stop it raining of its own accord.

I still can't decide what's for the best.

Do we hope the banks, which are already being shored up by our cash, hold indefinitely to ensure a safe flow of our own cash?

Do we somehow stem the flow or our own cash in a way that ensures it need not rely on the support of the banks?

What do we do?

Whichever way we look at it, whether the water represents surplus cash or rising debts, the more there is of it, the easier it is for those banks to collapse under the extra pressure.

Anyone care to comment?

NYK Media

Tuesday, 27 September 2011

Saving Money in the Kitchen with Frugal Meals

Another Frugal and Filling Meal - Pea and Ham Soup

Having bought a large, smoked ham hough (known elsewhere as a ham hock) for £2.00, it seemed frugally fitting to make sure I got my money's worth out of it - so I did!

After about 3 hours in the slow cooker, the ham was removed, stripped from the bone and used to make ham and cheese pasta. By using all the ham plus a whole 500g pack of pasta, there was enough for at least two meals for us, so we're off to a good start.

The water used to cook the ham was then topped up and the slow cooker set in motion to make 5 litres of lovely stock for soup-making.

Once strained and returned to the pan, I added carrots, onions and a full kilo of split green peas, plus the usual salt and pepper to season.

That's it! Let this lot simmer away slowly for a few hours and give it a stir now and again to make sure the peas are all cooking evenly.

My slow cooker is a 6.5 litre, 300w model. By the time the soup was ready, I had 5 litres of the most delicious, thick and very filling pea and ham soup. Protein from all those pulses and some vitamins from the vegetables - nourishing, warming and frugally filling.

Thick Pea and Ham Soup

Ingredients

5 litres of ham stock (homemade)
500g chopped carrots (homegrown)
1 large onion, chopped (homegrown)
1kg of split green peas
Salt and pepper to season

If the soup gets too thick for your liking, simply add a little bit more water. I like to keep mine topped up to the 5 Litres, then serve it thick with a slice of home-baked bread.

You could, of course, use lentils or yellow split peas, but I fancied some nice green pea and ham soup, which freezes just as well as any other type. This recipe can also be used with homegrown peas.

Considering one tin of shop bought soup serves two people, then 5 litres of homemade soup should provide you with up to 25 portions for a total cost of around £1.30, including the electricity you used for cooking. It's quite a luxury at 5p per serving! Mine cost a bit less than this, as I had bought my split peas in bulk while they were on offer at 49p per kilo.

Estimated costs will be slightly increased if you need to buy stock cubes, carrots and onions. We grow most of our own and plan on growing all our ow veg as soo as the new garden is fully up and running.

Dried pulses may have 'best before' dates on the packaging but they should last for years if kept in air tight storage containers. The same applies to dried pasta, flours, sugar and, lest we forget, chocolate. I never miss a chance to stock up on any of these items when they are cheap. As always, the rule of this game is only ever bulk buy foodstuffs that you know you will use. Food waste means automatic disqualification from the game, otherwise.

Sunday, 25 September 2011

Cutting the Grocery Budget with Frugal Food

Spicy Courgette Soup - a Frugal Recipe at 4p per portion.

Every year, I set myself a target budget for grocery shopping. I've done this for so long that it has become more of a game - some might even call it a standing joke.

For the past few years, I have set my challenge at £1 per person, per day. And I have stuck to it!

The truth of the matter is, with finances being stretched to the limit, food waste is something that we cannot afford, nor should we tolerate it!

Elsewhere on this planet, there are people starving to death while many of us here, in this wonderful, 'developed' part of the world, take up ridiculous, faddy diets in an attempt to shift surplus fat. Sadly, at the same time, many also buy so much food that a percentage of it inevitably ends in the bin. Weird!

Frugaldom cannot afford the luxury of binning food, although it can honestly be said that I could afford to shed surplus fat! (But that's a whole other challenge.) In exchange for our happy-go-lucky lifestyle of simple living, splitting time between building up a home, earning a meagre living and developing a productive garden, we have given up on big luxuries like dining out, holidays, new cars and designer wear. All savings made, for now, are being ploughed into the house.

