I have just dropped off the boys and every where is doing black Friday. I got confused has to when it was due to most people having previously black Friday deals in order to make a bob or two. For me personally if I do not need it I tent not to buy it. I have been trying to budget due to not being paid until the 18th December and having to work a month in hand. I am still not 100% use how this will effect my benefits so can not afford to spend money I do not have. I do not have an over draft or a credit card so I am already saving money I also do not pay for may account. What I will do is look at what I may needed and save for it so I can buy it in the new year.
The Royal British Legion
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Friday, 24 November 2017
Monday, 20 November 2017
"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Make your own gifts and Decorations this year 2017.
Making
your own gifts and decorations this year.
This
year now that both of my children are older I am looking at
celebrating this year with them for the fist time and to try and
teach them the true meaning of the festive season.
For
me it is “The Gift of Giving” so we are in the process of doing
this and celebrating Yule.
So
this year their dad is already underway with making the boys their
Yule gift and I am looking at decorating the house and what food and
events that we are going to take place.
So
it is the 20th November 2017 and a month before I will be
looking at decorating the house and the tree.
So
where do I start.?
One
of the things that I am looking at is what I have in the house and
how I can use what I have instead of buying things new and also about
what I can forage from the !!broken!!
One
thing that I have been looking at is the following links fro
inspiration and Facebook pages and group that I am in.
Cloves
one
of the things that I am looking at for The festive season is buying
Cloves.
What
are Cloves?
Cloves
are the aromatic flower buds of a tree in the family Myrtaceae,
Syzygium aromaticum. They are native to the Maluku Islands in
Indonesia, and are commonly used as a spice. Cloves are commercially
harvested primarily in Bangladesh, Indonesia, India, Madagascar,
Zanzibar, Pakistan, Sri Lanka, and Tanzania. Cloves are available
throughout the year.
Buying
them “Fair Trade”
http://www.fairtrade.org.uk/en/what-is-fairtrade
Beacuse
they they are from over seas I am looking at buying them fair trade
and to also look at selling them whole sale when I set up my own
business. I am looking at selling dried products for making things
with in the future. Cloves
can be brought al year and can be purchased form any supermarket so
why use them them fro the Winter Holidays what makes them so
important?
Health
benefit can be found by following the links below.
Cloves
are a good source of manganese, selenium, magnesium, omega-3 fatty
acids, vitamin K, dietary fibre and vitamin C.
What
do they have to do with the Winter Holidays?
With
cloves coming to the UK from places like Indonesia
but the region with the largest production is Zanzibar in eastern
Africa; most people know
of Cloves being Used in Mulled Wine and Christmas Cake.
Now
that the UK is so divested with culture, and traditions it would be
nice to see Cloves used more and why not start by using them at this
time of the year to decorate the home and in cooking.
Make
Cloved Orange: A Regency Pomander
This
is the art of using Cloves and Oranges to decorate the home and to
give as gifts of family and friends at this time of year. For the
history y of Cloved
Orange: A Regency Pomander
please follow this link below.
One
thing that Make Cloved
Orange: A Regency Pomander look
like are Chirstingles.
What
is Christingle?
Chirstingles
is a
lighted candle symbolizing Christ as the light of the world, held by
children at a special Advent service originating in the Moravian
Church.
It
is sally on
the First Sunday of advent which
is a Christian way of celebrating this time of year. You can attend
a Christingle celebration at your local church and get a christingel
as part of the services
whilst collecting money for charity.
Useful
Yule recipes./links
https://Wiccan/celtic/akasha/yule.htm
Use
full link about Spices
http://www.telegraph.co.uk/gardening/grow-to-eat/where-do-christmas-spices-come-from/
Saturday, 18 November 2017
"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU "Please Sir Can I Have Some More!"
18th
November 2017
“Please
Sir can I have some more!”
I know that it may sound silly hearing these
words BUT now that you have looked at setting your self a shopping
budget, sorted out your benefit entitlements and the best way to
shop. IT is now time to think about what to buy.
SO IF you have looked at doing one major
shop like most people will do once a month and buying the “stables”
when required like bead, milk, eggs, butter and cheeses.
It is time to look at buying items that you
should always have in that make up the main part of any meal.
On
line shopping
So if you have looked on online shopping which is some thing that I how do it pays to shop around
before doing so for the best prices. Know a lot of shops on line
will do an online comparison and this is something that you can do
when you go into the stores.
Most store's offer an online shop with offer
you insensitive shop with them BUT read the small print, most shops
will have a minimum spend limit in order to get “free delivery” or
deliver at a discount price.
What I have found is that it would cost me
about £4.00 to go shopping and use the bus so what I look at an
online delivery I try to get my shopping delivered below £4.00 and
when the children are in bed.
So at the moment I am using Iceland for all
of my frozen and Tesco's for my main shop. I also use ASDA fro all my
baby products, Lidi for my veg and fruit and other places when
required to do so.
So like most people I try to shop around and
get the best bargains and have found that by setting a budget it as
helped to do this.
SO if you chose to do it m=now or in the new
year look at a budget and try to stick to it and also look at what
shops offer the best option for the main food that you eat and buy,
What
should be in your cupboard.
Now for me the following items should always
be in the house at all times.
-
Oats
-
flour
-
butter
-
eggs
-
cheeses
-
tomatoes
-
salt
-
pepper
-
sausage
-
tea
-
coffee
-
pasta
-
rice
-
raisins/mixed dried fruit
-
nuts/mixed nuts
-
herbs
-
spices
Now these are the main things that I always
try to have in due to the fact that if you have all of these you can
make a number off different dished and survive without having to buy
and other food groups especially if you are on a budget and have
allow income.
