Review of January: Did you reach your frugal goals? And a marinade for meat

I started my month with some resolutions  that I really wanted to stick to. I gave up alcohol and chocolate for the month – I lasted until 26th January!! I needed a shorter month :). I don’t intend to consume much of either in February, but I will allow both as a treat.

More important were my financial goals. I wanted to stick to a budget of £90 a week for groceries, pet food and cleaning products. I am still way over this!! I spend anything from £45 to £80 a week in Aldi, which is fine. If I could buy everything I needed in there I would be OK, but I buy my dairy products in Sainsbury’s as I need to purchase Lactofree. These aren’t cheap and I do often ending up buying items on a whim whilst I am in there. It may only work out at a few pounds more, but it all adds up. I also buy my cat food in Sainsbury’s usually, although I have made some progress persuading the cats to eat food other than the Gourmet variety in the past few weeks and they have tried both Sainsburys and Aldi’s own brands with mixed success. I spend between £20 and £40 in Sainsburys each week. 

Going through my bank statement, the other thing I have begun to make a habit of is popping to my local convenience store to top up my main shop – for teabags, juice, wine, crisps and snacks. This has got to stop!!! I need to ensure I buy enough of this kind of thing as part of my Aldi shop as it is so much cheaper. Does anyone else do this?  From now on I will be taking cash out at the start of the week for my grocery shopping and once it is gone, it is gone….!

I have stuck to my resolution of cleaning out a cupboard at week and generally decluttering. This is fantastically satisfying and therapeutic. Who knew?

I have put money into my holiday, car, birthday and contingency funds and paid a lump of my credit card. I will pay a bit more as soon as my payment for my French student arrives.

I have been doing a regular short yoga practice. I swear this keeps me really healthy and gives me a good immune system. Everyone around me at work has been falling like flies with coughs, colds and tummy bugs and so far the germs have avoided me :). We haven’t done that much walking though as the weather has been awful.

Pork in marinadeWe have eaten quite a lot of meat this week as we have our house guest. It is always a challenge to cook something interesting that doesn’t take too much time and energy when I have been at work all day. Last night we had Aldi pork chops, oven baked in a home made marinade. This is very easy to make and went down a treat with some sauteed courgettes and mushrooms. I usually put it on chicken, but its sweetness went well with the pork.

Here’s how to make it:

Half a medium red onion, very finely chopped
2 cloves garlic, crushed
4 tbsp tomato ketchup
4 tbsp Worcestershire sauce
2 tbsp clear honey
2 tsp Dijon mustard
2 tsp Tabasco
Plain seasoned flour

courgettes and mushroomsFry the onion and garlic on a lowish heat for 5 minutes to soften – don’t allow it to brown. Add all of the other ingredients except the flour and stir well. Dip your meat of choice into the seasoned flour and then into the marinade. Bake for the recommended amount of time. You don’t need to cover the baking tray. I cooked my pork chops for 30 minutes in a fan oven at 190 degrees.

Did you make New Year’s resolutions and, if so, how are yours going? Are you like me in topping up your main shop and losing control of your spending?

How to stretch every penny until it screams!

I mentioned that DD1 will soon be moving out. I am worried about how she will manage financially and hope she hasn’t bitten off more than she can chew. She will need to stretch every penny!

I also hope she heeds some of the advice I have been giving her. She doesn’t need it because the optimism of youth says ‘it will be ok’… Us older and wiser folk know that sometimes it is not ok, but if you plan and budget and live according to your means, it can be.

My top advice to stretch every penny will be:

Make a monthly budget, and stick to it.

Set up direct debits for your rent and all your bills to go out the day after pay day.

Put a regular small amount aside each month for emergencies.

Never give in to expensive credit cards or pay day loans to get you through the month.

If you don’t really need something or you know you can’t really afford it, don’t buy it! Retail therapy is dangerous.

If you need new clothes, try the charity shops and boot sales.

Walk as much as you can to save on bus fares.

