Shop Around for Insurance!

I’ve written before about shopping around for insurance, and it’s that time of year for me again. There’s a part of me that hates it, well it is a bit of a chore. But the other part of me relishes the opportunity to save money! (Of course! Ha).

This year I couldn’t actually find any cheaper quotes for car insurance, but that didn’t stop me ringing up my current insurer and asking whether or not there would be any movement on my renewal price. I already knew their quote was £50 cheaper than anyone else, but they knocked a further £35 off! It just shows if you don’t ask, you don’t get!

So this is just a short post to encourage you to always ask for a better deal.

Upcycling a Child’s Table to Make a Board Game Table

We’re big board game fans in this house and we regularly have friends over for ‘Games Night’. We’re all feeling our age and finding it a bit hard going to sit on the floor for hours. Our dining room table is quite small, as there’s just the two of us normally and it gets used for food on these nights. So we’d been keeping an eye out in all the usual places for a suitable ‘games table’. My idea had been that we would acquire one of those retro card tables from the 1950s or earlier, which have a felt top and often fold out. However, as they’re mostly designed for Bridge – they tend to be quite small. All of the ones we saw were also in poor condition or had very high asking prices! We also looked in charity shops for some kind of gate leg table, but as minimalists – it would be a big decision to bring another large item of furniture into the house. They also require chairs and we really wanted something more like a coffee table height, so people could either remain in armchairs (or sit on the floor – more on an answer to that later).

I spotted this child’s play table in a charity shop locally and knew instantly it was a great find. I described it to my other half, but he was unconvinced (mostly because I’d shown him so many unsuitable items on eBay! lol) They were also asking £25 for it, which seemed quite steep to us. Still, he dutifully agreed to come and look at that weekend.Well guess what – the shop was closed! We then got tied up with well, life and totally forgot to go back until we were passing about a week later. Helpfully the table was still there and they’d reduced all furniture to half price, to try and clear some space in the shop. We expressed an interest in the table and asked if we would pull it out, to fully check the condition of it. The manager said we could have it for a tenner! (She obviously wanted rid of it).

It turns out that this little beauty is made of solid wood and retails for about £150 when new. You can also be lucky enough to pick up second-hand ones on eBay for around a tenner too, if you look at the right time. The legs come right off, so we can fold it down and tuck it out of sight, when not needed. The top was a little scratched and we didn’t love the green colour. So we decided to send it a little upmarket, with its own blue felt top which has the added advantage of stopping the board games from sliding all over the place. You can see in the photos above, that we are part way through our little renovation/ upcycling job. The felt cost under £3 from my local fabric shop and we already had the all purpose glue at home, from other craft projects.

My other half announced that some bean bag cushions would mean we could all sit comfortably, at the right height. You could easily pay £15-£25 each for these in the shops and I have an abundance of leftover material from other projects. So I picked out some that matched our lounge curtains, some heavyweight corduroy that I picked up in a charity shop for a song and another piece leftover from some bedroom curtains. I purchased 6 zips, at a cost of 64p each and 2 bags of beans at £6.50 each. Perhaps I will do a tutorial soon, but for now here is a picture of 2 of the cushions I have made. They take a couple of hours each, but the savings are evident.

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And lo, we are the proud owners of a custom games set-up, all for the princely sum of £20. Can’t be bad eh?

TK Maxx Zero Waste Finds!

I stop into TK Maxx every now and again; I like a good rummage. I have found all manner of Zero Waste items here. My top tip is to look here for Dr Bronner’s Castile soap – they frequently have both liquid and bar formats. If you’re on a budget, you will find them much cheaper than your local whole foods store. They also often have bar soaps either in tins or wrapped in paper, it just depends how picky about your ingredients you are.

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I recently wrote about how I found these WONDERFUL solid beeswax body lotions in TK Maxx. Actually, I’m gutted I’m about to come to the end of my supply and I haven’t seen them since. Post in the comments if you find any!

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This week I found a lovely scrubbing brush for doing the dishes, made from solid wood and natural bristles. I bought my e-cloths here, although I now realise they’re not as perfect a cleaning solution, as I once thought due to the plastic microfibres released when washing. But they were vastly cheaper than other places.

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I also have some great glass Pyrex dishes with lids, that can go straight from the freezer to the oven or microwave as they are thermal shock resistant. It also means I no longer freeze a lot of things in plastic.

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I also found this wonderful Pyrex baking sheet in TK Maxx. No nasty silicone coatings and best of all, it goes straight in the dishwasher and comes out looking like new! It is slightly heavier than your standard baking trays and you do need to take care putting it in, and out of the oven.

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I frequently see Kilner and other glass storage jars in here. They often have eco-makeup brushes too. They always seem to have cardboard boxes containing sets of essential oils, packaged in glass.

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They also frequently have glass water bottles and always have metal water bottles in stock. I have seen Klean Kanteen’s in here, really cheap! I got my metal one there for about £4, I think. I’ve had it for years and I will likely go back there to get a glass one eventually.

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Oh and I always get my TEK hairbrushes here, for about 1/4 of the RRP. These are solid wood brushes with either wooden or natural bristles. They are amazing and packaged only in cardboard!

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Do you have any great TK Maxx zero waste finds to share? Please share by posting in the comments 🙂 Other people have told me you can also buy bamboo socks here, in cardboard packaging and loofahs which are useful for cleaning your home and your body.

