My 2022 Budget - Chatty Update
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- Опубликовано: 17 июл 2024
- Some of you reached out to me recently asking for an update to my 'Planning My 2022 Finances' video, so here we have a bit of a chatty (and rambling) update!
As per my video in January, please bear in mind we all have different circumstances, budgets and values. Sharing this with you isn't to suggest what is important or not, because what is important to me won't necessarily be important to you. I just aim for transparency to hopefully inspire you to look at your purchases with scrutiny, work out what's important to you and then perhaps spend accordingly.
These days I prefer to adopt a buy less, buy better approach, with a focus on quality over quantity, removing the clutter, and utilising my money in the best way possible.
WHERE ELSE TO FIND ME:
Instagram - / kirstyloukirby
Blog - www.kirstykirby.com
MAKE UP WORN:
ABH Soft Glam Palette
Estee Lauder Sumptuous Extreme Mascara
Benefit Brow Powder
Estee Lauder Double Wear Foundation
Estee Lauder Double Wear Concealer
Laura Mercier Translucent Powder
MAC SkinFinish in Medium Deep (As Bronzer)
Zoeva Coral Blush Palette
MAC Lip Pencil in Stripdown
MAC Lipstick in Yash
NAILS:
Chanel Le Vernis Nail Polish in Le Particulere
CLOTHING:
Jumper Dress - Jack Wills (Few years old, many stores tend to stock similar most years)
DISCLAIMER:
All products were purchased with my own money and this video is in no way sponsored. Should a video ever be sponsored, or should I receive goods for free to review I will always aim to disclose this either in the video or in the video description. My views will always remain honest and my own.
Items marked with an asterisk were received as a gift or as PR.
I do sometimes use affiliate links in my description, these links do not cost you any more to purchase, often you will receive a discount, but I may earn money from these links.
Hi Kirsty. I definitely found this interesting! I really enjoy how you speak out the reality of having to balance expenses and wants. So much of what I see on Instagram is people my age seemingly having it all (lovely holidays in Europe, buying their first home, new clothes, fresh flowers every week) but I am working on establishing my career and emergency fund so this just isn't realistic for me. Your content is much appreciated. Cheers, Georgia
I completely understand that feeling. I too see people on Instagram (including people who are personal acquaintances) and think how on earth do they do all this. I always remind myself we all have different values when it comes to money. I vividly remember fairly early in my career, a colleague in a higher position, who was earning approx triple what I did, moaned at a meeting that she was counting the days to pay day as she had just pence in the bank. I couldn’t believe it. How was I not even thinking about pay day when comparatively I earnt so little?! As the conversation went on it was clear she had always lived this way, if it was in the bank it was spent. Of course it’s entirely up to anyone how they manage their money, but that situation has always stuck with me as a reminder. Maybe they don’t have it all, it just looks that way.
I think it’s all for show. They either get a bunch for free if they have e light followers, or they are in massive credit card debt. I’ve had to decide not to participate in the “influencer” game and watch *only* down-to-earth content creators.
@@katiejon17 this is why I enjoy Kristy's content
@@sandyk2310 🎯
Hi guys - it’s a bit of a rambling one I’m afraid - I did consider scrapping this and refilming but I’d probably just ramble again 😂 Also please ignore the fact the back of my hair appears to have gone rogue when I got dressed, it was fine before! 🤣
P.S. For the fashion forward of you, I know it looks like I’ve stupidly ‘mixed my metals’, and that the earrings don’t go with the bronzy makeup but this is the annoying things about cameras at times, they have gold stars and moon crescents hanging from slightly bronze chains but they look totally silver here - fgs 🤦♀️🥴😂
Strike a pose! 😁 Always enjoy your chats 🥳😁
p.s. I thought your colour palette and jewellery choice looked super 🤔
If it's interesting, which this is, I always enjoy long videos as I enjoy listening to videos. Really appreciated your balance of frugality and practical needs/comfortable wants in this video. I like to be super frugal but it's good to put this in balance.
Thanks Renee 😊 Yes it’s something I’m trying to find balance with myself. I hate wasting money but the dishwasher ordeal has made me think - sometimes the value you get from a purchase greatly outweighs the benefits of saving. I’ve found it can be easy to forget that when really focussed on saving. X
I LOVE your videos, Kristy, you are so well articulated that you can make anything you talk about interesting.
