down to earth

The weather is a bit like childbirth, you quickly forget about the bad bits.

It was quite cool here yesterday, it was showering most of the day, overcast and windy. It was one of those days you get at the beginning of the cold seasons when you feel glad to be alive, you wear layers of clothes to keep you snug all day and you look forward to hot tea and coffee and being able to warm your hands on the cup.

I'm looking forward to the cold days ahead, when I can wear jumpers, scarves and gloves and make hot soup in big pots that will keep us going for days. I love the time when I perform the yearly ritual of changing from a summer bed to a winter bed. When the cool summer sheets are replaced by flannel ones, Hanno has an electric blanket on his side of the bed and I add an extra quilt. We're already in the first stage of that winter bed process because for the last few nights we've slept with the windows shut tight. The next stage is to change to the warm bed.

They are simple pleasures and if you are mindful of them, they make such a difference.

I was at work yesterday and while I was attending an afternoon meeting, I sat mesmerised by the rain falling on the Flexischool roof. The falling rain took me back to the front of an open fireplace at my parents' house and gave me the warm and cosy feeling of being looked after when I was young. We have a combustion stove where I work and that is one of the things I really like about being there. Even when it's just sitting there unused, it makes me feel comfortable. When it's cold enough to light it, I doubt they'll be able to move me away from the warmth it. There is ample room for a coffee pot on top and I have no doubt that when it's cold enough for the fire, there will always be the smell of coffee to welcome people to the house.

But I remember back to the end of last winter. I was glad the cold weather was over and looking forward to warmer days, clinking ice cubes and summer dresses. We quickly forget the bad bits, don't we?

A couple of ladies asked for more information about growing vanilla orchids. On the left is a photo of several of my vanilla bean cuttings that have now grown to a good length. Producing vanilla is long drawn out process and probably reflects the high price we pay for genuine vanilla beans.

I've grown vanilla vines for a few years but I've never moved them to a place where they could grow to the required height to stimulate flowering. Basically they need about 50% sunlight and are usually grown up a tree. When they're a certain height, you cut the top off or flick the top off the support so it's hanging down. That triggers flowering if the vine has reached the right height.

Once the orchids have formed you must hand pollinate them. We have no natural pollinators in Australia for these orchids. If the orchid is not pollinated within 24 hours of flowering, it dies and falls off the vine. It takes about nine months for the vanilla bean to form and grow to the right size. When they're picked they need to be fermented for six months. This is done by dropping them, in boiling water, wrapping them in cloth, then allowing them to dry naturally for several months. It's a long drawn out process but certainly worth it if you're a keen gardener and cook, and you live in a tropical or sub-tropical climate. They're very easy to grow in the right climate. There is some excellent information about growing and processing vanilla beans here.

While we had good intentions, very little gardening was done yesterday. Hanno was feeling a bit dizzy so I pottered around outside for a while, we had morning tea on the back verandah instead of the front, and we ended up spending a very lazy day not doing much but enjoying the slowness of a coolish Autumn day.

I didn't do much baking or cooking yesterday; we had leftover soup for lunch and leftover salmon loaf for dinner, but I did find another two litre container of pure lemon juice in the freezer - the remains of last year's harvest - so I made up some lemon cordial. It will do us both some good to get a little extra vitamin C.

Before lunch I did one load of washing and hung it outside in the sun, then, when it started to rain, pegged it up under the shelter of the back verandah. We added that back verandah when we first came to live here and it's been such a blessing ever since. My family and friends celebrated my 50th birthday there - with the darkness lit up but many candles and the fragrance of floating gardenias in glass bowls filling the air. Kerry celebrated his 21st there too with a pig on a spit BBQ. The aquaponics system used to sit at one end but that space is empty now after we sold the system to one of the ladies who visits here. The dogs rest under the shade of the back verandah each day and stay dry there when it rains. But my favourite use for that space to is hang laundry when it's raining.

After lunch I settled in on the front verandah to work on a stitchery I'm doing for Helen. Helen is sending more Wyandotte eggs and our barter is eggs for a live simply stitchery - the same as the one pictured on my blog. So I found my trusty soft pencil, drew the pattern on some fine handkerchief linen and started work. It's a lovely way to spend a Sunday afternoon. The rain gently falling, a cup of hot tea, the dogs watching to see if there was any cake, and me, stitching away on the linen.

I am always impressed by the patience of Airedale Terriers who wait in hope of some sweet food. They don't jump all over you, they just stare, and to illustrate this point, here is Alice staring at me yesterday. There was no cake or biscuits yesterday, just a cup of tea, but as she knows we often have something with our tea, she sat there, staring.

And staring.

Sharon is currently working on the mammoth task of pairing up swap partners. Almost 120 swappers signed up so it's taking a little longer than normal. The list will be up soon, either later today or tomorrow.

I hope you had a lovely weekend doing what you love. Thank you for stopping by today and for all the wonderful comments this past week.

