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Dollar Diet: Week 11, a frugal St Patrick’s Day celebration

This was not the most frugal week ever as we had not one, but two special occasions.

Isn’t that just typical?  Nothing much for ages, and then everything happens at once.  This year D and I decided to make a special deal out of St Patrick’s Day; and we were also privileged to see two beautiful people get married.  I had a great time at both events, enjoying the company of some of the people I love the most.  Special occasions can mean you spend more money than usual, but they don’t have to break the bank.

Green chrys

I got a huge bunch of green chrysanthemums for $3

Now I have a few kid-free mornings, I have more energy to entertain and to put more effort into celebrations.  I think celebrations and traditions are vital for families: they teach a child their family history, culture or religion; traditions help instil a sense of belonging, they help mark the passing of the year, and can bring generations together.

D and I are pretty intentional about what cultural or religious events we do or do not observe.  For instance, we don’t do Halloween, and Santa, the Easter Bunny and the Tooth Fairy don’t visit our house.  But Christmas and Easter are still a big deal, so are Father’s Day, Mother’s Day and birthdays.  We also have our own traditions that are special to our family, like our family and whanau nights, breakfast in bed on your birthday, and Gordon ‘sandwiches’ (someone yells ‘Gordon sandwich!’and we all have a group hug).

This year we want to mark a few ‘Saint days’.  While St Patrick’s Day has largely morphed into a cultural holiday of craic and drinking rather than a religious observance, I am more than happy to mark this day, and for my children to learn about the life of St Patrick, and indeed, about other key figures in Christian history.

I put together a fun St Patrick’s Day party on a shoestring budget.  Here’s how I did it:

  • Make it potluck.  This is the norm in New Zealand fortunately!  I provided the main dish of Beef and Guinness stew, along with peas, green apple spritzer, and lime jelly.  As is often the way, we ended up with a feast.  Soda bread, scalloped potatoes, lamb, an all green salad, and several green desserts.                                                                green
  • Keep decorations simple.  I am not an OTT, decorate-anything-that’s-nailed-down sort of person, but I do like to put up a few special things to signify that it’s special event time.  I had some green card left over from Christmas cards my kids made, so I made some shamrock bunting.  I also found some lovely Irish blessings online, and put them up around the dining table.  Some green flowers reduced to clear were the finishing touch.  I decorated the children’s table with shamrocks and wrote their names on their place setting (Big hit!  Plus I strategically seated my son far, far away from my friend’s son who he likes to pick on, I dislike this phase).  The best thing is I can re-use the bunting and blessings in the years to come.
  • all set tots in tawheroblessingkids table tots in tawhero
  • Make it meaningful.  I spoke one of the blessings over the group as our grace before the meal.  After the meal we all sat down to watch the excellent BBC kid’s show Let’s Celebrate.  If you aren’t familiar with this show, it follows children as they celebrate cultural and religious holidays (They look at ALL faiths too, which I appreciate).  They have a great episode all about St Patrick’s Day which follows two girls in Northern Island as they get ready for the day.  Let’s Celebrate always goes into the history and meaning of each event, and this bit is acted out by kids.  It’s gorgeous!  You can watch the St Patrick’s Day video on YouTube here.  It wasn’t only the children who learnt a lot from this episode, many of our guests didn’t know much about St Patrick.
  • Unleash the craic!  I don’t think anyone does a party quite like the Irish.  To their credit, all our guests played along with my shenanigans.  We wores green, played Irish music in the background, D led us on the guitar in old-fashioned sing-a-long, and we played a hilarious ‘Minute to Win It’ game I found on Pinterest, called the Shamrock Shake (which I now can’t find to link to it, sorry).  Basically you fill a tissue box with balls (or plastic eggs in my case, which I have for Easter), tie it over your bottom, and shake, shake, shake to see who gets the most eggs out.  It was very funny, and even my 2 and a half year old got the gist of it.

     

I’m looking forward to next year already.

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Dollar Diet: Week 10, Use it up

This week was a very good week in our frugal Tawhero household.

te manawa 1 tots in tawhero

Sausage and Chip mucking about at Te Manawa museum, Palmerston North

A couple of bitterly cold mornings found me digging out our winter clothes, which then in turn sparked me to go through ALL my clothes.  I tossed some, ruefully packed some away that don’t fit because I’ve put on weight (gah!), and generally gave everything a good once-over.  I realised I had a serious ‘hole’ in my wardrobe – namely a decent pair of jeans that fit properly – so I toddled off to buy a pair.  I didn’t find anything second-hand, but I managed to get a great pair at one of our local stores and my loyalty card gave me 30% off.  I’m not quite sure how that happened as I hardly ever buy from that store, but I’ll take it!