Awww Celia that’s so incredibly kind of you to say x
Great video. I appreciate your common sense approach and willingness to be adaptable to changing priorities! 👏
Thanks Shannon! Things like making sure the house is watertight and as warm as possible is a bit boring and not exactly the fun stuff, but ultimately is more important than the aesthetics no matter how much Instagram might suggest otherwise 😉 x
Ever since i discovered your channel Kristy back in Janurary. I also told myself to partake in this budget year journey. So far I only limited myself to only allowing purchases on art supplies, GameDev tools if needed. So far I've been saving tons of money with this challenge only spending little to near 100 a month now. It feels great even for entering my fifth month on it. Thanks for the motivation Kristy. So far I bought this year my year license of the modeling software houdini which costed me 200 a couple months ago only big spender of the year for me so far. So far so good.
That’s fantastic! I’m so pleased to hear you have been managing to save lots, it’s so surprising how much you can save when challenging yourself. Thanks for sharing! X
I loved this video, I also love your budgeting and finance ones too. So glad I found you on here, I'm originally from the UK but have been in NZ for the past 15 years and all that is happening in Blighty at the mo either is or will happen here sooner rather than later so forewarned is forearmed.
Yes the inflation issues seem to be causing issues globally. Will be interesting to see what happens in NZ as these food shortages arise, NZ will likely be shielded from that given so much is produced.
So glad you’ve found me too 😊
Love the chatty update!
Thanks Jane! X
Totally miserable here in Stockport too, weather-wise. Enjoying your finance videos, thanks Kirsty.
It’s rubbish isn’t it?! How is it June!?
Hi 🥰 I do not think you ramble! I am always interested in your talks. I am a pensioner and can still take on board things you talk about.I totally agree with you about having a new boiler. I had to have a new one last year. The energy company did put up my DD in March but I said no to want they wanted to put it up to. Was told I would have to pay the difference at the end of the year ( Nov) for me, told them I am happy doing that. I would rather the money say in my bank than theirs as I know I will not use as much as they said I would!. Regarding the kitchen, know storage space can be a pain but please save for what you really want otherwise you will never be happy with it and may cost you more over time. 🥰x
Good for you Teresa - you make a good point, a few people are of the opinion that the companies are using the opportunity to improve their cash flow! As you say better in your bank than theirs, especially if interest rates continue to rise.
I’m still working out what to do with the kitchen, a lot of this video was just vocalising different ideas. I also need to decide if I think I might stay longer term. Obviously if I’m not staying, then I wouldn’t see the return on major building work and would be better just improving the kitchen rather than taking on a major project. X
Love your perspective on budgeting and finance ! I see things similarly too and hope to make extra payments on my mortgage once my finances settle down :)
Thanks Susan! I made the term on my mortgage slightly longer than I would have preferred to, in order to make the transition from renting to owning a little smoother, with the intention to always overpay in time to essentially shorten the term to what it could have been. It’s silly really but it was always part of a larger plan. Fingers crossed for us both being able to overpay when things settle again 🤞
Your garden is absolutely beautiful! 🤩
Thank you so much Emma! It took hours and hours (and many achy muscles) 😂 I’m looking forward to it all starting to explode with blooms in the coming months. X
I love your videos. You inspired me to really think hard about every purchase and how to declutter more than I have in the past. My husband and I started a no buy year 2 months ago and it has been life changing. I am paying off the little bit of debt we have and putting alot of money away in our savings. I feel less stressed and the whole experience has been so freeing. Thank you for the inspiration🙂
Thank you so much for your lovely comment! I’m so so pleased to hear you’ve been able to start reducing debt and creating some savings. I’ve always felt that no buys as a permanent lifestyle are unrealistic but they are a fabulous tool for saving money and addressing impulse purchases. Love that you’ve embraced decluttering too - I’ve got my mum into it and she has found it to be really impactful and has really helped her not over purchase clothing like she has in the past. Again thank you so much for your lovely comment! Xx
Lovely earrings! Thank you for sharing your thoughts 🙏 please tell us more about your garden, it's beautiful
When the weather is nicer in the summer perhaps I should do a bit of a tour! X
You’ve done a lovely job in your new garden Kirsty. I think you’re wise investing in a new boiler for the future.
It’s a definite necessity now - the hot water still works but the central heating has stopped working completely! 😂
Love your videos🤍I could listen to you talk all day🤗
Aww thank you that’s so sweet of you to say.
I really enjoyed this video. We inherited a very old gas boiler. It was heating only and had been regularly serviced and worked fine for a few years, but boy did it guzzle the gas (it was the only gas appliance in the house), so I can well believe your boiler was the culprit for massive fuel bills. We ended up using electric heaters when the boiler became unreliable. Luckily we had a new gas boiler put in last year before the prices rocketed. We must have been the only people in the country who's bill actually went down. I agree about the bathroom, especially if you are lacking in space for the more used rooms in your home 💜
That gives me hope that I can bring the bills down to something much more reasonable! It’s the only thing that can explain the increase, I’ve ended up using the gas stove less in this house vs the last one, so it’s only the boiler that can be responsible. Weirdly it’s suddenly stopped working for the heating, but is working ok for water so it’s got to be done. Fingers crossed that the water stays working until the plumber comes back with the quote and it can be done. I don’t fancy a summer of ice cold baths!
