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Frugal Three Course Lunch

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Hello Dear Reader,

We had our lovely friends for lunch today which gave me the slightest excuse to cook something really lovely. To start I made goat's cheese and red onion marmalade tartlets with a rocket salad.

Pastry - 7 oz of butter and lard rubbed into 14oz of plain flour - add water and make into pastry. If anyone would like me to film this and upload pastry making then just leave me a comment and I will do that next time. I always blind bake the pastry to avoid a 'soggy bottom'. (I used half of this pastry for the dessert - if you are making the tartlets, then you will only need half of this)

To make the Red Onion Marmalade.

4 large red onions - finely sliced,
6oz of soft brown sugar
80g/3oz of vinegar
oil

1.Fry the onions in some oil until soft.
2.Add the sugar and vinegar
3. Cook until sticky and caramelised.

Assemble the tarts by allowing the pastry and marmalade to cool and then slice goat's cheese on top. As the pastry and onions are already cooked these will just need ten minutes in a hot oven to melt the cheese. I served these cold with some rocket.


 Butternut squash and Spinach Lasagne.

1 butternut squash - peeled and cubed
1 large onion - finely diced
2 courgettes/zucchini - cubed
1/2 head of celery - finely chopped
4 medium mushrooms - chopped.
1 bag of spinach - add in at the end - it only needs wilting.
1 pack of passata
1 tin of chopped tomatoes
4 cloves of garlic - crushed
sprinkle of basil, oregano and pepper.
tbs oil

1. Chop and fry the vegetables until soft
2. Add tomatoes and passata
3. Simmer for 20-30 minutes.

1 pack of value lasagne sheets

Cheese Sauce

1 litre of skimmed milk
4 oz finely grated mature cheddar
2 tbs of cornflour
1 tbs butter

Mix together in a large jug and microwave in three minute blasts, whisk each time and return for another three minutes until cheese sauce. Bake in a medium oven for 45 minutes.

Homemade coleslaw.

I shred all the ingredients in a food processor.

3 carrots
1/4 large white cabbage
1 onion
200ml of lighter than light mayonaise (use full fat if that's your thing)

Grate the carrots,
shred the onions and cabbage
Mix with the mayonaise.




Summer Fruit Tart

Pasty - half of the ingredients as above,
Sponge mix - 2 eggs, 4oz sugar, 4oz butter and 4 oz SR Flour - blend together. Blind bake and allow to cool.

Fruit mix - I had  a sixth of a pack of frozen summer fruit mix (raspberries, blackberries, red currants, black currants) and half a jar of apple sauce. I defrosted the fruit and mixed into the apple sauce.

Spoon the sponge mix and fruit into the pastry case - try not to cover the fruit but spoon the mixtures next to each other. I added vanilla extract to the sponge but you could substitute some of the flour with ground almonds.

I served it with whipped cream. 

Everyone loved lunch!

Until tomorrow,

Love Froogs xxxxxxxxxx


Debt Busting Week!

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Hello Dear Reader,

I know what it's like to watch the month ticking away without a penny in my pocket. I know what it's like to no money for anything but basics and I know what it's like to be in debt. You see Dear Reader, those of you in debt didn't get that way by wanting to put yourselves on a financial precipice. You probably bought that car, or had that holiday or bought new clothes fully capable of paying for them eventually and then the cost of living rose and took away those 'easy payments' and made them extremely difficult. 

We moved to our current home when diesel was 85p a litre and a loaf of bread was 30p (for the value stuff). Our energy bills could be paid with £75 a month and I could run the washing machine and tumble drier and afford both. Then, 2008 occurred and the world tilted on it's financial axis and we've been out of kilter ever since. Suddenly, houses lost value, prices of everyday commodities, including food and fuel went through the roof. I was one of those people left in a very different financial place. I was in the position where I had to cut back and cut back, not to maintain a lifestyle but just afford my debts. Does this sound familiar to you? Then you are either in debt or you've been in debt. 

I blog every day and I do so in the hope that I can give just one person the encouragement to pay off their debts and live a simpler life. If just one person cuts up their credit cards and says 'No more spending on credit' then I will be a very very happy woman. We keep hearing the word 'austerity' and we think of life being austere. My life is not austere but overflowing with riches. When you strip your life back to what you need then you really do start to listen to bird song, savour in season strawberries and appreciate a crackling log fire. There is so much joy in having less and living more. Retail is not therapeutic, a walk on the moors and hill top view for free is all the therapy I need after a busy day! 

I know some of you reading this might have found me because you've googled 'debt busting' and this week, every post will be full of advice about getting rid of debt.......one pound/dollar/rupee.....at a time! On Sunday, I'm going to be on Radio Cornwall and I'm going to be talking about debt busting. My knowledge is about paying off debt with two jobs and both of us finding extra work to get more money in. I have no knowledge of the misery of spiralling debt that we couldn't control, couldn't pay back and couldn't cope with. I will be signposting agencies and charities that offer free debt counselling and advice and if you've used any, then I would be appreciative of a recommendation. I will be able to give budgeting advice and won't be afraid to share what I did to cut back and if people want to do likewise, then they are free to do so. I'm happy to give advice too if that's what folk want.

I would love you to email your: debt has gone and how we did it stories, up to our neck in debt and barely coping stories, what it's like to be in debt and struggling to pay it off stories to cornwall@bbc.co.uk and to title if for Frugal Queen on Sunday. I'm more than happy to mention no names to respect privacy. Please email cornwall@bbc.co.uk if I can give you any advice or encouragement on debt repayment. Please feel free to email cornwall@bbc.co.uk with any budgeting tips that would help folk keep their finances under control. 

Remember Dear Reader, I know what it's like to lose sleep over financial worries and I know what it's like to have to turn the heating off and leave it off because I just couldn't afford it. I also know what it's like to walk tall knowing I'm now debt free. Please share your stories here in comments, email me confidentially if I can help and come back for the rest of the week when I'll be sharing some advice about getting rid of debt and getting on with the rest of your life.



Until tomorrow,

Love Froogs 

What are you prepared to do to get rid of debt?

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Hello Dear Reader,

Ok? Let's get started! I want to share debt shredding advice. If you walk away from here and do one of these things then you will have taken the first steps to financial freedom! So, where do you start?

What debts do you have? Find all the paperwork, all the online statements and create a list, a note pad, or spread sheet of every debt. The car finance, the credit cards, the home loan, student loans, the furniture on finance, the mobile phone contracts, the Sky TV/cable contract and work out what you owe in total. People often think of debts as just credit cards but that £35 a month for 24 months for that i-phone contract is a debt. Now you have the list, you can have a got at any of the following, and not necessary in any order.

Cut up credit cards! You have got to stop racking up any more debt. To begin with, you will find this quite scary. Here in the UK, all medical care is covered so I can't think of anything that's a life or death emergency so you don't need credit. After you've cut them up, burn them! You can't see the long number, the expiry date or the security code on the back............there is nothing you can buy with this now! 

Stop Spending! You need food and to get to work! There is no need to buy another thing for a very long time. Wear the clothes you've got and don't worry if you've got nothing to wear as you're not going out again until those debts are gone! You will need to learn to mend and make do, to do without and to say no. In truth, you can't afford it. You won't be going to the cinema, to the theatre, to restaurants, on holiday, to parties, to weddings, to engagements to birthday parties as you are going to have a financial fast! You are going to go financially cold turkey. You will get the shakes, you will feel sick and you will be in pain but there is no experience on earth like being financially clean! 

Included in this is the elimination of everything you pay for that doesn't keep you alive! Sky TV does not keep you alive, Spotify does not keep you alive and nor does Netflix. Do not kid yourself that you NEED a mobile phone contract! You don't! Give notice to your TV and phone providers. Get a Freesat box or just use the desk top box and get digital for nothing more than the cost of your TV licence. Get a pay as you go sim card installed and set yourself a limit. That mobile phone contract that you pay for your kids? Most of it will be spent on snapchat, posing picture in the mirror in full war paint for Facebook and BBMing pointless messages to their mates! Get them a pay as you go card too! But really? They don't need it?

