"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU 16th January 2019

With is all most being the middle of January 2019 I have been “Spring cleaning” my life now that it is 2019. I have been looking at what I need in my life and what I want epically with the way that things have been changing that I have no control over; like the further cuts to the local bus service in my home town.

At eh moment the fist thing thing I have done is looked at my finances which is something that I would recommend any one to do and have been looking at what I spend my money on last year to see is I can improve my spending and saving in 2019 now that I have three children and am looking at setting up my own business in the future.

Stage coach bus services

https://www.stagecoachbus.com

So planing my routes and budgeting my bus fare to make it more cost effective until I can afford a car.

With the news of more cold weather heading this way I need to budget for heating and lighting the house so the following need to be looked into.

I have added some suggestions below with links that I have used and viewed.

1. Benefit check (cold winter payments)https://www.entitledto.co.uk
2. changing energy suppliers. https://www.uswitch.com
3. Making the home more insulated https://www.freeinsulationgrants.co.uk/
4. solar panels http://www.energysavingtrust.org.uk/renewable-energy/electricity/solar-panels
5. water bill (big difference schema)https://bigdiff.co.uk/

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Kylie Butlers New British Heart Foundation Advert For Dechox Month.

https://www.justgiving.com/fundraising/dechox2019-miss-katrina-l-slomczynski

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU In the book “366 and more things to do “ISBN 0709706855.

In the book “366 and more things to do “ISBN 0709706855.

1. Nougat and other delights It talks about sweet things that are eaten during the festive holidays. It mentions in the book how children around the festive time of the year eat about half a kilo of nougat in Spain.

Today they are always talking about the health of children and how much sugar they consume every day compared to how much they should eat.

I have included some link(s) so that people can view some information and facts so that they can make up their own minds and chose what they should and should not eat and fid their children.

sugar swaps change4life

https://www.nhs.uk/change4life/food-facts/sugar

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Happy 2019 Budget

Happy New Year 2019

1st January 2019 A

Happy New Year this year my aim is to read more this year and to try and to reduce my carbon foot print.  With public service being cut again in Nuneaton I believe that I maybe forced to buy a car and add to the daily congestion and "rush hour."

So I will aim to buy a new car in April of 2019.

That gives me two months to start saving and to look for a car.  At the moment I have tried to cut down when I use public transport due to the rising in costs and the reduces services.

I remember ten year ago when I could catch the bus in Nuneaton almost 24/7.  Now I am lucky if I can catch a bus between 9.00-17.00 Monday to Friday.

I already tend to buy every thing off line which means that I am not worrying about standing in the rain for a bus, carrying heavy bags, fuel costs and car parking spaces.

It also means that I can do my shopping in half the time and can spend time with my children more.  I also only buy what I need and do not over spend and buy things that I do not need to buy.

I also have time to read the ingrediency and look at how things are packaged so that I can try to buy Palm oil free food and food that is not wrapped in ten layers of plastic or recycled boxes.

So I just hope that I can reduce my wastage, stick to my budget of £40.00 per shop per week. (Health start voucher £30.00 per month for milk and vegetables.) 

I am hoping to save £360.00 buy the end of the year and to try and cut my spending buy £20.00 per month if I can (Every 4 Weeks.)  Compared to last year.

I also will do another budgeting form for this year and a food diary.

https://www.healthystart.nhs.uk

https://www.citizensadvice.org.uk/Documents/Advice%20factsheets/Debt/d-budget-sheet.pdf

https://www.nhsdirect.wales.nhs.uk/pdfs/food_DIARYSHEET.PDF

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Happy New Year 2019

Happy New Year 2019

1^st January 2019 A

Happy New Year this year my aim is to read more epically to my children and one book that I will read is called 366 and more things to know. ISBN 0709706855.

So what I will do is read from it each day and sum up what the information that each day was about. At the end of every month there is a family activity to do with your child I will aim to do this on the last Sunday of each month.

Sundays is my hoe are what we call family day and at the end of every month we look at having a family get together the boys spend time with their grandparents and Sunday with Mum and Dad.