After quite a few weeks of busyness and flapping around here and there, I’m finally back to some kind of normal. It’s good to be at home, knowing I have the time to do what I want without thoughts of other things that need attention. I was supposed to be out today visiting a friend but she cancelled at the last minute so I have a lovely day at home ahead of me.

The garden is behind where it should be at this point. Generally it’s planted up in the first week of March but this year, with both Hanno and I being ill, moving the Neighbourhood Centre, and all that involved, and various other little bits and pieces, we have only prepared two beds and planted a handful of squash and tomatoes. We’ll get to work on the garden today.

I went to visit Frances at Green Harvest on Friday and bought a few packets of seeds, so with what we already have here, we are set to start off our main vegetable plantings for the year. This is an important time for us. What we sow now will be feeding us during the year, right up till about November when we will modify the garden slightly for summer crops. We have to get it right and we have to care for the plants as they grow, otherwise it’s a lot of hard work for nothing but a few straggling beans and squash. If we put in the right kind of work, however, those seeds will turn into the most delicious and healthy organic food.

I find the beginning of the new season garden both the most exciting time and the most mundane. There is a world of possibilities out there in the empty beds but seeing bare soil with no growth is very uninspiring. However, once those seeds start germinating, and when we start planting seedlings raised in the bush house, things start falling into shape. Tiny shoots emerge and add colour to the garden, we add structure with climbing frames, planted herb pots and stakes and it’s away. What was once a bare space starts looking like it could become something. Wait a couple of short weeks and beans vines start creeping up the trellis, cucumber and tomato flowers start forming, bees buzz around pollinating as they go, wasps fly in, lady bugs look like tiny oranges moving around and before we know it the first Chinese cabbage is being picked and another season of backyard food is there for the picking.

Our plantings this year are all open pollinated seeds, they include: Lacinato kale, lazy housewife beans, Oregon sugar snowpeas, Brandywine, Roma and Moneymaker tomatoes, Dutch Cream potatoes, country pumpkin, yellow button squash, bush cucumbers, sugarloaf cabbage, silverbeet – colour mix, capsicum (peppers) chilli, Nantes carrots, Tall Utah celery, Darwin lettuce, Welsh onions, radishes, parsley, thyme, oregano, bay and chives. I am looking forward to our seed swap because I might pick up a few other seeds that I could add to our regular mix. Sharon will announce the swap in the next week or so.

We try to stay within budget for our yearly plantings. I put aside $30 a month for the garden and have $75 in my kitty to spend on everything we'll use. It's a bit of a stretch from year to year trying to buy everything we need but more often than not we do it.

Last week we picked up 80 kgs (175lb) of composted cow manure from a local farm, we are still searching for cheap straw for mulch, I have enough worm castings to sink a ship and I have comfrey fertiliser brewing. We are set. If Hanno is well enough we’ll work in the garden together today. If he’s still sick, I’ll do a few things to start us off. I still have seeds to collect from our flowering celery, I have a harvest of rosellas to pick and the citrus need their March feed. Passionfruit and choko vines need to be cut back and I’ll spray the citrus with Eco oil. They’re all small jobs but each is important in its own way.

Our fruit this year is almost the same as last year. We’re growing lemons, oranges, pink grapefruit, bananas, passionfruit, grapes, loquats, avocado, red paw paw (papaya), blueberries, peaches and nectarines. It seems a lot, and while we get a lot of lemons and passionfruit, the others are still growing to a reasonable size and therefore put more energy into growing rather than producing a lot of fruit. Gardening is about time – it’s more about seasons and years than it is about days and weeks, so we need to be patient with the fruit. I write that to remind myself rather than anyone else. ;- )

Oh, I am also growing vanilla orchids. I always forget to write that, but while they’re very healthy I don’t have them in the right situation to flower, so no orchids or vanilla pods yet. I should concentrate on them more and try to get them to flower. There is nothing better in a cake than fresh vanilla bean.

While many of my country women and men will be putting their gardens to bed for the winter, now is a time of abundance here in the subtropics, and I know that Spring is almost here for all our Northern Hemisphere gardeners. I wonder who has their garden planned and seeds purchased. I'd be very interested to read about your plans if you care to share them.

I'm ready to pounce.

Hanno went to bed last night with a raspy voice and a sore throat, I think he'll get up this morning and tell me he has a cold. The nurse/mother in me is awakening and I'm all set to sooky him. Mind you, I did give him the cold so I do feel half a pang of guilt, but having someone to make warm, to squeeze juice for and to coddle makes me smile along with that quickly diminishing feeling of guilt.

When I was a young girl my mother used to make a big fuss of us when we were sick. She'd make us jelly and junket, or soft boiled eggs with toast soldiers - bliss! So I guess I have modelled her behaviour with my own family. When my boys were sick I tried the jelly and junket treatment on them, and although they liked it, they preferred juice and toasted Vegemite soldiers.