I will do a page of all of the above to say
why I think that they are important to have in your home at all
times.
Tuesday, 7 November 2017
"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU A Heathy Start!
7th
November 2017
Now that you have looked to see if you are entitled to Health Start
vouchers, you can can a deep breath and know that you can start
saving a little money on milk and vegetables which is something that
everyone is encouraged to eat more of especially children.
Now it is is to think about not just not what to buy but when and
where to buy.
Know what to
buy but when and where to buy it.
AT this time of year a lot of people tend to spend money they do not
have, the credit cards come out and we spend most of next year paying
them off. WE buy way to much food and drink and things that we do
not really need.
One way to avoid this would be to but gifts thought out the year and
out them into storage, re-gift gifts from your re-gift box (we all
have one) or just ask people what they would like, want our need.
You could also have a fixed spending budget for each person you are
looking at buying for, so make a list or even do a secrete Santa.
This year both of my boys are 3 and 2 so they still do not know what
Christmas really is, and so it is down to me and their dad to tell
them.
Both me and their dad are not devoured Christians so we celebrate
Yule instead of Christmas day. This is our choices and depending on
what your family decide to celebrate should be our choice and not due
to the pressure you are put on by society to conform and to celebrate
Christmas Day.
So
before buying any thing thing about when you need to buy the items
for, when you need them buy and set a budget.
So
with Christmas being the next most import day fro people, I lot of
people
are worried with only two pay days left before the big day. Most
people
get paid
monthly I myself get paid on the 27th
November but this vairies
depending
on your employers payroll.
So
before
you can even buy any thing and whip put that credit
card set a budget and also talk to out friends and family. Christmas
is a time for giving, and sharing the time with friends and
family. So if you are sharing Christmas
Day with Friends or family make a list fro what needs buying and who
is going to buy what.
Christmas
usually
casts of Christmas Eve, Christmas Day and Boxing Day, so if possible
share the three
days between
your loves ones and do not share these days alone.
You
could look a volunteer on these days at a homeless shelter,
or with a neighbour,
family, friend or something else
there is still time to plans.
Now
I know some people may work at lest
one of those
days I use to work all three before
I was a mum and know I celebrate
more events though
out the year for a number of different reasons.
One
of the main days that I celebrate
is the
Winter
Socstice
Epiphany
Speacal offers
At this time of year there area lot of special offer, But remember
only buy what you really need, things like chocolates and biscuit are
usually gifts that you buy for friend and family and they will
usually do the same of you, so think about it. Only buy in one tin,
because buy the end of Christmas I always end up with a cupboard full
of sweets and treats with an expiration day of at least 6 months on
them.
So look around the shops if you have time to do so go on line and
remember that if you order off line to check the closing date fro
postage. This will be on each website and can also be found on the
Royal Mail website to.
Postage
Postage make sure you know what to post if you are posting over seas
or in the UK and alslo what the closing day is for ordering on line
before Christmas.
So over the next couple of weeks before pay day think about what you
need, what you want and where to buy it from.
Sunday, 5 November 2017
"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Remember Remember the 5th of November
Like most families
when it comes to shopping I find it a nightmare epically with two
small children in toe, So what I am doing at the moment is setting my
self a weekly budget of about £50.00 per week for my major shopping.
Being a single mum
on benefits. (not universal credit) I have a fixed income that I have
to work with, I also receive Health Start Vouchers which means that I
have a fixed amount to spend on Milk and Vegetables per month for my
family until my youngest is five.
What I am going to
write about this how I have looked at shooing for less and Eating
well for less over the next couple of months.
I will explore my
options by using local stores that are accessible to me and also by
using online options too.
So please feel free
to follow my blog(s) and you tube clips.
Firstly I
would like to talk about setting a budget.
The first think that I have done is set a budget for myself of £50.00
per week in order to spend on my average weekly shop. Now for me
this dose not include milk and vegetables that I can uses my Health
Start Vouchers to buy.
So If I manage to stick to my weekly shop of £50.00 per week then I
would be spending on average of £2,600 per year on shopping. Now we
both know that this is not always the case so my new Years resolution
is to keep annual report on my weekly shopping budget.
So over the next two months I am going to research and aim to do
this.
Now if I add my Health start Vouchers to this a mouth at £30.00 per
month it helps to saves me. £360.00 per year on shopping.
So my budget to aim for on shooing per year is £3,000 if I add any
unexpected buys. (Based on one adult and two children.)
Now I know how easy it is to bulk buy and think that you are getting
a bargain. But STOP spit back and start from scratch.
Make a shopping list once a week of what you will need and try to
stick to it, I know this is easier said than done but try and get
into the habit of doing so Also split your week shooing into
categories
Likes
Dislikes
wants
needs
desire
food
clothes
luxuries
necessities
toiletries
These are just a few Ideas, because to every thing that you buy needs
to be done weekly, there are some things that may only be needed
monthly or annually.
So when buying things keep that in mind and also check expiration
dates when buying products like food and drink. Also remember that
some things this may not apply to and other items like shampoo will
usually last you 6-12 months when stored correctly.
When shopping now that you have your list, look at where you could
buy these items from and save money buy buying “home brands”,
looking at who much things cost weight fro weight, is it really a
special offer, coupons and special events.
BUT before you do any of this is IF you can claim Healthy Start
Vouchers. This will save you about £360.00 per year on milk and
Vegetables.
Please follow the link below for more information.
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Making your own gifts and decorations this year. This year now that both of my children are older I am looking at celebrating this yea...
