May 6

Thrifty Things To Do This Week – Gooey Deliciousness And Easy DIY

Week 1 – May 7th, 2018

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

Are you, like me, a person who likes a little creative project but has only a little creative talent to throw at it? Or do find yourself driven to DIY by financial need rather than by creative inspiration? Well, breathe easy – there is a website almost custom-made for us. It’s called The Graphics Fairy and you can read all about why it’s the perfect site here.

 

If you have a few minutes to spare, mix up a batch of My Big Fat Chocolate, Ginger And Prune Cookies. They take almost no time to make, freeze beautifully and defrost by morning break-time tucked in a school bag. They also taste delicious. And they contain prunes, which pretty much makes them health food, right?

I will be back next week with a fresh thrifty habits planner and some suggestions for watching movies on the cheap.

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 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 5

Thrifty Things To Do This Week – Warm Hearts And Busy Hands

Week 1 – February 5th, 2018

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

February is the most miserable month of the year (fact). It is dull days and dark nights indoors. What better way to spend them than with a project? Something to keep you busier than slobbing out on the sofa has to be worth a try.  And, if you are thinking DIY gifts might be the way to keep Christmas on-budget this year, this gives you plenty time to Get Ahead Of The Crafty Curve and make sure your DIY presents are presentable by December.

(Yes, I know Christmas only just happened. I feel ridiculous writing about next Christmas now. BUT… If you are depending on a brief crafting frenzy in December to fill Santa’s sack just be aware that Things Come Up and time runs out and a whole lot of unfinished projects plus a panicked dash round the shops in late December is not thrifty.)

Cutting back on spending can become an exercise in doing without (which is why Be Joyful And Generous, Not Miserly And Miserable is one of my guiding Thrifty Principles.) But there are plenty things – luxuries and necessities – that become affordable on a frugal budget when you make them yourself. Making something not only helps your cash to go further it adds the pleasure of trying out new things, exercising skills, becoming absorbed in the moment… Not to mention the satisfaction of creating something with your very own hands.

So, if this is a Thrifty Habit you have yet to embrace, make this the month you give it a go. Your first project doesn’t have to be big. It doesn’t have to get finished this month. And it doesn’t have to be your own idea – the internet is full of people who want to inspire and instruct you to make things.  If you are stuck for inspiration, check out the Tartan Thrifty Make Something board on Pinterest. Or why not run up some of these cute and cosy little hand warmers from The Idea Room to see you through to the spring? Heart-warming. (Sorry.)

 

I will be back next week with a fresh Thrifty Habits Planner and a suggestion for growing premium salad at Primark prices.

 

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.

January 15

Thrifty Things To Do This Week – Gimme Some Hygge

  • Week 2 – January 15th, 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.

‘Tis the season to be snuggly. The weather is not inviting,  so why not make like the Danes with their hygge and get cosy indoors?

Hygge involves actively creating a comforting environ-ment in which to sit out winter. Just turning up the central heating doesn’t cut it. You need snuggly throws, wholesome food, good company… and warm, twinkly lighting. A log fire is, of course, the gold standard, but keeping out your festive fairy lights would help too. And there are always scented candles – twinkly lights and comforting aromas in one swoop. You could descend on Ikea for cheap tealights. Or, you could get your cosy on  by creating your own. That way you get to be on-trend and on-budget. Have a go at my Teeny Tiny Teacup Candles or Luxury Scented Candles.

Wax melts at a fairly low temperature, making this a child-friendly activity. Make candles with the kids and that’s you nailed hygge and a new, cheap family activity without actually leaving the house.

(If you want to read a less cosy take on hygge, read The Hygge Conspiracy by Charlotte Higgins.)

It is way too early in the year to do any gardening but the perfect time to start planning how to save money by growing your own when spring comes around. Click here to find out how to save money – and avoid wasting it – in the garden this year.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to make preserving work for your purse.