Use up the make up and toiletries you have before you buy more. Mac lipsticks may be beautiful but at £15-20 they are a luxury. Check out cheaper options (there are many!).

Plan your meals and write your shopping list around that and what you already have in the cupboard.

Try to cook as much as you can – this is the best way to eat cheaply and healthily. But keep some frozen pizzas in for days when you just can’t be bothered so you don’t give in to the takeaway.

Take a packed lunch to work.

Buy your food at the market or in Aldi rather than expensive convenience stores.

Turn lights and appliances off!

Put some thick jumpers and socks on instead of the heating.

Wear your clothes more than once to save on the laundry.

Get a second job.

Get your friends to visit and bring a few beers over rather than going to the pub.

Don’t start smoking again!!

I could go on about how she can stretch every penny. She will no doubt say that I do tend to! I hope she heeds my advice and enjoys her independence without the worry of debt.

What are your tips for stretching every penny?

I love leftovers!

imageI invariably take in leftovers for my lunch and I’m disappointed when we don’t have any. Last night we had roast ham (which in itself was left over from Sunday) creamy mashed potato, broccoli and cheese sauce. So that’s what I have today and it is going down a treat. I purchased a microwaveable bowl with a lid in the Sainsbury’s sale and it has proved well worth the £3.50 I paid as it is excellent for transporting and reheating my work lunches. It’s good for soups and salads too. The make is Systema and I highly recommend it.

My French student discovered the English pub last night. I only saw him fleetingly at breakfast so will have to wait until later to see if he tried a pint if bitter as we recommended! We have loaned him an old bike to get about and he is so appreciative. It saves him a 20 minute walk to college or the bus fare.

DD2 has signed a tenancy on a house with her friend and will be off in a few weeks. Only one daughter at home! Waiting for nearly empty nest syndrome to strike!

So how much does it cost to boil your kettle?

Thanks to my new plug in electricity monitor, I know that it costs me 3p to boil half a kettle. It also costs me 22p to run the dishwasher and 18p to run the washing machine. They are both energy efficient and fairly new, but this did surprise me. I thought they would be more expensive to operate.

The dehumidifier costs 10p an hour…if I run it for 4  hours a day that’s not too horrendous. only £2.80 a week. The electric plug in heater is 8p an hour, which again wouldn’t be too terrible but at this time of the year it is on for 12 hours a day so it soons adds up – that adds another almost £27 to the monthly bill. This has focussed our attention. DD1 used to leave it on all night and all day but now it is on a timer so it doesn’t matter if she forgets to turn it off.

Good Energy logo

The Worst Utility Company on the Planet, First Utility, continue to bug me even though I offically stopped being their customer on 24th November. Today they sent me a final bill charging me for the whole of December! I am no longer being polite. I emailed them to say they had already won the award for the most incompetent company ever so they could stop trying now!! I did get a swift response (which is unusual in itself) apologising and promising to send a new, revised final bill which, with any luck, will mean that they owe me money. Honestly! How do they stay in business??

My nice new shiny and helpful energy company, Good Energy, have promised to come and check the meter to make sure it isn’t faulty and have offered to help my monitor my energy usage as well.  I chose them not because they were the cheapest but because they were rated top for customer service. They also produce 100% of their electricity from renewable sources, so they are good for the environment too. So far so Good Energy :).

Does anyone else monitor their electricity use this closely? How do you keep your bills down?

Baking day and belly ache…

lola 3I have spent the day cleaning (my usual Saturday routine). Boring but necessary. I need order or I get ratty, especially as we have our new student arriving tomorrow and I like to make a good first impression. I have had a little ‘helper’ following me around for much of the time. What a cutie! I couldn’t be without a cat.

