Wednesday, June 23, 2021

Insourcing and Budgeting....DIY wins Every. Single. Time.

I know that you know that I've been banging on about this topic since...well...forever. DIY may as well be my middle name. It's a peculiar passion, that even now, when I don't NEED to DIY, I still find I WANT to.

I'm also fascinated by the societal changes, that worship buying ready made everything, whilst also bemoaning being locked out of the housing market due to rising prices. Amongst other things.

When we were kids, we actually felt sorry for the kids who only had 'bought stuff'. Everything we had, from cupcakes in our lunchboxes, to hand embroidered, pure wool, satin lined Winter coats, was made-from-scratch. 

Where did that mentality, that level of skill, go to?

Me? I couldn't make a hand embroidered, satin lined Winter coat to save myself. But my Nanna could. 

She could also behead a fowl, pluck it, remove it's innards, and have it in the dinner pot, before you could say Chicken Soup. Apologies for that visual. I couldn't do that either.


I can make a dang mean vegetable flan, complete with made-from-scratch gluten free pastry. When I say made from scratch, I mean I made the home made Bisquick multi-purpose baking mix on one day, and turned it into pastry on another. I'm not completely immune to time saving tactics. 

Waffles. We craved them. I made them. Gluten free of course. Courtesy of the same Bisquick stuff.

And when you decide that you love a good statement necklace as well as those cute brooches, what else is there to do, but buy a couple and upcycle those into something uniquely 'self'.

Of course, the Daughter continues to need the occasional bulk cook-up, and not wishing to have rusty skills in this area, Mother provides.

Another necklance, meanwhile. This one is indicative of the next stage of my life.

And in the midst of it all, there's always cupcake decorating with the granddaughters. A special pleasure, always. Why would we pay for entertainment, when it can be had for free at home?

Custom statement necklaces can be up to $300 each on Etsy. Mine were $50 each, plus vintage beads at around $10. Three necklaces at $900 all up, mine, $160. 
Savings $740.

Ready made meals...two weeks worth. Around $350. Cost to me...around $25. 
Savings $325.

Those gluten free waffles are $14 for a pack of 4 at the local posh deli. I make a dozen at a time for about -75c. That's a saving of $41.25 on waffles for petes sake!

Time with the granddaughters...well I dare not put a price tag on that. If they really wanted an outing, we'd have one and not think twice. But they look forward to just hanging round the place.

Savings of $1131.25 this week on equivalent bought items.

DIY wins. Every. Single. Time.

Tell me about your DIY in the home. I'd love  to hear!


Monday, March 15, 2021

Keeping spirits up....

We are facing some challenges here. I know many of you are too.

Ours are not Pandemic related, thank goodness, although, that too can change in an instant.

A family member has had a health scare, and some surgical intervention has been required. This person of course, like so many, believed themselves fit and well up until last Thursday. Even supernaturally so. That all changed with a routine blood test and a phone call.

Now I've been the support person more than once in this sort of scenario. I am familiar with the Stages of Grief and how they are not just connected to the passing of a loved one.

But even the support person needs a little something to lift ones spirits on a day-to-day basis, right? 

My acrylic brooch collection does this for me. 

Dare I say, without fear of contradiction, that some days, my brooches are my reason for dressing well, and sailing out the door with a smile instead of a scowl.

Oh...and necklaces. Oversized and quirky statement necklaces. A new love, recently embraced with enthusiasm.

I love how a change of accessories can completely change the look of a simple shirt.

Some of my collection are cute, fun and quirky, and some are more timeless...

As Dory says in Finding Nemo, sometimes they remind me to Just Keep Swimming...

What keeps your spirits up?


Thursday, February 25, 2021

Budgeting and Insourcing...Plan ahead for everything....

Here's a topic that some of you might think dull, but for those of us who love Insourcing, it's a fabulous kind of game. Like a Scavenger Hunt of a sort.

Believe it or not, Insourcing won me a competition that allowed me to purchase my dream oven. Thankyou to those who participated in that event. I remain eternally grateful for your support. And all I really did was make a posh salad! So there's gain to be had on many levels!

Planning ahead

Planning ahead is part of life here.

We plan ahead for next seasons clothing needs, for birthdays, for Christmas, for Easter, for holidays for staycations, where you stay at home and entertain yourself and the family with planned activities, instead of going away. 

Husband built this fire pit a couple of Winters ago. That made a Staycation in the middle of the cooler months, pretty attractive!

Planning ahead means you can put what little money you have, into snapping up bargains or buying fabric from the remnants bin, or buying a sewing machine or overlocker or a robot vacuum cleaner, or setting it aside for something worthwhile, rather than frittering it away on random purchases that do little to enhance your life in the longer term. 

We renovated an old van for daughter to have her own mini-vacations, using only what we had on hand, and a few remnants from the discount bins at the local haberdashery. It turned out pretty well we thought!

And don't just look ahead one year. Try to see 5, 10, 20 years ahead. This helps keep things in perspective. That pair of shoes, or jeans or bag or coffee will mean nothing in 5 years. That money on your mortgage or into superannuation or just into the bank for a rainy day, could have the power to have a significant impact on your life.

Let's all just get on with what needs to be done. It's what our Mums and Dads did, it's what their Mums and Dads did, it's just what has to happen.

On the Home Front

One thing that I did this morning to plan ahead, was make up a huge batch of home made laundry detergent. This sounds mundane, but has the potential to save us literally a couple of hundred dollars over the next few months.