The bathroom is amazing and wasn’t too long ago done, but it’s approx 13 ft by 9 1/2 ft so it’s huge! I think a larger utility with a sink and lots of storage all done so it still looks pretty would potentially be a better use of the space and compliment the kitchen as because there are doors on three walls of the kitchen you’re sort of limited design wise. The bath is a lovely big cast iron roll top one so I’d still keep some elements which might bring the cost down.
Will see, I also need to consider how long I envisage living here too as that could have an impact on how much I potentially want to spend, especially given the market might correct.
Your home is lovely. What I recommend to do, is to keep the existing units, until you have the funds to do the big transformation. Put the refridgerator into the utility room, if there is space for it, and use the space where the refridgerator/table is to build some ikea kitchen units from floor to ceiling. They have amazing solutions for storage. With different colors, trimmings, knobs, feet, you can make it a freestanding unit, that could be relocated/reused later. An idea is to hang big mirrors over the window opening into the conservatory, or maybe mirror on the kitchen side, and a curtain on the other side. You could fill the opening with styrofoam cut to size. This is easy to dismantle again come next spring - or until you get your kitchen done. 🌸
The fridge was in the utility before, but I was sick of looking at the side of it when I came out of the rather luxury bathroom 😂 I hate the look of appliances at the best of times. It can’t go back in there as I’ve now placed a large unit which works like an old fashioned housekeeping cupboard for storage.
I’m not a fan of IKEA unfortunately, I’m proactively avoiding shopping with them and trying to get rid of some IKEA furniture I have in the house. I know people love it and some of it is good value (a family member has an IKEA kitchen too) but I’m not a fan.
The mirror idea is interesting but would block all the light into the kitchen which is already quite dark.
Filling in with foam is another interesting one but the major building work is likely going to be a few years from now, and I think it would look an eyesore until then!
Thanks for the ideas though! X
Edit - I do appreciate IKEA have some good reasonably priced units that go floor to ceiling. I had even considered them for some future plans in the utility but I don’t think they are particularly cheap and most IKEA things I have bought previously have not stood the test of time.
Love your videos! Sorry if you’ve done this already but would love to know how you manage your budget, savings v spending, being prepared for expected/unexpected costs etc
Hi there, for unexpected costs this will fall to the emergency fund which I think is vital. The general advice is 3-6 months living expenses as an emergency fund, Im most comfortable when I have between 6-12 months basic living expenses as an emergency fund.
I love those chatty videos Kirsty! Do you have space in your kitchen for a movable butcher block or « island »? Some have cupboards underneath for storage and it gives you extra counter space. Personal opinion, i would regret spending $$ on a temporary renovation that would not suit my needs (no judgement, personal opinion). I perfectly understand you wanting to increase your emergency fund. I’m solo and I prioritized my fund 🤷♀️.
Hi Kirsty. I really enjoy all your videos and your balanced approach to things. Was wondering if you could make a video about the clothing you bought in your late 20s and what you still love / what you don’t. I am 30 and try to buy for longevity. I often think about splurging on certain items that I believe will carry me through a few decades but worry I will feel differently as time passes. would be very interesting to hear your perspective on this! Thanks, Victoria
Your body will change, too.... you don't stay a size 2 forever, as I have sadly discovered.
Hi Victoria - I'll try to cover this topic in a future video :)
Wow your garden 💜. I love those chatty videos Kirsty! Do you have space in your kitchen for a movable butcher block or « island »? Some have cupboards underneath for storage and it gives you extra counter space. Personal opinion, i would regret spending $$ on a temporary renovation that would not suit my needs (no judgement, personal opinion). I perfectly understand you wanting to increase your emergency fund. I’m solo and I prioritized my fund 🤷♀️.
Thanks Dominique, the garden has been a labour of love (and some backbreaking work!) but it does genuinely look lovely now and looks as though I’ve spent much more than I have.
Unfortunately it’s not wide enough for a free standing island - I had the same idea. I saw a fab one recently with a granite top second hand for only a small amount, but realistically you’d just end up shuffling round it 😂 I did think about a dresser or a island instead of the table, but I’m not sure I’d really gain much.