The weird thing is, it’s like sorting out my wardrobe has given me a new lease on life.  It galvanised me into action, and I was a busy beaver most of the week, especially where saving a buck or two was concerned.

I woke up with a migraine on Wednesday (yay) and generally felt nauseous and yuck for almost the whole day.  I’d postponed whanau night, which then left me with the dilemma of having to cook.  It was very tempting to get a takeaway, especially as D wasn’t around that night, but I said to myself ‘nay young Angela, you’re on a Dollar Diet.  Gird your loins, girl.’ [I really do talk to myself like that, I swear.] I rifled through our freezer and was grateful that I almost always have a few heat and eat-type meals in stock.  Crumbed fish, I thank thee.

I was ruthless about eating at home and using up what we had.  When we ran out of bread on Friday (and it was too late to make some), I didn’t nip out to the shops to buy a loaf.  I whipped up a tuna pasta salad instead, easy-peasy.  I finally found a use for the tin of applesauce that had been sitting in our cupboard for ages (turns out your two-and-a-half-year-old will just love it and basically just eat that for his dinner).  Two bananas and half a pear that were starting to turn got baked into banana bread.  Slightly-manky-looking veg got thrown into a shepherd’s pie.

banana bread tots in tawhero

Only half the banana bread survived long enough to make it into the photo, RIP BB.

I’d bought two packets of malt biscuits (they were on special) as a treat for my children.  They turned up their nose at them because they like a different brand.  Toddlers!  No amount of persuasion worked and now I was stuck with two packets of biscuits that I wouldn’t eat myself (too sugary).  I did however have whanau night, our minister’s ordination (such a big deal, yahoo!), and my FIL and S-MIL come to visit, all within days of each other.  So I made my family’s fudge cake recipe that has been lovingly handed down from generation to generation.  Okay, so from my auntie to my brother and I…

Anyhow, it was a brilliant choice.  Fudge cake keeps well for several days, everyone loves it, and you can eke it out if you cut it into bite-sized squares.  One batch did all three occasions.

The kids and I had a grand outing this week, which barely cost us a cent.  My mother very generously paid for the tots and I to go to a Peppa Pig stage show over in Palmerston North.  It was so. much. fun.  I’m not sure who enjoyed it more, me or the kids?  Bing bong boo, I say!  The tots behaved beautifully – even though it was Chip’s first-time at a show.  Chip was obsessed with Daddy Pig, screaming with delight every time the porcine father appeared on stage.  It isn’t the sort of thing our budget normally allows, and I was very grateful to my mum for treating us.

We topped the day off with a trip to their favourite place in Palmy North, Te Manawa.  Te Manawa is a wonderful, free museum that is pretty much paradise to my children.  It is an incredible yes space, with so much that children can play with, sit on, create with and touch.

Te Manawa 2 Tots in Tawhero

One of the playrooms at Te Manawa

The weekend found us with two sick tots on our hands.  Sausage with a cold and Chip with a vomiting bug.  Such is the reality of life with two small children.  My MIL offered to watch them for a bit on Sunday afternoon.  I leapt at the chance to actually leave the house!  (Hello world, I missed you.) D and I went to the library, and then bought a drink and muffin each at a cafe, where we sat and read our books in blissful, sickness-free peace.  A lovely date!

reading party tots in tawhero

Reading party for two 

What frugal wins did you have this week? Chime in below

 

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Dollar Diet Week 9: Of Plums and Pancakes

After our extravagant holiday to Great Barrier Island, D and I recommitted to tightening our wallets.  Our holiday was two years in the planning, but even so, holidays have a way of making money slip through your fingers like water.

We have some short-term goals, like a possible wedding in Australia to attend (I have my fascinator at the ready, R…), saving for further studies/possibly moving towns, and a long-term goal of, well,  just saving as much as we can.

Despite a dentist bill, we had a pretty frugal week.