I think illness brings out the mother in all of us. There are very few times when we can really pamper the people we love. Of course, we do it in small ways every days, but I'm talking about the grand style of pampering when we fluff up pillows, make up the sofa as a day bed and which involves warm lemon and honey tea and going to and fro getting all manner of things for the patient.

I have to work today - I swapped a day earlier in the week because I was sick - but I hope to have Hanno bundled up warmly on the sofa before I leave. I'll put hot tea in a thermos and the squeezed juice in the fridge so it will be easy for him while I'm away. There will be magazines on the coffee table, the remote control on top of the magazines and a box of tissues and bin for used tissues next to him.

Sleep is the best treatment for a cold, along with being looked after with lemon drinks and soft foods, so I hope Hanno sleeps while I'm gone. Knowing him as I do though, he'll probably sit down till I leave, then work in the garden most of the day. If I were here all day I could insist on bed rest and all the flufferies that go along with it. I guess I have to be content with what he feels comfortable with. But if he gets up and says he's got a cold, I'm ready to pounce.

GLOSSARY ;- )

sooky: Treat with excessive indulgence.

I knew the comments we'd get for the previous post would be wonderful. They're much too good to be left in the comments, so I'm making a post of them. Thank you for your helpful advice, ladies.

Kathy wrote:
We have the smallest house at the moment and although we are starting to build a house soon even then it will be smaller it will be easy to clean and the kids will continue to share a room. We are a family and we don't need to be separated from our kids and each other. With grocery shopping the best thing I've found to keep on budget is take cash, every sunday night I put my weekly budget amount in a bag and I carry it with me daily, all food/grocery expenses must come out of that envelope. We make it a challenge to have left over money at the end of the week that we can put into our change money box.

Coleen wrote:
I find it's not so much what I do but more what I don't do. Like, I don't go to the mall, fabric store or grocery store, that way I don't spend money on silly things. I do go to the stores w/a list and try, very hard, to follow that list. I make a general menu for the month so that I don't stop on the way home and do take out for dinner. I don't buy my lunch at work but bring it from home. You get the idea.

Virginia wrote:
I stopped buying newspapers and magazines (especially quilting one's). Books also dropped off the shopping list. As I gave up more 'stuff' it became easier to do. I then started to prune the grocery shopping to only buy exactly what was needed for the week, no more 'I may use this'. I stockpile dry goods and tins when on special. I have surprised myself by slowly making progress on reducing expenditure and our debt. If I can do it then anyone can, goodness knows I spent a fortune in the past with nothing to show for it. If your serious about being debt free and living an authentic simple life, start small and STOP spending.

Lilymarlene wrote:
Here in the UK we are already paying the equivalent of A$2.40 per litre for the diesel we need...with no sign of it dropping back to the price it was 6 months ago, when it increased by 10%-ish. Making economies is a constant exercise; a challenge, but I relish it like you do.

Melissa wrote:

I have only just started cutting back. Right now, to see what I have left over at the end of the month, I have stopped 'waiting' to pay bills at the last minute. The last few weeks I have been paying bills right as they came in the post. Oh that is an eye opener. Even if it takes most of mine or Andrews pay at one time, it is helping me to budget better. I have no choice this way. Even today I had the urge to just go shopping after work. I drove straight home and it was like going through an addiction withdrawl. Reading your post helps to realise why I am doing this. So thank you!

Lorisdoris wrote:

On the subject of books, we do use the library extensively. We not only borrow from them, we buy too! Once a year our library hosts a used book fair as a fundraiser. Patrons donate books for the fair all year long. The fair runs three days. On the first day an admission is charged. Also, books are priced higher on the first two days, although still far cheaper than new. It is on the third day we really see the savings - that is fill a bag for $4 day. I have found wonderful books there even on day three. Some of the books are older, but many are brand new. Also, many of the books I am looking for which relate to simple living, are not the books most sought out by others. We usually set a budget and then go and have fun, bringing home enough to last us for the year and some change as well. I am sure other libraries do similar fairs. It pays to check.

Kate wrote:

My local library also stocks cds and dvds. It's certainly worth a look before hiring a movie commercially or buying a cd.Colleen you get more than three litres in a gallon, so US fuel prices are still very cheap compared to the rest of the world. There's a reason Europeans have designed all those small fuel efficient cars!As for saving money, turn things off. All those electrical things on standby add up for no return. It really annoys me that they're designed that way.

Robbie wrote:

What I have found helps with our budget is to pre-pay our bills as much as possible. I have estimated what we spend each week on electricity, telephone, car rego, insurance etc and I pay that amount directly into the accounts over the internet (no postage, no cheque fees etc) then we know what we have left is realy ours to spend (or save!). Books are the one thing I do miss buying... the library has only so many and I often have had to request them to buy certain books which I have found they will do but you wait and wait.