Cut your home running costs to the bare bones! Get a water meter installed and have showers instead of baths and only wash dirty clothes. Hang clothes up to air and wear them again, the same with towels! Turn the heating timer to an hour less a day and turn the thermostat down to 17 degrees. Wear more clothes indoors and keep the curtains closed when the heating is on. Turn off the lights in any rooms you are not in and make sure you don't leave anything on stand by. Make sure your freezer is full, if it isn't fill 2/3rds full plastic milk bottles with water and fill up any gaps in your freezer. Vacuum the back of your fridge freezer to get rid of dust so it's more efficient. Look after what ever you have because you won't be able to buy anything to replace it for a very long time. Get rid of your tumble drier and hang clothes up, either inside or out. In the winter, I accept that laundry can take 48 hours to dry. That's ok! 

Sell everything you don't need.  You're 46 and you are not having any more kids so get rid of the baby stuff in the lost and the toys your children (who've left home!) don't play with any more. Clean everything, photograph it and get it on ebay. You've used that kayak twice and it's faded on once side and you are not going to use it! That strimmer, that you've never taken out of the box...........get it on eBay. All those clothes that don't fit, all the CDs you don't listen to, all the DVDs you don't watch, get them on eBay. Make sure you cover your delivery costs but get rid of it. Any of the items that might go for 50p or £1, then sell at a car boot sale. If you found £10 in a pocket, you would be glad of it, so any money you make at a car boot sale is a bonus.

Set a realistic budget You will need two running totals on a spreadsheet or in a note book. All the money you have coming in. That's all you have. You then start to deduct everything going out. Mortgage or rent, utilities, debts (yes....debts third!) and food. That's all you are going to allow for. You've stopped the papers, cancelled the holiday, you can't afford any of the kids clubs, you won't be having a cut and colour and Christmas will be homemade! You will need to budget for a maximum of £20 a head for food and sundries including toiletries and yes I will be blogging how to do that. If the children need anything, this is the only place where you will be able to cut back and for a family of four, that means a budget for everything with £80 a week, which I think is incredibly generous and way more than anyone needs for food!

Plan for expenses Your car will need servicing and new tyres, the boiler will need servicing, the house and car will need insuring, Christmas and birthdays happen every year as do school holidays, dental check ups and Stronghold/Frontline for the pets. We know these happen every year at the same time. Ring round for boiler servicing quotes and keep the number and add 25% to the figure for increases. If that figure is £120, then you need to set aside £10 a month. If you plan to spend £200 at Christmas, then you need to set aside £16.66 a month. You need to lock this money away and don't touch it! It is not for 'emergencies' (like what?) but for planned bills. You can pay for home, car and boiler insurance monthly until you are debt free and again, pay it by DD on pay day.

Take control of your debts - How much are you paying in interest of each debt? Try to move debts to 0% balance transfer credit cards. We started off with £7.5K in credit card debts and were paying 14.5% at one stage and cleared them on 0% balance cards. Every time the deal came to an end, we would move them to another card. When the balance was zero, then we moved the remaining £4K on the car finance to two 0% cards and paid the car off as quickly as we could. Currently, 50% of our income goes to the mortgage payment and over payment and we live off the rest. When we were in debt, 25% of our income went to our debts and we just paid the minimum mortgage. Every penny that didn't keep us alive went to debt repayment.

Snowball your debts. Take a look at this debt snowball calculator. Gather up all of your statements and be prepared to just pay the minimum payment on all but one of your loans. It could be argued that you should pay off the loan with the highest interest rates first but we paid ours off from the smallest to the largest. We started with the overdraft and ended with the home loan. Now you have chosen which debt your are going to pay off first, you are going to throw every spare penny at it. You are going to set up a standing order or direct debit, or make payments online and you will pay this on the day your salary goes into your account. You are not going to 'wait until the end of the month' to see if there's anything left as there never will be! You are now going to stick at it, month after month after month and it will go eventually. On the very next month, you are going to take the minimum payment you were paying and the overpayment you were paying and add that to the next debt you are going to attack. Remember, whilst you're doing this, you are not spending any money and not racking up any more debt! At the end of every month, if you have £4.26 left, then you are going to go back online and transfer that to a debt. 

Keep trying and don't give up - At this stage, you might be feeling low, feeling bored and have some urge to have some fun and spend money. You might replace shopping centre shopping with charity shop shopping and money might start to dribble out of your house on things that do not keep you alive. Go for walks, go back to your local church or worship group that you've neglected for months/years, go running, dig a 'victory' garden and grow veg, read the books all over your house, watch the DVDs before you sell them at the car boot sale, learn a new skills such as quilting and relish the make do and mend mentality.

Be of the same mindset as your partner - Dearly Beloved and I did this together. When he needed a 'new' jacket, he scoured the charity shops. He became an eBay expert and bought vintage radios and cameras at local auction houses, split the lots and sold them on eBay. We became the 'pallet king' and kept us warm by splitting down pallets. He became my very own lumber jack and split logs. He happily didn't spend money and made do and mend, just as I do. Don't keep any financial secrets from each other and never spend any money with out the mutual consent of each other. Be each other's financial guardians and do everything you can to convince each other that you don't need it! I've had some sad stories of a frugal wife and spendthrift husband and sometimes the other way round. If you're not communicating then you might need to seek advice to get through this but do all you can to support each other through the debt repayment battle.


I'm going to be back tomorrow to try and help those of you to cut back your food costs and to find the joy in home cooking. If you want any advice, then feel free to email me at cornwall@bbc.co.uk and title it 'Frugal Queen' and I can discuss this on this Sunday's programme from 11- 12. I won't mention names if you don't want. You can also call in on 01872 22 22 22 on the Sunday and leave a message or speak to me. Send in your stories of life with debts or maybe stories of life after debts. To what lengths did you go to pay off debts or are you going to. 

Until then,

Love Froogs xxx





On the road to debt freedom yet?

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Hello Dear Reader,

If you did just one thing that I suggested yesterday to get rid of debt, then you are on the road to freedom. Here's the one thing I want you to do this week. I want you to stock take your house.

Go to your wardrobes and drawers and check all the items of clothing that you have. What can be sold? What needs laundering and hanging up ready to wear. What do you have that you can alter to make into a new outfit? Pair up all your socks, repair your tights and turn anything grey or baggy into dusters and dish clothes. Now assess what you have and take a make do and mend mentality. Create outfits and photograph them with garments side by side. Play with this and add a scarf or a darker t-shirt and look for more variations. 'Shop' your own wardrobe and make the most of what you have. If you really need something then take a look in the charity shops first. A word of warning about charity shops, do not use them for retail therapy - only go in them if you genuinely need something! 

Check your furniture. Does it need a steam clean? Does it need sanding and waxing? Does it need a coat of paint? You are going to 'shop' your house and make do with what you have. Do you have curtains you will never use? Try making loose covers or cushions to give your sofa a new look. Try sewing two sets of curtains together to have a two tone or cut into strips and sew together to get a totally new look altogether. Do you have any paint in the shed or under the stairs? Clean down and sand down the woodwork and freshen the place up. All this going to keep you busy? That's the point, busy people are never bored and don't have time for shopping.

Dig out your books and check what you have. Sort into those you will not keep and those you will read. Take all your cookery books to the kitchen and find space on a shelf for them. Underline the simple and affordable recipes and try them out. Now build time to sit and read your books. All those wasted hours in shopping centres will now be replaced with reading.

Tidy out your airing cupboard and check your linen. Sheets make useful dust covers for sofas to save them from wear, tear and pets. They also make good curtain liners to add extra warmth in the winter. You can use sheets as quilt backs and they also add extra insulation to your bed in the winter and I often use two bottom sheets along with a fleece blanket under them to keep us warm in an unheated house. Check your tea-towels and cut any down into napkins or dish clothes as you won't be buying any more kitchen rolls or paper tissues. You'll line dry them too! Check all your towels. The tatty ones can be cut down and made into wash mits - see here for instructions or flannels. Old towels make great door mats by doubling then and sewing them together like a quilt. On a wet day then can save any footprints that the door mat doesn't absorb. 