  • I made plum jam, which we enjoyed on pancakes for Shrove Tuesday.  Easter is a big deal in our house, and it was a fun way to signal the beginning of Lent with my tots.  I keep seeing pancake mix on special at my local supermarket, and throw my hands up in despair that such a product is even required (okay, so my hand-throwing is metaphorical, lest I be known as the crazy supermarket lady).  I mean, come on, pancakes are almost as easy as making toast.

plum panccakes tots in tawhero

  • I went pine cone gathering at a local pine-treed spot for us to use as kindling this winter.  The pine cones are an excellent source of fuel for our wood burner, and are absolutely free.  For 15 minutes worth of effort (which including scrabbling up a steep bank) I netted two bags of cones.  I’ll be going back for more.

pinecones tots in tawhero

  • We packed our lunches and snacks when out and about, and entertainment was our weekly whanau night, and an impromptu BBQ (with the same friends) at the Bason Botanic Gardens which have free gas BBQ’s for the public.                                                   Bason gardens tots in tawhero

 

  • I attended my local free gym a.k.a. the great outdoors.  At the moment I am relishing my kid-free mornings, and after I’ve dropped Sausage off at kindy I take the top track at Virginia Lake.  It takes me 30 minutes and is just like doing a HIIT workout as the track has very steep sections, undulating sections and quite flat sections too.  I come home in quite a sweat.  I don’t meet a lot of people on the track – which suits me fine as I like peace and quiet when I’m exercising – but I’ve been stunned by the number of elderly people who are on the track too.  I hope to be as sprightly when I’m their age!  The only downer is my faithful running shoes finally gave up the ghost after long service, and now I have the task of finding some that are actually decent.  Quality shoes are so hard to come by!  If you have any recommendations, do let me know.
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Dollar Diet Week 5: Love walks in

An unexpected expense hit our wallets this week – getting the house flea-treated.  Yuck.  Extremely frustrating as we didn’t have any pets (although we do now, more on that later).  It wasn’t a bad infestation or anything, but I react very badly to insect bites so we had to take action asap.

Aside from that, it was a relatively frugal week.

I:

  • had friends over/visited friends
  • made bread and baked cookies with the children
  • made several jars of plum chutney, as our plum trees are fruiting nicely
  • passed on outgrown clothes to friends
  • packed lunch and snacks when out and about
  • hung out at home as much as possible

The big news is that my Dad won a girl’s bike in a competition!  The bike is really decent (it’s an expensive brand) and will last Sausage for several years.  She turns five next year so getting her a decent bike was on my radar, but Dad’s win has saved us quite a bit of money.

bike-tots-in-tawhero

Happy girl!

I am always on the lookout for free or cheap things to do with my family, so when I spotted an article about ‘Wheels in Whanganui’ happening over the weekend, I marked it on the calendar.  It’s the first time this event was run, and was a collection of cars, trucks and other machinery for families to come and look out.  They also had bouncy castles, a merry-go-round, other rides and food stalls so there was very festive atmosphere.  It was run as a fund-raiser, with a small entry fee to get in ($2 each for D and I, kids free) and it was a fun and frugal way to spend the afternoon.

 

At the end of the week Chip and I spent the morning visiting his new kindy (more on that later).  A little calico cat was hanging around much to the delight of the children, but no one had ever seen her before.  She was obviously hungry and looking for company and it was love at first sight for me.  We only live around the corner from the kindy, so I thought I could take her home until we discovered who her owners were.

We knocked on doors and I put her picture on Facebook.  We found her owner within a few hours.  Only the ‘owner’ didn’t want her anymore as they are moving countries, nor had they inoculated  or spayed her.  Don’t get me started on irresponsible pet owners!  Anyway, she has a new name and a new home (Sausage’s bed…), and she’s a brilliant cat, so we feel like we got the better end of the deal.  She’s been with us a week now and I am besotted.

cali-tots-in-tawhero

Seriously, who could resist that face?

Crazy Cat Lady, that’s me.

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Dollar Diet: Week 3, a binge

Last week was in no way frugal as the kids and I took an impromptu trip to Wellington.  I needed a change of scene, and D needed some peace and quiet, so when I found a decently-priced holiday home on-line, I went for it.  We had two nights away and had a great time.

I’d been thinking about taking my tots to Bug Lab, an exhibition on right now at Te Papa.  I wasn’t sure if it would be too scary for my tots – who love bugs and insects – but the entry fee wasn’t too pricey ($20 for Sausage and I, Chip was free) so even if they hated it I figured it was worth a try.  The exhibition was amazing.  My tots did get a bit scared as it’s not every day you see insect models that are the size of a small car.  Sausage still enjoyed it and we spent a good half an hour looking around.  Chip got scared, but was content to play with the interactive stuff outside of the bug ‘lairs’, and of course he loves the rest of the museum.  If you’re an NZ parent who is thinking about taking your kids, I wouldn’t recommend it for under 4’s.  School-aged kids, heck yeah.