Marlina wrote:

My husband and I live with our 6 children in a 3 bedroom manufactured home in a park with other similar homes. We were planning on moving soon, but as we have been working on the house, God has been working on my heart to be content where I am. I also want to honor my husband, by not getting a larger mortgage! He works fulltime and has a handyman service he runs in the evenings after work. (Weekends off, yay!)I have been the one desiring a little more space for the family, and a yard to plant a BIG garden, while my husband has been quite content here. Over the years we have also had family members in with us at different times: a grandpa (invalid), a grandma (nursed her back to being on her own), and a sister moving back to the area after a divorce. So, needless to say, our home felt even smaller, and I ended up with a not so great attitude! Well, I can now gladly say that my heart is changing, for the better. It's helped so much reading your blog, you are just such an encouragement to me to do better! I got the book Square Foot Gardening, and the kids and I are planning our small area garden as part of our school work. We have 3 chickens who are faithful at laying eggs for us. We also got the Dave Ramsey book and workbook (used, for a great deal!) and are on our way to paying off the rest of our small debt, and hopefully having our humble little home paid off within two years!

Marilyn wrote:

When DH and I married 32 years ago we lived with his parents for four years so we could save to buy a home. When all our friends were going out and spending money, we saved. We bought an old house that needed renovating and furnished with mostly second hand give aways, until we could afford to upgrade (always as cheaply as possible). We saved like mad to do the renovations (both of us worked) but the temptation to pay off the mortgage instead was too great to resist.Then when the children arrived we ended up spending money on their education, and having no loans meant I could be a stay at home mum (just my personal choice.)If you have children you can be run off your feet working outside the home or in it. My girls were only allowed one extra curricular activity each so we didn't spend our lives frantically driving everywhere. They had time to play, inventing their own games. They didn't suffer as far as I can see. I felt my decisions led me to have the best life I could have had.I have a friend who spent her earlier years travelling the world. She started her married life with nothing monetary behind her and struggled terribly at times financially. She envied me at times but I reminded her that she's seen and done things I never will. In the end it doesn't matter what position you're in, it only matters that that you decide to make the right choices for yourself here and now and don't live with regrets.But living beyond your means means that others are making your decisions for you. Something inside your head is telling you to have this or do that. Why? It's interesting to ask ourselves why we let advertising or keeping up with "the Joneses'" influence us. What is the personal pay off for buying stuff? Being "spread too thin" timewise can easily lead to buying ready made expensive things. Is it really all worth it? Slowing down and discarding a lot of superfluous things that society kept insisting I needed (to be happy or successful!) is the most wonderfully freeing feeling. If you put restrictions on spending because you NEED to you're sure to feel deprived. Looking at why you do something and deciding to make a good decision for yourself is always more empowering, even if you have to "swim against the tide" of those around you to do it.

Kristina wrote:

We are facing major problems with the worldwide economy and we all must be prepared and willing to make changes in order to survive! You are absolutely right in saying everyone needs to get their debt paid off as soon as possible. Do whatever you can to get it paid off! We are farmers and have been hit so hard by the fuel prices and costs of fertilizers that we are making drastic changes. First, we got rid of the "Everything" package on our satellite television. We now only get the network channels and about 20 others. This saved us $70/month. We could have got rid of it altogether but being out in the boonies we can't get local tv and we do like watching the news and weather and educational shows. Secondly, we have gone to just cell phones and got rid of our landline phone. This has saved us about $80/month. I cook only from scratch according to what we have on hand in our pantry and freezer. We are trying to limit the amount of time and money spent in the grocery store. I had so much food stocked in our freezer and pantry I didn't even know I had some of that food in there! I cleaned them out and organized them and that has helped tremendously -- knowing what I have on hand! Organization around the home with your menus, bills, clothing, chores, etc. is absolutely 100% necessary. You have to know where you stand with everything and keep thinking of ways to make it better. We are applying every spare dime to pay down our debts which are many unfortunately. Medical expenses cannot be helped when treatment is needed. But we are working hard and our 2 children are great sports with these changes we've made. We plan to grow a huge garden this summer and preserve/freeze/store as much as we possible can.

Lucy wrote:

Here are some of the key ways we've saved money:1. With a young baby, I am always doing washing, and making my own washing powder (to your recipe) has saved me quite a lot.2. I particularly enjoy reading craft books and here in Birmingham UK, we can reserve books online for free, have them delivered to our local library and even get sent a free text message to tell us when it is ready for collection. Doing this I get the pick of all the books, even ones that are recently published! 3. I always have a list of everything in my freezer and cupboards - from these I create a weekly menu plan and shopping list.4. If you are like us you will need small change regularly (for car parking, bus etc). We keep a jar of small change which we can dip into instead of going to a cash machine, having to buy something we don't need in order to get change and then flitting away the rest. It sounds obvious but it has really stopped us wasting money on nothing much.I look forward to hearing more ideas from future posts and comments.

