April 16

Thrifty Things To Do This Week – Work Your Receipts To Max Your Cash

Week 3 – April 16th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

Reviewing your spending – taking time to go over your receipts or bank statements and work out where your money is going – saves you money by helping you stay in control of your own spending. But… could it help you save money in other ways too?

I have been reading 6 Simple Ways  To Save Money By Tracking Your Receipts on Wise Bread. It has given me some ideas for how to make more of this thrifty monthly habit. I love the idea of using my receipts to actually make money once I have used them to help me save money and spend less. Take a look and see which ideas you could try.

Think this all sounds like too much hassle? Set yourself a time limit – fifteen minutes, say. Nothing seems like too much effort when you only have to spend quarter of an hour on it. Or do it in the advert breaks while you watch TV. Tiny effort, big results.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to kit kids out for school on a budget.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

April 9

Thrifty Things To Do This Week – Get Big Savings From A Tiny Garden

Week 2 – April 9th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

It is Spring! Officially!! No matter what the view out your window might be telling you today… I used to find this a pretty blah month before I got into gardening. Now I notice all the tiny little signs of life around me with keen interest because they are the start of the countdown to gardening season. But they are also the sign that our lives are poised to expand back into the outdoors, after months cooped up inside. I need no encouragement to get outside but the Tartan Kids are a little harder to persuade. When Tartan Boy himself was very wee he needed no further persuasion than a scavenger hunt. He would do anything for a clipboard and a pencil. Tiny Tartan is a tougher nut to crack – he still gets the clipboard and pencil but he also gets a Smartie for each item on the list that he finds. Tartan Boy also gets one, which motivates him to help his little brother find some of the trickier items. Even in the great outdoors there is a place for bribery and corruption… You can find lots of different printable scavenger hunts for Springtime and beyond on the Tartan Thrifty Do Something board on Pinterest.

It’s time to start thinking about your garden if you have one, or your balcony, or even your windowsill. There is no space so tiny that you can’t grow something in it. A few years ago I set out to turn my very small concrete jungle into a tiny forest garden, so pretty you could eat it.  I spent several months building up layers, starting with trees and other tall structures to add height. The idea is to grow a garden that looks good enough to spend time in but that also saves you money by providing some food. In a patch our size it was never going to make us self-sufficient, but it could give us a lot of fresh herbs, and some fruit and  vegetables.

Since then, it has been flattened several times by winter storms, trashed by several months of building work inside the flat, then neglected while I devoted the next year to redecorating the flat. Even the worms in the worm bin turned up their tails and died during a temporary spell in a patch of sunlight. But the bones of it are still there – the trees took root, my perennials are pushing up through the soil as I speak and my herbs are thriving even though they do need a good trim. I am looking forward this summer to getting it back on track. What are your plans for your patch – however small – this year?

 

I will be back next week with a fresh Thrifty Habits Planner and a suggestion about how to use the shopping you have already done to save you money.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

April 2

Thrifty Things To Do This Week – Make Or Bake?

Week 1 – April 2nd, 2018

It’s the first week of the month: if you can make the time, Put Cash In Marked Purses and Make Something

How does making something help you stay in control of your spending? Two reasons – one obvious, one less so. The obvious one is that making things yourself will allow you to get them without paying so much. The less obvious one is that it is fulfilling – and people who feel fulfilled are less likely to try to make themselves feel good with purchases.

In that sense, it doesn’t really matter what you make as long as you enjoy doing it – because just stopping yourself from “comfort shopping” is already saving you money. The important thing is to have a creative project of some sort on the go that you can dip in and out of through the month whenever time allows. The other important thing is to make sure that time does allow – so pick a project and then plan when you going to work on it. You can find lots of great ideas for crafty projects in It’s Always Autumn’s lovely list of 25 Amazing DIY Gifts People Will Actually Want.  Nobody will be checking to make sure you give your makes away though so why not take the chance to treat yourself for next to nothing?

(Disclaimer: I won’t be making any of these 25 makes this month. I will be building a fire-surround. I have never built a fire-surround before. I am not entirely sure that I actually can. This will either save me the cost of fitting a brand new (entirely off-budget) fireplace or drive me to comfort-shop to soothe myself after I fail to successfully build a fire-surround. I will, however, have fun trying – and that’s a good enough reason to Make Something.)

If you want a really quick make, though, you can’t beat a little simple home-baking. In the time it takes you to put on your shoes and head to a cafe you could knock together a whole batch of scones, for example. Making your own means you can enjoy them straight from the oven, warm and dripping with melted butter, for just a few pence. And you will still have some left to freeze and use for snacks later. Try the Tartan Family’s favourite recipe for Humiliating Scones. It makes a light, intensely cheesy scone that is delicious hot or cold. They were christened as Humiliating Scones when a very young Tartan Boy decided that scones, lovingly cut with a heart-shaped cookie cutter by his mum, were a little beneath his dignity. The heart-shaped cutter got the heave but the scones have remained a family favourite.

