Friday, 5 January 2018

Frugal vs Time & Money


Welcome to my new follower Donna.





Why are people frugal?

People are frugal so they can live within their means, many are on a limited or fixed income and being "frugal" and "thrifty" helps them to stay afloat with the bills and expenses of every day living, and also cutting back on certain areas can allow a little extra for hobbies, little luxuries , holidays etc.

have always thought of myself as being very resourceful, frugal & thrifty.

But if you have a major purchase or a goal, if you are on a low/fixed income the only thing to do is try and earn a bit more money.

I have to start managing my time better. 

Time is money. 





There are some things it's just not worth the bother with anymore, I am better off putting my time and effort into "making a little extra".

So when the cupboard in the spare room is full of things waiting to be sold, I need to be getting on with that rather than spending time for example baking bread, like I did yesterday.




It was very nice though, but I could just walk a few minutes up the road and pick up a reduced loaf for 20/30p, you see where I'm coming from don't you. I shall use the rest of the bread flour first then continue to buy it cheaply.

Another thing I have done on and off over the years is make cards and gift tags, well we don't actually send that many cards and I have made plenty to keep us going for a while and the last odd few card making items have already gone to the charity shop, and I can purchase nice cards from the car boot for very little.

Jams and preserves are another example, unless I am given free fruit, it's just not worth it.

The list just goes on and on.




Just because I am stopping certain things this doesn't mean I will jump of the frugal bandwagon, I am just stating that some things don't work for me at the moment as my energy is put to better use earning.

We will continue to be frugal with the outgoings, monitoring gas, electric, water usage, grocery spends etc and keeping the bills as low as they can be. 

Very little has been spent the last few days only some milk and a few reduced items.


Last nights tea, was some cheap sausages from the freezer and some cheap veggies, and it made a lovely slow cooker supper.


Some pigs in blankets for 30p a pack for another frugal supper.



A little couponing has been done.



Free peaches.



Whilst buying the milk a few other bargain items were purchased.

Greek yogurt for 20p and 6 pots of rice for 40p





Very interested to hear your thoughts and ideas on frugal vs time & money.












39 comments:

  1. I agree with you that some things are time costly, making bread is high on the list, and are not necessarily frugal. I use a bread maker so time is not material, my flour is from Lidl and is very reasonable BUT I could buy Yellow sticker cheaper. I have done and still do on the odd occasion but I prefer my own. I make jams and preserves, again I either use fruit from the garden or yellow sticker. It is time costly and makes spectacularly sticky washing up, but I prefer it to even the most expensive bought jam. It all has to be taken on balance, I once bought cases of cheap jam to get the jars. It was the most cost effective way.

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    1. Nothing wrong with doing what you Pam, but I still have chance to earn so this has to be more important for me at the moment. But it's also about a good balance I think.

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  2. Another really good post.

    It really is trial and error to find out what works and doesn't work when to comes to managing time and money. Over the years we have tried all manner of things - even shopping we've tried weekly, monthly, online, in store etc. Against all traditional frugal advice what works for us is going multiple times per week.

    I'm not a maker of jam etc, we just don't eat enough of it to make it worthwhile, but Dan finds breadmaking relaxing so we mainly have homemade bread. We got rid of our freezer and it's been a real eye opener, I loved my freezer before, it's always worth reassessing things from time to time. I love hearing about how we all differ in this regard.

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    1. Thankyou.
      Yes it is trial and error, what works for some doesn't work for others, you are right its what works for you best, I couldn't go back to monthly shopping and online doesn't do it for me, I like to see what I am buying and also I would miss out on the yellow stickers.
      I am looking forward to hearing all the views on this subject, and yes I agree it is good to regularly reassess our own personal situations.

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  3. I am sure I could probably get cheaper bread but we do like the taste of what I make better. The jams and preserves probably don't save me money either but again we prefer the taste, although I do try to buy reduced items for this or cheap and seasonal. I also enjoy making them now that we have retired it fills my days. It is certainly trial and error and what suits circumstances at the time.