I’m looking forward to travelling by bus to Te Papa in the future so I don’t have to pay for parking.  At the moment my tots are too little to walk from the bus stop to the museum (a reasonable distance), and the thought of taking our stroller, backpack and two tots on a bus gives me a panic attack.  Anyway, another time perhaps.

We caught up with several friends on the first night, and it did my soul good to see some of my favourite people all at once.  We kept it simple, fish and chips from the local takeaway, and had some vigorous Donald Trump discussion around the dinner table.

We took my plane-obsessed son to Wellington airport.  It cost a little for parking, but it was worth it to see his excitement.  Even Sausage enjoyed it.  We followed it with a trip to Lyall Bay beach.

airport-tot-in-tawherobreach-tots-in-tawhero

I got little sleep the first night, as it was Chip’s first night ever in a bed.  He fell out twice.  Fortunately there was a spare mattress I was able to put down on the floor beside him.  Anyway, the upshot was I was so tired the next evening I was too knackered to cook, as had been my original plan.  I couldn’t face greasy takeaways again, but I managed to find a local Indian place that delivered.  Chip slept just fine that night.

In fact, once we got home he decided he wanted to sleep in his ‘big boy bed’.  He’d been rooming with his sister, and we’d been using his bedroom as a playroom and spare room for guests.  I’m delighted that he’s transitioned smoothly from his cot to his bed, but it has meant springing for a new duvet/sheet set so there is a spare in case he wets through/when one is in the wash.  I have bought second-hand bedding in the past, but it ended up having fleas in it(!), and I can’t bring myself to give it another try.  I managed to get him a duvet, duvet inner and sheets for $60.  Chip fell out again once this week so we used the pool noodle trick from Pinterest as a bed rail.  It was only a few dollars.

We’ve been enjoying all the sights and sounds of Whanganui’s best event: the Vintage Weekend.  Our city is host to all things vintage – cars, fashion, music, boats, a soapbox derby, planes…you name it.  I was feeling in rather a party mood – it is my favourite time of year – so we bought lunch there rather than take it with us.  D and I got some expensive sandwiches, but as they were pretty much the best sandwiches we’ve ever eaten, we’re okay with that.  The beauty of this weekend is that most things are low-cost or free, and it really is a joy to participate in.

Anyway, after all that spending I did make some honest attempts to limit any more.  This week:

  • I packed lunches and snacks, including when we were on our trip.
  • We’ve stuck to our meal plan and used up leftovers.
  • I included free activities on our trip, such as the beach and a visit to a friend.
  • We enjoyed a free lunch out using a gift card.
  • Although there were loads of things we could have spent money on at the Vintage festivities, we settled for a traction engine ride (a gold coin), a ferris wheel ride ($3) and entry to the family zone where free games, activities and bouncy castles were available (gold coin).  Looking around at the amazing car collection or listening to bands playing cost nothing.
  • D and I enjoyed a date night at home, watching The Mask of Zorro.  Love that movie.
  • We had our first whanau night.  My brother has been coming over for dinner once a week for ages, and now we’ve expanded this to include our friends who recently moved here.  One week the guys will go off to Toastmasters while the kids play and my friend and I have a chat, and on the non-toastmasters night we will play board games.  We’re alternating who hosts, and we all contribute to the meal.  Simple and fun and much cheaper than a restaurant!
  • We went on some free outings in Whanganui.  The kids and I went with friends to Gordon’s Reserve and Kowhai Park.  Hours of fun for zilch.
  • Swapping childcare to get a break.  My daughter gets on well with my friend A-M’s daughter, J.  J came over for an afternoon so her mum could get a break.  (It ends up being a break for me too, as the girls play so nicely I barely see them.)  A-M had Sausage for a few hours the following day.  Both times I was able to get loads done on a sermon I was writing.
  • I managed to get 3 sets of summer pyjamas for Sausage for $4 each.  I couldn’t find any in Chip’s size but I will keep a look-out.  I buy for the following year at the end-of-season sales and save big.  Even though I am not buying a single item of clothing for anyone THIS year (none of us need a thing!), I am still practising the frugal habit of buying ahead for next year.  I save huge amounts of money doing this (along with buying ahead second-hand, accepting hand-me-downs and going to clothes swaps).

 

This week has left me feeling rather a sham at frugality!  But I guess I am grateful that we have the money to go on impromptu trips.  Next week will definitely involve belt-tightening and getting back to basics.