Stock take your kitchen. Over the next few weeks, you are going to use up that stir-fry sauce, you will use up those packets of rice, you will soak those pulses and use them. You are going to eat down your freezer and any stockpile you have. These are going to be difficult times and a perfect time to use up what you've been storing 'just in case'. Your mission is to eliminate food waste and use up whatever your have because it's good food and waste is a real shame. You are also going to menu plan with what you have first. If you have a mass of cous cous, rice or pasta then you don't need to buy any potatoes or oven chips as you have all the starch you need and you are going to make do.

Stock take your shed or garage. Is there a bike languishing in there? Have the children out grown their's? If so, either freecycle them (always someone worse off that you) or sell them. Learn how to service a bike via Youtube and sort your bikes out. You won't need a gym membership (never had one whilst I was in debt) as you are going to get out and about and ride that bike.

Check out your garden. Do you have any growing space for any veggies? As a word of caution, if you were starting from scratch, buying tools, wood for raised beds, netting, bean poles ect. then this can prove more expensive than vegetables from Harrods unless you are going to keep this us. It can be great fun but you are also at the mercy of a wet summer and shortened growing periods. Why not check out your garden and keep your lawn weed free, your hedges clipped and tidy, your borders can be bulked out with cuttings and by lifting and dividing plants. Keep your garden in order to maintain what you have.

Check out your empty spaces. Is that back bedroom empty? Rent it out on weekdays to folk working away from home. Is that shed empty then offer it for storage for payment. Is your garage or driveway devoid of any car? Then rent the space, especially is you  live in a city where car space is hard to find. More and more uni students are mature students and they don't want to live in Halls and they are willing to house share in term time only and are looking for somewhere quiet to study.

If you've checked everything out then sit back and count your blessings. You have plenty of clothes, serviceable furniture, plenty to do, plenty to read, a small income source and a welcoming garden. Now total how rich you feel and marvel in the fact that you need next to nothing.

You won't be shopping for years and this spirit of making the best of what you have will sustain your through debt repayments. Tomorrow, I will be focussing on the kitchen and cooking on a tight budget. 

Over to you Dear Reader. Who has sent an email to Radio Cornwall on cornwall@bbc.co.uk  Who is on their way to debt freedom? Who is taking the first steps? Who is scared to reduce their lifestyle and equally scared of the next bill they can not pay? There's no judgement here as I've been in debt and know how hard it is to get out of debt. Share your thoughts on debt busting week so far.

Until tomorrow,

Love Froogs xxxxxxxx

Debt in Britain

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Hello Dear Reader,

If you think you've got it tough then you are probably right. Food, fuel and utilities have spiralled in cost whilst workers have had below inflation pay increases, or year on year pay freezes or even pay cuts (DB had his public sector salary cut as the council 'restructured'). Those of us with diminished salaries are the lucky ones as we still have jobs. Currently 2.5 million Brits of working age have no jobs. Brits are turning to debts to pay the rent or mortgage, pay for food and pay for fuel to get to work. 

The days of good mortgage deals and cheap credit are over. Once upon a time, we could move our mortgages from one provider to the next for a better deal. Now, mortgages and low cost borrowing is scarce and if you have a mortgage deal at all, it's probably the best one you're going to get for a while. Brits are broke and spend £166 million a day on interest on personal debts. Some in the UK goes bankrupt every 5 minutes and every 17 minutes some one loses their home. Debt is not funny and it is eating some families whole! (Data from money.aol.co.uk/stats collected between Nov 2012 and Feb 2013)

So much debt is self inflicted madness and it certainly is not normal. Brits borrow more money than anyone else! We, as individuals, borrow more than our mainland European neighbours, more than Australians, more than Canadians and more than Americans. There is a massive nationwide cultural problem with debt and the recent figures are not new, they've been much the same as a percentage for the last ten years so we can't suddenly blame the economic downturn. It's part of the national psyche and culture. People borrow money straight from school and leave college with massive overdrafts from 'partying'. People borrow money for cars and holidays and consider them essential. I've heard it. "I work hard and I deserve a holiday". Although I don't dispute how hard anyone works, I would question anyone running up debts for non-essentials. By all means, buy a Nissan Micra and look after it and keep it for ten years, but don't finance a top of the range saloon because it will look good on the drive and impress your friends. Of course, take your self off for a camping holiday that you've saved for but don't think it's normal for you and your family to take a £5K holiday annually and pay it back on a credit card. As Brits, in comparison to the rest of the world..........our borrowing is not normal!

The result is a debt hangover that is going to hang around for a long time to come. Those debts people have are not going to go away unless those people who have them make fundamental changes. Most Brits do not have a set budget or plan for financial eventualities such as a new car, in fact, many of them wait for a financial hiccup to happen and deal with it when they get there. If anyone wants that financial hangover to go away then they have to take the pledge to never borrow again. If they want that hangover to never come back then they have to change their habits and save money each month for what they want. Even I have investigated car credit and then changed my mind and kept saving. Even I have looked at long haul winter holidays to escape the misery of winter fog and lack of light and reconciled myself to the fact that I will never be able to afford it. 

You'll probably wonder where this post is going tonight and now you are chewing on food for thought, I'll get to the heart of the matter. If you are currently wrapped up in two jumpers, with one light on and you've had bean stew for dinner then applaud yourself. I've been on a course today and passed and wanted fish and chips as a reward but talked myself out of it by the time I got home and we saved £10 because of that. If you are not going on holiday this year because you are saving up for one next year, then pat yourself on the back. If you are currently stripping your finances to the bone to pay back debts then cart wheel across the lawn as you have changed and you are making a difference. 

I'm sat typing this, on our second hand lap top, that we bought with cash from cash converters. It isn't the latest or the fastest but it was paid for in full on the day we brought it home. I'm sat on our 'new to us' sofas and they are not the most fashionable colours or style but they are the best quality I could afford and I paid cash for them that I'd saved. They took me a year to save for them and it's that mindset that makes them the most comfortable furniture I've ever had. I'm reclined on home made cushions, made from remnants of fabric that I bought in a jumble sale. I'm doing all this because I changed and didn't want to be a British statistic any longer. 

I'm happily in the unfashionable, boring, unadventurous, dry my knickers in front of the fire, bean stew eating and home crafting for a hobby club! I like it there! I like going without to save for what I need! I like wearing another jumper and I like not being on the hamster wheel of debt.

Now Dear Reader, this is where I challenge you. If you are in debt I want you to pledge what you are going to do to change. What are you going to do differently? What are you going to stop doing? I'm on radio Cornwall on Sunday morning and I would love to read out your comments and if you don't want to leave them here, then you can comment anonymously to cornwall@bbc.co.uk (title the email - for Frugal Queen) Who is going to pledge to do something differently to help them on the road to debt freedom?

I really look forward to hearing from you. 

I also would like to take this opportunity to thank everyone who comments, writes to me and sends emails to Radio Cornwall. I really love hearing from you all.

Until tomorrow,

Love Froogs xxxxxxx


When Debts hit the fan!

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Hello Dear Reader,

I'm writing this because June might be the month when you can't keep up appearances any more! This might be the month where you come clean with your creditors, your family and yourself about what you can afford to pay and what you can not afford to pay. If you have lost your job, if you have been made redundant and you are still job hunting then this is the post for you. 

You've got debts haven't you. You have more going out than you can manage. You are eating less food, you can't afford to get the MOT done on the car, your insurance policies can't be renewed and you often miss a mortgage or rent payment. This is you? To start, I want you to be honest. I want you to admit that these debts have weighed you down, have made your miserable, have caused you to lose sleep, have resulted in you on medication and your family life is suffering. This is you? 