I have also baked a fruit cake and a ginger golden syrup cake. I haven’t made them with gluten free flour this time. I saw the GP on Thursday and he would like to do a proper test to see whether or not I have coeliac’s disease. This means I need to eat gluten again for at least a month to show a true result. I don’t actually believe I am coeliac, but I suppose it is better to know for sure. I do know that I have a belly ache! It’s not agonising, but I am pretty sure it is caused by the bread I had for lunch. C’est la vie, it has to be done.Lola cutie

We have continued to measure various electrical appliances to see how much they cost to run, sinceI bought a monitor to try to get our electic bill down. It is very interesting to see what each item consumes. We are also reading the meter every night. Apparently the average UK household uses around 10 kWh a day. We are using double that!! The main culprits are definitely the plug in electric heater (this has now been put on a timer and restricted to 6 hours a day). It is very cold in DD1’s room so we need it on at least that much to stop her turning blue! I am also only using the dehumidifier for 2-3 hours a day – I have used it all day in the past to dry washing and counter our condensation issue but we can’t afford to do that. When the woodburner is installed we hope that will resolve those issues and I can dry things off in front of it when I need to.

Fresh out of the oven: ginger syrup cake

Fresh out of the oven: ginger syrup cake

I measured the washing machine today. I’m not sure if I did it correctly, but it seemed to suggest that it cost over £2 a load! I will start using the economy cycle more on this and the dishwasher from now on. I will repeat it when I do the next wash to see what the difference is.

DD1 has been looking at flats with her friend today so it is possible she will be flying the nest fairly soon. I hope she learns to manage her money pronto as she never has enough to get to the end of the month as it is. Still, she is 22 and wants to be independent and it’s only natural. That will only leave one daughter in the house! I might have to get another cat….

Bring on the woodburner!

Thanks for all the comments yesterday. Food for thought to get my electricity bill down.

It was very very cold this morning in DD1’s room.  Luckily she was tucked up under a bunch of blankets!

I love it when Mr S goes all creative! We have bought a woodburner and he is planning the work needed to fit it. He has done a before and after mock up. Here is what the closed fireplace looks like now, with the cat watching her favourite wildlife programme:

imageAnd this is what he is planning to do, with a big wooden shelf above it to protect the TV:

imageHe will do most of the work, but we will get a expert in to sort the chimney flu and do the actual fitting.

He has been hacking lumps off our neighbour’s trees – she doesn’t mind as she is 90 and now housebound – as they take over and block all the light otherwise.  So today has been a good day for a bonfire. Shame I am stuck in the office!

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Treading the hard path to a financial education

Many thanks for all the comments yesterday. It appears I am not alone in believing all children should be taught basic life skills such as cooking and sewing, with other sensible suggestions given such as finance and budgeting. I completely agree. I wish I had had lessons on basics like bank accounts and saving, how to budget, interest rates and the like. I bought my first house in a blissful cloud of ignorance about how this all worked and was lucky it didn’t all go pear shaped!

imageLearning about personal finance is a bit dull, frankly. I only know what I know now out of necessity. I made so many mistakes on the way. Still, regrets are pointless – going forward I will make fewer financial mistakes, and I will do my best to educate my daughters so that they go out into a harsher world with a bit more savvy.

Eyes down now in preparation for my new student on Sunday. This one is a full grown adult. Normally we have teenagers. Still, at least I won’t have to worry about him coming back late from the pub! I will keep the food bill as low as I can this week because next week will inevitably be more expensive. When we have the students I tend to cook more meat, buy and make desserts, etc. I am earning money from them after all and want them to enjoy their meals. I have given the room a deep clean in preparation. I enjoy this – I see it as paid work, which is what it is. I am looking forward to his arrival.

Last night was the first night I felt really cold in bed. I ended up with a duvet, two blankets, fleece pyjamas and a cardigan! I think tonight will be the same but I refuse to have the heating on at night. It’s expensive enough the rest of the time!! Still, we have yet to have the snow that some parts of the country have had and for that I am thankful.

How’s the weather where you are?

Soup, sunshine and a tidy cupboard (another exciting Sunday at Shoestring Cottage!)

Mr Shoestring and his twin!! Fun with the panoramics

Mr Shoestring and his twin!! Fun with the panoramics

It was a beautiful cold but sunny winter’s day here in Essex today with (so far) no sign of the snow that was predicted. We took advantage and went for a nice long walk down to the Blue Bottle earthworks in Lexden to see the ducks.