Things that have gone this week – 12 & 13

I’m late again in posting, as I have slowed down the pace of my decluttering. Partly due to the temperatures in excess of 30 degrees Celsius – it’s just too hot to do anything much!

I have managed to sell one item on eBay each week, both blouses. The only other thing that’s gone is a tonne of weeds from the garden! Hence my lack of blogging, I’ve been trying to get outside more and enjoy summer.

  1. Vintage Laura Ashley silk blouse
  2. M&S pink cotton blouse

Stay tuned, as I aim to be posting more!

The Truth About Mr Money Mustache and Other US Financial Independence Blogs

Continuing in my series examining the real truth of US financial independence blogs, today we’re going to scrutinise ‘Mr Money Mustache’. This one is a real eye-opener and I encourage you to stick with the numbers and ask yourself whether you’d really trust this guy’s advice.

The short version is this guy must be at least a millionaire, if not a multi-millionaire. Hardly surprising then that he retired by 30, chooses not to work and can play around all day doing whatever the hell he wants. What shocked me more is he spends in 1 year the average starting salary of a nurse or teacher, here in the UK and states this is less than 10% of his annual income. Therefore, he’s easily bringing home in excess of £200,000, presumably in interest from a considerably larger sum he has invested – like millions of pounds!!! Hence my question, would you really take financial advice from this guy? Anyone can be frugal, I don’t knock that as a lifestyle choice. But it’s easy to be frugal when you have so much money in the bank that you don’t need to bother insuring your house because you have enough money to cover it, probably 10x over and some!

I don’t know anyone earning £100,000, I don’t actually know anyone making more than about £35,000 per year. I’d rather take financial independence advice from someone who’s living in the real world, who’s working a real job and making their way. I hope that’s what I’m doing here. So let’s look at his expenses in more detail and in English:

  • Property taxes – £1,456.35
  • Groceries – £4,595.76
  • Wine/ Beer – £246.75
  • Eating Out – £388.87
  • Medical – £8354.23
  • Car and other transport – £376.66
  • Home Renovations – £1303.72
  • Gym – £115.30
  • Clothing – £478.02
  • Sports Equipment – £75.33
  • Random shopping (presumably household items) – £768.70
  • Books, Games & DVDs – £294.41
  • Other – £324.49
  • Travel – £1794.91
  • Donations – £1,537.87
  • TOTAL £22,111.37
  • Spending £1842.61 per month!

I find it really peculiar that this guy does not have to pay for water, gas, electricity, sewerage or any kind of insurance. Of course he doesn’t have a mortgage or rent, like normal people do because he’s a millionaire. He doesn’t seem to pay for telephone, internet, doesn’t have life insurance, or a pension. He doesn’t even seem to get his hair cut. Maybe millionaires do not have to pay for these other things either?

I really hope this helps you not to compare yourself to people like this, it’s not reality for 99.9% of the population of the world. His monthly expenses may not be wild, in-fact they’re only £500 more than we pay to keep our household running and we are pretty darn frugal. The difference is whereas he’s only spending 10% of his income, most of the rest of us are probably spending 90% of our income trying to pay for the basics of life. I’d consider anyone able to save 25-50% of their monthly pay, to be doing pretty well.

So, over to you- does this change your perception f some of these US bloggers claiming financial independence in their 30s?

Stop Paying For Data You Don’t Need!

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One of the ways I keep my mobile phone bill as small as possible is by physically turning off my data. Thanks to GiffGaff I’m already paying a minimal amount, but by physically turning my data off unless I specifically need to use it, I can stick to a £5 Goodybag each and every month. It only takes seconds and it saves me between £2.50 to £5 every, single month. That’s £30-£60 a year kept in my pocket. This is the perfect example of minimalism in practice – only using what you need and keeping things really, really simple.

On an iPhone, like mine – you simply need to go into settings and turn mobile data off. This stops your phone eating your data allowance if you’ve gone out of WiFi range. How many times has that happened to you when you’ve been watching a video or something else data heavy? Do you have any easy money-saving, minimalist tips like this?

I got rid of 15 pairs of shoes!

I don’t feel proud about that title, let me tell you. But I have continued my serious declutter. I am certain that I still own more than 15 further pairs of shoes and that number also needs to decrease. However, this is a MASSIVE step forwards for me and it’s truly been enlightening – look at all these shoes I had and there was absolutely no way I could use them all. Let’s just say that these 15 pairs that have gone are the ones that have had the least use, or even that I no longer wore at all. I don’t have pictures of them all, as I only started saving my images recently. Here is just a fraction:

I calculate that I have put £157.45 (gross figure) back in my pocket. Considering that only 2 of the pairs I had owned from brand new (and both of those were bought at around 70% off), I calculate that I am in profit despite my careless ownership. None of the other pairs cost more than £10 second-hand and most a lot less! However, that is not an excuse for me to go and buy more!

It might be optimistic, but I hope that I can one day get down to around 6 pairs of shoes. I’m envisaging:

  1. Knee high boots
  2. Ankle boots
  3. Trainers
  4. Sandals
  5. Work shoes
  6. Smart shoes

And really that would be more than enough! But I will admit that I have a slight weakness for shoes, probably more than anything else. Still, I can try.