If you think your situation is genuinely temporary then you could contact your bank, credit card company/ies in writing and tell them about your situation. Banks, credit card companies and utility companies have helpline numbers where you can discuss your situation. You may find this really difficult and you may feel anxious about this but being honest is the first step to getting help.You may be able to follow advice I've given this week and take control of your debts yourself. However, you may be getting by on benefits/welfare and the phone keeps ringing, the letters keep coming and the next step is a county court injunction and the bailiffs will be pounding on your door. 

If I'm talking to the right person, then you haven't got any money to give the courts, the bailiffs and you've already sold anything you have. You can't do any more and God knows you've tried. I'm going to try and help anyone navigate their way through the legal minefield of Debt repayment when you haven't go a hope in hell's chance of paying them back! There are plenty of routes but any journey across a minefield is precarious . Here are your options.

Debt Management PlansA Debt Management Plan is an agreement between you and your creditors to pay
all of your debts. You make regular payments to a licensed debt management company. The company then shares this money out between your creditors.


Get a Debt Management Plan

  1. Only set up a plan with a company licensed by the Office of Fair Trading. Find a licensed debt management company.
  2. The company works out your monthly payments. You’ll have to give details about your financial situation. For example, your assets, debts, income and creditors.
  3. The company contacts your creditors and asks them to agree to the plan (they don’t have to).

    Costs

    Some companies will charge:
    • a set up fee
    • a handling fee each time you make a payment
    Make sure you understand the costs of your plan.

    Eligibility

    Debt Management Plans can only be used to pay ‘unsecured’ debts – for example, debts that haven’t been guaranteed against your property.

    Your responsibilities

    Your plan can be cancelled if you don’t keep up your repayments.

    Citizens Advice, the National Debtline or StepChange Debt Charity can tell you if a Debt Management Plan is right for you.

    Administration orders

    If you have a county court or High Court judgment against you, which you can’t pay in full, an administration order is a way to deal with the debt.
    The debt must be less than £5,000.
    You make one payment a month to your local court. The court will divide this money between your creditors.
    Citizens Advice, the National Debtline or StepChange Debt Charity can tell you if an administration order is right for you.


    Get an administration order

    To apply, fill in an application for an administration order (N92), and return it to your local court.
    The court decides:
    • how much of your debt you have to repay – for example, all or just part of it
    • how much your monthly repayments will be
    • how long the arrangement lasts
    If you can’t pay all your debts the arrangement is known as a ‘composition order’.

    Costs

    There’s a court fee each time you make a payment. This can’t be more than 10% of your debt.
    ExampleIf you owe £5,000 the total fee can’t be more than £500.

    Eligibility

    You must:
    • owe less than £5,000, including any interest and charges
    • owe money to at least 2 creditors
    • prove you can afford your repayments - for example, give details of your income
    • have a county court or High Court judgment against you, which you can’t pay in full

    Your responsibilities

    You must keep up your repayments or the court can:
    • take money from your wages – known as an ‘attachment of earnings order’
    • cancel the arrangement.
    • Individual Voluntary Arrangements

      An Individual Voluntary Arrangement is an agreement with your creditors to pay all or part of your debts. You agree to make regular payments to an ‘insolvency practitioner’, who will divide this money between your creditors.
      Citizens Advice, the National Debtline or StepChange Debt Charity can tell you if an Individual Voluntary Arrangement is right for you.


      Get an IVA

      1. You can only get an Individual Voluntary Arrangement through an insolvency practitioner - find an insolvency practitioner.
      2. Your insolvency practitioner works out what you can afford to repay and how long the Individual Voluntary Arrangement lasts. You’ll have to give details about your financial situation. For example, your assets, debts, income and creditors.
      3. Your insolvency practitioner contacts your creditors. If those holding more than 75% of your debts agree to the Individual Voluntary Arrangement it will start. It will apply to all your creditors, including any who disagreed to it.

      Costs

      There are usually 2 fees:
      • a set up fee
      • a handling fee each time you make a payment
      Make sure you understand the costs before asking an insolvency practitioner to act for you.

      Your responsibilities

      Your Individual Voluntary Arrangement can be cancelled if you don’t keep up your repayments.

      5. Debt Relief Orders

      Debt Relief Orders (DROs) are one way to deal with your debts if you owe less than £15,000, have little spare income and don’t own your home.
      If you get one:
      • your creditors can’t recover their money without the court’s permission
      • you’re usually freed (‘discharged’) from your debts after 12 months

      Get a Debt Relief Order

      You get a DRO from the Official Receiver (an officer of the bankruptcy court), but you must apply through an authorised debt adviser. They’ll help you fill in the paperwork.
      To find an authorised debt adviser contact Citizens Advice,the National Debtline or StepChange Debt Charity.

      Costs

      The Official Receiver’s fee is £90. Your debt adviser can tell you how and when to pay it.

      Eligibility

      You’re generally eligible if all the below apply - you:
      • owe less than £15,000
      • have less than £50 a month spare income
      • have less than £300 worth of assets
      • have lived or worked in England and Wales within the last 3 years
      • haven’t applied for a DRO within the last 6 years

      Restrictions

      If you get a DRO you must follow rules called ‘restrictions’. You can’t:
      • borrow more than £500 without telling the lender about your DRO
      • act as the director of a company
      • create, manage or promote a company without the court’s permission
      • manage a business without telling those you do business with about your DRO

      When do the restrictions end?

      Check the Individual Insolvency Register to see when the restrictions end.
      The restrictions usually last 12 months. They can be extended if careless or dishonest behaviour caused your debt problem. For example, you lied to get credit.
      The Official Receiver will tell you if they should be extended. To extend them, you’ll be asked to agree to a Debt Relief Restrictions Undertaking. If you don’t agree, the court can issue a Debt Relief Restrictions Order.

      What you need to know

      DROs can be cancelled if:
      • your finances improve
      • you don’t co-operate with the Official Receiver - eg give them information they ask for
      Your DRO is added to the Individual Insolvency Register - it’s removed 3 months after the DRO ends.
      Your DRO will stay on your credit record for 6 years


      Get free help and advice for debt problems from:
Dear Reader, I hope you don't mind but I've spent a few hours reading around the topic and I wanted to signpost where people can get help if they just can't cope with debts any more. If you have lost your job and have been out of work for a while and you owe money, then face up to the reality that you can't afford to pay it. It's not nice and I can assure you that I am not being flippant and you are in my prayers. 



I will be on Radio Cornwall tomorrow and I hope you can email in your debt stories, your queries or requests for advice or any advice you can give to help people get out of debt. Send your emails to cornwall@bbc.co.uk - titled - for Frugal Queen by 11am GMT tomorrow and we will get through as many as we can on the programme. If you have used any of the methods I have listed or any of the debt advice charities, then drop an email to Radio Cornwall and we can share that with others. Your story might be the support that someone in debt needs.

I know that so many of you are really struggling. Next week, I will focus on food budgets, shopping, planning, shopping lists and I need spies all over the world! Where do you live? Where is it affordable to shop where you live? I want to know about Op shops, Thriftstores and charity shops where you are. I want to know where the markets are, where the butchers are, where the supermarkets are. Who's got the links to coupons? Who picked up a bargain and can share where before it's all gone.

Until tomorrow, please email into cornwall@bbc.co.uk with your debt stories and I will do my best to give advice to anyone who phones in 01872 22 22 22. You don't have to give your name but I will do all I can to give advice.

I'll put the listen again link up on the blog after the show.

Until tomorrow,

Love Froogs xxxxxxxx


Frugal Queen on the radio

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Hello Dear Reader,

Listen again to me on Radio Cornwall today - move the slider to the last hour and you can listen to me chatting to Debbie McCrory. ClickHERE 

Let me know if you listened and where you are as is great for Radio Cornwall to get listeners from far and wide. Did I miss anything out?

Until tomorrow,

Love Froogs xxxx

Ouch!

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Hello Dear Reader,

I've sprained my back! Nothing heroic, just stepped out of the bath, slipped and swore quite a bit! In the meantime, I'll share some Mickey Flanagan with you and if you press the link you can see, if you were anywhere near the O2 where to get Mickey Flanagan tickets





I'm really not up to a blog post tonight and I'm going back to funny clips on You Tube to cheer me up. What about your Dear Reader, have any of you been to comedy club? Any jokes? I could do with a laugh!

