It’s time to start removing some of the papers around here, I just picked up a file in the filing cabinet at random and it just had old flyers for school supplies for 2004. Now why did I keep them it’s time to move forward I think? I am still working on the very old print outs, as I do have quite of number of folders to go though. If they don’t make any sense then they are going, I don’t think I will ever finish this task any time soon.

When I bought the black leather handbag on Saturday for $2.00 value around $50.00 plus. It had some wear marks and a bit of white paint on it. Today I got out the Turp’s and clean off the paint and then using leather dye black painted the handbag so that I can now use it for a number year’s I hope. I clean up some old razors that I found in a box, I wonder if they are of any value to collectors. Now I am looking at what I got in my little boxes around the place.

Weekly Main Meal Menu

Sunday ~~ Chicken Schnitzel & Egg with Vegetables
Monday ~ Curried Sausages with Rice
Tuesday ~ Buttered Chicken with spiced rice
Wednesday ~ Lamb chop with mushrooms & Grilled Tomato
Thursday ~ Tuna Pasta with Salad
Friday ~~ Salmon Patties with Vegetables
Saturday ~ omelet with salad

No Spending Day

I got my washing done today; last time that I washed was before Christmas as it was fine here today.
It’s been raining since Boxing Day has stopped but could start again around Wednesday.

It’s now flooding in next shire and northern New South Wales. But we still didn’t get much in way of rain in our Dams yet again. Some rain but not enough to take it up even 1% higher.

I didn’t go shopping today nor buy anything out of the nine catalogues that came in the last few days.
Oh there were few things that I could have bought, but part of my strategy for this year frugal challenge is to look what I have got that can be used instead of buying. Some things will be bought but I hope not as much as the last few years. An example in 3 catalogues from Avon, now remember I did a tidy up of toilettes and make up cupboard, only things that are in short supply are were perfume body spray that was on special in next 2 campaigns but could use the perfume instead and normal roll on so I don’t need that. Next was microfiber gym towel in pink but I have one in navy and could use a microfiber cloth if need an extra towel or normal towel for that matter which I have plenty off. As for make up & face creams I will live with what I have got and that plenty enough to supply the whole street only problem is it past the use by date, but I can live with that. As long I don’t get a skin reaction to it will be fine.

As for the other catalogues that come are from those mail order houses this year I thinking they will just junk mail. Just removing parts with my name on them and recycling the paper. Letter box junk mail is read then recycled. I only keep the grocery ones most time until the next lot arrives then crosscheck them so any items that I need this little trick can save heaps as we don’t have coupons in this part of the world. $$$ Another Strategy

At the moment I am reviewing my wardrobes. So some clothes are going because the elastic are going, I know that I will not replace them and I have other clothes that I can use as my lifestyle has now changed as I am no longer in the workforce.

As I buy mainly second-hand clothes so I haven’t been culling often as why would you re-buy the same clothes in the same size again? So I did go through them to see what I wouldn’t again wear or wouldn’t fit now as I don’t worry about being in fashion. I also did the drawers and shelves in this exercise and found some items that I had forgotten that I had bought so putting them altogether in the right place; I will not need clothes, underwear or hosiery for the next year or so!
One example of lack of organization, I had been buy knee-hi hosiery thinking that I had run out of my stockpile but today, I found my stockpile in another cupboard. Enough for next two years, I would think seeing I still have heaps of in use ones as well when they were all put together.

But when I do throw things out its junk and it has lost value or I can replace for little cost.

I am more then half way through this task. I have already given away the clothes, shoes and handbags from this task that I have removed so far. It’s part of my 72 hours rule. I find that if I don’t do something within 72 hours it doesn’t get done. $$$ Another Strategy


It's a No spending day

Today I decide to de-clutter some of the papers & items that I have boxed in my dining room.

I have a wall that is behind the table that I have been putting plastic boxes against for a while now, last week I needed one for storage in another area instead of going out and buying another one.

It’s mostly paper that I collect for some reason at the time on my sideboard and when I get visitors it get put into these containers I’m not talking about small ones either 57 litres on rollers and stackable ones too!

So I have decided to cull these boxes big time, so my dining room table is full of items out of these boxes and the boxes have now been removed. I do keep papers & information for others, this has to stop. It’s just a small step one I will be happy to see the back of. So here is my challenge for next few weeks and list of questions for me to think about too!

Declutter Paper Challenge

• Is it out of date?
• Why have I kept it in the first place?
• Do I need this piece of information for ME?
• Do I want it now?
• Can I live with out it?
• Can I replace it with information on the net?
• Ask yourself will I miss this piece of paper or booklet.
• Does it have any value?
• If it’s a heritage document and do I keep it?

What to keep
• Is this item a Tax or budget data for my benefit?
• Past medical Information needs to be kept in a file.
• Keep all pension information for my benefit.
• Is this Information on general topics of interest for my benefit or has historical value? # Can I replace it with information on the net?

File all papers that you are keeping in filing cabinets that are in the house.

The last two days have been, No Spending days.

Today I thought would put away all those painting & carpentry items that were still out on the workbench and cleared the floor of the workshop. So that two zones are now done for this month.

Another No Spending Day

I have always watered in the early morning at dawn. Now I have to water only after 4pm until 7pm with a bucket only. But I can water at anytime if I have grey water or tank water. As my tank has not arrived yet! We had no rain for a month now, so it will have no water in it until it rains next when does arrive. We are on a odd & even house numbers as before. So now I have to change my jobs around so I can water in the afternoon before sun goes down, that only gives me about one hour to water the whole area. Some plants only need watering once per week so I will do them on the odd day. As I only water twice per week now. I will have to change my strategy on which plants to water and when. With the view that we may not be able to use buckets or water our gardens at all when we get to the next level in about September at 15% dam water level. My daily water use is only 129 litres per day. So I am saving money on my water bill. $12.50 for 3 months is not bad!