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Dollar Diet: Week 2, a frugal birthday party

This post is late as last week ended in a flurry of birthday party, broken arms, sermon writing, special visitors and planning a spur-of-the-moment trip.

The week was mostly spent hanging out with friends, and D went back to work.  One of my best friends A-M recently moved to Whanganui with her family so we’ve had loads of fun spending time with them.  Our kids are close in age, and our four-year old’s are particularly firm friends (most of the time).  Oh, did I mention that Sausage turned four????  Before I get on to the party details, here are some of our frugal happenings:

  • D took lunch to work
  • I packed lunch and snacks for the kids and I, if out and about
  • The kids and I did free stuff, like play dates and parks
  • We used up our leftovers
  • I hung out at home with my BFF, R who helped me prepare for the birthday party, and survived it.
  • R, A-M and I had an extremely rare night out with just the three of us.  We worked out it was 16 years since the three of us had been together like this.  We had a great time, and kept the cost down by going out for drinks and a snack after dinner.

Er, I can’t think of anything else because my mind was frazzled by Chip ‘breaking’ his arm.  He was mucking around on our trampoline with D and then lots of crying and ow’s ensued.  They weren’t sure if the arm was broken (he hurt the elbow area) but they strapped it up and Chip was back to his frenetic self in a couple of days.  He was very proud of his sling and displayed it to all with a loud ‘I got hurt!’  We took him back this week and it turned out not to be broken, so phew.  I am incredibly grateful for the free health care children receive in New Zealand.

Birthday party time!

4th-birthday-2

My beautiful Sausage is now four.  She is most definitely in pre-schooler territory.  She’s long and lanky, and is a funny, confident, easy-going kid who you can actually reason and negotiate with.

As her birthday is in January (summertime in NZ) I have her birthday party at home and let the kids rampage around our massive back yard.  I try to keep it small and simple, but she’s still at the age where parents and siblings come along too, so it always ends up being bigger than I think.

I’ve whinged about it already, but our summer sucks.  It’s been the worst one I can recall, and naturally it rained on Sausage’s birthday forcing us indoors.  Still, we had a lovely time and I spent a whopping $40 on the whole soiree, which includes party food and drink, the birthday cake, decorations and prizes.

As is often the custom in New Zealand, some friends and family offered to bring a plate of food, so that saved quite a bit of money (and prep time).  R and I made a vege and hummus platter, popcorn, egg and ham sandwiches, cheerios and sausage rolls (requested by the birthday girl).  The food from other people meant there was more than enough to go around.  Drink was juice leftover from Christmas (we don’t normally drink it) which I dilute with soda water.  Kids love it.

I saved money by making the cake myself.  I talked Sausage into having this easy cake.  I had my BFF here the night before Sausage’s birthday which is usually when I’d make the cake.  I wanted to maximise my time with R, so I opted for easy, easy, easy.  I made the cake her favourite colour (pink), and put a big 4 on top using sprinkles.  She loved it and everyone said it was delicious (I don’t eat sugar, so I don’t know!).4th-birthday

Professional cakes can cost upwards from $100 dollars.  I consider it a waste of money to buy a cake, when my child loves the cakes I make just fine.  It makes my wallet cringe when I see the elaborate cakes people seem to be buying these days.  I bought $6 worth of sprinkles (most of which weren’t needed in the end, so hit me up if you want some) but otherwise we had all the ingredients in our pantry already.

Sausage also requested ‘Tunip cupcakes’.  For months leading up to her birthday.  Tunip is her favourite character from the show ‘The Ocotonauts’.  Tunip looks like this:

tunip_prof

Not overly complicated I guess, but would certainly require lots of different colours for the icing.  I knew I would have little time and limited fondant colours so I did the next best thing.  I found some free Octonaut cupcake toppers on Pinterest, and iced the cupcakes blue.  They were just as popular as the birthday cake, and Sausage was thrilled with them.  I didn’t get any decent pics I’m afraid.

Decorations were limited to some balloons given to Sausage, streamers we bought in the Netherlands that we put up for parties, and a couple of purple tissue balls ($4) which will likewise be used again.  I don’t do themes, and won’t unless my tot asks for it.

For the first time ever for a birthday party, I bought disposable plates and cups.  I hate these things, but there were several wee ones present and we don’t have enough kid-friendly crockery to go around.  I bought recyclable things, including paper straws.  Someone had given Sausage the party whistles previously, and I managed to get matching stuff.  We have some left over, so expect to see them next year too!

party

We played two games – Pass the parcel, and pin the carrot on Olaf – and I purchased the prizes for peanuts.  One prize was a tin Star Wars lunchbox, and another was a decorate-your-own-mask set.  Simple.  My mother made some beautiful gift boxes for each child to take home, and these were extremely well-received.

