The Royal British Legion website link
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The Royal British Legion
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Canal and River Trust
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Mary Ann Evans
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Saturday, October 23, 2021
Friday, October 22, 2021
Tuesday, 1 January 2019 Happy 2019 Budget
Tuesday, 1 January 2019
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
"when it's not Lemons?"
Monday, 14 January 2019
“When it is not Lemons?”
People say “we are what we eat.” but how can this be “when it is not lemons?”
One of the things that I started to do last year was reading the packaging of what I buy, this
made me look at where I buy things from and how much I spend.
For my main shopping I have been using Tesco's on line and have signed up to a fixed
monthly delivery service that means that I can have a delivery 3 days per week every month
providing I spend £40.00 per delivery.
This year I will shop around and see if I can cut my spending and only buy “lemons” and
not be Sold a “LEMON.”
So last year I started looking at items and tried to STOP but any thing with Palm Oil in, MSG and Artificial Sweeteners.
I am all for sugar and do not feel comfortable with eating a Chemistry set every meal so the
more basic the ingrediency the better. (personal chose)
So back to the Lemons, I hate it when something claims to have Lemons in but then it says
on the packaging, lemon flavouring, lemon essence.
I can not stand in the super market all day reading packaging so I do it at home when the
boys are a sleep. I also look at who things are packaged to try and reduce the amount of
products that I buy that have load of packaging that they do not need.
This year I aim to cook more at hoe form fresh so in January 2019 I will do my first shop of
the year and by December 2019 I aim to reduce the amount of LEMONS I buy, sugar, Palm
oil, MSG Artificial Sugar and packaging I use.
So the amount I will be spend on my January Shop is…
Thursday, October 21, 2021
Friday, October 15, 2021
Monday, October 11, 2021
Sunday, October 10, 2021
Saturday, October 9, 2021
October 2021 Nest Egg Ideas, should I have for the future?
October 2021 Nest Egg Ideas, should I have for the future?
You can not go a day without hearing something about saving and investments.
Most of the time adverts are about death and life after death, for your family and loved ones.
They are about planning for your referment and also your funeral.
For me personal may saving and investment adverts never seam to be about the now.
When Covid 19 hit everyone was effect in one way or another.
In many ways those with saving and investments that could not be easy accessed or liquidated into cash I believe struggled the most.
It was these people who may have had to have made the decision about keeping their savings and investments and not looking at claiming government aid or seeing if they could "cash out" so they could.
This was due to the basic rule that if you had savings/investments over £6,000 you could not claim benefits from the government during lock down.
What a believe is that a lot of people forget about the now!
Yes in the past I did look at the future, I looked a ISA's, Help to buy my first home property schemes, yet they all seamed to have a lot of red tape wrapped around them.
So for me they where like the perfect Christmas gift, but it was like playing the "Chocolate game to get it"
Now the chocolate game for those who do not know what it is is this.
You have a block of chocolate wrapped up on a table.
To get to it you need to roll a six on a die.
You them need to put on a hat
Put on a scarf
Put on a pair of gloves
You them must run/walk over to the table that is about 3 feet away froj you.
You then must use the knife and folk to open the warped up chocolate with.
In the mean time everyone else's who is playing the game, can take it in turns to roll a six on the die too.
If they roll a six you must hand over every thing to them so that they can try to open the chocolate , you have to go back and start all over again.
Once the cholate is opened you are only allowed to eat one piece at a time, in full.
I have played this game may times ion my childhood, the winner is the one who gets to eat the last piece of chocolate and they won a full bar.
So in many ways it paid to not get a six and to let everyone else do all of the hard work for you.
Another game was a flour hill with a chocolate on top. For this one you had to make sure that the chocolate ever fell, if it did you have to eat it. So a bit like life, being a house of cards so to speak.
So one thing that I posted "gear change." was making sure that before anything else's that maybe you look at your budget first.
I try to do this once a month, and then if you have time look at how to save money, cut bill costs, spending costs and then maybe savings and investments.
One website that I do use and have found to be helpful is I have listed below along with some others.
Good luck.
Friday, October 8, 2021
Thursday, October 7, 2021
8th October 2021 Thank you
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