I know what you mean, I’m really on the fence. I think because the large renovation work would probably involve saving for at least a few years, I have been considering other options. I know a few people who have installed second hand kitchens in solid wood for as little as £400-1000 and kept them for a good few years, which made the space usable and enjoyable in the meantime. I think the lack of storage and counter space might drive me a bit crazy if I have to leave it as is for years 😂
Totally agree with your sofa comments. Instagram makes a lot of us feel that way. I think theres Instagram, and then theres real life!
It’s so true! I have a bit of a love hate relationship with Instagram, it’s a great platform, but I have issues with how everything is presented - as you say it’s not remotely real life!
I have the same prob, I'm on a low buy but this year I've gone up a size so had no choice - i bought things on Vinted and have said I can spend £50 on Vinted every 3 months as that will get a few nice things and give time to get to my hopefully smaller size! With things that don't fit or don't feel like me anymore I've put them away. In a few months I'll look at them again, I find if I do that sometimes I like them again! Great video, thanks!
I understand that challenge for sure. I still haven’t shifted the weight I regained at Christmas 🤦♀️ I’m doing my best just to wear the few things that fit reasonably well so I can avoid buying more, but I think buying second hand is a great way to manage this issue. I know what you mean re holding onto bits, I’m reluctant to get rid of everything and have a 30 pc capsule wardrobe or whatever, even though I recognise the potential benefits. In fact I have a party to attend in November and the perfect dress for it (it’s themed) is one I probably wouldn’t buy now. Had I tossed that I would definitely have regretted it and weirdly I’m looking forward to wearing it (now just need to lose the weight I need to to get back in it 😩) x
@@KirstyKirby it's so difficult! I'm glad I bought a size up, it won't be forever and I can sell them on, but £50 got me a gorgeous People Tree dress, a black LK Bennett shift dress, and three really nice tops. I'm back in the office two days a week and needed to feel a bit better about myself. I'm also doing a make up no buy and loving it because its something I can definitely succeed in! Your videos helped so much when I was starting a low buy and figuring it all out. I'm not doing well at budgeting the last 2 months but need to get back on it. I'm glad you didn't chuck that dress so you can wear it to the party!
@@deborahkilpatrick8572 totally understand. I’m only really getting away with it as I’m working from home almost exclusively at the moment. I’d probably have to buy something if I was office/field based like I used to be.
It’s amazing to hear how much you’ve done already! I have an opinion regarding your kitchen (for whatever it’s worth). I don’t think it would be a wise investment to invest on a “for now” upgrade. Do you have any space at all to store extra kitchen ware, just to help your kitchen feel less overrun? Under the bed/couch bins, parent’s house, the back of a closet, etc. It will be several years before we can do more work to our kitchen, but we have a 3 season enclosed porch where I keep my InstantPot, electric griddle, slow cookers, etc. It works well for now. I also love when people keep original aspects of a home intact, even if they aren’t “influencer” worth. We have the original, local handmade, all wood kitchen cabinets and I will never replace them. You have such a great eye for decorating it seems - I cannot wait to see all that you do!
Hi there, I’ve already got lots of kitchen items stashed everywhere else. It’s not that it’s overrun particularly, it’s that it annoys the life out of me having everything in other places and there’s next to no counter space. As someone who likes to cook from scratch, and am planning on making even more things from scratch (Mayo, ketchup, bread, etc etc) it’s so impractical. It’s fine for now - I think I probably didn’t explain the somewhat temporary option very well, you can buy a second hand kitchen including all appliances for about £2-300, sometimes solid wood ones for £400. We are very DIY savvy in my family so could fit ourselves. £300 for a kitchen that would last for several years and make it much more usable than it currently is (especially as I don’t use the oven either as it’s gas and takes forever to cook anything) isn’t a large investment in the league of things. I may find I don’t bother doing the major renovations if I did that and it would have been improved for resale if I decided to move on. But as it happens I’ve decided I’m not doing anything at the moment due to some other things that I need to do that are more important right now.
Don’t worry I bought the house in many ways for it’s original features, many of which have been preserved and I would never remove them. The kitchen isn’t remotely original though, it’s had huge changes over the years, the removal of the range, removal of a chimney etc, the kitchen is probably from the 80s.
@@KirstyKirby ahh - got it. Looking forward to see what you decide!
Interestingly we seem to have the same projects this year 😃. Wow your garden looks good for £600 coz I've got someone to take a look @ mine but they're quoting me an arm & a leg. Im thinking of doing it myself. Love your content. BTW, Im a new subbie :).
Hello, welcome! Yes gardens can cost an absolute fortune. I could have done mine a little cheaper if I wasn’t so fussy about what plants I like to grow and I’ve included all costs in that - spade, trowel, rake, bird food etc etc.