We came back to a huge bowl of ‘leftovers soup’, my favourite kind! I made stock last night with 3 chicken carcasses from the freezer. One of them had quite a lot of chicken still on it, so I picked that off to put in the soup later. All I had to do today was add some veg – I put in a bag of frozen home grown courgettes, some celery and carrots, and 3 small tubs of left over cooked veg, again from the freezer. I keep old plastic tubs in there and put in any left over veg when I have cooked a bit too much. This makes soup making so easy as there is hardly any peeling and chopping to do, and it is super thrifty. Waste not want not!! Then when it was all cooked up I seasoned it, blended it and added the shredded chicken. It was yummy.

Leftovers from the freezer

Leftovers from the freezer

Made into soup!

Made into soup!

I also tidied up the linen cupboard from hell. I put a pic on yesterday – the shame!! I threw out some single duvet sets that are no longer used and some old towels. It looks so much better – it lifts the soul!! It really doesn’t take much to make me happy 🙂

tidy cupboardI am still missing my regular glass of wine – January is feeling like a long month. However, when I have finished Dry January I will try to stick to wine at the weekends. I rarely drink much, but have a glass with dinner or watching TV on a fairly regular basis. That will save me some money too.

We have been looking at holidays today. It is very important for me to have a break somewhere nice if at all possible, and I am happy to do without other things to get one. We have been looking at a site called Sunshine.co.uk, recommended by a friend of mine, and there are some very reasonable deals to Greece. I have never been, so if we can find one at a good price we will book it. It will just be the two of us as the other girls are going away with friends and the youngest is having a trip to New York with her father, so we don’t have to go during term time and can pay low season rates.

What are your holiday plans? And have you managed some frugal food today?

Making extra cash selling on-line

depopFrom time to time I sell various items on Ebay. I have found it more successful with items such as curtains and furniture rather than clothing. DD2 has recently found an app called Depop which she says is great for selling clothes, so today I thought I would give this a go. Oddly, I had followers before I had even listed anything! People are keen 🙂

This morning I have listed two pairs of boots, 2 pairs of jeans, my daughter’s unwanted prom dress and a Gap T-shirt that I picked up for 99p in the charity shop that still has its £12.50 label on. I also put a pair of curtains and a couple of books on Ebay. It will be interesting to see how they go (or if they go!!).

Mr Shoestring’s sister specialises in selling posh frocks – evening and occasion dresses – on Ebay and does quite well. She picks them up in charity shops or badly presented on Ebay at bargain prices, then washes, irons and repairs them as necessary and styles them on a mannequin with lots of nice jewellery. Great idea if you have the time! I don’t really, but will try to continue my general decluttering by selling anything in decent condition. The rest can go to the charity shop.

Talking of decluttering, one of my New Year’s resolutions is to clean out one cupboard every week. I am shamed and embarrassed to show you my linen cupboard – how did it get so bad!! This is a job for this weekend! I clearly need to get rid of some of my old towels and bedlinen as I don’t have space for it all.image

So, over to you. Are you selling on-line to make a few pounds? What are your top tips?

Enjoying life’s little affordable luxuries

When you are on a tight budget it can feel a bit grim and relentless sometimes. When I start to find the going tough, I give myself a boost with a small treat. This could take the form of a long hot bubble bath, a glass or two of icy white wine, a bunch of Aldi’s fabulously good value flowers, a proper home pedicure, maybe even a supermarket takeaway if I can run to it.

For people who go out to eat or to the pub often or who can afford a weekly visit to the beautician these might seem silly. To me they are things that I enjoy and have the power to give me a boost.

The point is that, whatever your budget will run to, it is important to have the occasional treat, even if it’s just a bar of Cadburys!

What’s your favourite affordable luxury?

Feeling skint? Make soup!

imageWhenever I am trying to stretch my food budget, I make a huge vat of soup. I freeze some and the rest does as lunches for the week and maybe even dinner with a jacket potato or some bread and cheese.