Kim wrote:

I so agree with you about this post. I am so happy in my little house..my little PAID off house!I can't believe how much money I saved when I cut out the junk. Sodas, chips..it was amazing. I now cook 99% of our meals from scratch. My food budget by myself used to be $400, now it is $160 for the 2 of us. We eat a lot of good stuff too, like roast and seafood but nothing is wasted and it's all REAL food you know?

anonymous wrote:

We do many things to cut back and save money. But, I think the one that helps me the most is keeping a cheerful attitude about it. I am more than happy to tell anyone how little I spent on something if they ask, and many people at home and at work have come to know me as a frugal shopper. Many now ask for tips, which I think is a lot of fun. It's like my own small anti-consumerist movement. :)Otherwise, we do things like: buy furniture used, careful meal planning & use up all food, resell items on ebay that were purchased for cheap, and give ourselves some financial wiggle room every so often. We do not have a strict budget - my spending is pretty much a habit at this point, and I don't chastise myself if we go over budget here or there because overall we are putting away money every month.

Lyn wrote:

My dh and I are presently living on $1,700 K (U.S.) per month. It has not been easy, but it has been possible, and with God's help, we are making it. My husband lost about $1K in income within the last few months. That in itself was hard, as we were paying down our debts as quickly as possible. Since we've lost any extra, we basically removed everything unnecessary from the budget. It was a real help that we were not living like the "Joneses" to begin with. I think that mindset of trying to keep up with others only hurts people.For us, prayer, hard work & determination has been key. Learning to live simply and with gratefulness for all we have is so beneficial. We also try to make do as much as possible with what we already have.Even with such budget cuts, we plan to be out of debt soon and will be able to put more towards savings and other goals.It is not always easy, but I do believe it is possible for some out there as well.Tips: Live in a smaller, inexpensive home if possible. Less to clean, take care of & maintain, as well as heat/cool. (I live in a mobile home.)Spend money on necessities as much as possible, but do keep a small allowance for you & your spouse. It helps keep the sanity. :) Stay away from stores - this will literally save you more than you can imagine. If you don't need anything, don't go shopping. Become a blackbelt frugal person - knowledge is power!

Tracy wrote:

If only they taught these kinds of things in schools today!!!We learned the value of living simply and frugally when my dh started his own business. We had 3 months wages in the bank and stretched it out to 6 months. The fact that our Family Tax Benefit payments went up was a big help in making that happen.We never lived a lavish lifestyle, but we made changes that meant we lived an incredibly simple life:* use cash only. Take out only what you have planned & budgeted for and when it's gone you say no.* make a menu plan and a shopping list. If it's not on the list don't buy it. * only shop once a week.* cook everything you can from scratch.* learn to enjoy some vegetarian meals. Just 2 meat-free dinners a week saves us substantially. To start off with we did 50/50. We've now developed quite a collection of meals we really love.Some of our changes are also in our thinking. We no longer buy now and think about how to pay off the CC later. There is a lot to be said for the feeling of satisfaction of saving up FIRST! We now really enjoy a night in the company of friends over a simple home cooked meal. If we are the visitors I truly and completely enjoy the meal and the fact that I didn't have to cook it. And in return I never ask my guests to bring something with them unless it's truly a spur of the last moment kind of thing (like 5pm and I've already started cooking & discover dh has invited someone over!!!!).With a bit of planning it's amazing how much one can avoid spending!

Marg wrote:

What a timely comment Rhonda and what marvellous contributions from everyone. There are a basic lessons to be learned from reading all these - having realistic and achievable goals and learning where your priorities lie.We have no debt - Like everyone else, we went through that period of conspicuous consumption and we paid through the nose for it with the interest we paid. Once you are rid of that debt you are in command of your life.Home for us when we started out was a small 2 bedroom home which we added to in later years as needs demanded. 46 years later we are back to having a smallish 2 bedroom home - with no additions envisaged!We shop fortnightly and stockpile and we find this suits our country lifestyle beautifully. Another thing we have found worthwhile is to use EFTPOS when we shop. Not only does it mean we are not carrying large amounts of money, it also means we are withdrawing only what we need to cover our purchases - with no excess...and it is amazing how much money you can waste if you think it is left over. The big BUT with this is, you must stick religiously to your shopping list -with no impulse buying.

Kate in NY wrote:

I have just recently realized, after years of both unsuccessful dieting AND unsuccessful budgeting, that the two are very, very closely related. In the past, I've often wondered why I haven't lost weight when I've been "so good," and yet I've failed to take into account the handful of chips here and the chocolate bar there. It's often been the same with money - I've wondered why we have incurred so much debt when we are living relatively frugally, certainly far more simply than our neighbors - but I still stop in for a latte when I feel like it or buy a new book from Amazon or whatever. Now I am losing weight AND actually sticking to a budget for the first time in literally years of trying - mostly because I am taking stock of EVERYTHING that goes into my mouth or out of my wallet. I know some people can make huge changes slowly, in moderation, but for me, the cold turkey, 100% committed approach seems to work better. For right now, I need to be a little obsessive - complacency just seems to set me back. I'm glad I've discovered the connection between these two areas of life that have eluded me - it feels so good to be disciplined - much better than a brand new book or a chocolate bar would!