Pinterest is your friend for ideas to try if you decide to give it a go. I would never have been into gardening some years ago but I love it now. I find it really grounding and satisfying.
Hi Kirsty
Loved the video!
Did you no joules have a online shop on eBay
I got a lovely shirt for £12 !!
I love my dishwasher but now all the kids have left home
Washing up tends to get done by hand except Sunday
I put my oven racks in ,kitchen scourer,teapot all sorts😂😂
Your garden is looking really nice…..I’m a bit of a gardener it really helps
My mental health.
I’m a bit OCD the plants coming down the steps have to match the other side
And planted each side in the middle of each step!!
Hubby says he surprised I’m not out with a ruler😂
I’ve bought hardy annuals this year,so apart from hanging pots
They will save me a fortune.💕
Yes the outlet shop on eBay can be really good and very inexpensive. Im fussy about my garden too and really enjoy symmetry. I won’t lie I’ve actually got the tape measure out to make sure things are lined up 🤣
@@KirstyKirby haha can’t wait to tell hubby!! Enjoy your week💕
I really enjoyed the chatty video.
Pleased to hear that Wendy! X
Great video how do you calculate the right amount for emergency fund? I think kitchens are best not rushing as well. Thanks Alison x
Hi Alison, the general advice is to start with saving £1000, then working towards 3-6 months basic living expenses. I take it a bit further and like to have 9-12 months basic living expenses in an emergency fund as I really love the security that offers me.
Lol, you saying Google Home in your video set mine off 😂
😂😂😂 Sorry!
Love your Chelsea. I love Chelsea boots, but can’t find any without chunky soles. Love your new ones.
I’ll see if I can remember the style name, they might have a few left on their outlet store. They were only about £30 in the sale which I thought was great value.
Think they were called the Cheltenham Chelsea Boot. They are quite narrow fitting though, I remember reading a few people moaning in the reviews, I’ve found them fine though. If you do spot any I would avoid the tan ones, they had a rose gold strip up the back that all peeled off when rubbed.
Would love to know about your hair care budget, how you style, and how you selected a stylist. Your hair is lovely, and I'm curious if your budget consciousness influenced your hair style choice.
Believe it or not I actually cut it myself and have done for a few years now 🙊
I use sulfate free shampoos and conditioners (mainly as if I don’t my scalp becomes ridiculously inflamed), have been using one by Kerastase for a couple of years now, it’s not the cheapest option but I think my hair is in better condition for it. Also try to let it air dry where possible and just use ghd straighteners the following day.
Style wise, not really. I can’t be bothered with something too complicated these days. I used to try and do all sorts of things with it when younger but I try to just go with what my hair naturally wants to do now. I don’t currently dye it either, at some point I will probably need to as I’m not far off 40, but for now just embracing the greys at my temples and not letting them bother me too much.
@@KirstyKirby Thank you for the reply and details! I have been letting my hair grow into a simpler style that hopefully won't require a professional to layer or texturize my hair every six weeks to keep it in shape. Each trip to the salon is about $75 US (with tip), and I don't color my hair. I stopped about 10 years ago because of the cost and hassle. Now I actually prefer my silver hair, and strangers frequently stop me to pay compliments. I've used Hair Story all-in-one shampoo and conditioner for two years now and love it. My hair and scalp are healthier, and I think it has saved me money overall (because it eliminated me wanting to try a bunch of stuff and I haven't needed treatments or deep conditioners). I also like that I can buy in bulk and only have one refillable bottle in the shower. I'm scared to death to cut it myself. I'd be interested in seeing a video on how you trim your hair yourself! 😃
Hi Kirsty,since you mentioned the weather 🙂 I will be visiting London early next week and I was wondering if it is still cold or summer dresses can work fine in this weather. Thank you
Hi Clara, it really depends on the weather forecast. Usually this time of year a dress would be fine, but it’s quite chilly where I am today. I had a quick look at the weather forecast for London and it looks like it will be maybe 20 degrees with possible chance of rain. You should be perfectly fine in dresses at that, but if you can I’d bring an option in case the weather turns.
@@KirstyKirby thank you dear that’s really helpful and thank you for todays video I enjoyed it 🌹
I over pay my mortgage. It’s dramatically reduced the amount of interest I pay each month, especially in relation to the overpayment amount. While I could potentially gain more investing it instead, I could also lose money. To me a paid off home or lower mortgage balance in the event that interest rates are higher when I come to remortgage is very important.