I will be back next week with a fresh thrifty habits planner and some ideas for springtime family outings.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

March 27

Thrifty Things To Do This Week – Set Spending Goals That Make You Happy

Week 4 – March 26th, 2018

It’s the fourth week of the month: if you can make the time, Write a Budget and Share Something.

I write a budget every month, and think of it as an arithmetic task. Something to keep my head busy but not my heart. If you are building a thriftier lifestyle, budgeting has got to be your foundation. But I have gradually come to understand that you do have to listen to your heart as well as your head when you plan how to spend your money.

The point of being thrifty is not just to make numbers add up. Ultimately it is about making your life better, about making you and yours happy. Avoiding debt, making sure you can afford to eat, building up savings just in case… These are all ways to make your life less miserable, more happy.

Trying to make yourself happier is always a good aim but is it one you think about when you are drawing up a budget? Personally, I think in terms of what I have to spend. I think about the boring stuff – utility bills, mortgage, car repairs… I treat them like they are foisted on me, not things I have actually chosen. But they are things we chose. And we chose them for a reason, even if it is lost in the mists of time. We chose them because we thought they would make us happier. When you draw up this month’s budget, try to think about how much happiness each item on it will bring you – and decide if that is good value or not, to you.

Read How To Buy Happiness to get you in the mood, or listen to Michael Norton’s TED talk on the same subject. I will be back next week with a recipe for Humiliating Scones. How can you resist?

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!

March 20

Thrifty Things To Do This Week – Make Your Own Rhubarb Gin

Week 3 – March 19th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

In fact, this is as good a time as any to remind yourself why you are reviewing your spending at all – and why storing all your receipts is a vital part of that process. Click here for more information. It is impossible to be truly in control of your own money if you don’t actually know where it is going so I consider these to be two of the most vital thrifty habits. At one point we even had a counter-top device for storing ours, split into categories. To be fair, this was not so much because we needed to be that thorough, as because we had found an old theatre ticket dispenser and needed an excuse to use it. The old ticket holders were just the right size for receipts and it looked lovely sitting in our kitchen. These days I keep them rammed into an old pencil case in a kitchen cupboard. And – quite honestly – some months I don’t even do that. I have been at this for so long that I can get through a month or two without watching it too tightly. If something changes in our circumstances though (moving house, changing job, major illness, going on holiday…) I get right back on it, because those are the times when our regular spending habits drift. When I find that our spending is unaccountably high one month I go right back to storing every receipt and reviewing our spending to pinpoint where our money is leaking from. If you are just setting out on your journey towards being thoroughly thrifty, don’t skip these ones!

This is also a good time to make rhubarb preserves, as pink stems unfurl vivid green leaves in forgotten corners of garden up and down the land. I have an enduring passion for rhubarb. In my childhood it was quite normal in springtime for children to be handed a cup of sugar and a stick of rhubarb as a sweet treat. We would dip the sharp rhubarb sticks in the sugar and then bite off the frosted stem tip – a divine mixture of sour and sweet that was wonderful on the taste-buds but terrible for teeth. It has been almost forty years since I last tried this, and my mouth is still watering just thinking about it. If you want a slightly more sophisticated (and long-lasting) way to enjoy sugary rhubarb, try turning it into jam with the River Cottage rhubarb jam recipe or make your own rhubarb gin with The Craft Gin Club’s recipe. It is incredibly easy to make and requires no cooking or specialist equipment. If you want something more savoury, try Delicious Magazine’s idiot-proof rhubarb chutney recipe.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to buy happiness.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

March 12

Thrifty Things To Do This Week – Get Your Money’s Worth From Your Council Tax

Week 2 – March 12th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

When I first began Tartan Thrifty I wanted to give myself a system that made sure I used all the strategies that had helped me save money in the past, all the time. I spent ages listing everything we had ever found useful, and deciding what made the cut, what didn’t, and how often each strategy needed to be used. And that’s how the Thrifty Habits were born. This week’s habit – Try A New Free Or Cheap Activity – was not on the list. Largely because most of my thriftier lifestyle choices had been embraced before I was a parent and understood the vital necessity of having an arsenal of affordable activities up your sleeve if you are to avoid being shanghaied into spending your entire month’s food budget on one outing to a soft-play centre just because the kids were clamouring and you didn’t have a better idea.

I wanted to develop some better ideas.

The only problem was… the month I first introduced this habit to our routine, we had zero fun money. Whatever we did had to be completely free. And that’s when it dawned on me that, maybe, we were already paying for something the kids could do through our Council Tax. I like getting the benefit of what we have already paid for only a tiny bit less than I enjoy getting something for free, so I looked it up. You can find out how much of an eye-opener this was in Getting Thrifty With The Council Tax. Since then we have enjoyed hundreds of days out that we were paying for anyway.