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    1. Yes I do agree I also prefer homemade, as you say when you are retired keeping busy fills the days, but I am not fully retired yet so I just want to focus on money making more in the next year or two.

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  4. Some very interesting points Marlene. I don't think there is one solution for everyone as I think it's about finding what suits your current situation. It also depends what your priorities are.
    I'm also a tiny bit thrilled that I managed to get the pack of veggies like you did for just 10p! Possibly the only decent yellow sticker find I've ever managed. :-) X

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    1. Hi Jules, you have hit the nail right on the head there it is all about what suits your current situation and priorities, well done on your yellow sticker veggies, I find it so satisfying when I get a bargain, long may your luck continue. xx

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  5. You are so right, Marlene, time is money and especially so when you are saving hard, as you are doing. Keep up the good work.
    I have some pigs in blankets in the freezer - you have reminded me; I must cook the little blighters!
    Margaret P

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    1. Thankyou for your encouraging words Margaret, I thought the pigs in blanket would make a nice meal with some buttery mash and vegetables.

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  6. Time really factors into the things that I do and how much I can do. I make little gifts for birthdays and xmas because I have some crafting skills now and time during the year to make them. I grow some of our own veg because I have time to tend the garden. I don't bake bread though because every loaf I've ever made turns out like a brick. I need to remedy that but I will have to find the time (and someone experienced to pass on their skills) to do it. Your loaf of bread looks pretty good to me! Meg:)

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    1. My homemade bread is delicious.
      I will get back to doing different things as and when I get more time, but I have other priorities at the moment.

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  7. I think it's horses for courses. I like making things from scratch because I know what has gone into it, that includes jams and relish etc. I do get a fair bit of free fruit too. Gardening keeps me fit and I can get a lot for a small investment. I would love to make my own bread and if I could pick up a cheap breadmaker I probably would do.i have an income I'm happy with and frugality stops me wasting things. Ibenjoy the game if getting something cheaper or even nothing!

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    1. I understand what you are saying, but what I mean is I am not going to spend over a hour or so saying making jam, when I could be earning a bit more, but this doesn't mean I am going to stop spending wisely, I will always be frugal in that way.

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  8. I agree with you, time is money. We all have to consider our own situations and see what works best for us.
    One reason I prefer making bread and jam at home is I know exactly what I put in them. Gluten free bread is expensive here, so making it at home is cheaper though I haven't found the ideal recipe yet. Your bread looks so delicious. It made me want to bake a loaf. :)

    I also pay monthly to mow the yard. If I bought a lawnmower I could do it and probably save some money, but I don't have the time or inclination to do so.

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    1. I am glad you understand what I mean Nil, it is what works for each of us best.

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  9. When bread goes on sale I stock up, but that is not a common happening here. I make jams because I have a few fruit trees and make relishes and pickles because we usually (not this past year) have an abundance of veggies.

    However my time is worth something and while bread is baking I will be doing something else. Perhaps sewing an article of clothing, knitting something or even getting something else ready to go in the oven. I don't travel to every grocery store in our small city. If I am near one I will go in and check it out, but fuel and time are worth a great deal to me.

    God bless.

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    1. If I had some land and fruit trees and was not working at all I would make use of the crop, but at the moment I just need to focus on one certain thing, and when this has been achieved I can then relax more and do other things.

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  10. It's ironic, but when I was working I did make my own jams and marmalades, and grew quite a lot of my own veggies, but since I've retired ...... I've actually sold all my jam making stuff, ditto the gardening. Now I'm at home I eat differently (no jams, realised I was making them to give them away at work!), and I now I have time to walk to local shops (Tesco, Sainsburys, Co-op all within easy walking distance), I can pick up yellow stickered veggies cheaper than I can grow them. Spent most of last summer sitting in garden reading and drinking iced water, works for me.

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    1. That sounds like a very good thing to me, making time for yourself.