Jess wrote:

Cash seems to be a lot harder for me to part with than using my debit or credit cards, so I allot myself a specific amount of cash per week to spend on miscellaneous things and once it is gone it's gone. I find I horde it because it is makes spending more tangible. I honestly think that a lot of the reason Americans are falling father and farther into debt is because spending is just swiping a card - the money no longer has any tangible value and there haven't been any tangible negative consequences for racking up debt. We live in a large house, more space than we need and I struggle with that. But I am proud to say that we do not have any debt on credit cards, no car payments, etc. and we live well within our means. I know I can cut back more and become more resourceful. My biggest waste is food and I struggle with meal planning. I have a young toddler and a one month old baby and at the end of the day sometimes I am happy to just throw together peanut butter toast and a simple salad. I know I can get a better system in place and I'm working on it.

Hannah wrote:

I try to live simply and unlike some lucky people am just starting out in the world of home ownership, currently have an offer on a house and praying it will be accepted. I do not buy novels, I don't even really like to be given them, as I find it had to read any but the most interesting more than once as I remember the storylines too well. I borrow from the library and only buy a book if it is a reference book I envisage using multiple times. I don't do a weekly shop. As I only feed myself and cook a large meal twice or three times a week, saving leftovers, I find that if I go to the shops I buy things, even when I have a list. So, I avoid the shops and only go when I actually need something.I buy most of my clothes from op shops, and try and make some of my clothes (hoping to do this more and more)I try and not carry cash, as I will go to the op shop. If I find something I want I have to want it enough to go to the atm and get money out.I don't eat out or get coffee unless I am doing it with someone else. Take lunch to work, and make espresso coffee on a small machine in the office.By doing this I have been able to save even when I was studying full time and living on youth allowance (student support from the govt in Australia) When I finished uni and began working I made the decision to not increase my expenditure by any significant amount, and on average, would live on approximately 30-40% of my income which is not significantly large and this includes my giving to church and sponsor children.

anonymous wrote: (I agree wholeheartedly with you anon. We do this too - cutting back on this and that - Rhonda)

This may sound silly, but I have learned that I cook way too much food at any one time. For example, cutting back on using two cans of beans for one recipe and instead only using one has helped our budget a bit.... we don't notice a difference and we toss less....

Cheri wrote:

When my DH and I were married 34 years ago, we both worked full time. We lived off of his income and saved all of mine. That way, when it was time to buy our first home and start a family, we had a sizeable downpayment accummulated and were accustomed to living on one income.I have been able to be a SAHM ever since and homeschool our three boys (now all grown men!).I have never regretted our thrifty ways!

Craftycherry wrote:

Now both my littlies are at school i am free to do things that really save money until a part time job comes along. I believe children should be at home with their Mamas and I managed to do this although i was a terrible budgeter.I look back now and think how did we manage ...the waste!!! One thing i am doing and I have and will be blogging about is sewing my childrens clothing. It saves heaps although people are so negative. Cheaper from the Warehouse.They say(Wrong!!) Who has the time. (I do!!). Im NOT a good sewer but even I have managed. I also sew Sanitary pads (Dont say yuk just go to Hillybilly housewife for the pattern) Napkins instead of paper towels, quilts from scraps and remnants, aprons, gifts, curtains etc etc. My children feel really great wearing their original clothing, I feel proud and my pocket smiles at me. Yes there are dozens of others things but I just wanted to put some input in for this lost art.

Jenny wrote:

The best advice I have is to really think about how YOU want to live YOUR life and then make your priority list from that.We wanted a home of our home with a decent size garden and close to family if possible. This meant we had to move interstate and choose quite a modest house. We have a 2 1/2 bedroom house on 1/3 acre for our family of 5.We wanted our children to be brought up by their parents and have a close relationship with their extended family. So whether we have both worked part time or one worked fulltime and the other stayed home our children have been with their parents and at times had their grandmother step in when necessary.This means we have lived on a minimal income for most of our married life but we have always been well fed, we enjoy a close relationship with our children and we are without debt.We have sacrificed material wealth, job advancement and myriad possessions but really that's no sacrifice at all.When you see something that you think you must have, think about the consequences to your family and to the planet and then it's a lot easier to make a proper decision rather than just react.When we were first married, buying a home and having our first child Australia was having the "recession we had to have" and interest rates were going through the roof. Our mortgage payment took half our monthly income and to stick to our priorities we had to learn how to make our own washing detergent, budget our money, and make presents rather than buy etc.It was a great adventure and taught me so much. I have always cooked from scratch, made my own clothes and knitted and mended and so on. Our house is purposely close to shops and public transport and my husband has always preferred to ride his bike and these habits have kept our expenses reasonably low. We own and use a car but we also walk a lot and use buses and bikes.During the brief time when I worked part time and my husband worked full time ( three years) we did our best to save my wage so that we didn't get used to two incomes and so I think we avoided the trap that would have eventually made us materially wealthy but time poor.I really believe you have to have a philosophy to live by that feels right for your family, that gives you a solid foundation for every decision you make and then you don't have to agonise over a thousand different things, you just know what is right for you and the community and planet and you certainly don't need some advertising agency to help you live your life.

