Showing posts with label frugal living. Show all posts
Showing posts with label frugal living. Show all posts

27 December 2020

Annual Spending Review - 2020

Well, 2020 is almost over.  Here's where all the money went, in what turned out to be a very unusual year for our spending patterns :-


click on the graphic for a larger image

See previous reviews for the 'Rules', e.g. the 2019 review ...

As usual, the graphic shows the highest spending categories for 2020 in descending order from the left, with the equivalent 2019 and 2018 percentages alongside.

27 December 2019

Annual Spending Review - 2019

Well, it's that time of year again.  Here's my regular review showing broadly where all the money was spent in 2019.   I'm posting this a few days earlier than usual, because we're off on our travels again very soon ...

car purchase costs included ....

click on the graphic for a larger image ...


30 December 2018

Annual Spending Review - 2018

So where did all the money go in 2018 ?  Here's our regular end-of-year review.



click on the graphic for a larger image ...


29 December 2017

Annual Spending Review - 2017

Here's the annual look back at where all the money went during the year.  A flurry of snow this morning put paid to plans for a final round of golf in 2017, and so I'm now unlikely to spend anything more until 2018 ... 



click on the graphic for a larger image ...

As usual, the columns are ranked highest-to-lowest from left-to-right, based on the 2017 spending, and include the equivalent 2016 and 2015 spends alongside, for comparison.   

30 December 2016

Annual Spending Review - 2016


With just one day to go until the end of the year, and no plans to venture beyond the garden gate until 2017, here's the annual look back at where all the money went ...


click on it for a larger image


28 December 2015

Annual Spending Review - 2015

It's that time of the year, yet again....  I know there's still a few days to go until the end of the year, but I'm highly unlikely to spend anything further unless the ground dries up sufficiently to get a game of golf in on Wednesday afternoon...

Here's a breakdown of where all the money went in 2015, and compared to the previous two years' spending ... click for a larger image.



The columns are ranked highest-to-lowest from left-to-right, based on the 2015 spend.   Basic ground rules are generally as last year's post, and a few points of note are listed below :-

30 December 2014

Annual Spending Review - 2014


It's that time of the year again.  Here's a breakdown of where all the money went in 2014....click for a larger image...




Basic ground rules are generally as last year's post, and a few points of note are listed below :-

10 February 2014

Living on £10k pa in the UK ?


I spotted this posting on the Firestarter's blog, one of the many fine FI blogs I visit occasionally....

http://thefirestarter.co.uk/is-it-possible-to-live-on-10000-a-year-in-the-uk/

.... and so I thought I'd carry out a similar exercise myself.  Click on the Table for an enlarged view. 

30 December 2013

Annual Spending Review - 2013


At the start of 2013, I decided to categorise my spending throughout this year, so I could see exactly where all the money goes.  

This included all payments made directly from the bank or on debit cards, those made on the credit cards (always paid off in full every month) and also any cash payments, as far as was possible.  Cash payments were particularly difficult to track since they tended to be rather small and easily forgettable - at the end of each month, I could never fully reconcile the cash left in my wallet against the ATM withdrawals I'd made !

So, with today being the penultimate day of the year, and I'm confident that I won't spend any more money in 2013, here's a breakdown by percentage of my total annual expenditure.  Click on the chart for a larger image.




05 December 2013

Monitoring Electrical Energy Use / Consumption in the Home....


With electricity prices becoming increasingly expensive, and likely to continue to rise way above inflation, we recently concluded a seven-week long experiment to monitor the energy consumption of most of the electrical appliances in our home.    

The plan was to identify those energy consumers for which there may be scope for a saving, by either changing their pattern of usage or replacing older appliances with more modern and efficient units.  

However, replacing any items would only make economic sense if their total capital costs could be recouped from the predicted savings in their currently-measured operating costs within a period of say five years maximum, or if they should become faulty or breakdown in the future.  We don't intend to discard otherwise serviceable appliances simply because they may not be quite as efficient as the very latest designs on the market.

The five years is actually slightly longer than the period in which I'd normally expect a payback against any such renewal purchase - three years would be nearer the mark.  However, with energy price inflation over the past five years running at around say 8% compared to more 'general' inflation at around 4%, i.e. twice the rate (and no signs of this trend ever coming to an end - see my previous post), then every £1 worth of electricity energy today will actually cost £1.48 in five years time, whereas that unit £1 cost of appliances today will be just £1.22 at the end of the same period.  