I understand completely. I’m a big believer that even when it comes to personal finance, things aren’t black and white. I always planned to overpay my mortgage and I feel incredibly lucky that even though I’ve lived here less than a year, by being very frugal in other areas I’ve managed to overpay by over 5% of the original loan amount, which has brought the term down by almost two years I think. I love that! In my mortgage video I talked about interest rates too, I was confident they would rise in the coming years so it was important to me, and as you say, even more so over the next four years of my term.
It is so funny, i am same way about house. I would rather make it nice and lovely, than going on vacation:)
I started buying secondhand first on Vinted. Found a range of things there that i needed. Had to research a bit and not look for obvious brands but my shopping bill overall has reduced drastically. Taken to up cycling garden furniture from Gumtree. Worked a treat.
Hi Simone, I do buy second hand clothing sometimes, I’m wanting specific things at the moment and people seem to want almost the same money as new. I don’t really buy much in terms of clothing and operate on a buy less, buy better now rather than my buying to excess days. I used to buy things just because I liked them rather than really thinking about my wardrobe in a more strategic way, whereas now I buy things I know I will wear a lot, that I am really really wanting, even if they are more expensive per item and ironically I end up with better items and spend less money. Sounds like what you are doing is working for you though so that’s great. Almost all my furniture is second hand and fabulous quality, I don’t know why people turn their nose up at it, it’s a great way to have good quality items for less. I did a load of stories on Instagram upcycling my current garden furniture. I think we’ve ended up at crossed wires here - I do the same things you do 😂
@@KirstyKirby thanks for the detailed and kind response. I agree with you a strategy for secondhand is best. I have a list. I tend to find Vinted is the best place where I can put in a lower offer that would be accepted. (I have given up with eBay!) But it can be pretty time consuming trawling through brands I like and boutique brands (I can’t afford at full price) to bag a bargain. I have to be pretty strict on myself and pretty specific. There is always the risk it does not fit or does not work in the home and you have the hassle of reselling. But overall I have managed to get everything from a Barbour wax jacket to Joules Breton top at a good price. I wear these items constantly. But as you say sometimes to get the right thing you just need to go into a store and find the right item that is the fit for you. Cost per wear can sometimes be better that way.
@@simoneastewart You've hit an important point which I intend to raise in a future video. Whilst I embrace second hand clothing, I have wasted A LOT of money buying second hand items that did not fit properly. I now buy only specific brands where they carry on with similar cuts and styles every season so I can be confident it will be worn. I found that for some of the money wasted on items that didnt fit (and sometimes sold on at a loss), I could have bought something I really wanted and was able to try on. Cost per wear along with buy less, buy better along with waiting for the sales seems to be working best for me.
@@KirstyKirby I think it’s a good idea for a video. I would also add that secondhand can be difficult if you struggle with sizing too. I have had most luck secondhand hand when it came to looser fitted items like beach kaftans, coats and accessories. But I would recommend buying secondhand first if possible, for environmental reasons. But the most ecological thing is of course to wear what you own already, so buying less is always best! 😊
@@simoneastewart I don’t struggle with sizing particularly. I’m not really sure how to take that comment. If buying loose fitting things like kaftans then of course that gives much much more leeway in terms of whether something fits or not. That sort of thing isn’t really anything I buy or like so I don’t have that freedom with sizing. Coats I would disagree on too, I bought a beautiful second hand Burberry coat on eBay, it arrived and was way too big. It looked utterly stupid so couldn’t be worn, I do think coats should fit correctly. Sizes can vary even within brands and I’m sure you’ve seen many videos where RUclipsrs buy the same size of clothing from multiple stores and they are all completely different.
I support your choices, but as I say, second hand that cannot be tried on has its pros and cons and I’ve found contrary to the recent trending popularity of thrifting can end up wasting money. But each to their own, if it works for you that’s great, I’ve found it only works some of the time and isn’t the best option for me. I do consider the environment and am very familiar with the documentary ‘the true cost’ and the devastation of fast fashion on the environment (I generally avoid fast fashion for multiple reasons) but environmental reasons, whilst I’m considerate of them, is not my primary value when shopping for clothing I’m afraid - sorry! That said buying things, especially if I will wear them many times, regardless of if they are second hand or new, is much more environmentally friendly than purchasing many items (including second hand) that are worn once and then sent to the charity shop - but that’s just my opinion, you’ll possibly disagree there.
instead of new kitchen cupboards you could buy antique credenzas and dressers that give a bit of personality to the room.