I will be back next week with a fresh Thrifty Habits Planner and some ideas for preserving rhubarb. I have never preserved rhubarb: if I have rhubarb, I want it in a crumble and I want it now. So I am hoping next week’s post will finally  make me develop some self control…

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

March 5

Thrifty Things To Do This Week – Make Chocolate Pancakes And Cute Candles

Week 1 – March 5th, 2018

It’s the first week of the month: if you can make the time, Put Cash In Marked Purses and Make Something

And what better make for wintery days on the cusp of spring than Teeny Tiny Tea Cup Candles?

These are the dainty, pastel coloured cousins of my luxury scented candles – tea lights that are fit for an actual tea-party.

If burning these twinkly little cups of scented light puts you in the mood for an actual tea-party, you could make some Double Chocolate And Orange Pancakes. Also excellent for immediate feeding of hungry kids, or to freeze individually for school-day snacking.

I will be back next week with a fresh Thrifty Habits planner and some suggestions for enjoying time outdoors before winter sets in.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

February 26

Thrifty Things To Do This Week – Getting Back On Top

Week 4 – February 26th, 2018

It’s the fourth week of the month: if you can make the time, Write a Budget and Share Something.

How are your plans for a thrifty 2018 working out? I find January is usually an excellent month to start some new thrifty resolutions – any thriftiness at all seems like a stellar effort compared to the excesses of the previous month. Plus, sales shopping gives a certain thrifty veneer to spending more money, because it’s not really spending if it’s a bargain, is it. (Hmm…) And, given the state of most people’s bank balances in January, it’s not so much a lifestyle choice as a dire necessity. So a frugal new year seems entirely do-able in January.

February though… The shine has come off your new thriftiness – it is no longer an interesting challenge. And, with a new month’s pay in hand, it seems less urgent. You start to forget your new thrifty habits. But habits – thrifty ones included – thrive on repetition. The more often you repeat them, the more likely you are to keep on repeating them.

So, no pressure, but if you started out on a new journey to take control of your finances last month, this month was crucial. If you kept your new thrifty habits up through February then they will be well on their way to becoming second nature. If you did fall off the wagon though, dust yourself down just hop straight back on this week by budgeting for next month. And remember to give yourself little treats to keep your morale up. Good Luck!

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!

February 19

Thrifty Things To Do This Week – The First Preserve Of The Year

Week 3 – February 19th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

I truly hate February. I live in Glasgow so the bright skies of a snowy winter happen rarely and are replaced most days with a grey sky so low you almost bump your head on it. By February I am over Cosy and longing for the freshness of spring. So I was delighted last week to see the vivid green and pink of rhubarb shoots flinging off the soil in my garden like a toddler’s duvet in the morning. (For the record, I was usually a lot less cheerful about my toddlers doing the duvet-fling.) Rhubarb shoots don’t just promise the eventual end of winter they offer crumbles and jam in the very near future.

But not now.  Now, if you want to start packing your pantry with thrifty preserves, you are going to have to think beyond fresh seasonal produce, meet February on it’s own terms, and bottle up some Disgracefully Drunken Prunes. Do it now, and they will be perfect for gifting next Christmas, for guzzling by November and for adding gravitas to your gravies and stews by the time spring is giving way to summer.

Take time to make up some labels for them too – read Glam Your Jam for an easy way to label like a pro.

As for the rhubarb… all in good time. Next month I promise to post recipes for rhubarb jam and gin when the first seasonal produce of the year is big enough to pick.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to be thrifty when you can’t be bothered.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

February 12

Thrifty Things To Do This Week – Free Greens On Your Windowsill

Week 2 – February 12th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

I loved the Ladybird Rapunzel book as a child but one aspect left me truly bewildered. At the beginning of the story a pregnant woman gazes out of her window, day after day, with a helpless longing for her neighbour’s… salad. Yup – the whole hair-tugging, tower-trapping tale stems from a longing for greens. As a child I found this incomprehensible. The message that lettuce leads to trouble may even have coloured my childhood refusal to eat the stuff. Maybe.

Now I get it though. Late winter sees me longing for crisp green leaves and sharp flavours. Happily I can buy them, bagged, from any supermarket, without having to rob a witch of her rocket. Unhappily, those bags are pricey. So I was pleased to discover that pea-shoots – a favourite of mine – are very easy to grow on your windowsill even in the depths of winter. So easy, a child could do it. And so thrifty it would be nuts not to. Click here for full instructions on how to grow them and how to make Smoked Mackerel And Pea-Shoot Gnocchi once they grow.

If pea shoots whet your appetite for almost free salad, take a look at Frugally Sustainable’s guide to growing greens on your windowsill. A couple of pounds for a packet of seed and some potting compost and you are set to save many times that. And your salads will be fresher. Maybe your neighbours will start to gaze with helpless longing at your greens too…

I will be back next week with a fresh Thrifty Habits Planner and a deliciously decadent preserve.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.