To put it another way, cash in the bank in today's money to be spent on future appliances would have been devalued by 18% but cash kept aside for future energy bills will devalue by a whopping 32% after five years.   Therefore, it may make economic sense to bring forward certain renewal purchases because the time they will spend consuming less energy in the future will produce exponentially greater annual savings.

Anyway, back to the testing.  We already had a couple of simple plug-in energy monitors that we'd bought for our micro-generation experiments, and we first established there would be three categories of consumer in the house to be monitored during the experiment :-

14 November 2013

Paper logs & briquettes - Part 2


We finally bit the bullet and ordered one of those cross-handled briquette machines from the internet.  Despite my whinge last year about the upfront cost and relatively poor returns compared to coal (see my previous post) it seemed a much quicker and simpler way of making free paper bricks than the rather tiresome process of using our home-made versions.

Incidentally, this year we paid £6.30 for each 25 kg bag of run-of-the mill house coal, 50p (and 8%) more expensive than last year...

We actually bought a top-of-the-range briquetting press, for £20 delivered, although there were lighter-duty versions available on eBay for around a tenner.  This one seems to be of more robust construction and even has round plastic handles - I wouldn't want to be putting my full body weight on the thin steel sections of the cheaper versions, at least without very thick gloves to protect my hands..

After a full day-long shredding and tearing campaign, we let the mash soak for around three days in a big plastic container.  A whole year's worth of eBay invoices and other old bills, plus a couple of months of free newspapers.  There were even a few thick glossy catalogues in the mix, from Tesco and Argos et al, around half-an-hour each to tear them up by hand into usable paper strips.


the briquette press and the container with the mash....

23 October 2012

Paper logs & briquettes – Solid fuel for free ?

Like most households, the amount of paper regularly pushed through our letterbox is astounding.   Every week, we receive reams of local advertising material within what are laughably called 'free newspapers', plus flyers for local take-away food services, insurances, garden clearance, roofing, TV aerials and just about anything else you can think of.

Even the postal service gets in on the act, routinely delivering one or two pieces of junk for every real letter which is actually addressed to us.

The addressed mail we receive, from bills to further targeted marketing guff, also eventually needs to be disposed of – anything that has our names or address on it gets shredded as a matter of course.   The remainder of the junk paper is all just dumped in our blue recycling bin and collected by the council every fortnight.

At least until recently.....

We have an open fire in our living room, fronted by an Edwardian cast-iron insert with a mahogany surround that we bought very cheaply on eBay when we were renovating the house.  We replaced the old cracked picture tiles with new picture sets of the wife's choosing, gave the iron frame a good wire brushing and a fresh coat of high-temperature paint, extended the depth of the fireback with some thick steel sideplates and then installed it.  The fireplace in the chimney breast had been blocked up years ago but we opened it up again, enlarged it and brought this great feature back to life.

the fireplace....

We're lucky enough to live in an area which is outside of the urban smoke control zones, and so we can burn wood and coal etc in an open fire.  If you're within a smoke control zone, then you can only burn these materials in an 'approved appliance', usually an enclosed wood burner or similar.

Anyway, back to the story.... 

We buy coal in 25 kg sacks (currently £5.80 each) from a local merchant and we've literally a shed-load of logs from an ash tree bough that broke in high winds last year, and also from the trunks and branches of our own hedge and tree removals.

Last month, I was searching on eBay for an old & cheap hydraulic press for the workshop, and one of the items on offer that struck me was a hydraulic paper-briquetting machine.  This started me thinking, and so I then searched specifically for those manual cross-handled presses I'd seen years ago.  Still plenty of companies selling them, but the cheapest on offer was around £13 delivered and I'd no idea what the build quality would be like – from the photos, they don't appear to very substantial and might damage easily.

Now, you might think £13 is not a lot of money, but in this context it's very significant.  I could buy 56 kg of coal for that money, and even burning all the paper logs we could realistically make in a year probably wouldn't produce the same heat output as that mass of coal.  Coal is a fabulous fuel with a high calorific value and it burns very hot – it's little wonder that Britain's prosperity was built on it.

Still, even low-grade fuel from waste paper is a tempting prospect if it's completely free – we don't even have to go out to collect the waste paper, it gets delivered to the door !    So we just needed to work around the requirement to buy a machine to compress it...