BREAKFAST Muesli & Milk Coffee
LUNCH Macaroni & Cheese Fruit Coffee
DINNER Stewed Lentils & Tomato Sauce & coffee

After reading about this Simple Green all purpose cleaner for so long. I did finally find it at Bunnings Warehouse, our large hardware chain in their cleaning supply aisle it was just by chance as I don’t normal go down that aisle. I did buy some to try also this will make up to 5 gallons. I went on to their

As it's hot here, I will have cold salads & meze kind of lunches most days. While having coffee the other week in the city, I had a look at kind of lunches are being served in other food outlets. Here are some of my findings and my versions on them. Because you wouldn't go out to buy some of these ingredients if you on a strict budget like I am. I have put in some other alternatives, as you would use what you have got and not buy fancy stuff because it's in the ingredient list. I buy Focaccia & Turkish bread in single serves when they are marked down, so I bag them up and freeze them in single serves. Most times they are packed in bags of 4 so if I can I will buy 2 bags at a time. Using about 2 per week gives me month worth of them. Seeing that I can buy the rolls for around 50c each or less. I can make these recipes from home for under $2.00 each using what's in my fridge at the time. Seeing that I do make my own Hummus, Marinated Peppers, Marinated Feta & Pesto and bulk buy Sweet Chilli Sauce in a large bottle and decant into a smaller bottle, all saving money on the overall cost.

You can use any kind of rolls or bread but original ones were Focaccia rolls. These Fancy bread rolls sell for $5.95 each or more. As I have never bought them, I don't know if the chicken is cold or hot but it's grilled. They could have slice cheese on them, as they were call melts.

Chilli Chicken Tenderloin Melts
Garlic Focaccia Bread or Turkish bread buttered, put lettuce or rocket leaves, then with Chicken Tenderloins, Marinated Peppers, top with 2 avocado slices, sweet chilli sauce and sour cream and snow peas sprouts garnish.

Pesto Chicken Tenderloin Melts
Garlic Focaccia Bread or Turkish bread spread with Hummus or pesto, then rocket or lettuce, Chicken Tenderloins Marinated Peppers or few fresh pepper slices topped with 3 avocado slices or Marinated Feta and Mayo or pesto over the top.

Gourmet Salad Rolls
Focaccia Bread or Turkish Bread with Hummus Lettuce or Rocket, Tuna or Ham or Chicken slices, Marinated Feta with Marinated Peppers topped with Sweet Chilli Sauce.

BREAKFAST Baked Beans on Toast Coffee
LUNCH Macaroni & Cheese Fruit Coffee
DINNER Curry Ground Beef & Rice with Sambals

February / March Goals & Planning Ahead

~ Have my credit card at Zero balance by end of the each month.
~ Come under budget.
~ Deposit into the online accounts.
~ Pay All Due Bills on pension days or ahead of time.
~ Chiro visit (one every 4 weeks)
~ Known outings to budget for in February / March - lunch out 2
~ Live off my Bulk Food Assets ~ (On Going)
~ Make up another eight meals OAMC. - Out of Bulk Food Assets.
~ De-cluttering Computer Room for door project.
~ Finish Door project
~ Gardening Mowing & weed back garden & put water saving techniques in place
~ Cull & de-clutter computer files not in use. – (on going)
~ Downsizing storage and clean these areas (zones 6 , 7 & 8)
~ Install the water tank, paid and apply for rebate.

Review of the last two months.

December / January Goals & Planning Ahead

~ Have my credit card at Zero balance by end of the each month. - Yes
~ Come under budget. - Yes
~ Deposit into the online accounts. – Yes
~ Pay All Due Bills on pension days or ahead of time. -Yes
~ Chiro visit (one every 4 weeks) –Yes
~ Known outings to budget for in December / January lunch out 4 dinner 2
~ Live off my Bulk Food Assets ~ (On Going)
~ Make up another eight meals OAMC. Out of Bulk Food Assets. -Yes
~ Gardening Mowing & weed front garden & put water saving techniques in place. - done
~ Install the water tank, pay and apply for rebate. – still waiting
~ Cleaning and painting garage before the tank is installed. – done
~ Cull & de-clutter computer files not in use. – still to do some
~ Downsizing storage and clean these areas (zones 2, 4 & 5)

So that you can see what I am saving money wise. I added a extra few categories in. Money Banked, Major Projects & Cut Small Stuff have been added of late.

As I am a hoarder big time and I have a house full of Stuff of all kinds of things. This is what I will be using instead of buying to much more stuff, so I can find the money to pay for the Major Projects.

I will target what I will be buying and stop buying what I don't need and could live without. Last year I saved over $2000 cash and only took money out of my capital fund to buy a very good 2nd car under 2 years old.

Yes I can live off my pension and save.

This is my 300th post to date.

I got a dripping shower tap that needs fixing and will have to keep a bucket under it until someone is available to come and fix it. May be to-morrow!

Today I had a look at my budget to see if I could cut some fat from it, not much to cut. So I will need look at cutting my spending as much as possible in the future. I have worked out what I will need to spend and when in a time frame so that helps. The first half of the year is water tank and door. So both those will be covered. Next item will be termite spraying and that will get done after I get my rebates back on the water tank. So three of the four items on Major projects do have some money available for them. As I do have the money too pay for the water tank now! I will to put any money saved in the second half of the year towards my computer replacement project and this I can do in small amounts as money comes available. So I only hope nothing-Major need replacing in the mean while. So my challenges for this year are ‘Cut Small Stuff ’ for Major Projects. So it ‘Use It Up, Make Do, Mend It, & Do Without’ for the Small Stuff Challenge.

I can see a lot of no spending days ahead.