 

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 – Make Candles And Cake

Week 1 – September 4th, 2017

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

I love September And October. They are new pencils and new plans. Crisp mornings foraging for free fruit and fragrant afternoons turning them into jams and jellies. Cosy nights indoors, with the slight threat of winter but none of the wet or the chill.

To be honest, I like November too – bonfires and fireworks and making plans for Christmas. And I am fond of December with it’s twinkles and parcels and sociable feasting…

(In the spirit of total honesty I have to point out that the above is a very edited picture of my autumns and early winters. It’s not nearly as calm, ordered, or reflective as that in Tartan Towers. Still, a woman can dream…)

What I love about this time of year is the anticipation of cosy times ahead. So, with that in mind, my Make Something  project this week is going to be Luxury Scented Candles. Something to give away but also something to enjoy at home.

I first made candles when I was about 7 – which tells you how easy they are to make – and can still remember the fascination I felt watching hard wax transform to liquid and back again. So you could treat this as a fun family activity AND a cheap way to treat yourself to a fragrant and twinkly home.

If you want inspiration to batch-cook a freezer-friendly snack try Apple And Custard Cakes. These are so easy a child could make them – no scales or beaters required. 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 27

Thrifty Things To Do This Week

Getting Into The Habit Of Being Thrifty

Tartan Thrifty is all about getting into the habit of spending less without living less well. Some habits need to be carried out every day, some every week. Some only need to be carried out once a month – and, surprise, surprise, they are the hardest ones to keep up. To help with that you can find a wall-planner to help you keep on top of this week’s Thrifty Habits – the dailies, the weeklies and the ones that only come round once a month – here. Use it to plan when exactly you are going to carry out the Weekly and Monthly Habits.

Thrifty Things To Do This Week

Thrifty Habits Planner April Week 1 - New PageIt’s the first week of a new month which makes it the best time to put all the cash you are going to spend this month into individual, clearly marked purses/wallets before you start spending it. It’s also the perfect time to Make Something. Not only does that give you a whole month to get on with it, it is February, which means long evenings indoors. What better way to spend them than with a project? And, if you are thinking DIY gifts might be the way to keep Christmas on-budget this year, this gives you plenty time to Get Ahead Of The Crafty Curve and make sure your DIY presents are presentable by December.

Saving money on next Christmas is not the only reason to get creative and make something, though. There are plenty things – luxuries and necessities – that become affordable on a frugal budget when you make them yourself. And it is pleasurable. Cutting back on spending can become an exercise in doing without (which is why Be Joyful And Generous, Not Miserly And Miserable is one of my guiding Thrifty Principles.) Making something not only helps your cash to go further it adds the pleasure of trying out new things, exercising skills, becoming absorbed in the moment… Not to mention the satisfaction of creating something with your very own hands.

So, if this is a Thrifty Habit you have yet to embrace, make this the month you give it a go. Your first project doesn’t have to be big. It doesn’t have to get finished this month – take as long as you need. It doesn’t have to be your own idea – the internet is full of people who want to inspire and instruct you to make things. Pinterest is the perfect place to track them down. And it doesn’t have to be obviously artsy – it just has to involve you bringing something you didn’t have before into existence. That could be an object, but it could also be a song, a newly decorated room, a website, an instagram journal, a simple upgrade or up-cycle to make something old into something new… It’s your project – you decide.

January 31

Gimme Some Hygge

Getting Into The Habit Of Being Thrifty

Tartan Thrifty is all about getting into the habit of spending less without living less well. Some habits need to be carried out every day, some every week. Some only need to be carried out once a month – and, surprise, surprise, they are the hardest ones to keep up. To help with that you can find a wall-planner to help you keep on top of this week’s Thrifty Habits – the dailies, the weeklies and the ones that only come round once a month – here. Use it to plan when exactly you are going to carry out the Weekly and Monthly Habits.