So, here's a couple of ways we came up with to make the logs, just using things we already had to hand :-


Mastic Gun – we've a few mastic guns and several old cartridges with contents that are well past their best and should have been thrown out ages ago.

I pumped out the remains of an old sealant cartridge and cut the end off it.   I also made a rough blanking plate from a scrap piece of thick plastic. The blanking cap shouldn't be a tight fit in the cartridge – it must let the water past –  and so it can be quite rough.

We experimented first with material from the shredder bin.   This was also an excuse to get rid of all those eBay invoices, old bills and other papers that were piling up on the shelf, and so the process began with a shredding campaign. 

The shredder bin was tipped into a washing-up bowl filled with water, mixed and allowed to soak.  The mash was loaded into the cartridge with the blanking cap at the bottom, pushing the mash down with fingers several times and adding more until it was as full as possible.  The cartridge was then loaded into the mastic gun, and the gun pumped as firmly as possible....note that water escapes from both ends, since the gun driving washer is not a tight fit in the cartridge.

shredded paper in the mash...

We left it for several minutes under pressure to consolidate, gave the gun trigger a final few squeezes, and then removed the cartridge.  Using a piece of wood as a mandrel, we held the cartridge and pushed on the blanking plate and, hey presto, out popped a damp paper cylinder. 

very simple - cartridge, rough blanking plate
and a log made from it....
in the mastic gun under pressure....

We made a few more using the mastic gun press – they were a little fragile at the wet stage when removed, but we laid them out on an old cloth for a few days and then placed them directly on top of the central heating radiators in the workshop for a few weeks.  At this time of the year we use the heating sparingly and only ever in the evenings, and so the log drying time was prolonged. 

However, the end result was paper fuel logs which were dry, hard and of sufficient strength to be handled quite roughly without falling apart.


Home-made Screw Press – I had a piece of thick-wall aluminium tube lying around in the workshop, but although it's ideal as a log mould I didn't want to damage it because it's valuable and bound to come in useful for something more profitable.  Any design I could produce therefore required the aluminium tube to be a passive component, with no cutting or drilling.

So, I made a simple screw press from a length of 8 mm steel bar that I threaded at both ends, one end with quite a long thread length.  I made a threaded end plate and loose-fitting piston for the tube on the lathe, using some plastic barstock – I appreciate that most people don't have a lathe, but you could still make these items using just a hand saw and a few scraps of wood, they don't have to be precision engineered.   Threaded steel bar is also available from DIY stores and those hardware & tool traders we see at car boot sales, but obviously if it's more than a few pounds to buy then it defeats the object of making such a press yourself. 

So now we had a log mould of roughly twice the diameter and twice the height of the mastic cartridge, i.e. eight times the volume.  Exactly the same paper preparation process as before, but this time compressed by tightening a nut and washer against the piston within our aluminium tube.


screw press - twice the size of the cartridge...


Again, our first tests were with shredded paper.  When we pushed these longer formed logs out of the tube, they generally fell into two or three pieces but we just gave each piece a consolidating squeeze by hand.  The presence of the central screwed bar also made the wet log removal process a bit trickier, and contributed to the breakages. 

However, these breakages actually turn out to be an advantage, as they produce shorter log lengths that are more suitable for the size of our fireplace. 

first batch of logs for testing....

We also made some logs from newsprint, but for these we didn't bother shredding the paper.   We just pulled the newspaper into separate sheets, folded them and laid them in the bowl of water.   After experimenting a bit with them, it seems easier to soak them for quite a long time, maybe even overnight, and mix them around the bowl by hand until you've a wet and grey muddy pulp that's barely recognisable as paper.

In this form, although they're a bit messy to handle, they make dense logs that hold together – if the papers aren't wet enough, they tend to decompress a bit and open out slightly when removed from the press, although they still dry out and burn OK.

newsprint logs - the left one was not soaked enough and has
sprung open, the right one is from fully pulped paper

In conclusion....

We found the type of paper used had a big influence on the log making – I've since shredded several old confidential client reports that were produced on a thicker-quality paper, and these logs didn't hold together nearly as well as those made from newsprint or more run-of-the-mill printer paper.   I think the trick will be to mix the thicker stuff together with the thinner when doing a shredding run.

Those logs produced using the screw press were noticeably denser than the ones made with the mastic gun.  This is to be expected, because it's possible to apply much more compressive force on the mash in the tube using the screw.

