the skinflint philosopher

Thrifting your way to a better life

Beans, Death and Taxes

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Seeing as Tiddler is temporarily snoring away in the Land of Nod, the Skinflint philosopher has just been (not quite but still feeling a bit smug) ultra-efficient and finally got my tax return sorted, a week before the due date. Living as we do on this little rock, I’m not too worried by cutting it so fine, as can confidently breeze by Government House to drop the paperwork off later in the week when popping into town. I’m really searching hard here to find a joy in taxes somewhere, but at least small scale countries and having the bean-counters sort of on your doorstep might be one of them? Anyway, I’m not expecting too big a hit this year thankfully, as earnings as still down as a result of maternity leave and then going back to work part time.

It has got me thinking again though, about the ebbing and flowing of our monies. I blogged at the end of August see blog post here that I was going to try and keep track of my food spending for a month, just to see if I was being a good Thrifter really or was I falsely blowing my own trumpet. The target was that given that the average family of four in the UK spends £81.40 on their groceries per week, we three (Thrifter, Digger and Tiddler) had to definitely hit lower than that. So I started keeping hold of receipts, and chose to forgo my lunchtime coffee at work (I’m not sure the princely sum of 60p per day for a vending machine latte is going to make me a millionaire one day but I felt inspired, and dutifully took in teabags from home instead). Then I started keeping track of all my spending for the month up till today, which worked out at…

Food spending for the month £187
Food spending out (coffee and cakes, a lunch out with Tiddler) £13.40
Entrance fees for Tiddler activities £11.50
Health club membership one month trial to take Tiddler swimming 3 times per week  £29.50
My new watch- see post here and so no cost to me!
Tiddler’s birthday party £56
Stamps and postage £13.30
Pharmacy supplies/ nappies £13.85
Diesel £76
Mobile phone credit £5
Birthday presents for friends £38
Rent £750 and childcare £296, both costs split between Digger and I
Wifi £12
Water, electric, gas- unknown for the months usage

and that’s it out of my wallet, though Digger will have had some of his own expenses too. I’m quite pleased with proving myself right. We supplemented our food with the following- tomatoes, rhubarb and courgettes from our garden, green beans and red cabbage from a neighbour, and Digger went scrumping and came home with two bowls of beautiful Victoria plums. Thrifter and Tiddler picked blackberries, although Tiddler fed herself more than actually ended up in the freezer. We are still eating the honey and drinking the rakia that were gifts from Digger’s parents. I don’t feel that we are in anyway denying ourselves sustenance- in actual fact Digger has been complaining recently that I serve him giant sized portions and that his belt is getting too tight.
We choose I suppose, to not buy (food or otherwise) that we don’t need. Tiddler and I both had birthdays this month so we were gifted new things, rather than going out to buy ourselves. Are Digger and I simply not very materialistic, that we don’t need things,  or is it all about the satisfaction in putting that spare, not-spent money away at the end of each month, knowing it is going to be part of the skinflint masterplan?

Look after the pennies, and the pounds will look after themselves said my mother. I say, count your beans, and eventually you’ll have enough to plant a whole beanfield.

beanfield02-S.jpg

 

 

 

 

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Author: Theskinflintphilosopher

Call me thrifty, prudent, tight or even a miser, but squirreling money away is definitely my thing. The ins and outs of how saving money became a lifestyle, in order to work towards a specific lifestyle change. Follow me on that journey and learn to look at life in a different way.

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