I’m really pleased we have no debt. Rising interest rates, high fuel prices and skyrocketing food prices are quite common world-wide now and I know many ordinary folk are feeling the pinch. I thought it might be timely to share some information about how to cut back and make do, hoping to help those of you who are starting to worry about your finances.

Rents are rising, and so is the cost of child care, clothes and shoes, electricity, water and gas. Caltex Australia announced yesterday that petrol prices will double in the next decade. Imagine that, petrol at $3 a litre! That will further increase the price of food, transport, houses … well, almost everything will be effected. It’s not fair, but it’s our reality now. I believe you have to live to your reality, not your expectations or your dreams. If I were starting out now, I would run a mile to get away from someone trying to sell me a McMansion, I would cut my cloth according to my needs and start off small.

The average mortgage price in Australia now is around $300,000. That is incredible to me. It’s too much for first home owners to pay. My sons couldn’t afford to pay a mortgage like that and they both have good jobs. I don’t know what to do about it, if there is anything, but I’d only buy a house I could afford. I would not be tricked into buying a house that looked good but didn’t allow me to have a decent and fulfilling life.

Why does everything have to be so big now? It doesn’t make sense to me. Big houses, big cars, big boats, big TVs, even big breasts! I don’t understand the hypnotic effect of BIG. Don’t good things come in small packages? Why not buy a smaller house and build a good life as your family grows. Marriage is hard enough without the stress associated with paying off a mortgage you can’t afford. If you have to put all your money into your mortgage, or rent, how do you manage to buy the other necessities of life? Are you robbing Peter and to pay Paul?

There is another way. It’s not glamorous and you won’t live in a new house, but buying a smaller home, where sons and daughters share bedrooms and families rooms, are better for children than giving them their own room, TV, phone and internet. Kids learn to socialise in their own home. Isolating them, isolates them! They need their parents and siblings around to interact with, to learn from and grow with. Starting off small, all bunked in together with mum and dad in their room and the kids sharing bedrooms, allows you to develop relationships with your spouse and children, you go through the hard times together, and that makes your family a stronger unit.

I don’t want this to sound like a lecture because that’s the last thing anyone needs. I am concerned that many people are living beyond their means, and they are doing it because they think it’s expected of them, or they want to match what their friends have. Change your expectations, start small, cut back and make do. You won’t live the most glamorous life but you’ll be happy and you'll have a better chance to build a good marriage with loving and sensible children. You’re not doing your children a favour giving them everything they want. Children learn by living a safe and secure life with loving parents. When children are given everything they want, and when there are fights over money, kids suffer.

When Hanno and I were paying off our mortgage, we paid fortnightly payments instead of monthly and we had a jar where all spare cash went. When we had enough in the jar for an extra mortgage payment, we paid it. Doing that, we paid off our mortgage in eight years. I’m sure there are other tricks to reducing your mortgage debt, hopefully our wonderful readers will give us the benefit of their own experience and tell us what they do.

Let's assume you’re paying off your home, and maybe a car as well; food will also be a large regular expense. Doing up a family budget will help you a lot. It’s not a restriction, it’s more a guide to how you spend your money. A budget will help stop money leaking out. If you have no budget, do one this weekend with your spouse. I’m sure it will help you. I resisted a budget for the longest time. When I finally did one up, I realised it wasn’t an added burden but rather a great help in understanding how much money we had, what it had to be spent on and how we got the best value for the money we had.

If you can save money on food, you’ll save quite a bit. I cut our food budget in half, then in half again. It wasn’t easy but now, when I look back, I cringe when I think of how much I wasted. Stockpiling helped me stay out of the supermarket, allowed me to buy food when it was on special and gave us a little supermarket at home where we could shop 24/7. But stockpiling isn’t the only thing that will help. Menu planning is also a good way to help you reduce the amount of food you waste, it helps organise you, especially on those evenings when everything goes wrong, you’re running late and you trip over the dog. Your menu plan will at least help you get a nutritious meal on the table for the family to eat.

Cooking from scratch is a big help in reducing food costs. The convenience you buy with some food – it might be pre-washed, already cut, or even cooked - that all costs you money. Making everything you eat from scratch, or even a good portion of your family’s food, will save you money, will give you healthier food and will cut down on all those preservatives, colourings and flavour enhancers present in convenience foods.

Grow some of your own food. If you can grow enough vegetables for your own use, you'll save a packet. It's also fun and healthy and a great activity for children. Get some chooks for eggs. Barter with neighbours. Learn how to preserve the excess harvest for later in the year. When you bite into your first home grown tomato, I bet you'll want to grow them every year.

