Thrifty and Frugal
I am trying my best to be both thrifty and frugal, but think I could be falling behind on this due to some pretty large expenditures this month and next month. Heck from now until the end of the year there are some pretty big expenditures.
Also, since I turn 71 this year my RRSP's here in Canada have to be turned into RIFF's. I really was not paying attention or I would have moved a few more into my Tax Free Savings Account. Just goes to show one that "You snooze, you lose" is quite true.
Our furnace still has not been turned on. Instead I have been turning on my electric fireplace to take the chill off the front rooms in the morning. By the time an hour goes by the temperature has risen and I can turn it off.
I was surprised by the air conditioner coming on a few times. Finally realized it was because the oven was on getting pumpkins processed, bread baked and pies made. I will open some windows tomorrow when I bake the birthday cake, and cookies. That should help keep the air from coming on.
Hanging as much as possible on the lines downstairs.
Washing only full loads in the clothes washer, and in the dishwasher.
Eating leftovers for my lunches.
Saving all meal leftovers to use in another meal or two if possible.
Still using up yarn and embroidery floss.
Working on finding out what needs to be repaired before winter hits.
Using as many appliances to cook as possible.
Still researching meatless meals online.
Did not purchase birthday cards for Kurt and Kris. They usually just take their birthday money out and throw away the card. So I saved quite a bit today.
Still combining as many errands as possible.
Everybody have a wonderful evening.
God bless.
I don't know why - but it seems the big things happen at the end of the year here as well. It is frustrating - but that is why we do frugal all year. Glad you haven't had to use the heat yet - it sounds cold there.
ReplyDeleteIn the US our investments become vested at 73. I have a little over a year to go before things start changing and taxes will be paid on mandatory withdrawals. I have a plan in the works. It does sneak up on you.
ENJOY your weekend - sounds like you are getting ready!
there are many good sites online for meatless dishes I have signed up to follow this one: https://plantbasedonabudget.com/
ReplyDeleteIt's getting harder to be thrifty and frugal, but we find ways where we can - you're a master at it!
ReplyDeleteI was fortunate (or maybe not) to have lots of room in my TFSA to move much of my RRSP funds. However, it is taxed at that time so no real savings, at least in my mind, to when it is a required withdrawal at the age of 71. My plan was to use the RSP funds for a single trip a year, though I haven't used it for that purpose for a couple of years.
ReplyDeleteOur furnace has kicked in the last few mornings, just to take the chill off the house. It runs once or twice - no a/c kicking in because we've switched to heat.
I don't do birthday cards either, no one keeps them.
You are doing well - we've been doing a lot of eating of leftovers at our house. I'm excited that there are no leftovers today, and I can make a sandwich instead! ;-) We rarely have bread, and today we have fresh sourdough & I won't feel compelled to eat the leftovers. It's the small things. - Hawaii Planner
ReplyDeleteI realize with the price of meat that people want to give it up but seriously? It is a very important of what makes our bodies tick and I'd hate to see too many 'meatless' meals. Sorry, just being honest in my thoughts.
ReplyDeleteI don't normally do birthday cards for anyone other than our grandies who get a kick out of getting mail. Otherwise I subscribe to one of the online card services and for a small fee I can send as many cards throughout the year as I'd like. This morning I sent a bunch of Thanksgiving cards which I definitely wouldn't be doing if I were using paper cards.
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