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It is just so easy! As long as you have a decent stock and some onions as a base you can make soup from pretty much anything. I tend to make my own stock – I save all the bones and scraps from any poultry or other meat that we eat and freeze them. If I don’t have any bones I use a decent vegetable stock such as Marigold or Knorr in powdered form. I also save any bits of leftover veg as I go along: mashed potato is particularly good as a thickener, but cooked carrots, peas, cabbage, etc can all go in the pot, as well as bits and pieces of meat if you have any. I use whatever fresh veg there is in the fridge or garden to make soup. Sometimes there is a main ingredient like pumpkin or courgette because we have a glut. Other times I use a variety of ingredients and bulk the soup out with lentils, pulses or pearl barley.

I might chop the veg small and keep it as a chunky soup. Other times I blend it smooth. I always season it well. If I decide it needs more depth of flavour I find a squirt of soy sauce does wonders.

I can’t bear tinned soup and the fresh soups from the supermarket are often disappointing. I also resent paying £2-3 for half a litre of this stuff when I can make something that tastes much better for pennies.

Soup is healthy and nutritious too. You don’t need any special equipment, although a hand blender is useful. It’s hard to go wrong with home made soup if you want to be a frugal cook and get the best nutrition for your money!

Slow cooked beef and mushroom one pot casserole

imageI managed to make dinner in 5 minutes flat yesterday morning, and threw it in the slow cooker before I left for work. No fuss winter grub. This serves 5-6. All of the ingredients were from Aldi.

Pack of three frying steaks (you could use stewing steak but as it happened this was cheaper)
Medium onion, chopped
2 sticks of celery, chopped
2 large carrots, sliced
Tin chopped tomatoes
1/2 pint beef stock
Large handful of chopped mushrooms
Tin potatoes
Heaped teaspoon dried mixed herbs
Splash of Worcester sauce
Seasoning to taste

imageChop it up and throw it on the slow cooker on medium for 6-8 hours. It was so easy and delicious, and the meat was really tender. We had some broccoli with ours.

I love my slow cooker! I frequently just tip it all in and rarely follow a recipe and it usually works perfectly.

What are you cooking in yours?

Bargains galore and more serious decluttering at Shoestring Cottage

Finally flopped after a busy day and found time to blog!

Mess!!

Mess!!

The decluttering continues. One of my New Year’s resolutions was to clear out one cupboard every week. This feels so much less intimidating than setting myself a targeting of doing them all in one go. I think I will get around to it at some point but there is never enough time, whereas clearing just one can be done as part of my weekly cleaning routine.

imageToday I did some decluttering of the filing cabinet in my bedroom. I have 3 large boxes of files under my bed containing everything from bank statements to school reports. I don’t really need another separate filing cabinet, so I have removed it and replaced it with a solid bedside drawer unit that was spare for Mr S’s clothes. Much better!

Better

Better

I also gave the tiles in the bathroom a good scrub with bleach as they were looking pretty grubby.

We found time to visit my favourite charity shop too. The fact that it is open on a Sunday, is out of town and then sells all clothes at 99p makes it irresistible! Today I found two tops and two good work skirts: the labels say Gap, Per Una and Next. How could I not be happy with this? I donated some things too, still in the spirit of decluttering!

How about you? Anybody found any great bargains this weekend?

It’s been a long week

Busy, busy at work all week, so I am feeling quite tired. Last weekend was quite full so I didn’t manage a really good house clean, and the untidiest of my three daughters is currently home from university, so the house is a tip!! This weekend is also looking busy, but I will have to fit in some housework or I will get really twitchy. I can only deal with so much chaos!

 Despite her sloppy habits, DD2 did cook the dinner last night. I was very grateful for this, although the kitchen looked as if there had been a minor vandalism incident afterwards. She made sausage and beer casserole from the A Girl Called Jack cookbook. It was OK, but not the best recipe we have tried. Again, there was a lot of liquid. Jack likes runny food! If I make it again I will put in less beer and more seasonings as it was lacking a certain depth of flavour.