This month activity will fall upon Sunday the 27^th January 2019 and will include

“Taking an impression of an animal track.”

Equipment needed

1. Chalk powder/Plaster of Paris
2. cardboard
3. paper clip
4. water
5. hand trowel
6. hand/shoes brush.

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Remember Remember the 13th November 2019

https://katrinaslomczynski.blogspot.com/2017/11/rememberremember-5th-of-november.html

Please read the above link before following.

Over the last year I have been updating this blog plus all of my other on line social media.  I would love some feed back.

Now that a year as past since I last posted about budgeting my shopping bill I have had a lot of changes to deal with.

One of those changes is that I am still on the old system and claim Employment and Surport allowance.  I also only have one child living with now due to my old son wanting to move out and live with his dad full time.

For me this is worst thing to deal with but was his choice.

So now I have had to re budget my income (benefits) due to not working and still caring for my youngest son who is now three.

My housing support is still the same, I get child benefit and child tax credit, employment and support allowance and health start vouchers for my son until he is 4.

What I have been doing over the last year is buying a lot of my food online apart from milk, fruit and vegetables.  I have set a budget of £30.00 per month for Milk, fruit and vegetables which I now top up due to only claiming Health Start Voucher for one child.

I use local markets and store of this.

When shopping on line I have set a budget of £50.00 per week for my weekly shopping and try to stick to this.

I use Tesco's mainly  and pay for a delivery saver to cut the cost of my spending, so that I can have my deliveries at a set amount per month and be delivered when I know I will be in.  I also use Iceland at times too for my frozen.

The shops that I use are my own personal choice and the two I am happy with.  I will still shop at other places in the week depending on what I may or may not need.

Over the year I have found this for me to be the best way to shop.  It helps me keep track of what I am buying and gives me the option to click on regular items that I would buy.  I do not always buy the same thing every week and do not always do a shop every week.

But I do have a budget that I stick to and that is around £50.00 per week for shopping which makes my life less stressful and more manageable for me.

I have also managed to claim points when shopping on line, I get voucher to spend which means at times I may spend more to use them; however with the points that I have claimed over the year it will help when budgeting for the holidays and birthdays.

Having a fixed address helped me to shop on line when I had no fixed address I always had to carry money with me which meant that I was always worried about losing it or I would just pay on my card.  This mean that at times I would be short at the till or that I would over spend so that at he end of the month I may have spent more money than I had budgeted for.

Over the last 6 months I have looked at saving about £10.00 per week I have had to do this due to the increase in bus fare that I have need to take and pick up my children.  Next year it is due to rise again so I am looking at driving again if possible or finding an other way to save money so that I can still drop off and pick up may children.

AT the moment my bus fare is around £22.80 per week so that I can travel in my local area and to local towns and villages.  This is for Stage Coach Bus service only and not any other bus company..

I have added some links below please take a look.


Tescos
https://www.tesco.com/groceries/

Iceland
https://groceries.iceland.co.uk/?source=ppc&msclkid=5779f74dc0931484c04faca72b412b89&utm_source=bing&utm_medium=cpc&utm_campaign=7Stars%20-%20*Pure%20Brand&utm_term=iceland&utm_content=Iceland%20Pure%20Brand_Exact&gclid=COGnoOfV0d4CFZO6GwodPEUFLw&gclsrc=ds

Health Start Vouchers
https://www.healthystart.nhs.uk/

Stage Coach Bus Company
https://www.stagecoachbus.com/tickets?msclkid=1db0db7edfc91a11ac66809433f1bc9e&utm_source=bing&utm_medium=cpc&utm_campaign=Brand%20-%20Stagecoach%20-%20Exact&utm_term=stagecoach&utm_content=Brand%20-%20Stagecoach%20-%20Exact%20-%20()%20-%20()%20-%20()%20-%20()

"Eat Well", "Shop Well" and "Save Well" to HELP take care of YOU Rang-tan: the story of dirty palm oil