Sunday, 29 November 2015

Planning Ahead To Save Money

I have always been very thrifty. We were married at 21 and had four children so really we have had no choice. Most of the time I have quite enjoyed the getting through and I see it as a challenge to be overcome. I even thought I was quite good at it and after 34 years of practice, didn't really need to learn any more. However a few set backs this year have made me try even harder and I have been searching online for ideas.
Well I am amazed. I have discovered so many blogs out there from like minded people who are so incredibly clever and have read so many brilliant ideas. I really admire these thrifty people. The main change I need to make I think, is forward planning and organisation. No matter how hard I work to save money I really only plan for week to week and  think I need to look ahead. The other problem is organisation, every year my new years resolution is get organised which is of course far to vague and never seems to happen.  I need to keep records and stick to the plan.
A few years ago I bought Elizabeth Craig's 1000 Household Hints published in the 1940s from our local second hand book shop which has a marvelous 10p box outside.

Elizabeth Craig's 1000 Household Hints 1940s


In some ways it is more helpful than modern books as it was written in a time before people expected to enjoy luxuries. There are lots of tips on cleaning stains and even how to skin a rabbit. (I think I better hide that chapter from our rabbit Louis!) There is also a section on money management which gives a real insight to the time. It divides household income after tax into tenths
Two Tenths : Housing
Five Tenths : Food And Operating Expenses (Including Utility Bills)
One Tenth :  Clothing
One Tenth : Personal
One Tenth : Health Insurance And Savings.

Straight away I can see our proportions are different to those set in the 1940s as our mortgage is four tenths of our income but I am definitely going to study this over the next few days and work out a long term plan as there are lots more tips in this book I'm sure will be helpful. That with all the clever tips I have read on blogs will make for a much more organised life. I'll will share how I get on. I'm off to Wilkinson's today to buy a new cash book, and it's not even New Year!


8 comments:

  1. Hello Jane...Just followed your link from realising you have become a follower of my blog...I don't aspire to have loads of followers here in blog land. I like the quality over quantity aspect! So a big welcome...and I'm thinking I shall become a regular visitor to your page also! Jackie x

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    1. Hello Jackie, Thank you for your kind comments. I am really looking forward to reading more of the new blogs I am following. I can honestly say I haven't felt so inspired for years. Jane xx

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  2. What a bargain find, blogs have helped me , like you say so many tips and ideas, blogging is very addictive. x

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    1. Thank you ever so much for your comment. I'm sure you are right about blogging being addictive as I think reading them definitely is!
      Jane xx

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  3. It seems that no matter what the question, someone will find the answer for you in blogland. I learn at least one thing every day. I will,be back again.

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    1. Hello Pam, Thank you for your comment. I can't wait to learn more tips and hopefully sharing some of my experiences along the way. Jane xx

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  4. Hi Jane, Wonderful blog♥ I'm looking forward to reading your new posts hot off the press:) Have a lovely weekend:) Linda

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  5. Hello Linda, Thank you very much for your kind comments. Jane xx

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