Saving Money The Victorian Way

header1Now we’ve rung in the New Year, many of us will be looking at our bank balances and feeling twinges of regret about our overspending during the holiday period.  According to Forbes Magazine, consumers who took on additional debt this holiday season added an average of $1,003 to their balances. The burden of debt can have a huge impact on both our emotional and physical wellbeing, leading to stress, anxiety, and sleepless night.

If you’re struggling with debt, or have simply overspent and would like to tighten your belt in order to get your budget back under control, then why not look to our Victorian past for a huge wealth of fun ideas on how to save money? Frugality and resourcefulness are both key buzzwords for describing the lifestyles of most Victorians, regardless of their class and social status. Victorian people made do with what they had and were incredibly resourceful when it came to finding what they needed without expense.  Here are some ideas on how you can adopt this philosophy to suit your own lifestyle:

Repair Rather Than Replace

Victorians didn’t have wardrobes overflowing with clothes in the way that so many of us do: they certainly didn’t feel the need to wear a new outfit for every social occasion they attended. Clothes were not purchased off the rack: each gown worn by a woman, for example, would be made either by a professional seamstress or (if finances didn’t allow) hand sewn at home. As a result, dresses were often repurposed and updated to suit changing fashions, and repaired when they were showing signs of wear, rather than simply discarded. Modern money savers can learn a lot from this Victorian model: why not learn some simple sewing techniques? It is much more cost effective to replace a button than buy a new coat, and small holes in garments can be repaired very simply with minimal skill and technique. By repairing rather than replacing clothes, and other items around the home, you’ll be amazed at how much money you can save: that money would be much better spend on removing the burden of your debt and living a debt free life than on continued consumerism and things you don’t really need .

Ditch Your Car

Very few Victorians had their own personal transportation: the Victorian era was the era in which public transport became more easy and convenient to use than ever. Regular buses, trams, and even a rudimentary underground railway system (which would later become the subway) were all established during the Victorian era. Taking public transport is easy, cost effective, and what’s more it’s also great for the environment. Contrary to popular belief, nearly all forms of public transport pose less of a cost to the average commuter than driving and, thanks to increasing congestion and traffic, you can often reach your destination much faster if you are travelling by public transport too. Why not ditch the car (at least for a couple of months) and see how much money you could save on gas, parking, and car maintenance expenses? You might even find that taking public transport is so convenient that you never want to jump in your car for simple journeys again!

Grow Your Own Vegetables

Why not make like a Victorian and use your backyard space to grow something useful, such as vegetables? No matter how big or small their outdoor space, the Victorians often utilized this to grow vegetables in order to ensure they had access to a nutritious meal without having to spend any more. What’s more growing your own vegetables is a fun and inexpensive hobby that you can involve the whole family in, and it provides a great lesson for children about where food comes from, as well as encouraging them to spend more time outdoors. Carrots, tomatoes, potatoes and cucumbers are all very simple to grow for a beginner, and you will soon be able to eat and enjoy the fruits of your labour, whilst watching your grocery store bills decrease as a result. Have a large yard and enjoy the idea of growing your own food? Why not consider buying some chickens and a small chicken coop: much cheaper to own as a family pet than a cat or dog, when you own chickens of your own you will always have a ready supply of eggs for breakfast!

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Recreating A Victorian Christmas: It’s Not As Difficult As You Think By Eve Pearce

539770-bigthumbnailA winter festival has been celebrated since pagan times but it wasn’t until the Victorian era (1837-1901) that traditions that are associated with Christmas really took off and the season began to resemble modern-day Christmas.
You may have thought that Christmas cards, Christmas crackers, turkey dinner with too much punch and opulent toy store displays were symbols of the commercialism that comes with today’s festive season, but they actually had their origins in Victorian times.

Christmas Cards

The Christmas card was born in 1843 when wealthy business man, Henry Cole, hired an artist to design a card for Christmas.  The artist drew a family around the dining table and it contained a festive message.  The cards were sold for an impressive one shilling each, putting them out of the reach of most ordinary people.  The expense meant that children were encouraged to make their own, before mass printing techniques in the 1880’s brought the price down.

