November 11

Thrifty Things To Do This Week – Make-Ahead Chocolate Truffles And Stocking Fillers For Any Budget

Week 3 – November 11th, 2019

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

This is more the time of year for eating preserves than making them. But you can get ahead of your Christmas prepartions by preserving the centres of some decadent DIY chocolate truffles to give away. Spend half an hour melting, mixing and moulding this week and in December all you have to do is pop them out of the freezer, coat them in melted chocolate and in a few minutes you will have a bag of delicious truffles.

No freezer? You can still use the recipe in December but you will need to gift them right away. Cream truffles don’t keep for more than a few days.

Over the last couple of weeks I have written about how to make stockings part of a Merry Thriftmas and last week I pointed you in the direction of my Stocking Planner. The Stocking Planner is designed to fit budgets of  all sizes. To see how it can help with even a tiny budget, take a look at How To Fill A Christmas Stocking For Around A Fiver. No, it’s not easy – but it can be done.

I will be back next week with a fresh Thrifty Habits Planner and thoughts on a pre-Christmas clear-out and cutting the cost of running a car.

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.

November 4

Thrifty Things To Do This Week – Berries, Baking And Bulging Stockings

Week 2 – November 4th, 2019

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

Dreary November days are the perfect time for free family fun that doesn’t involve actually leaving the house. A kid-friendly home-baking session is an easy no-need-for-wellies family activity that also ticks Batch A Snack off this week’s list of Thrifty Habits. Try Chocolate Chip And Berry Cake, a recipe so easy even a small child can make it.

Once your kids have mastered the basic recipe, why not let them run amok in your cupboards and choose their own additions? As long as they stick to the same amount of flour, eggs, oil, sugar and yoghurt they can add anything else they like. They could add grated apple and cinnamon, or lemon zest or frozen berries or a mashed banana… They can even omit the sugar and add cheese, or olives, or sundried tomato pieces, or ham or….

Once you are all stuffed with cake, take time to think about stuffing stockings next month. (Yes, you only have a few weeks to go. No pressure.) How To Fill A Bulging Stocking Without Blowing Your Budget will help you to work out how to turn a small budget into big smiles on Christmas morning.

I will be back next week with a fresh Thrifty Habits Planner, and a simple way to make decadent chocolate truffles that will keep till Christmas.

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.

October 28

Thrifty Things To Do This Week – Start On Your Stocking Fillers

Week 1 – October 28th, 2019

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

And, because Christmas is now less than two months away, what better thing to make than fillers for Christmas Stockings? Ah… Christmas Stockings. I love them so much I wrote a whole post about them – click here to read why I think they are an essential for every thrifty family. They are, after all, just the weekly habit of treating yourself taken to a slight extreme.

The cost can add up, though – alarmingly quickly. So why not make some of this year’s fillers yourself? Take a look at 5 Ways To Make DIY Stocking Fillers When You Have No DIY Skills to see how easy it is.

I will be back next week with a fresh thrifty habits planner, a snack recipe that is child’s play to make and some more advice to help you fill your kid’s stockings without emptying your bank account.

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.

October 21

Thrifty Things To Do This Week – Get Christmas On A Budget Without Getting A Budget Christmas

Week 4 – October 21st, 2019

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

When you are putting together your budget for the coming month, take some time to put together a budget for Christmas. Granted, Christmas is stressful enough without the additional burden of trying to stick to your thrifty principles  and the very real danger of driving your sleigh straight into a whole heap of debt. But it is the very last time to lose sight of your budget. You are about to be blindsided by urgent and ever-expanding to-d0 lists, distracted by sparkly shop displays, and lulled into a false sense of security by the festive spirit… Just when your purse strings most need you to get a grip.

You need determination. You need self-control. Baby, you need a Plan. Careful planning now will save you from pricey panic-buying in December. Plus, it might leave you free to actually enjoy the run-up to Christmas. If you want to deliver a magical Christmas on a real-life budget now is the time to decide what that budget is going to be.

DIY gifts are one way of keeping on-budget at Christmas but be aware that not everyone will thank you for a home-made gift, no matter how thoughtful or skillfully made. To work out who you should – and should not – consider making gifts for, take a look at Who Is Going To Thank You For A Home-Made Gift?