I did think about a sideboard or a dresser, but it’s not really what I want and won’t give much additional useable countertop space (I wouldn’t use the top of a beautiful piece of furniture to prepare food for example) Thanks for the ideas though! 😊
Hi Kirsty
Would it be possible to put a dresser into your kitchen where you have the table now
They hold so much stuff
Just a thought
Lovely video as always
Take care xx💕💕💕💕
Hi Paula, I did think about a second hand dresser there but I’m not sure I would gain that much tbh, especially as I don’t like open shelving (I know some have cupboards at the top but most are just shelves). I also thought it would probably still just look as cobbled together as it does now 😂. I did think I could look for one with doors that have the cathedral design on it so it looks more purposeful, but most seem to be more shaker or farmhouse style so I think next to the cupboard doors might clash (to my eye at least). I’m open to a dresser, but I think what I’d gain in a cupboard, I’d lose in surface space (I sort of use the table as make shift counter space at times).
If only new kitchens weren’t sooooo expensive! 😊 xx
Yes I agree Kirsty they are expensive
You know your kitchen and what will work
I just love a dresser I’ve squeezed one into my kitchen probably I shouldn’t have but they hold so much
Have a good week xx
@@paularoberts2129 I do think dressers are really pretty, and it’s a solution I’m still considering if I spot the right one. I’m just a fusspot really and don’t like open shelving. I see it in others houses and think it looks so incredibly charming, but I just like everything hidden away in my own. Perhaps if I was a collector of certain things (a family member collects teapots for example) it would be a great place to display them, but I don’t really. Anyway, I’m definitely open to the idea, but mulling a few options over 😊
Hope you have a great week too.
You will know what is the right thing to do when you see it
I’m like that when I have to find the perfect place to put my ornaments that I buy
Thanks hopefully the weather will be nice but here in north Wales this morning it’s raining xx
Kirsty are the chelsea boots also from Joules?
Hi there, yes they were. They were in the clearance sale though so don’t think they are still available on their website anymore.
My phone randomly said ‘I’m glad you find that funny’ recently and gave me a start. 😳
Ha ha I’ve had Siri randomly talk to me before too and give me a bit of a fright.
Kirsty how can we be more financial frugal as saving for deposit can be hard cutting on spending during the unprecedented economic shift thanks
Hi there, I’d have a look at some of my other videos as I have a few on my no buy year which helped me save and other related topics
@@KirstyKirby
i have no impulse spending but due to financial living crisis trying save for deposit for property , in this economical climate
does no buy year imply non buying of unnecessarily commodities and items which are irrelevant. just like to improve my financial situation, as and single 37 year dude
thankyou very much Kirsty have a nice day,
@@taresy6789pp hi I explain what a no buy year is in those videos. It’s a bit long to reply in a short comment. I’m not entirely sure what you are asking for. The basics of saving still apply even now, we don’t always have control of what income comes in, but we have greater control of what goes out.
@@KirstyKirby @Kirsty Kirby i think the concept of no buy year for men and woman differ
as i know most ladies do spend buying clothes and cosmetic beauty prod for guys bit different expensive watch designer and the odd gambling to casino
as a dude what does not buy year mean because you know large proportion men gamble on the side so how can you save money if you gamble, my financial situation but hopefully improve for future as i would love to save for deport for house but with the financial crisis very difficult, thankyou very much Kirsty as like we ate in control of our finances wise words from a wise 😀woman
@@taresy6789pp completely disagree with you here, some rather large and unfair stereotyping. Some of the men I know spend WAY more than I do on their appearance be it designer clothing, footwear, tanning, expensive haircuts, gym etc. Also many men I know do not gamble at all, in fact I don’t know many that do on a regular basis.
You won’t like my advice for gambling. It’s don’t do it. The house always wins. And yes a no buy period definitely would not remotely include gambling, it’s not a necessity. If someone feels it is, they probably have a gambling problem.
Seriously, if you are struggling to stop gambling, please seek professional help. Local citizens advice might be able to point you in the direction of free resources.
I’m sure I would get miserable with rain and clouds but with drought I’d like to be miserable for a month.
Oh yes I know what you mean. The upside of this miserable weather is I don’t need to water the plants! 😊
As far as I know you are a single person so buying yourself a dishwasher is such a waste of money and electricity after and water wastage for single person is absolutely fine just to wash the dishes manually it doesn’t take much time and it’s not much to do so I’m quite disappointed with what you did it
I never talk about any of my personal relationships online and likely will never do so.
I disagree. As I have explained in other videos I have a traditional boiler, was costing an absolute fortune to heat just for the dishes, and did not have water available when I wanted it, as don’t have it set on a timer or I’m just heating water I may never use. The dishwasher was £40 second hand and not remotely a waste of money in my opinion. Also as I cook everything from scratch this creates much more dishes than some.