All the logs we made eventually dried out very well to make usable fuel.  So, I think we've found a couple of ways to make some totally free fuel logs.   However, they're a little fiddly and time consuming to make with these types of home-made presses – if you intend to be serious about it, maybe come up with something that's easier to load and press, for a quicker turnaround time.  If I see one of those cross-handled manual formers on an eBay auction for a fiver or so, I might even buy one.

So how well do the paper logs burn ?  They're a bit like wooden logs in that they need to be added to an established fire, but they held together and burned well enough.  They didn't leave much residual ash in the fireplace, unlike burning loose pages of paper which produces flying ash and needs a lot of cleaning up afterwards..

three paper logs on the fire...

An added benefit with these home-made paper logs and briquettes is that they're clean to handle when dry – after all, they were made from clean paper – and therefore you can store them in any indoor cupboard, unlike either coal or timber logs...

22 September 2012

Camping in Europe...holiday on the cheap ?

It was time for a holiday, the first real one we'd had since a package to Turkey in 2008, although admittedly we did spend around a week very early this year driving to a few cities in Northern Europe.  

Although I get  to travel around the world occasionally with work assignments, and even take my wife on some of them, they don't usually allow too much time for sightseeing and just general chilling-out.

It's many years since I'd been to the warmer parts of Europe, and my wife had never been at all.  A timely lull in foreseeable work commitments coincided with the end of the mad August rush on the French Riviera, and so two or three weeks away in September was the plan. 

The initial intention was to just drive around and stop wherever we fancied, generally in the cheaper hotels and B&Bs, but if the weather was fine then we'd fit in a bit of camping instead. 

01 September 2012

Effective tax avoidance – start the homemade Christmas wine now...

Making your own wine is a great pastime on many levels....

Firstly, it's very cheap and the taxman doesn't get to surreptitiously steal a huge chunk of your hard-earned readies.   How big is the chunk ?  Read on...

Just think of the 'Three for £10' wine offer at ASDA that's been running for years; that's a bottle of wine for £3.33.  Now this wine has been made in Chile, California, Australia, South Africa or wherever.  Grapes have been planted, lovingly tended, harvested and pressed, the liquid collected, filtered and then fermented, cleared, put in a glass bottle, sealed, labelled and despatched half-way round the world and it's still only £3.33. 

However, consider that sum even further.  The UK excise duty payable on any standard 75cl bottle of wine of that strength is £1.90*  – yes, a staggering amount on any bottle of wine but a very high proportion of £3.33.  To add insult to injury, the £3.33 selling price also includes UK VAT (sales tax) at 20%, on the whole amount including the £1.90 duty, i.e. there's a tax upon a tax, and therefore the exchequer has just grabbed a further £0.56. 

So of the £10 you handed over at the ASDA checkout for your three bottles, £7.38 has immediately been snaffled by the government.

(* UK Duty rates from 26 March 2012 on still wine of 5.5% to 15% ABV = £253.39 per 100 litres)

The bottle of wine has therefore gone through all the stages described above, plus being distributed to the supermarkets, for only 87p.  In the supply chain everyone, the makers, shippers, distributors and the supermarkets has made a profit from just that 87p. 

20 August 2012

Home heating – living with what we have...

Our home is fitted with a ten-year old Worcester 15/19 oil-fired combination boiler which provides the heating and hot water.  Where we live, the other three houses also use domestic heating oil as a fuel source.

Unfortunately, domestic heating oil (kerosene 28) prices tend to fluctuate wildly in line with the world oil price.  There was also a step change in kerosene prices just a few years back, with the costs jumping by 50% from around 40p to 60p per litre in just a few weeks during a particularly cold winter period, even peaking at around 75p in some locations for a short time, and nationwide they've never fallen too far below the 60p level since.   Oil prices also suffer much more from 'downward price rigidity' than any other domestic fuel source, i.e. prices are quick to jump upwards on an oil price rise and very, very slow to fall when global oil prices fall.

Added to the facts that the UK domestic heating oil market is totally unregulated (sorry, I said no politics here...) and that most of the country's supply and distribution is in very few hands so that effective competition is non-existent, then those of us with oil-fired heating must simply endure huge annual costs, typically at least a third more than those with equivalent homes using natural gas. 

So what are the options ?  Let's base the comparisons on our annual heating and hot water costs of £1,500, which is an accurate reflection of the costs of last year's oil tank fills.