I wrote about books a couple of days ago and I know it’s a big one for many people. We love our books. I can honestly tell you that although I have been a lifelong reader, write every day and have a literature major, I found it easy to go from buying books to reading library books. Sure, there are some books I covet and want to have on my bookshelf for easy reference, but that is one of the sacrifices I make to live the life I have. We can’t have it all. There are sacrifices we all must make.

Sewing and mending will help reduce the amount of money you spend on clothing, soft furnishings and household items. Many things that you once might have thrown out because they had a rip or a missing button can be repaired, often quite easily and simply. Don’t throw out a sheet just because it has a rip or a hole, mend it. I do this all the time now and giving a sheet another one or two years service because I took the time to repair it will gives me a feeling of pride in a job well done, and I know I’m using resources to their full extent. Doing these small things really does make a difference.

If you're thinking you might get a second job to cope with the financial pressure you're under, do your sums first. If you have young children and you have to pay for child care, you may not make enough money to make your job worthwhile. If you're working at home, make it your job to be the best custodian of your household expenses that you can be. Work at saving money, specialise in making do and cutting back. All those simple money-saving things you can do if you're at home might be the difference between make or break for you.

I’m sure there are readers here who are suffering with the rising prices. I want to encourage you to stop buying the little things that don’t cost much – bottles of drink, cups of coffee, fat quarters, bits and pieces you don’t need but want; whatever it is, stop. Use all that money to pay off your debt. There are hard times ahead, prepare for them now and you won’t panic later. I hope everyone will share their thoughts on how to cut back. I know there are many wonderful readers with some excellent thoughts on this. I want to build a post of valuable money saving ideas that have really worked; the tried and true methods that have helped you cut your debt. Later today I’ll start building another post with the great ideas I know we’ll get in the comments section. Please help if you can, join in and help your blog neighbours in these hard times.

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I bought two new books yesterday. Yes, two. NEW. BOOKS! There was a time when barely a week would go by when I didn't buy a book or a few magazines and newspapers. I quit that behaviour about five years ago when I realised that conserving money helped me conserve resources. Being frugal reduced the amount of greenhouse gases I was responsible for, reduced the amount of money I needed to live and helped me transition from spending $1000 a week to $1400 a month.

So how did I buy these books? It was through the kindness of the readers here. Those of you who have been reading this blog for a while will know I had an Amazon portal on the blog until January. I disabled it when I changed the template and haven't put it back yet. In November and December I received two gift certificates as payment for all the books you purchased.

It usually takes me a while to get around to these things but yesterday I ordered A Very Small Farm and Green Mountain Farm, they should arrive mid-March. Thank you to everyone who purchased books through my Amazon thingie. I am SO looking forward to having new books to read. There is nothing like the smell of a new book. ;- )

While we're on the subject of books, just this morning, Diana emailed to say she's passing on the Choosing Eden book I sent her earlier in the year. The book originally came to me from Dot at Wool 'n Ewe. She kindly sent it to me to read and asked that I pass it on, which I gladly did here. Now Diana has read the book and, in the true spirit of generosity, is passing it on. Diana has a wonderful blog - Pebbledash - and if you go there before Sunday March 9 and make a comment, you'll go in the draw to win the book. I hope that whoever wins the book will also pass it on when it's read. I wrote my name on the inside cover, I hope Diana does that too, as well as each person who reads it. That book may well be the most travelled book of the decade when we're finished with it. Read on ladies and gentlemen!

A while ago someone asked me to list me favourite books. As I said before, I usually take a while to get to things, not for lack of trying or laziness, but because there is so many other things to write about and do. But now we're on the subject of books so it seems the right time to write more about what I like to read.

My favourite book of all time is Ulysses by James Joyce. I have two copies - one first edition American book, published 1922 and another paperback copy for reading and lending. I must confess that everyone I've lent it to has returned it as unreadable. !! Oh well, I guess it's just you and me, James. A few years ago I went through a period when I read only gardening books, then books on philosophy, then physics. The last books I bought before my self-imposed ban were books on simple living. The one I enjoyed the most of these was Carla Emery's Encyclopedia of Country Living. I also read a couple of John Seymour's books, which I enjoyed very much, but they were from the library. Another library book I liked was the Readers Digest Back to Basics book - Australian version. There is also an American version of that book.

The best Australian gardening book I've read is Lyn Bagnall's Easy Organic Gardening. That book taught me things I didn't know. I've been gardening for many years and I generally just read what I already know, but Lyn's book was a revelation. I use it frequently as a reference book and to read about vegetables just before I plant them. Lyn is an organic farmer and has many year's experience producing organic vegetables, and it shows. I was lucky enough to have Lyn send me a signed copy of her book. :- ) If you're reading this Lyn, thanks again.

So there you have it. It is said you can tell a lot about a person by the books they read. I wonder what my books say about me. I think it's such a jumbled mix it would be difficult to nail me. But who knows, you might already have my number. ;- )