Sausage was given some amazing gifts, some of which (like a make your own wand set, so cool!) I have purloined to bring out on a rainy day.

I learned two things:

  1. Outside parties are so much better for my floors which looked like a cake bomb had exploded on them and,
  2. You can never rely on old Mother Nature.
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Dollar Diet 2017

Oh Dollar Diet, I never really left you, but it’s so good to be blogging about you again!

For my newer readers, I first embarked on a Dollar Diet back in 2015.  I had already changed a lot of my spendthrift ways, and look back on those days with some shame and embarrassment at the money I wasted.  Despite getting more financially literate, D and I seemed unable to save much despite a good income.  We needed to plug the holes in our budget.

The Dollar Diet is simple.  Buy what you NEED.  Think long and hard before buying what you WANT.  Is it necessary?  Can you do without it?  Can you borrow it instead?  Save up for it?  Even NEEDS can be slimmed down by growing your own fruit and veg, or bartering and borrowing when possible.

My 2017 list of needs is much the same as it was in 2015:

  • Groceries (since beginning the Dollar Diet I hardly ever go over budget!)
  • Electricity, firewood
  • Internet/phone
  • Netflix (How else can we watch Designated Survivor or Travelers?  I’m addicted.)
  • Insurances
  • Petrol, vehicle maintenance
  • Rates
  • Tithing, sponsor children, church activities
  • University money for kids (we put $10 a week into their accounts)
  • Doctor’s visits & prescriptions, dentist visits
  • Kindy and playgroup fees
  • Gifts (making what I possibly can myself)
  • Haircuts (we both only get our hair cut 2 or 3 times a year)
  • Moisturizer, foundation, bug spray (mozzies LOVE me), undies – A
  • Theology papers, Toastmasters, a few invention gizmos – D
  • Rubbish & recycling collection
  • House maintenance (2017 EDIT: I will be mowing our huge garden myself this year.  Our new mower will pay for itself in a year)
  • Chicken feed
  • Shoes and underwear for the children, and a raincoat for Chip (he refuses to wear this AWESOME fire chief one I found secondhand…)
  • Holidays (free or low-cost accommodation where possible)
  • Sausage’s hospital appointment (she is still being treated for a club foot, which means 1 trip to Wellington a year)
  • A fun budget: to fund the odd meal out/takeaway/family outing
* Rent/Mortgage is not on the list as we own our home freehold.

My list of needs will doubtless look different to yours.  For D and I, holidays are vital to our sanity.  We have a family holiday coming up in February that we have been saving towards for a couple of years, and I cannot wait!  Some might see kindy and playgroups as a want, but for my sanity they are on my needs list.  Both my children are extroverts, and are much, much happier when they are busy, challenged and socialising with other kids.

It’s the things that aren’t on the list that save you money.  No buying lunch everyday.  No takeaway coffees each morning.  No splurging $300 on a pair of shoes that are almost the same as the pair you already own.  No mindless following of ‘fashion’.  No buying takeaways just because you don’t feel like cooking.  Getting rid of magazine subscriptions, gym subscriptions, any subscription that you don’t honestly use.  No buying books (that’s why libraries were invented)or pretty tchotchkes for your home.  No greeting cards and wrapping paper.  No lavish gifts.  No recipes requiring pricey ingredients.  No expensive holidays.  No meeting up with friends for brunch at an expensive cafe.  No costly plays, concerts, exhibitions. No extravagant hobbies (unless it makes you money or saves your sanity).

The fun and the challenge comes from trying to find free or frugal alternatives to keep living the good life.  Instead of going out for brunch, host a pancake breakfast for your friends.  Take up running instead of going to a gym.  Pack your own lunch and your coffee for work.  Have a meal or two in the freezer for the nights when you are too tired to cook.  You get the picture.

I must advise that the biggest learning I have had from the Dollar Diet is the importance of having a fun budget.  Skimping and saving can get relentlessly grim without a few bright spots to look forward to.  These things don’t have to be extravagant, but small treats that feed your soul most definitely have a place in the Dollar Diet.

Our savings goals are pretty simple: have a good cushion for 2018, when D changes vocation and our income takes a nose-dive.  And enough money for a wee holiday or two.

 

What are your savings goals this year?