I will be back next week with a fresh Thrifty Habits Planner and some advice about thrifty stocking fillers and why you really need them no matter how tight your budget is.

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.

October 14

Thrifty Things To Do This Week: Whisky Marmalade and Money For Nothing

Week 3 – October 14th, 2019

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

It is the week to Preserve Something. Nature is shutting up shop for winter but Mamade prepared fruit knows no seasonal limits and makes tasty marmalade with none of the faff. (Actually, I am not opposed to the faff because it makes the place smell amazing for hours. but, honestly, I think the end product is just as good with a tin of Mamade.) If you pot up a few jars of marmalade now they should have matured nicely by Christmas, ready for gifting or for guzzling on Christmas morning. You know, to offset the chocolate.

You can up the gourmet factor considerably if you buy a cheap bottle of whisky and add a splash to your marmalade just before you pot it. And if you need further inspiration for using the rest of your whisky (beyond the obvious…) then take a look at How To Turn A Ten Pound Bottle Of Aldi Whisky Into A Hamperful Of Tasty Treats.

Since it is also the week to Review Your Spending, take a look at Money For Nothing to see if you could get more for your money with loyalty cards.

I will be back next week with a fresh Thrifty Habits Planner and a plan for a frugal but fabulous festive period.

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.

October 7

Thrifty Things To Do This Week – Do Something Wild

Week 2 – October 7th, 2019

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

The foraging season is almost over so if you are stuck for a free family activity to try this week, take the kids outdoors to pick brambles. (That’s blackberries if you live outside of Scotland.) I have very fond memories of doing this with my grandpa in my childhood. You can read everything he taught me about brambling with kids in Grandpa’s Guide To Bringing Home The Brambles.

As well as gathering brambles you could take time to pick up beech nuts, pine cones, conkers, twigs,etc. Once home pile them into jam jars, vases, bowl – whatever you have to hand. More seasonal than flowers and completely free. If you want the conkers to keep their shine try buffing them with vegetable oil on a square of kitchen roll.

For more ideas to help you go wild outside, take a look at The Wild City Book, packed with ideas to turn time outdoors into an adventure, or a science experiment, or an art workshop…

I will be back next week with a fresh Thrifty Habits Planner,

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.

September 30

Thrifty Things To Do This Week: A Free Christmas Wreath And Thriftier Main Meals

Week 1 – September 30th, 2019

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

Do you have any shrub herbs (lavender, bay, sage, rosemary…) in your garden? If you don’t – do! Even if all you have is a window sill, these are easy plants to grow, give colour right through winter, smell amazing, attract bees and butterflies, and can make cheap meals taste fancy. Right now is an excellent time to plant them – mild weather to help them bed in but less dry than the spring time.

If you have some already, then it’s time to think about cutting them back. It helps keep them in shape, looking good for the winter (I like to think it does the same for me if I do it vigorously enough…) But it also helps to make them last longer which means you don’t have to replace them every few years, Which is pretty thrifty.

Obviously you are not going to just chuck the cuttings away. You are going to hang them up indoors somewhere warm and dry so you can have a free supply of herbs in the kitchen for the next year. So why not kill two birds with one stone by drying them as a wreath. That way in about three months time you can bring out your herb wreath, add a few festive touches, and hang it up for Christmas.

After Christmas you can dismantle your wreath and put your dried herbs in jars. Or, if you are as disorganised as I am, you can hang the wreath in the kitchen to remind you to get round to jarring up your herbs. And then spend the next six months just picking them directly from your wreath as and when you need them. I got to quite like the country-kitchen feel it gave – or maybe I am just making excuses.

Once you have turned your garden refuse into a wreath, try turning the meat eaters in your house into pulse-lovers. Pulses are the cheapest source of protein but not everyone is happy with a vegetarian main course. There is a happy compromise: this is it.

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, a suggestion for a free family activity and some ideas to bring cheap colour to your garden at minimal cost to your pocket. See you then!

September 23

Thrifty Things To Do This Week – Save Money In The Kitchen

Week 4 – September 23th, 2019

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

This is the week of the month when I am most likely to eat into my overdraft or crack out my credit card – pay day is only a few days away but we need to eat NOW. But I have found, over and over again (I would be embarrassed to give you the exact number of times…) that a quick but thorough sort through our cupboards, freezer and fridge usually shows that we hardly need to buy any food at all. What we actually need is to eat what is already there.