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  11. Makes sense - I can earn more in a days overtime than I could save by making bread, jam, cards etc. My biggest aim is to reduce the things I buy - mainly because we do not need more stuff and I seek to live a simple minimalistic lifestyle - in doing this money is automatically saved.
    Having said that I would like more time to grow my own and make jam and crafts but I struggle whilst working to find that time.
    I have not commented here before (I don't think) but I like your blog and ideas so will be following along in furture.

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    1. Thankyou for stopping by, and how lovely we are on the same wavelength. I shall be taking a look at your blog and starting from the beginning, blogs are such a good way off sharing tips and ideas and of course making new friends on the way.

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  12. You're right, there are things that would be considered frugal but just aren't worth it. I think making biscuits come into that category. I have seen blogs in the past that market themselves as frugal but then talk about savings of £1,000 a month so that they can retire early. That is very different to having to be frugal in order to survive. Wherethejourneytakesme makes a good point about being able to earn more working overtime than she can save making bread etc, but for me, I simply don't want to work at all having done so for forty years. Unfortunately, thanks to the pension age changes, I have to, but I do as few hours as I can to earn the minimum I need.

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    1. Yes I have noticed that on certain blogs as well. I can understand how you feel with your work.

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    2. Thankyou Sadie, wishing you all a Happy New Year also, xxx

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  13. I don't know if I come under the heading of frugal as such. I don't bake bread anymore since my breadmaker broke, I don't make jams and chutneys as we eat very little of them, yellow stickers are very hard to come by in our local supermarkets and usually what there are I wouldn't buy normally so I see no sense in buying them because they are cheap....I am talking bagged salads, prepared fruit etc.
    What I do do is shop well and make the most of what I buy so that any meat I buy makes two or three meals rather than just one. I have also changed some of the brands I buy for cheaper options and found in most cases what I buy now is either as good as or better than the brands....Branston baked beans taste far nicer than Heinz and I can get six tins for £2.....the tomato ketchup I buy from Lidl again is much nicer than Heinz or any other we have tried and costs 49p a bottle.
    I think as long as you make the most of what you have and try not to waste anything then you're not going far wrong.
    Working on my time management too this year Marlene.
    Hugs-x-

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    1. You are making your money work and that's what its all about. I bought the Branston beans today, I prefer them. xx

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    2. Stretching meat is a good tip. I make mince (which I don't eat but husband does) go further by adding some lentils or pearl barley when making chilli, spag bol or shepherds pie. When feeding three, I rarely use three chicken breasts in a recipe. I use two and stretch it with chopped veg and sauce.

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    3. Yes it is, I always stretch the meat, and we have several meat free days a week also.

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  14. You are quite right, it's working out where it's best to save the money that suits each of us at any point in our lives. If you can earn more and pick up YS bargains it's much more cost effective to do that and not bake your own bread etc.

    I was about to go back to making my own bread this week and then scored all the YS bread on Sunday so it's homemade on the backburner for another week. Far better to use that bread up first and then start on my already purchased flour and yeast when it's gone.

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    1. Yes it is better for us to concentrate on the earning side of things now, which we are doing well from. Well done on your bread bargains.

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  15. I too have stopped baking bread because even the smallest loaf you can do in the bread machine goes dry for us , I don't mind it frozen but my hubby does not like it after its been in the freezer but shop bought is not as bad ,Its great if i can get reduced bread but if i cant i buy Morrison's sliced one wholemeal and one white as i like wholemeal and i get it out the night before we use it by a few slices it only costs us £1.20 per week so that's not to bad xxx

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  16. We have our eye on a house a short walk away from both Lidle and Aldi. If we manage to buy it we will get rid of our freezer. I will just buy what I need from Aldi and Lidle every few days and use the shops as a giant freezer. Shops are rarely closed for more than a few days. I keep a really well stocked kitchen and can easily live without a freezer.

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    1. How exciting for you I hope it works out well. I agree it is easy to live without a freezer, I could do the same now as the shops are so close, but I am doing it at the moment to save as much money as possible by filling it up with yellow stickers and batch cooking.

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  17. You get the best deals on your groceries! That bread looks delicious. I know what you mean about budgeting your time.

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    1. Thankyou Stephenie, I have turned into a good bargain hunter over the years.

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