Wednesday, 28 May 2014

Well, here's the dead hedge, bumbling along, turning itself quietly into a wildlife habitat.

It is hard to think about leaving here, but we do think about how we really must try to bust a gut to buy some place.

We're applying for shared ownership properties in town - we'd keep our rented land, and keep our life, but start with the Big Girl Knickers and buy the roof over our head - and although this time around it seems unlikely, it's giving us a feel for what we need to do.

I've been looking at budget planners, and following Frugal Queen's new webinar series. The problem for us seems to be the complicated nature of our outgoings. There are a hundred columns on my spreadsheet. So I'm going to address that somehow, because we need to pay down debt and get ourselves into our own home some how.

Meanwhile I've been selling at the local Country Market. If you're not familiar with Country Markets please look up your local one and take a look. Really wonderful locally grown, baked and crafted goods are on sale at fabulous prices, plus friendly faces and (I can only speak for Pewsey) fabulous coffee.

We take along wonderful small culinary herb plants for a pound a pot, as well as some bigger and more exciting herbs, some baked goods including our signature Homity Pies, and I plan to start to take along some crafted items too.

Diploma work has ground to a halt. I just don't seem to have the hours in the day.  However it is half term, and it's a great joy that H is out working with her dad - who is now back into the family business of painting and decorating - as well as studying hard for her exams.

Boo is also studying, learning clarinet and gearing up for the new sheepdog trial season.

Well, that was a bit of a random round up.  Focus on the finances coming up!

Thursday, 8 May 2014

When the answer is 'both'

We have been struggling to keep up of late.

I'm working more hours, the girls have exams, the garden is getting away from us, and as for the field!

We've a possible move on the cards - to a tiny house but one we might own in part - but we can't know if that is either possible or the right thing to do, as yet.

I have stayed awake long hours praying and listening on this. Should I give up this job? It's stopping us from living out our agrarian calling.

Should I keep this job? It's helping to keep us afloat financially.

Should we stay here, where we feel called to things we have not yet achieved.

Should we bust a gut and break ourselves to move, and break the bondage and poor stewardship of excessive rent.

Work or farm? Home or House? Earn or Produce?

Right now, all I ever hear is : both.

And that's too hard.

Thursday, 20 March 2014


So as we seem to have gone nearly a month without an update ...

My new job is going well, though it is time consuming and I'm having a bit of a panic about the garden. Neil is making ends meet with various income streams, and seems to be pretty busy back in his old family niche of painting and decorating.

We have been doing really well on the budget - but a bit of a curved ball came our way this week when a good, long run of p and d work was offered, which simply doesn't fit in with school runs. We needed another car.

Prayers were answered and I found an advert for a suitable little run around, at a bargain price - and because we had been hoarding every penny towards our emergency fund, it is not the end of the world. It is the end of the emergency fund, but we can start again, we don't need to borrow more money. I'm so happy about that bit!

The veg garden is not going as well as it should, and I have to remind myself that this is commitment number two, and also keep one eye open on any chances to kickstart the herb and flower side of things.

When it's dark, I'm working on another project which I hope will bring in some much needed funds - I need to get a bit more done on that one before I announce it.

As it's the first day of spring,  I suppose I ought to be spring cleaning as well. Rejoining FlyLady is on my list. It just hasn't hit the top yet!

How is spring going for you?

Tuesday, 25 February 2014

Starting on Plan

As a result of our drive to cut down, we will have for sale some livestock. If you are interested, please get in touch. They will be advertised on the farm blog soon. Basically, it will amount to three goats, quite soon. A selection of ewes with lambs at foot, after lambing, so on into May or June. Last but not least, one gorgeous welsh mountain mare, once she is cleaned up from all this mud, and has seen a show ring or two, so June, July time.

I have been studying Elaine's great tips at Mortgage Free in Three and have started a goal grid, to get our emergency fund back - we used it all up when the emergency of unemployment hit yet again. Neil has nearly finished a decorating job right now, so I am awaiting that payment, to divide it up between our needs. Meanwhile, anything not immediately accounted for has gone into our fund.

We also managed to sell a little chest of drawers, which Neil had been asked to take to the tip!!! So that small handful of cash is going in the fund, as well.

I've coloured in quite a few squares, and actually, it is quite motivating!

I've also printed off the forms to join our local credit union, done a lot of training for my new job, and thought up a mini challenge for March.

Finally today, I enjoyed the Great British Sewing Bee. I'm really liking this show, and it is inspiring me to attack the 'sewing room' which is actually a section of the landing! Must get to doing useful things with fabric once again.

What small victories are  you celebrating this week?

Saturday, 22 February 2014

Hard Rain's Gonna Fall

As if it hadn't already.

We're holed up this weekend working on a budget and issuing ourselves a challenge - we have financial issues we need to deal with, and they're not getting any better. Neil is still without a 'regular' job, and although I do have work, actually getting to do the maximum number of hours available is made harder by our dis-organisation and over-commitment. I did say it was going to be hard.

We have rented this house and lived the dream for too long - how we ended up renting and living what passes for a dream is another story - and we have to get our house in order. In fact, we have to get our house.

We have two teenage children, and even if we work every waking minute and focus like there was no tomorrow on getting out of debt and into saving, it's too late to make a significant impact before at least one of them is thinking of leaving home. That hurts. It humbles us and makes us ashamed to have got to this point.

Hey, there were good things. They had a magical childhood, and at the time, they  didn't care about the long range forecast. Why would they, that was our job. The trouble was, we didn't care either.

This isn't about feeling sorry for ourselves however. This is the new start. You'd have to be us to understand why some of the most obvious things, we can't do. Why some of the cuts we're about to make won't look as surgical as some other people might think they could. They don't live our lives and we make no claim to be a template for anyone else.

We're sat now by a fire of scrap wood, setting S.M.A.R.T. targets for the short term.

Cutting back severely on livestock, concentrating on self sufficiency, doing everything frugally - is the core activity here. Accepting responsibility for our own muddle, and striving to get out of it.  Earning more, spending less, de-cluttering, This has to be the focus now for a while.

For me, this is about embracing my new job, working hard to fulfill the expectations of those who've shown faith in me to get me this far. I also need to organise my home-keeping to make the very best use of the limited time and funds available, planning menus and meals and very importantly, staying cheerful. I am a horror for getting grumpy and punishing everyone else for my own shortcomings.

I have to find time to work very hard this year on our vegetable garden, I truly am digging for victory - victory over being enslaved to debt and uncertainty. In any spare moments, I'm committed to growing my herb, salad and cut flower business, to earn extra income.

If you're a long time friend, you'll notice I've revamped my blogroll - some of my very favourites are still there, but a few have gone and I'm collecting new links to mostly frugal blogs - especially money saving small holders and self sufficiency types. Feel free to suggest any I've missed.

Please stop by in comments and say hello if you too are feeling the pinch, and would like to join us in 2014 - the year of taking responsibility and turning it round.

Monday, 10 February 2014

Rethinking Things

Settle down with a mug of tea. I'm back.

I've still got the farm blog, but I'm missing more personal  blogging, and the farm one is getting cluttered with my random thoughts and meanderings, so I'm having a sort out.

You should see me back here more often, with more about family life, and our journey in general. One which of late has not been that straightforward, as Neil is once again out of a job, and we are as ever, frugal in the extreme, and inventive as a matter of course.

I'm working on a 'bringing up to date' post, but for now, just hello, to anyone who is still here!