Without further ado, here is how I am currently coping with the glut of courgettes that are being harvested from the garden. I have only two plants, but I have lost count of the number of courgettes I have picked from each - certainly many more than I would ever have afforded to buy as part of the regular grocery shopping.

If you have read any of my posts about cooking chicken, you'll know that I can get at least three main meals from one (shop bought) bird and I always make stock from whatever is left. This time, with only two of us here, I have enough chicken for 4 main meals, the cat got fed and the stock got made. So what's next?

SPICY COURGETTE SOUP

INGREDIENTS

3 litres chicken stock (homemade)
1 large onion, chopped (homegrown)
Approx 500g chopped carrots (homegrown)
5 large courgettes, chopped (homegrown)
Coriander (None growing, I had to use ground variety from the spice rack)
Teaspoon salt
Teaspoon ground pepper
Teaspoon turmeric

I had been boiling rice for having with our chicken curry and like to add some turmeric or a touch of curry powder along with salt, to give the rice that lovely yellow colour and a bit of added flavour. Worrying that the soup may end up looking a weird colour once the courgettes had all cooked down, I reckoned the turmeric could also add a bit of colour and a bit of a kick, into the bargain. Next year, with luck, my new crocuses will provide us with saffron for such uses - frugal gourmet needn't cost the earth, it simply needs the earth in order for us to grow such fine delicacies.

The soup was simmered in the slow cooker for several hours then left overnight to cool. I then blended it (using a stick blender I bought several years ago for under £5) before splitting it into lunchtime sized portions.

I got 10 adult portions from the above, but can't really cost it up exactly when the sums are so small. All the veg came from the garden, the stock was a by-product of the chicken, which cost me £4.99 locally, and the herbs & spices are all things I have on my shelf. The electricity used was minimal, having opted to use my 300w slow cooker. At a guess, I would say the electricity used would amount to a maximum of 3 kWh, including making the stock. On our current electricity rates, this would work out at just under 37p


Looking good for around 4p per portion. Even if you had to buy stock cubes and vegetables, soup remains one of the cheapest meals to make if you are prepared to mix and match with your ingredients.

This started out as a bowlful, except H had already eaten half of it with a slice of homemade bread by the time I remembered I was meant to be photographing it for this blog post. He was slightly amused when asked to set down his spoon and step away from the soup while I pointed a camera at it!

This courgette soup is nourishing, very warming on a chilly day, handy for serving in a mug as a tasty snack and, most of all, you get a lovely hot kick from it, depending on how much of the spices you use.

Try it for yourself, adapt the recipe to suit your own tastebuds, thicken it with lentils if you prefer, and make the most of what you've got in stock. This is a seasonal soup and it freezes well. Frugadom highly recommends it and will be making another batch next week, as there are another 4 courgettes almost ready plus a couple of patty pan squash, which will also get added.

WE LOVE SOUP!

Saturday, 10 September 2011

Moneysaving Ways of Being Prepared for Autumn

How Prepared Are You ?

September is a month of change, when summer is nearing its end and autumn becomes more apparent by the day. Already, the trees around this part of southwest Scotland are shedding their leaves, blackberries are ripe, the elderberries are beginning to hang in heavy clumps and most new growth is slowing in everything except the weeds.

Despite this, the sun still shines and there's still a great deal of colour to be seen from an amazing variety of flowers. Here in Frugaldom, the sunflowers have only just begun to bloom, their heads heavy and drooping, their huge stalks swaying precariously in the increasing winds. Temperatures of 25C in the afternoon can dip below 10C in the evenings and the heavy morning dew can last until noon. Many of the plants are going to seed, so this is a great time to collect what you need for sowing next year. I have already amassed a healthy supply of nasturtium and lupin seeds.

Harvesting is in full swing, meaning that we need to be prepared to preserve and store all that we possibly can. Foraging is a great way of topping up the stores, by way of jam and jelly making, but let's not forget about the non-edibles. Sticks, dry leaves, pine cones and pine needles can all be gathered.

Pine needles make great mulch for all those plants that appreciate a more acidic soil. Many of the forest fruits, brambles, blueberries and even the strawberries seem to benefit from this and, although not particularly something to promote, my quail seem to love scratching about in a thick bed of pine needles and dried leaves.