 So this weekend will be a sprint to clean the house, sort some paperwork, do the laundry, prepare for DD3’s birthday on Monday and bake a cake. I am out for dinner Saturday evening and my parents are popping in for a visit too, then we have a takeaway planned for Sunday as a birthday treat. I won’t have to do lots of cooking anyway.

 Do you have anything good planned this weekend?

President of the Aldi fan club!

I love doing my food shop at Aldi. I can see why the discounters have got the big supermarkets running scared. I have shopped at my local one since it opened 4 years ago. To begin with it was very quiet; the car park was empty. People took a while to catch on. Then the recession hit and folk started to actively look at ways to save money. Now the car park is usually full, and I try to avoid going at the weekend as you can’t even get in unless you are there on the dot of 8 am.

I have heard all kinds of comments about Aldi that really quite annoy me. A Facebook friend suggested that only chavs and the great unwashed shopped there, but went a bit quiet when I told him that I rarely noticed this when I went in to do my weekly shop. I have since seen him in there!! A colleague’s wife said she wouldn’t be see dead in there in case people thought she was short of money. In my experience it is frequented by all sections of society and I have often seen brand new BMWs and Jaguars parked next to the old bangers like mine. Most sensible people enjoy a bargain!

For those who are on a low income, and for people who need to budget like myself, shops like Aldi, Lidl and now Kwiksave are an absolute Godsend. Yes, you have to change the way you shop and they may not sell absolutely everything you want. I have to go elsewhere for the Lactofree products I use and my gluten free flour. However, I find now that I plan my meals around what I know is likely to be in stock. I really enjoy the smallness of the stores and that I can get round and stick to my list in a very short time span without being distracted by clothes and household goods that I can’t afford and aren’t on my shopping list. I still manage to find some nice treats for us all – the chocolate and alcohol is excellent! The quality generally is brilliant; you just don’t have such a huge choice.

If you haven’t tried doing your main shop at a discount supermarket, then I urge you to do so. I estimate that I save around £30 a week by doing so. Not to be sniffed at! If you aren’t fortunate enough to have one locally then try the Value and Basics brands. If you read her blog you will see that a Girl called Jack practically lived on Sainsbury’s Basics and it doesn’t seem to have done her any harm….

 

 

Fun for free (you’re never too old for a rope swing)

imageI found this on Pinterest – I am going to print it out and stick it to the fridge to remind my family not to waste food!

It was rather misty and grey on Sunday, but we decided to get out and take a walk around the woods anyway. It’s healthy and it’s free!!

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Here we are proving that you are never too old for a rope swing – so much fun! There was an awful lot of mud too, but fortunately we all managed to avoid falling off.

 

I had lots of people at my yoga class this week, sticking to their New Years resolutions as I am. Let’s hope they keep it up!

I am still trying out recipes from my Girl Called Jack recipe book. I used up some red wine to make chicken chausseur and it was another hit. I thoroughly recommend this book. The recipes are straightforward, tasty and above all cheap!

Black bananas in the bin? Not with this lovely loaf and you can even make it gluten free

imageDelia’s banana loaf is my go to recipe when I have over ripe bananas to use up. I tweak it depending on what ingredients I have in the house. I have replaced the walnuts with hazel nuts or even chocolate chips before and left out the citrus fruit peel when I haven’t had any.  The original recipe is here,: http://www.deliaonline.com/recipes/cuisine/european/english/banana-and-walnut-loaf.html, and my gluten free adaptation is below:

75g soft margarine or butter
110g caster sugar
2 medium eggs
The grated rind of one lemon and one orange. (I used 3 heaped tsp of mixed peel as I had this from my Christmas pudding)
60g ground almonds
170g gluten free self raising flour
2tsp gf baking powder
1/2 tsp Xanthum gum (optional)
2 tbsp milk
4 medium bananas, mashed
59g walnuts, chopped

imagePreheat oven to gas 4, 180c. Grease a standard loaf tin. Place the marg, sugar, milk and egg into a bowl.sift over the flour, baking powder and xanthum gum if using, then the almonds. Whisk this all together. Add the mashed bananas and whisk again until thoroughly combined. Stir in the citrus rinds or mixed peel and nuts and place the mixture into your loaf tin.