Modern dishwashers are very economical on water, even the least efficient ones have been found to use half the amount of washing by hand. The most efficient ones have been found to use 10 times less water than hand washing.
The quality of life improvement has been dramatic for me. If it’s not for you thats fine, but Im afraid I won’t be made to feel bad for your disappointment in me in not wanting to hand wash the dishes.
@@KirstyKirby noone is asking you to do so here, it's just pure economy, do not you have a hot water storage tank?
@@frugalhappy9572 I think you are misinformed on the cost of running a modern efficient dishwasher vs heating the water with a 20 year old boiler and the overall water use.
Either way I’m not prepared to argue with you. Whats right for you won’t be right for others, and that should be perfectly ok and not warrant such judgement.
i lived in a victorian terrace with a conservatory thinking id spend evenings after work there truth be told we rarely used it it was boiling in the summer and freezing in winter and made the whole house cold i spent hours sealanting the entire roof as the leaks drove me mad i would never get a house with a conservatory again with regards to kitchen storage and blocking off the conservatory i used to follow a vegan chef on you tube i dont shop in shops or supermarkets i buy 99% direct from the farmer and preserve it to last the year so i have lots of vacuum sealed glass jars of food her kitchen was 90% bookcases it looked fab lots of jars of food all of her plates n bowls etc and small appliances and thats the next kitchen im gonna have non fitted i dont know what your facebook marketplace or ebay is like but you could have back to back bookcases so the kitchen side is for kitchenalia and the conservatory side is books and nik naks etc but its not permanent and can be utilised elsewhere re your bathroom extension could it become garden space i too have an entirely paved garden not a handful of exposed soil anywhere i wanted to grow as much food as possible in a vegan permiculture way i found a local chap who could make planters from thrown in skips at his work he made me 2 matching wooden compostbins as i was raw vegan for 7 years and amassed lots of kitchen food scraps which i wanted to make into my own soil ultimately over a year he made me 15 massive planters they have a british organic fruit tree in it and elderberry bushes and daffodils when i move they are coming with me i created a stumpery/fernery i got the stumps for free and they delivered them as i wanted to grow my own mushrooms all in i have a resident hedgehog a resident fox a field vole and i can spot 6 different british birds some days from my home as the soil is rich with years of my food scraps i dont spray anything so i get lots of wild strawberries in the paving cracks my garden is 99% edible and i love that
Thank you for the suggestions, but lots of bookcases and lots of open storage Is absolutely not my cup of tea, I like things put away not on display personally. I understand your thinking in terms of ‘blocking it off’ but it needs natural light, bookcases over those spaces would make it a dark unlit space which is horrible in anyones home.
Knocking down the extension to create more garden space would not only cost money but would also devalue the property by thousands, absolutely not remotely something I would do. I didn’t want a house with a conservatory but you often can’t tick every box and a vast vast amount of housing stock in the U.K. has them, they were insanely popular in the 90s and 00s as they could be done without planning permission. I have tons of planting in my garden, a huge herb garden and my garden is home to a plethora of birds, apologies if I gave the impression it was a barren bit of concrete, couldn’t be further from it.
Thank you for the suggestions, but lots of bookcases and lots of open storage Is absolutely not my cup of tea, I like things put away not on display personally. I understand your thinking in terms of ‘blocking it off’ but it needs natural light, bookcases over those spaces would make it a dark unlit space which is horrible in anyones home.
Knocking down the extension to create more garden space would not only cost money but would also devalue the property by thousands, absolutely not remotely something I would do. I didn’t want a house with a conservatory but you often can’t tick every box and a vast vast amount of housing stock in the U.K. has them, they were insanely popular in the 90s and 00s as they could be done without planning permission. I have tons of planting in my garden, a huge herb garden and my garden is home to a plethora of birds, apologies if I gave the impression it was a barren bit of concrete, couldn’t be further from it.
Thank you for the suggestions, but lots of bookcases and lots of open storage Is absolutely not my cup of tea, I like things put away not on display and not like nik naks personally. I understand your thinking in terms of ‘blocking it off’ but it needs natural light, bookcases over those spaces would make it a dark unlit space which is horrible in anyones home.
Knocking down the extension to create more garden space would not only cost money but would also devalue the property by thousands, absolutely not remotely something I would do. I didn’t want a house with a conservatory but you often can’t tick every box and a vast vast amount of housing stock in the U.K. has them, they were insanely popular in the 90s and 00s as they could be done without planning permission. I have tons of planting in my garden, a huge herb garden and my garden is home to a plethora of birds, apologies if I gave the impression it was a barren bit of concrete, couldn’t be further from it.