If you have a stove or open fire, fallen twigs and sticks add to your stash of kindling, as do pine cones. We love pine cones here in Frugaldom, as they are so versatile. Once dried, these can be decorated or used as part of natural ornamentation. We used to spray them silver and gold then hang them on the Christmas tree, but aerosol cans of shiny paint aren't really all that frugal, nor are they particularly environmentally friendly. However, if you save all the ends from your old candles, pine cones dipped in melted wax make fantastic firelighters. Once dried, the cones store well in cardboard boxes and, even without the added benefit of the wax, still make great kindling.

Costcutting within the home becomes increasingly difficult during colder months, especially when most of us have become so reliant on electricity. With prices soaring, the already financially challenged households become increasingly aware of the need to cut costs. Monitoring electricity use is a huge help in seeing where money is being spent. There's no need to invest in expensive equipment to monitor every kilowat you use, especially if the money could be better spent elsewhere. A sheet of paper and regular meter reading will suffice, or try setting up a basic spreadsheet on your computer to chart your progress.

With the nights growing longer, reduced daylight hours can mean the need for lights being switched on for the greater part of the day. Make sure you have made the most of every opportunity available to you for claiming subsidised or free energy saving lightbulbs, as the savings do mount up over the year.

Of course, mains electricity is useless when the autumn or winter storms arrive and bring with them the possibility of power cuts. That's when we are really grateful for our all-important 'emergency supplies' and warm winter wear. Things like candles and matches are must-have items and, if you have an open fire or stove, suitable cooking utensils that enable you to heat food or boil a kettle of water are always useful. It may sound silly, but without the benefit of a logburner or multi-fuel stove, I always find it handy to keep charcoal at the ready for an impromptu BBQ, regardless of the weather.

Any prolonged power cut will hamper cooking and it isn't always dry enough to light a BBQ, so other alternatives need to be available. Whether it's a camping gas stove or something to shelter you from the rain while lighting a BBQ, it is always helpful to have frugal 'fast food' at the ready.

Love them or hate them, dried snack foods are more than welcome when nothing else is available. As long as you can boil some water, instant soup, noodles, pasta and even custard or hot chocolate are great substitutes, served up with an accompanying tinned food. Instant soup followed by tinned fruit with instant custard is great after a freezing day working outside in wind and rain, especially if you get back inside and end up with a power cut! Batch cooked 'ready to heat and eat' food like soup is a bonus, but nine times out of ten we have it stored in the freezer. Without electricity, it is best notto open your fridge or freezer, in order to preserve the contents for as long as possible.

One thing that we have learned to do here is to always keep a flask of boiling water at the ready. This not only saves you having to boil the kettle every time you want a cuppa, it's also a very handy thing to have at the ready if the power goes off suddenly.

Now for the weather forecast. Apparently, the tail end of Hurricane Katia is heading our way, due to arrive Monday or Tuesday. There have been a few weather warnings issued by the Met Office and the usual sensationalism is being spread by the media. With luck, the storm will blow itself out before it gets here and causes any real damage, but never let it be said that we didn't heed the warnings.

Anything that can be blown over in the garden has been secured, the sunflowers have been tied up with wire mesh attached to the wall and there's an extra bucket of coal, basket of sticks and pile of logs sat by the fire. Let's call it a trial run, 'just in case', but right now, the sun is still shining and the sky is clear. It must be raining somewhere, though, as the stream at the bottom of our garden is almost in spate. There's also a blustering wind that seems to be increasing in strength.

I'm still not completely convinced that autumn has arrived, but that might be wishful thinking, as we've still to replace the flat roof over our kitchen before winter. It is secure for now, that is the main thing.

Now, I'm off to check the stores and see what items need adding to my list of 'emergency supplies'. I will allocate a budget of £30 for this, equivalent to £10 per person in the household. Most of the items have a long shelf life and can be easily stored, so I'll include my finished list and accompanying costs in a subsequent post.

Nature is something we can never control, nor should we expect to control it, but we can take precautions against falling foul of all it can throw at us, so be prepared. Take care of yourselves and be prepared to help out others wherever you can. Let's hope the forthcoming severe weather is nothing more than a storm in a teacup!