Until Tomorrow,

Love Froogs

This is a sponsored post and I'm being sent an Amazon voucher but I genuinely think he's funny and if I had the money I would spend it on a night of stand up xxx

Where to visit in Cornwall - Treasures on our doorstep

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Hello Dear Reader,

The weather has been wonderful today and I made sure we caught the last of the evening sun. We live eight miles north of the coast so it was a quick drive to Looe. People were still on the beach when we arrived, the part time fire fighters were practising their drill, the life boat was out and about honing their skills, people were jogging and swimming and many people were walking their dogs. 



 Here's the view from the end of the pier back towards the beach.



Here's the view from the pier to Rame Head.



 The beach at low tide. No dogs allowed on the beach.........but we wanted Dolly to paddle in the sea.



A Cornish street! People live above this.



View from Looe bridge out towards the mouth of the harbour.



 Retained fire fighter practising and checking equipment. The fire engine is so small to get around the narrow streets and lane. The four wheeled drive vehicle is for the other work they do such as cliff rescue.



I love the thought of paying the ferryman to take me from one side of the river to the other!



The mouth of the harbour and the lifeboat slipway.



Hannafore Beach! Hannafore is the 'posh' part of Looe. Massive houses, posh hotels BUT! plenty of free parking, a beach at low tide and you can take your dogs on this one! Dolly had her first sniff of the sea and took me where she wanted to go. She's such a nosey puppy and loved the shoreline.



Here's the view of all of Looe that I took at the end of our walk as we turned the corner and saw Looe again. I love these summer evenings and that it stays light until nine and that it was warm enough to walk around in a t-shirt. I consider myself so blessed to have such treasures on my doorstep. Thanks Dearly Beloved for dragging me out tonight, sometimes I just want to see the sea.Thanks for all the concerns about my backache......it helps if I keep moving and seems to only hurt now if I have to sit down at all.

Until tomorrow,

Love Froogs xxxxxxxx

How to stock take - Use it up and wear it out!

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Hello Dear Reader,

I'm getting up to speed with the deepest shade of frugal at the moment as we spent money on furniture and have to get financially back to square one again. I know I can do this and will do so by reigning in my food budget for July! It's going to be 'Just do with what I have July!' 

I'm going to put together a menu that uses up what I have and just makes do this July! I know it's June now but we can always make a head start. I've also decided that this summer will see all of the house painted and anything that needs 'making good' will be done. Watch this space as life goes, yet again, in a fresh direction!

Back to the deepest shade of frugal!

Here's what is here 



Here's what I plan to do.


  • The custard mix is low fat and relatively low calorie and I will make it up and take it to work decanted into smaller Tupperware pots to eat with some fruit for lunch. 
  • Tinned fruit gets decanted into Tupperware pots and taken for lunch instead of buying fresh fruit.
  • If you are being calorie conscious, then you can rinse tinned fruit in running water to remove the syrup and then eat it. I also puree it and use it as a coulis to have with fat free quark. I know it has some sugar but I will 'point it'.
  • Suet mix will be used for pastry to make pasties for DB to take to work - probably veggie for the month!
  • Crab cakes will be served twice! 
  • No bread will be bought, just home made - Yes! You can use ordinary flour, the bread isn't so light but it's perfectly OK for breakfast - with some of that jam!
  • Jif lemon gets used for cleaning most things and leaves everything smelling lovely along with bicarb -which will have to go on my shopping list.
  • I also have 15 litres of clothes washing liquid and about as much fabric conditioner so won't need to buy any of that this coming month either.
  • Corned beef, potato and onion individual pies or pasties - DB will eat these. I use my deep muffin tins to make these - lightly grease and tip out afterwards.
  • Pasta and cheese sauce with salad
  • I'll use up the potatoes in the cupboard and make us fish and chips this weekend as they won't keep.
  • Roast chicken x 4 - we eat the same two days running.
  • Herrings and salad for my lunch - massive amount of points and calories but I'll make that my main meal for the day.
  • Sardines on toast for a light supper.
  • Steamed salmon with a lemon sauce, green beans and new potatoes (tinned!)
  • Sirloin steaks - we just griddle them to rare and eat them with salad. - £1 each from our local butcher but you have to buy 10 at a time.
  • Sweetcorn fritters, sweet chilli sauce and salad.
  • Lots and lots of veggie sauce with pasta - low in calories, points blah, blah, blah and oh, very cheap.
  • Beany burgers made from tinned beans.
  • Stir fry veggies with noodles.
  • Roast veggie fajitas - toss veggies in oil with fajita spice mix and roast, serve in a tortilla or in my case, wrap in iceberg lettuce leaves.
  • Lamb shanks will be braised and I'll use the cranberry sauce with the stock to give it a sweetness in the absence of any red wine.
  • Falafels - it's a mix, but from approved food and three packs were £1 - each pack will make a meal for us, whether to take to lunch with salad or have for supper with roasted veggies.
Over to you Dear Reader. Feel free to leave any recipe ideas and suggestions and I'll gladly have a go. I'll be blogging just food for the next few weeks as I use this lot up. It means, my grocery shop will just be salad and veg and a few other bits each week but no where near my usual spend. 

Also, any other bloggers want to join in with 'Just make do with what I have July'?

I look forward to your suggestions.

Until tomorrow,

Love Froogs xxx

How to cook the basics - The classics that save you money

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(This post has been sponsored by a provider of motor traders insurance who specialise in classic cars. I'm interested in what they do as I love old cars and would happily go any buy one but worry about the logistics of getting insurance cover for one. DB and I both love the original Minis and don't think much at all of the new ones. Those iconic small cars were easy to find in our teens and early years of driving and my first memory of DB was of him tearing up the streets of Bath in his. I'm impressed with the service and range of insurances offered by Footman James and knowing what I know now, wouldn't hesitate in buying an old mini, travelling around Europe in it and reliving scenes from the Italian job! As I said, this post is sponsored and they can save you money insuring your classic cars and I can save you money by helping you cook classic recipes)

Hello Dear Reader,

As promised it's the start of 'Just do with what I have July'. I'm going to be sharing the deepest shades of frugal cooking to use up what I have. I cooked on Sunday and we're still eating pasties, scotch eggs, bolognaise sauce which can be made into lasagne or just served with pasta. I always make it go further by having it with green beans or sauted courgette strips or just a salad.

We make our own bread and even frugallers like us have some spare bread every now and then. I simply place a few slices in the food processor and wizz up some bread crumbs. These little bits of leftovers can make a real difference when I cook.

Scotch eggs - You will need: 1 pack of sausage meat, one bowl of homemade breadcrumbs, one beaten egg, 6 hard boiled eggs with shells removed.

1. Roll out your sausage meat on a floured board.
2. Cut into six squares
3. Place one egg on each square and bring the sausage meat up around the egg and mould until even.
4. Roll in beaten egg
5. Roll in bread crumbs and pat some on to give a crispy coating. 
6. Spray with fry light or any sprayable oil and bake in a medium oven for 15 - 20 minutes. Turn so crispy all over.

Fish Cakes - You will need - any fish - look out from frozen 'white' fish in the value section - check the back if it says Pollock, usually from Alaska, then it's a great fish. Either microwave on low for a few minutes until cooked or steam. Mashed potato, some parsley or even cooked leeks and mix the lot together. Roll in beaten egg and then roll in bread crumbs. It makes a small amount of fish go a long way. It's also a great way of hiding fish and veggies from children. To cook - either fry in shallow oil or spray with frylight or something similar and bake for 15-20 minutes in a hot oven. Serve with roasted veg or salad or even a mixture of seasonal steamed veggies. Dear Reader, I've even used just one small tin of tuna and it will make several fish cakes. 