To make your own Victorian Christmas cards, just follow these simple steps:
1 Create lace effect paper using strips of ordinary plain paper and cut out a scalloped edge.  You can do this via a template or draw your own.
2. Place a folded cloth under your paper to protect your table and then use a pin to make lots of tiny holes in your paper – this will give it the appearance of lace.  If children are making the cards, please ensure you supervise them.
3. Stick your ‘lace’ paper along the edge of a piece of white card.
4. Stick a Victorian picture onto the front of your card – or if you want to have a go at recycling you could use pictures from last year’s cards or cut them out from leftover Victoriana gift wrap.  Examples of the types of illustrations that adorned Victorian cards can be found from an original collection at the Library of Birmingham.
If you are unsure, you can also watch an instructional video by the BBC.

Christmas Crackers

In 1847, a confectioner called Tom Smith was looking for a new and inventive way to sell sweets with a bang.  He had discovered the sugared almond ‘bon bon’ in France and wanted to make it more popular with his customers in Britain, so he began by wrapping the bon bons in paper tissue with a love moto. The idea for the cracker was inspired by the sound of a log crackling in the fireplace. Tom thought that to combine the wrapped sweets and motto with a crackle would make them more appealing for Christmas.  He experimented with chemical compounds until he found one that made a bang when the paper was torn. The iconic cracker had arrived.

You can make your own crackers:
1. Take the cardboard inners of three small toilet rolls and measure out some tissue paper the same length as the cardboard rolls.
2.  Place double sided tape along one edge of the tissue paper, roll up the toilet rolls and stick down.
3. Roll up a second sheet of paper tissue that is slightly shorter than the first sheet.
4. Tie a ribbon at the neck of your cracker and remove the end toilet roll, then place a cracker snap inside, with double sided tape at both ends to secure it to the tied end of the cracker.
5. Place sugared almonds and a love motto in your cracker and tie up the remaining open end with another ribbon, sticking down the second piece of tape on your snap.
6. You can decorate your crackers with bows, pieces of fabric or Victoriana images.

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Turkey Dinner

Turkey was the meat of choice for upper class Victorians on Christmas day and it gradually replaced the more traditional choices of beef and goose, until by the start of the 20th century, it became the most popular seasonal dish.  You could opt for goose if you want to try something both traditional and different.
Charles Dickens described a Christmas dinner of roast goose with sage and onions, gravy, mashed potatoes and apple sauce in his famous novel, ‘A Christmas Carol’. It’s really easy for you to have the same.

1. Preheat your oven to the temperature suggested for your goose.
2. Remove giblets and excess fat from the cavity – you can use this fat to spread over the goose to enhance the cooking.
3. Stuff the neck cavity with sage and onions – slice your own onions to add to the mix as this tastes far more superior than packet sage and onion.
4. Pierce the skin with a fork, add a small amount of salt and pepper and rub butter into it. Place on foil on a meat tin in the center of the oven.  You will need around 2 hours, 45 minutes of cooking time for a 4.5kg goose.
5. Transfer to a serving dish and leave to stand for 20 minutes before you carve as this will retain more of the flavors.
6. Add home made mashed potatoes with butter and a spoonful of apple sauce.

 Christmas Trees

Pagans used to decorate fir trees in their winter festivals but the traditional of the Christmas tree began when Prince Albert got one for Queen Victoria. The Illustrated London News published a drawing in 1848 of the prince and Queen and all their children surrounding an elaborate Christmas tree decorated with candles, home made decorations and sweets. After seeing the drawing, the public followed suit.
You can go traditional by choosing a real Christmas tree and decorating it with handmade paper ornaments and sweets you can hang from the branches. If you want to go all out, you could even try real candles.

1. Get clip candle holders so you can safely attach your real candle to your tree
2. Don’t place any other decorations above your real candles
3. Always light your candles from those at the top of the tree down, so you don’t accidentally set fire to your clothes
4. Make sure you count the number of candles you place on your tree and what position they are in
5. Have candle snuffs and a fire extinguisher in case of an emergency
6. Only have your candles lit for short periods of time and never leave your candles unattended
7. For a safer option, you could use LED tea lights in your clip on candle holder – while not strictly Victorian, LED’s are a no flame light.