Thrifty Things To Do This Week

Thrifty Habits Planner April Week 1 - New Page‘Tis the season to be snuggly. The weather is not inviting,  so why not make like the Danes with their hygge and get cosy indoors?  “Hygge”, by the way, was almost Collins English Dictionary’s Word Of The Year in 2016. It was pipped to the post by Brexit. I suspect we would all have had happier 2016’s if we had focussed more on hygge and less on Brexit…

Hygge involves actively creating a comforting environment in which to sit out winter. Just turning up the central heating doesn’t cut it. You need snuggly throws, wholesome food, good company… and warm, twinkly lighting. A log fire is, of course, the gold standard, but keeping out your festive fairy lights would help too. And there are always scented candles – twinkly lights and comforting aromas in one swoop. You could descend on Ikea for cheap tealights. Or, you could get your cosy on while embracing this weeek’s Thrifty Habit – Make Something – by creating your own. That way you get to be on-trend and on-budget. Have a go at my Teeny Tiny Teacup Candles or Luxury Scented Candles or visit the Tartan Thrifty Make Something Board on Pinterest for more inspiration.

(If you want to read a less cosy take on hygge, read The Hygge Conspiracy by Charlotte Higgins.)

If you drew up a budget last week, then this is also the week to lift cash for anything you won’t be paying directly from your bank account and putting it into as many different purses as you need. You can find more about why this is an essential Thrifty Habit here, along with other small changes that can add up to big savings.

 

May 9

Five Principles Of Thrifty Living #4 Be Joyful And Generous Not Miserly And Miserable

Why Do You Want To Be Thrifty?

 

retro lady fro www.thegraphicsfairy.comAre you reducing spending so you can avoid debt – and avoiding debt because debt makes you miserable? Maybe you want to cut spending on some areas so that you can keep your money for the things that make you smile. Or do you just want to kick that anxious feeling that gnaws at you for the last two weeks of every month? Whatever your reasons – it’s a safe bet you are hoping that a thriftier life will be a happier one.

Saving our finances should never cost us our souls

But what if the process of reducing your spending makes you miserable? What if it turns out that you hate permanent self-denial, feel bad about exploiting other people/other creatures/the planet for a bargain and hate the drudgery of constantly cutting costs? What if, in pursuit of living cheaply you become…  cheap?

What if the whole process turns out to be soul-destroying? Saving our finances should never cost us our souls.

Saving Money Without Selling Your Soul

Four of the five Principles Of Thrifty Living are about spending less. This one is different. It’s about exercising some choice over how you save money so you avoid the trap of putting your finances ahead of your wellbeing and your values.

Choose Joy Over Misery

RetroNewYearsGraphicsFairyFrugality has enormous potential to make us miserable – not least because focussing most of your time and attention on money is never terribly healthy. And cost-cutting that also cuts all the pleasure out of life is a waste of effort – we humans rapidly lose interest in doing things that make us miserable and stop doing them. (That’s why gym memberships when you hate going to the gym are always a doomed purchase.) If you want to make thrifty living an effortless habit you also have to find ways of making it a joy – or you will effortlessly fall into the habit of not bothering.

Click here for this week's free Thrifty Habits Planner
Click here for this week’s free Thrifty Habits Planner

So find ways of saving money that also enrich your life. Grow some of your own food and enjoy a connection with the natural world. Make something you would otherwise buy and enjoy the glow of getting creative. Try a new free or cheap activity every so often and savour the variety in your life. Team up with other thrifters – in real life or online – and enjoy the company as well as the advice you get. Take time to applaud your own thriftiness – everything you do to cut your costs shows that you are resourceful, smart and determined so big yourself up for it.  Hold onto your values and do thrifty in a way that still lets you do you.

Choose Generosity Over Miserliness

The thrift that does not make a man charitable sours into avarice. [M.W. Harrison]

When you don’t have much there are two ways you can go. You can take the miser’s route – focus on what you don’t have and hold tightly onto what you do. Or you can take the generous way – focus on what you do have and use it to make yourself and others feel good. Being a miser may result in more money but it won’t make you rich where it really counts.