Cheesey vegetables with a crispy coating. - You will need any cooked chunky vegetables such as butternut squash, carrots, onions, parsnips, courgettes then some steamed leeks, or cauliflower or green beans, all tipped into an oven proof dish. Make up a cheese sauce and stir into the vegetables. Use your breadcrumbs to form a crumble on top, stir some grated cheese, black pepper and mixed herbs through the breadcrumbs and sprinkle quite a thick layer on top. If you can pick any chicken from the left overs or some cooked sausages and chop those up to mix in with the vegetables, then it will make a bit of protein go a long way. Cook in a hot oven until the cheese sauce bubbles through the crumble and the top is crispy. Again, I give this a spray with frylight 




Pancakes! I love them and usually use them in savoury recipes. They are easy to make and can be separated with greaseproof paper, made in advance and heated in a medium oven on a plate covered in foil. 

Pancakes - Here is what you'll need - 250ml milk (don't have a measuring jug? - weigh 250g of milk) 2 medium eggs, 110g of plain flour and a pinch of salt. I use my stick blender for this and put the lot in a very high sided big jug and blitz until blended. If I have my food processor out, then I'll use that. If you make the batter mix in advance, the gluten strands will improve and you will make better pancakes. I sometimes make the batter a day in advance.



Here are some ideas of what you can do with your pancakes.

Left over bolognaise sauce - a spoonful in each pancake, roll and place in an oven proof dish - cover with a cheese sauce and bake in a hot oven for 20 - 30 minutes.

Spicy chick peas and butternut squash - Peel and chop one butternut squash, one onion and one courgette. Spray with oil and bake (I use my mini oven) for 20-30 minutes. In that time, make a cheese sauce or a tomato sauce. Open a tin of chick peas and drain. Combine the squash, onion and courgettes with the tin of chick peas, stir in any of your spice stir fry sauces that you bought in bulk from approved foods. You could use a supermarket value brand curry sauce or some harrisa paste and a tub of passata to make a sauce. Place a spoon full on each pancake, roll, cover in a cheese or tomato sauce and bake in a hot oven.

Any leftovers can be put into a pancake, such as left over roast chicken, some boiled and chopped gammon, if you defrosted too much fish or you have some left over cooked vegetables. I would mix with a cheesy sauce and then cover it all with a tomato based sauce or the other way round and mix the leftovers with a tomato based sauce and cover with a cheesy sauce. I will be making quite a few pancakes as I have a lot of flour and there won't be much meat so this is a good way to make vegetables interesting.

Finally, homemade bread. I can (and do) buy bread flour from Lidl or Aldi for about 60p a bag and can make four loaves for that in my bread machine. If you have a bread machine, then this is the time to dust it off, find the instructions of use Google to find the instructions and make your own bread. I want to know who does and if it saves you any money. 

These classic money saving recipes might seem very weekday and boring but having a few 'go to' staples in your repertoire saves a fortune as it will use up the most basic ingredients and make a tasty supper at a low price. Here's another classic of veggie lasagne for you to peruse or even try.

Over to you Dear Reader, give me some more ideas for breadcrumbs. I never throw a crust away and I never waste any food if I can possibly help it. More savoury pancake ideas please. I would love to hear from anyone who has started to 'Just do with what I have'. I look forward to hearing from you all. 

Until tomorrow, 

Love Froogs xxxx

This is a sponsored post and I have been sent a supermarket voucher for this. 

How to use pulses

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Hello Dear Reader,

In the spirit of use it up and wear it out, I'm going to use all of the pulses that I have lurking around. Pulses are a good source of protein, but beware they are also high in starch and not great for the fat fighters amongst us so don't eat them with abandon unless you want to get bigger not smaller. They are low in fat and can be tasty if you know what to do with them. I use beans in salads and dress them with a low oil version of vinaigrette along with shallots and tomatoes. I use sprouted beans in salads and they are great in sandwiches with some hummus, which again is made from pulses.



The bean mix will need soaking over night and in the morning, I will change the water and bring them to the boil in a deep pan as instructed on the back of the packet. I make sure I always cook them for long enough and follow the instructions. I will also use the bean mix in veggie soup that I will make for lunches. I will use up all the stored goods!



The sprouting seed mix will take a week to germinate and sprout. It is incredibly high in nutrients and vitamins and I have always loved sprouting salad. You can sprout salad in a jam jar. You can soak them for a few hours first to swell the beans and speed up germination but you don't have to....I don't and they germinate just fine.



I use two tablespoons per tray and rinse them twice a day, morning and evening. They will sprout in 4 - 7 days depending on the temperature. Once they have sprouted, rinse again and store in the fridge. If you don't eat them that day then rinse them every day.



Here's a fabulous video about how to make your own sprouter. They have other interesting sustainable living films too, take a look at them if you're interested.




Over to you Dear Reader. Who's got their finger on the pulses? Who will admit they've got some in the cupboard and do not have a clue what to do with them. Who is vegan or veggie and uses these all the time? Who has some great recipes or ideas. I think they are a great addition to our diets, they are cheap, go a long way, they're nutritious and really versatile but what do you think.

As ever, I really look forward to your comments.

Until tomorrow,

Love Froogs 

How to menu plan - Three week menu plan

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Hello Dear Reader,

A quick post today and I wanted to share my menu plans for my 'Just do with what I have July' menu planning. We always eat the same meal on Sunday and Monday. I just plate up four meals and cover two and put them in the fridge and just eat 'Ding Cuisine' on a Monday. We all need a day off cooking. I pass the local pizza/takeaway shop on my way home from work and it's always busy. I'm sure every one needs a day off cooking and a little planning keeps us out of the takeaway.

Where ever you see the word 'salad' it will be supplemented with either rice or cous cous. I have plenty of tinned pulses and will be adding them to salads too. I make my own salad dressing with oil, vinegar and Dijon mustard. Salads are a mixture of tomato, cucumber, grated carrots, shredded white cabbage. I sometimes add tinned cooked new potatoes and will be adding cooked beans such as haricot or kidney.

I have to make two loaves of bread for DB to have toast and sandwiches and shop for the following.

'Just make do with what I have' shopping list - dried cat food,95p 1 pack bathroom tissue,1.59 1 iceberg,49p 2 packs cherry tomatoes,98p 1 punnet of mushrooms,89p frozen mixed veg,£1 - Morrisons frozen green beans, £1 Morrisons 3 courgettes,89p 1 butternut squash,89p 1 small bag of value potatoes,£1.89 1 bag of carrots,75p onions,69p 4 litres of skimmed milk,£2.12 2 packs bananas, £2.46 2 packs apples,£2.78  2 large tub of natural yoghurt, £1.58 1 pack of wafer thin ham.£1.79, DB deodorant 89p, 4 pack plain soap, 89p, parmigiano reggiano cheese, £2.89 (lasts for weeks and flavours anything cheesey), custard creams 26p, shortcake biscuits 39p, Gravy Bone dog biscuits (puppy training treats) 89p - £28.95! Fresh fruit and vegetables are so expensive and even with planning, my bill is still very high for just the two of us. 

I have the rest and even if I don't like it, or I'm not that keen, I'm going to use it up and make do with what I have. Now, it's over to you all. I want you all to share your 'make do with what you have' menus. If you are 'up for this' then leave a link to your blog in the comments and I'll put hyperlinks into Monday's blog post and subsequent posts to share our menu planning from around the world. Lots of really cheap but healthy food ideas would be great, especially ones that use pasta, rice and cous cous as I'm up to my knees in the stuff!

I'm off to do my week's shop and make some bread and a fruit cake.

Until tomorrow,

Love Froogs xxxxx

How to haggle for the best price

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Hello Dear Reader,

This is not a sponsored post and I haven't paid for this but I do work with MoneySupermarket on various money saving campaigns where they ask for my imput. I was asked for my haggling tips which they've added to the infographic. 

I'm a haggler by nature. I'm also really cheeky and not afraid to ask for something for nothing. I'll haggle at least 20% discount on shoes if one has been on the shelf and has been tried on...........I'll remind them that one shoe is now second hand! I'll also haggle for free shoe polish. I haggled for a cheaper price on my lounge furniture and told them I would buy it for the right price and free delivery. I haggle on work I have done on my home and tell them that I'm sure we can come to a mutually agreeable price. I haggle with sponsors and never tell them a price out right and let them offer me something then haggle to get the price up to where I would prefer. I haggle at car boot sales and ask 'What else can you throw in?' I haggle at jumble sales towards the end and ask how many items I can have for 50p or £1. I have been told to get knotted on more than one occasions but I've lived to tell the tale.

