January spending and saving, or did Just-Stay-in January help finances?
Income was the usual State Pension and County Council Spouses Pension and income from the downshifting savings.
Regular outgoings are the direct debits for Council Tax, charity, phones and broadband and the monthly electric bill. They came to £337 this month.
My personal spending was a hair cut, exercise group and some photos printed.

Looking after the pennies..................
- Ate from the freezer for main part of main meal after Christmas and most of January.
- Cancelled Radio Times after the 10 weeks for £10 offer. It worked well for December, Christmas and New Year.
- Bread from the bread-maker 50/50 wholemeal/white all month.
- Dishwasher only used every other day
- Washing machine on just twice a week
- Nothing much needing ironing in winter
- Lots of lovely library books for free
- Sent a box of books off to 'We sell Books' = £22
- Moved savings money into ISA
- Shut curtains as soon as it's dark to keep in heat.
- Get up late enough to not need lights in the mornings!
- In the right place to get half dozen eggs for £1 from the roadside stall once during the month
- Nothing spent on clothes, makeup etc etc
Going forward to February............ I'll probably need some heating oil plus there is the half year water/sewer bill but there's no Council tax. I'm aiming for another low spend month again staying mostly at home.




