Bake in the centre of the oven for 55-60 minutes, turning the temperature down a bit of it gets too brown.

This is delicious warm or cold spread with butter and a nice cup of tea :-).

Jack’s creamy mustard chicken

imageI tried another of the recipes from my bargain Girl Called Jack recipe book yesterday. It was a winner. However, I would tweak it if I did it again – Jack seems to use an awful lot of liquid in her recipes and there was far too much sauce. Although you could plan for this and use it the next day on cooked pasta – that’s what I am having for lunch! I didn’t have fresh herbs so I used dried, and it turned out quite delicious. It tasted nice even before I added the cream, so it would be possible to do a lighter, cheaper version without this. With the cream I think it would even be special enough for entertaining.

Here is my adapted version with less liquid:

2 tbsp oil
10 chicken thighs
200g cooking bacon
1 large onion, diced
3 carrots, chopped
2 tsp Dijon mustard
600ml chicken stock
200ml cream
2 heaped tsp mixed herbs (or a handful of fresh chopped parsley and thyme if you have them).

Heat the oil and brown the chicken with the bacon. Add the onion and carrot and fry for a few minutes, then pour over the stock, mustard and herbs, cover and cook for half an hour until the chicken is cooked through. Remove the chicken and keep warm, then add the cream and boil rapidly for a few minutes to reduce the sauce. Return the chicken to the pan and serve with creamy mash or rice.

Easy and delish!

Out with the old and in with the new! Shoestring Cottage resolutions for 2015

I love the new year! So much scope for new beginnings and renewed hope to make the changes in our lives that we need to, whether to improve our health, our relationships, our work situation or our finances. We can do this at any point during the year of course, but the New Year provides a point of focus and is a turning point for many people.

colchester castle I plan to carry on as I have been during 2014, but to really focus my attention on putting money away. I have some household projects that I would like to do, and I want to do more exercise and lose a bit of weight. I would love to take a holiday too – I know that some money savers would think this an unnecessary extravagance but for us it is really important. We love to travel and get away, but we do it as cheaply as possible.

 My top resolutions then:

Pay off credit card by April 2015. I don’t owe that much, but seem to have a small residue I can never quite get rid of!

Install the wood-burner. Mr S will do most of this, but we might need to get the chimney lined.

Save for a holiday.

Put away money for birthdays and Christmas.

Stick to a budget of £90 a week for food, including my Lactofree dairy products, cat food and cleaning stuff. This is going to be a challenge!!

Get quotes for some electrical work in the house and sort out a small loan through my bank. The lights in my daughter’s room and some of the power sockets in other rooms were all condemned over a year ago. I was quoted £1200 to get it sorted and just couldn’t afford to do anything about it at the time.  We have been managing with plug in lamps and lots of extension leads, but it’s not ideal. Now that I am better organised financially I will get some more quotes and bite the bullet to get this resolved this year, even if this does mean taking out a personal loan. I will do this as soon as the credit card is paid off.

Repaint the kitchen. I will also source bargain and second-hand accessories and a blind as and when I can.

Refurbish a lovely old dresser I have to go in the kitchen – this was in my parents’ house when I was a child. It is a small one and will be perfect but it needs repainting.

Do more exercise! I will stick with walking and yoga – both free.

Put money aside for the car tax and a contingency fund.

Give up alcohol and chocolate for the whole of January – my biggest challenge!!!!

To clean out one cupboard a week, starting with the kitchen cupboards. I am on a decluttering crusade!

colch castle We had a walk into town and around Colchester Castle to start off no 9, to get more exercise. It was windy and rather grey, but it blew away the cobwebs. It was nice to look round a few shops that were open without hoards of people.

 That’s it! I have publicly declared them so I now need to stick to them. What are your New Year’s resolutions?