I hope you enjoy the infographic and it was great to get my contribution added.

Now, Dear Reader, let me know, are you a haggler? Is it just not British? Who is never going to accept the price asked ever again?


Spinach and Mushroom Risotto

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Hello Dear Reader,

My oh my! For 'Just doing with what I have' - this was delicious! We have so much to thank Italy for, ice cream, Gino D'acampo and wonderful risotto. It's just a huge bowl of deliciousness and no matter how much I reduce the portion size, I always feel totally stuffed. I have a rice mountain in my larder cupboards so rice is big part of my 'Just doing with what I have' menu planning. If you've ever made risotto, then you are told to add the stock bit by bit, I don't do that. I add some, loosen up the rice until it starts to absorb and then add all of the rest and just stir over a gentle heat. Also, I only use a small amount of Parmesan cheese and don't add much butter either. I think the glutinous nature of the rice adds to the silky texture.

1 tbsp oilive oil - 5p
1 tbsp butter/marg - 5p
2 large cloves of garlic crushed
1 onion finely chopped 23p
140g mushrooms sliced - half a punnet - 45p
140g of Arborio rice - 30p
4 sun dried tomatoes - diced - 11p - you could leave these out
2 veg stock cube and 650ml of boiling water - dissolved
2 tablespoon of dried parsley or fresh chopped from your garden - 3p
25g parmesan cheese - finely grated - 36p
100g spinach - half a bag - 45p

Total cost £2.03 - as ever in Frugal Towers, that's supper for £1 per person. To be truthful, this could have fed four and we could have eaten this with some homemade bread and some salad but it was delicious albeit too much.

How to make it?

1. Dissolve the stock cubes in boiling water
2. Heat the oil and butter
3. Fry off the mushrooms, onion and garlic,
4. Add the rice until it absorbs any butter or oil,
5. Add the stock, bit by bit, stirring all the time until absorbed
6. Whilst doing this, add the Parmesan and sun dried tomatoes,
7. Keep stirring, check the rice is soft but not mushy.
8. Add the spinach and stir through until it wilts.
9. Serve straight away.



I thought I would show you the progress of my sprouting salad. It will be ready to eat at the weekend. That's one half eaten packet of rice - gone! The sprouting seeds had been in the cupboard for months too. What have you eaten today? Who's using up what they have and can share it with all of us?

Over to you Dear Reader. Who isn't going to need to shop this week and is eating what they have? I saved half my shopping bill this week and I think I can do the same for the next three weeks. Who else is just making do with what's in the cupboard, freezer or pantry?

Until tomorrow,

Love Froogs 



Making the most of a slow cooker or crock pot

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Hello Dear Reader,

Vegetables have to be able to get up and walk away on their own before I throw them away. Scruffy ends of celery can be used if you chop them up and throw them in a sauce or stew. It also doesn't have to be winter for me to use my slow cooker or crock pot. How many of you use yours in the winter but stow it away in the summer months. It saves me so much money that I would otherwise spend running the electric oven. It even uses less electricity than my mini-oven.

We both get back from work by six in the evening and after work and an hour in the gym, I'm really hungry and it's great to be able to eat really quickly. I try and use my slow cooker all year round as it saves me time and a lot of money too.

Beef Stew and Dumpling - Serves 4.

375g of Braising Steak - £1.50 - Here's how I bulk buy from the butchers to save money on local meat.
1 onion 23p
2 carrots 7p
half a head of celery 35p
1 pack of dumpling mix - 20p (5 for £1 - Approved Foods)
Mixed beans 23p
Beef Casserole recipe mix - 10p (10 for £1 - Approved Foods)
1 tin of peas - 20p
Spring greens - 69p

Total - £3.34 - 83p per serving.



There's two parts to this - AM & PM.

Before work, cut beef into cubes, peel and chop carrots, celery and onions, take beans out of the fridge that I'd cooked earlier and add the lot to the slow cooker. You can add or use any vegetables that you have. Just use them up. Use anything from the freezer, that you've canned yourself or that is in a tin in the cupboard. If you have an abundance of chick peas then use them. I used a pack of recipe mix, which made the gravy and added that. I then stirred it, switched it on and went to work for the day.

After work, I followed the instructions on the dumpling mix and formed them into six dumplings. Two for DB and one for me. I balanced them on top of the bubbling stew and prepared the spring greens. I finely sliced them, rinsed them and steamed them. Whilst it was all cooking, I went out to sweep the driveway and water the garden. I popped the tinned peas, minus the tin of course, into a bowl and microwaved them.




 Well, Gordon Ramsay did not cook this dinner! It would not have been my first choice on a warm summer's evening but it is using up what we have! I didn't intend to stretch it to four portions but now I have tomorrow's dinner ready for 'ding cuisine' and it means I can spend more time in the garden and less time in the kitchen, plus there will just be two plates to wash. Everyone's a winner!


 I thought I would show you my food savers, which covers the food in the fridge and when I reheat them.

That's another part of the stockpile eaten. Ladies and Gentlemen, I am on a roll!!!! How's everyone else's frugal food faring? Who else keeps their meals under or around a pound? No idea if you can eat a meal for an Australian, Canadian, American or New Zealand dollar? How about the readers in the Eurozone, can you eat for a euro? Let me know what frugal fare you can cook for your equivlent of £1.

Take a look at Mandy's blog - she's on board - click here

Until tomorrow,


Love Froogs xxxx

Coping with the costs of school trips

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Hello Dear Reader,

It's that time of year again! As a parent, I knew about this time of year from September onwards and it worried me from September onwards. If this time of year is breaking the bank or in my case my spirit, then you know I am talking about 'activities week'. My kids used to bring home letters for kayaking in the Ardeche, trips to Barcelona, German exchange and wildlife trips to Madagascar. They went on some of the trips some of the time, but I can assure you that it was at the expense of us as a family have a trip together. 

I've been getting emails from worried parents who are struggling with the bills for expensive trips when they can't afford it. It didn't used to upset me but infuriate me that schools could divide up the rich children from the poor children and exclude some of the children from learning experiences based on parental income. However, this seems to be increasingly the norm in schools all over the UK and yet the recession deepens. In real terms incomes are falling, the cost of living is increasing but according to readers, parents are being asked to find sometimes £700 - £1500 for school trips to far flung and exotic destinations.



Activities such as coasteering, kayaking, sailing or rock climbing can cost £50 - £75 a day. I'm a great believer in stretching and challenging children but a week of this would be totally unaffordable for most families.



Just do a google search dear readers and you can find organised excursions for UK schools to all parts of the world. I knew of a school that took the school orchestra to Australia! The students fund raised but mostly paid their own way. Schools regularly take a skiing trip each year and parents get the opportunity to pay monthly instalments. I feel that expensive school trips are that they are socially divisive and if I were the secretary of state for education, I would set a cost cap that any school could charge for school trips at an amount that even parents on minimum wage could afford.  Life is divisive enough without parents worrying about the cost of education which is technically paid for by taxation.



I will add, for those who live outside the UK, that some schools have abandoned 'activities week' because the whole process is divisive and parents couldn't afford the activities. I know schools that offer activities that are free or at a very low cost. I really enjoy taking children on trips where they can learn in other ways and will often see the best of them outside the classroom. Some families make the decision to not have a holiday as a family and pay for their children to go on activities week instead. 

When my children were at school, I was a mature student who worked for minimum wage and DB also had a low paid job. We did our best and kept a roof over our head and food on the table. Our children didn't have much but did go on some of the school trips. I remember getting 'the letter' and almost shaking and crying with despair at how I would find the money to pay for it. I really feel for parents who are struggling and would say this to them. If you can't afford it, talk to the school as a lot of them can help with costs. If you feel the school is being socially divisive then write to the Chair of Governors and politely voice your concerns. You have a right to express your opinions. My heart goes out to parents who have to say no to their children when the children know they are being left out. Life can be very unfair.