So, armed with a notebook and pen I make a list of what I can find and then draw up a meal plan that uses those ingredients and keeps food shopping that week to a minimum.

Finding a menu that embraces the fag end of an old brie, some vacuum packed beetroot we bought by mistake and a tin of anchovies is not easy… (Bright Pink Risotto, in case you are wondering. The anchovies went into a pasta sauce.)

It is worth it though, because it gives you all your meals for the final week of the month without having to spend more than you have. And if it is worth it for the last week of the month, then, actually, it’s a good idea for every week.

Thing is, without the immediate choice of overdrawn or underfed, I don’t actually bother to check what is in the cupboards. So the compromise I have settled on is to keep a running tally of what’s in my cupboards. Once in a blue moon I run a stock-check of our food supplies and use it to set up a simple stock list on the door of the freezer. That way I can see at a glance what food we don’t have to buy.

Recently I bought some very cheap mini dry-wipe boards with magnets on the back from Home Bargains that are perfect for the job. The magnets mean they are always handy on the door of the fridge. Better still, the pen is also magnetised and has a little sponge eraser in the cap so that I can always lay hands on it easily. I use the other one to keep a running shopping list – anyone who uses up something adds that to the list and when Tartan Dad or Tartan Boy or I run to the shops there is a ready-made shopping list to take along. At only 89p to stop me buying food we don’t need, I think they are a thrifty bargain.

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!

September 16

Thrifty Things To Do This Week: Free Food From The Urban Hedgerow

Week 3 – September 16th, 2019

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending. If you only preserve one thing this month, make it Mulled Apple Jelly – sweet, sharp and spicy, it is delicious with sweet and savoury food, making it the perfect all-rounder.

Product DetailsI bought this beautiful book (full price – my secret shame) when I was a student. It took me to a time when ladies kept house with an iron hand. A time when herbal remedies and secret recipes were passed from mother to daughter like family heirlooms. A time when still-rooms and store-cupboards secured survival and pleasure for whole households. A kind of Poldark of the kitchen.

An odd choice for a twentieth-century twenty-something, studying at a city-centre university, don’t you think? Nowadays we don’t need home remedies, hand-made preserves, or DIY cleaning products anymore – we have supermarkets not still-rooms for all that. And – romantic as the notion of gathering in and storing the harvest seemed as I read the book – it was hardly something a city girl like me had the option of doing. Cities don’t have hedgerows bursting with free fruit, do they? Cities have shops.

Sloe Gin And Beeswax” is still on my bookshelves, and I still dip into it for useful advice and sheer escapism from time to time. It is a lovely book and I would still recommend it if you can find a copy – it has been out of print for a while. But since I first read it I have discovered that cities do, in fact, grow free fruit. I have picked all sorts of fruits, completely free, without leaving the city – sometimes without even leaving my local area. For more information about how to plunder the city’s food supplies, read The Urban Forager.

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, and advice about finding ‘free’ food in your very own kitchen.

September 9

Thrifty Things To Do This Week: Digging Some Spring Colour And Dogs In Duvets

Week 2 – September 9th, 2019

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

Yes, it is Autumn – a time for picking, not for planting. (On that note, free outings don’t come more wholesome than foraging in the fresh outdoors for free fruit – take along some Dogs In Duvets for lunch and it’s a picnic too.)

But it’s not too late to plant bulbs – in fact, this is the perfect time to do it. Right now all the usual bargain outlets (Aldi, Lidl, Home Bargains, etc) are stocked with cheap nets of daffodils, tulips, crocuses, etc. Granted, they don’t offer the wide variety you will get in a big nursery or DIY store. But, in my experience, they grow just as reliably as pricier offerings. Check out mail order suppliers too – they often have great bulk offers, handy if you have a lot of ground to cover.

An afternoon digging in the autumn sunshine now could see you enjoying bright colour in the dullest months of the year. And if you plant some indoors you could even have them flowering in time for Christmas for you to enjoy or give away. Pots of colour, for only a couple of pounds.

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, a recipe for Mulled Apple Jelly and some tips on urban foraging. In the meantime, enjoy digging and picking and eating delicious Dogs In Duvets.