we have decided it is time to get budgeting... serious budgeting... we started a few months ago and it is both painful and intensely satisfying. it gets disheartening when the boiler breaks or the extended family decide to have a family reunion abroad but we are plodding on and determined not to be living in a perpetual state of debt. so here are a few ideas that we are trying to put in to practise.
- buy in bulk
- shop online or use self scan at the supermarket to keep track of how much you are spending - stick to a decided amount
- use cloths instead of wipes or paper towel
- use vegetable oil instead of olive oil
- put less cheese in food
- make bread
- dont eat out so much
- eat less meat
- eat more beans
- packed lunches for all of us
- make coffee at home - do not buy expensive coffees
- buy less alcohol
- say No to things - e.g. expensive days out and cinema trips - ugh!
- use less laundry detergent
- dont use stain remover in every wash (leftover from weaning days but i realised no longer necessary)
- don't go in to Holland & Barrett (i always spend too much on unnecessary pills & health items!)
- buy cheaper hair & body products - don't get so caught up in the all natural uber-organic products
- use less loo roll
- wash clothes less
- wash self less - ha!
- turn the lights off
- turn heating off and put a jumper and scarf on
- go on less holidays or do house swaps for holidays
- use the EEBA app if you have an iphone - i can not recommend this highly enough - it has totally transformed our spending habits and ability to live within our means. it is an envelope system that enables you to create a budget with various envelopes and then record and track your spending really easily on your phone
- buy clothes from charity shops or borrow/swap with friends - this can get depressing after a while and i think some times one needs a little injection of new stuff. this is where EEBA can be great because you can choose how to spend your allocated person al amount each month and if there's a bit leftover then treat yourself without feeling guilty
- get a big fat loan!!??
one problem i have with budgeting - i would love to buy all organic and herbal but it is so much more expensive so i am trying to mix it up a bit
so to start we have cheap and simple Spicy Vegetable Curry
gather:
vegetable oil
5 cloves garlic, crushed
1 small red chilli, chopped
1 medium potato, chopped
1 tsp garam masala
1/2 tsp mild curry powder
1 tsp cumin seeds
1 tsp turmeric
1 tsp honey
1 tin coconut milk
1 tin chick peas
10 green beans, chopped in inch long pieces
1/2 courgette, chopped in chunks
1/2 small cauliflower, chopped in chunks
to make:
1. heat 1 tbsp oil in a wok
2. add garlic, chilli & potato and stir for a few minutes
3. add all the spices and stir for a few minutes
4. add the coconut milk and bring to the boil. simmer on low heat for 8 minutes
5. add honey, beans, cauliflower, courgette and chick peas and simmer for 5 mins
6. add salt and pepper to taste and serve on rice