Over to you Dear Reader, I would love to know your opinions on the increasing costs of 'extras' that parents are being asked to pay towards their children's education. What bank and back breaking costs do you have to pay for? How expensive are some of these school trips? Dear American readers, did you find the money for your children to go to summer camp? What do other parents in other countries have to pay for school excursions? Does anyone have children at a school that doesn't have activities week?

Until tomorrow,

Love Froogs xxxx

Salmon Fish Cakes and Sweet Chilli Sauce

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Hello Dear Reader,

I love sprouts. I usually sprout seeds in the depths of winter to get some 'fresh veggies'. I'm using up what I have so these seeds were found at the back of the cupboard. I eat the 'sprouts' raw in salad.

Salmon Fishcakes and Sweet Chilli Sauce.

500g of cooked mashed potato 36p
250g of cooked salmon - £1.50
1 beaten egg - 17p
1 tablespoon of dried chopped parsley -12p
3 tablespoons of flour 3p
2 slices of homemade bread - crumbed in the food processor - 3p
Squirt of value ketchup - 2p 
Total - £2.23. Makes 8 - 28p each. I used four on each plate for the sake of the photograph but we only ate two each and we'll have the other two for lunch tomorrow.

1/4 bag of rocket - 23p
1/4 bag of baby leaf spinach 23p
sprouting salad.

Total cost of dinner - 79p per person.

I added two hard boiled eggs because I'd cooked them for sandwiches and they hadn't been eaten and I didn't want to waste them.


Combine the mashed potatoes, flaked salmon (I cooked mine in the microwave for two minutes), parsley and squirt of ketchup. You do not need to add left over hard boiled egg!

Form into patties with your hands and roll in flour.



Dip in egg and then roll in breadcrumbs. They will all stick to your fingers but never mind, it all washed off. 

Heat a small amount of oil in a non stick pan and fry on a low heat, allow to crisp on one side before you turn them over. 

For those who have asked - this is rocket. A peppery and extremely tasty salad leaf.


Here are the cooked Salmon Fish cakes. I bought my sweet chilli sauce from Approved Food and three bottles cost £1. Anything 'fishy' is great with sweet chilli sauce, including crab cakes.


Here's our finished supper and as I said, the plates are piled high for photographic purposes but we only needed two each. This is what a 79p supper looks like in our house!


Close up of the sprouting salad alongside the fish cakes.


Here's what the insides look like with the crispy breadcrumb coating. If you want to make fish cakes, you can use tinned salmon, tinned tuna, yellow stickered reduced smoked haddock, try with smoked mackerel as you can buy them for around £1 each. You could make a veggie version with steam leeks and cheddar. Over to you now Dear Reader, who else is eating really well from their store cupboards? Who else has some ideas for fish cakes? 

Until tomorrow,

Love Froogs xxx

Spiralling Cost of Food and Veggie Paella

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Hello Dear Reader,

Take a good look at £28! Blink and you'll miss it! If you squint really hard, you'l find one luxury item - sun dried tomatoes. They make any meal tastier and cost £1.19. The only meat is ham for our lunches at £1.79 a pack and the peppers are becoming prohibitively expensive and I'll have to use frozen in the future. 

We both have good jobs and a reasonable budget for food and could spend more than we do. My great concerns are for the families up and down the UK who just can't afford fresh fruit and vegetables, fresh milk or dairy products and rarely if at all eat meat. Meat isn't essential but good proteins take some creativity if you can't afford soya or quorn either. Unfortunately, junk food is cheap. Starchy cakes, pizza, frozen chips are cheap in comparison to fresh fruit and veg. The only fruit we buy are apples and bananas and they cost us around £3.50 a week, it would be double that if there were children in the house. I'm becoming increasingly concerned for British families who are struggling to eat fresh healthy food. 


I'm not an extravagant shopper and some of the items I bought will last a lot longer than one week and I won't need to buy them next week such as: Bran Flakes, Loo Rolls, refuse sacks, lard and marg for pastry (to make pasties for DB's lunches) and Bread Flour (only £1 in Aldi and £2 anywhere else).


Tonight's supper - Veggie Paella with a handful of prawns found lurking in a bag in the bottom of the freezer!

Serves 4

500-600ml of vegetable stock - made from cubes from Approved Food.
200g of long grained rice - I have the European rice mountain in my cupboard.
1 onion finely diced.
3 garlic cloves - crushed.
2 courgettes - diced - not essential but I'm using them up
1 diced red pepper
1 cup of frozen peas.
Tablespoon of dried parsley
Tablespoon of Paella seasoning - some one brought this back from Tenerife for me and it goes on and on. You can use smoked paprika if you don't have any.
You can add any cooked meat, such as gammon, chicken or any fish or just have it with veggies.


1. Make the stock
2. Fry the onion, garlic, peppers, courgettes and peas,
3.Add the stock and rice and seasoning.
4 - If too dry add stock, if too wet, add rice
5. Stir over a low heat until rice is soft and fluids absorbed
6. Ta-da!!! Paella


It's totally delicious and wonderful comfort food. 


Now some news! We're in the middle of operation deep clean and tidy along with back breaking gardening as we've booked some estate agents to come and appraise our house with the intention of putting it on the market. We're having another attempt at downsizing! We've no idea to where, just South East Cornwall and wherever we can afford and can get a mortgage on. You heard it here first. It will be a few week before the house goes on the market but the adventure begins!

Over to you Dear Reader, who else is increasingly concerned about the price of food? Let me know or just have a good moan! We'll all be digging for victory at this rate!

Until tomorrow,

Love Froogs xxxxxxxx

Finding Good Value Clothing at affordable prices

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Hello Dear Reader,

I am a long legged tall bird! Six Foot plus in heels! Finding clothes to fit is a nightmare! Dresses have waists too high because my body is longer than average. Trousers have waists too low because my body length is not standard. Jackets don't fit as the arm holes are not deep enough for me. Consequently, I am a dreadful shopper. There is nothing like clothes shopping to make me feel like an ugly freak. If you work in a clothes shop then please be patient with me when I come. I am likely to try on everything in the shop and I might find just one thing that will fit me. Currently, tunic tops are fashionable and on me, they are just long enough. 

I was asked to place an advert for Bonmarche on my blog and before I agreed, I went to visit their local store. Firstly, why haven't I been in here before? Secondly, they make clothes that fit normal women, even the display mannequins are based on normal bodies. Although I didn't buy anything, the thing that impressed me most was the empathetic attitude of the staff to my sizing dilemmas. Their clothing is budget and is priced well but like other budget stores, they had no tall clothing and their trousers all had 29" inside legs and mine at are 33".Their dresses were sized to 39.5" from the nape to the seam and I need a dress of 50" to be a modest mid calf. Their tunic tops were gorgeous and one is on the way to me in part payment for the infographic. I'm a 'modest' dresser and like clothes to completely cover, look appropriate and be well made and if I was six inches shorter then I could have happily bought anything in the store. I've got to mention their staff in the Cornwall St store in New George Street as they really couldn't have done more for me.

You might be asking why a frugalista like myself buys new clothes and not just clothes from charity shops. I certainly do use charity shops but I'm faced with the same issue, not many women are 6' in heels with legs like stilts. So, in the interest of good value and good research I will look for clothes anywhere and in all the budget stores as that's my affordable price range. 


Over to you Dear Reader, where do you find good value and good service at affordable prices. Who else uses budget stores for clothing? Who else has difficulties finding clothes to fit due to sizing issues? Who else is modest dresser and finds it difficult to look stylish with out dressing like your gran? Oh the dilemmas of clothing, please share and leave a comment.

Until tomorrow,

Love Froogs

Disclaimer - I am being sent 'tops' from the new lines from Bonmarche and I'm looking forward to them. I have been paid to place this advert but my opinions about the quality and service are genuinely my own.
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