I use the one in Rhonda Hertzels book that's also on her Down to Earth website. This is my doubled up recipe for a huge batch.

One box of Lux flakes (8 cups) I have sometimes grated Sunlight soap, as its cheaper again. But the Lux flakes are particularly nice, and have a soft, comforting scent.

1 1/2 tubs Borax (4 cups)

1 packet Lectric Soda (4 cups)

Mix together well and store in a large container. I use a Hurricane lantern with a little scoop in it, that's actually a tea bag holder I got at the thrift store. It just makes doing the washing feel nicer. And the Lux flakes make the linen smell gorgeous.

This costs about $14 and at one heaped tablespoon per wash, will give me about 180 loads of washing. The other great thing about it is, I don't need fabric softener to scent or soften our laundry (another saving), and it's the only thing that doesn't give the family eczema (a further saving on creams, lotions and potions to relieve the eczema). So sometimes you have to look at where other savings might occur due to making your own. The up front cost might be the same, but other costs might be significantly reduced by using home made.

Making a house a home

I'm not an investment adviser by any stretch of the imagination. All I can tell you is that we've never bought a new home. We've always bought the house (some might say the fixer upper, or 'the dump') that no-one else wanted in suburbs that weren't yet trendy, renovated and landscaped slowly and gradually, doing almost everything ourselves from patching and painting to building kitchens to polishing floors by hand to pouring concrete, then sold for a profit and done the same thing again. 

This was sometimes a three year, but often a 7-10 year project. During that time we would live in the house, without floor coverings, without a kitchen or bathroom or other creature comforts for weeks or months. We managed. Lots of people used to do this but it's not so common any more from what I understand despite the plethora of DIY television shows and YouTube videos.

When we couldn't afford new, we bought second hand and made do. Husband built things, I painted and patched them. We made thrifting an art form in many respects. There are literally dozens of posts here on my blog about our upcycling efforts.

It can be daunting if it's not in your DNA that's for sure. Buying cheap and new often seems the simplest solution. All I can suggest is that you need to be flexible in what you think you can do, and where you think you can live. We kept an open mind and often lived in or invested in areas that made our friends think we'd gone mad, but guess who's laughing now.

The Rewards

We didn't get to where we are in our 60's by living the way many people do now. And it has nothing to do with technology or the absence thereof. It's just a different mindset. You can be frugal when you're young in order to live comfortably later in life, but most don't see that far ahead.

Do cost of living expenses nowadays make a difference? Well almost certainly, yes. But it's all proportional in the end. Your mortgage should still be no more than 30% of your income, savings should be 10%, the rest is negotiable according to your situation.

Adopting this mindset can mean that you're out of step with popular opinion. But if you do, it means that you can weather tough times in your life and not crumble in a heap, because you've practiced making the best of a less than desirable situation, whether it's illness, financial troubles, relationship challenges or job losses.

For my part, I practiced that mindset. From trying every alternative therapy on the planet when my gorgeous little son was diagnosed with Cerebral Palsy, to hand painting my terminally ill Mothers casket for her funeral as a last loving gesture to her, I've always remained determined to maintain a feeling of purpose in my life, even when placed in sad situations that were completely beyond my control. This actually GAVE me a sense of control, where none existed. I think thats kept me sane. It can do the same for you.

Tell me about your planning. What creates financial freedom and a feeling of being in control for you?


Monday, February 22, 2021

Budgeting and Insourcing...using the Toastie maker for baking

Here's the answer to the age old (or maybe quite recent) question, can I bake in my Toastie/Jaffle maker.

This question arose to me because a good online friend was constantly showcasing her goodies, all conjured in the pie maker.

I don't have one. I didn't want one. Too much clutter in the cupboards.

Then I realised, I have this...

We here in Australia call it a Jaffle maker. It's also known as a Toastie maker. About $8 from the KMarts and Big W's of the world.

I started off by trying to make an impossible quiche. I got the proportions of flour wrong and ate them as omelettes for breakfast instead. They were goooood! Yes I know. I could have cooked them in the frypan. But it's HOT here, and the frypan is HEAVY, and this is so EASY.

Buoyed by that experiment, I moved on to trying my Banana Bread recipe. In went the mixture, I closed the thing, and....

...Look! Light. Fluffy. Moist. Delicious. And my kitchen stayed cool! Very important when the temperature is 32C at 8:00am!

Here's the mixture I used. This is half of my usual quantity of mixture which bakes into one loaf of banana bread, and is usually gobbled in 8 generous serves by my Husband.

This amount of mixture made 12 fluffy little pillows of banana bread and just as delicious as ever!

The mixture:
Makes 12
Two large mashed bananas
One heaped tablespoon yoghurt (I used coconut yoghurt)
1/2 cup of sugar (I’ll only use a quarter next time)
One egg beaten
1 teaspoon vanilla
1/2 teaspoon baking soda (not baking powder)
Pinch of salt
1/4 cup of desiccated coconut 
3/4 of a cup of plain flour(I use gluten-free of course)
Heat up the Jaffle maker.
With a fork mix the ingredients into the mashed banana one at a time, adding flour last.
Fill jaffle maker hollows, without overfilling. Close jaffle maker, and cook for eight minutes. Lift out carefully with tongs or a fork, and dust with icing sugar if you wish.

Absolutely delicious and so light and fluffy!

I'm making pasties using gluten free puff pastry next.

Stay tuned!

What other appliances serve dual purpose at your place?