Tartan Thrifty Be Joyful And GenerousSo share what you can with other people, and take heart from the research suggesting that people who share their money feel happier than people who don’t. Don’t exploit other people to get the lowest price. Don’t exploit yourself either – by overloading yourself with budget-busting tasks or by endless self-denial. Be kind to yourself – buy yourself a little treat now and again. Don’t just set yourself savings goals – set yourself spending goals to focus on what your money is going to do for you. Find a balance between being careful with your money and being Scrooge.

Getting that balance right is the key to developing thrifty habits for the long-haul that truly make your life better.

Getting Into The Habit Of Being Joyfully And Generously Thrifty

These weekly, monthly and annual habits are the ones to get into if you want to embrace joyful generosity and avoid miserly misery.

Each week

  • how to buy happinessBuy yourself a little treat to keep your morale up

Each month

  • Share Something so your own thrifty journey does not stop you from connecting with other people on theirs
  • Grow Something  so you get food in a way that lowers your costs while raising your pleasure
  • Try A New Free Or Cheap Activity so that avoiding more expensive outings does not become boring

Each year

  • Set Savings Goals to remind yourself why you are trying to cut back your spending
  • Set Spending Goals so you are clear what your money will be doing for you over the next twelve months
May 4

Make Something

Is Making Things Really Cheaper Than Buying Them?

Retro-Thinker-Mom-Image-GraphicsFairy-thumb-320x320Making things is fine if you are five, or fortunate enough to be naturally artistic, but… For the rest of us? Every month? As a genuine attempt to save money? Come on…

Make Something is one of my monthly Thrifty Habits. Why? Whenever we pay for products we are really paying for someone’s materials, their skills in transforming those materials into something we want, and the time it takes them to do that. But if you already have the materials, skills and time, why not put them together and get the product for free? This is neither a new, nor a crazy idea. You do this every time you open the fridge and knock together a sandwich to take to work instead of paying for a sandwich made by a stranger. You probably feel perfectly competent to make a sandwich – why not any of the other products you regularly pay for?

Being creative means you can always be flexible about getting what you want at a low price

Making at least one thing that we would otherwise buy each month turns saving money into an empowering,  positive experience.  Being creative means you always have options, can always be flexible about getting what you want at a low price – whether it’s a new set of cushion covers or a fully re-upholstered sofa.

sewing+printable+vintage+image-graphicsfairy2c-150x150I should say up front, I would make things even if it left me out of pocket. Creating makes me happy, and I am not alone – a recent study by Glasgow University found a connection between making and welbeing.   Making things helps you get into Flow, it can be sociable,  leads you to learn new skills, beats slumping on the sofa in front of the TV and gives an enormous sense of achievement.Which is why Investing In Creating Not Consuming is one of my keys to Buying Happiness. So Make Something is a happy habit – but is it always a thrifty habit? And what if you are really short on the skills side?

Why You Should Get Into The Habit Of Making Things

Making things you need but can’t afford is thrifty but only if it doesn’t end up more expensive than buying it in the first place. I am not just talking about costing more money – I am talking about the cost in time. If you have to spend time you can’t afford to make the thing – especially if you could have used that time to earn or save a bigger sum of money – then paying for someone else’s time might be more thrifty in the long run. So I am not whole-heartedly recommending the DIY lifestyle for every situation.

teeny tiny tea cup candle from www.tartanthrifty.orgWhat I am recommending is that, each month, you give it a go. Take one thing you would otherwise buy – or do without – and try to make your own version. What’s the worst that could happen – you find out this is not for you and that this is one area where you can cheerfully pay someone else for their time and skill? The best that could happen is that you discover an activity you deeply enjoy that saves more money than it costs. That’s worth a shot, surely?

House-Painter-Lady-Image-GraphicsFairyAs for worrying about your lack of skills… There are plenty of projects that require minimal skills. Anyway, the only known way to develop any skill at all is to start doing something you can’t do and keep working at it until you can. Go for it!

 

 

For some creative inspiration, click here to view the Tartan Thrifty Make Something  and look up Make Something in The Habits in the sidebar to the right.