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Christmas Presents

Macy’s Department store in New York was one of the first to create a Christmas toy display in their window in 1897, the first time themed displays had been tried.  However, as toys were handmade they were expensive and out of the reach of most parents so the average Victorian child received a stocking containing fruit, nuts and if they were lucky, sweets.  You could try this by choosing a traditional knitted stocking (or knitting your own) and adding fruit and nut selections and some sugared bon bon’s.  You might want to include some back up presents too and diffuse any Christmas drama.

Greening Up A Historic Home By Zoe Clark

1Victorian homes are the most romantic and elegant properties to live in. There is so much history and enchantment hiding in their every cranny, nook and secret compartment. They are built in the distant period between the 1837 and 1901, so you see why it may be difficult for these houses to keep track of all the challenges the present day is placing in front of them. Although Victorian homes surely aren’t lacking a thing when it comes to refines of their architecture, there are some room for improvements in the area of energy-efficiency, which is something the architects didn’t have to worry about during the reign of Queen Victoria. So, if you are living in one of these old beauties, here are a few things that might help you with lowering your energy bills and reducing your carbon footprint.

Insulate the “Old Lady”

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Has anyone ever told you your house is breathing? If your old home is older than a century, you can probably expect a lot of gaps between boards in walls and ceiling, as well as a few around the doors and windows. Seal them to prevent warmth from leaving your apartment (and coming in if we are talking about hot summer days). Later, you should add insulation to the attic. In most cases, you don’t even have to remove the existing layer before applying the new one. Examine the HVAC system to see if there is a need for sealing them.

Making Your Windows Greener

If you want to get more efficient windows in a new house, you should install double or triple glazed windows. With historic homes, the situation is a bit different. Removing the old windows and replacing them with the new ones would affect the historic appearance of the building. A neat alternative is to supplement your old windows with storm windows, so you can save energy without affecting the historic character of your property.

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Use Energy-Efficient Light Bulbs

If there is one change you can make that is affordable and doesn’t harm the historic appearance of your house in any way, that is replacing your old incandescent light bulbs with compact fluorescent variety (CFL).

Replace Old Appliances

Just because your house is built in 19th century doesn’t mean you have to use an icebox instead of a modern refrigerator. On the contrary, because of the growing popularity of “vintage” you will find a lot of historically-looking appliances with modern features. Still, the most important thing to look for when searching through appliance stores are the Energy Star rated devices.

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Control the Heating

Old homes are designed in times when each room was heated separately using open fires, which was more efficient than heating each room separately. The transition to a modern heating system did no good to historic homes and their heating bills. Address this issue by manually controlling the valves in each room, or by getting a programmable Wi-Fi radiator or installing a smart thermostat.

Reduce Your Water Consumption

Electricity is not the only resource that is being wasted in a non-energy-efficient home. Water can also be a great chunk of the monthly bills, especially if you are dealing with problems typical for older houses, such as water-guzzling showerheads and toilets, and leaky faucets. Replace them all with low-flow models, which are energy-efficient and can save you up to 77 percent of the water usage.

So you see, old houses can learn new tricks, but only when the owners are willing to invest time, money and effort in them. Sure, Victorian houses are a habitat to wish for, but that doesn’t mean they too don’t have their flaws. Do your best to improve them, so that they are bringing you more joy while taking less money from you.

Five Ways To Increase The Value Of A Victorian House By Mackenzie Fox

victorian houseIn today’s world, most homeowners cycle through a number of different properties throughout their lifetimes. That’s because a person’s needs can vary greatly according to age, income bracket and the total number of people in their household. It therefore becomes paramount for any homeowner to be able to maximize the value of their property at any given time. When it comes to period homes such those dating back to the Victorian era, the benefits of owning such charming abodes are offset by certain time-specific quirks and particularities that can really drive down a house’s selling price if left unresolved. To that end, here’s a list of suggestions that should help you increase the value of your Victorian home as well as improve your living conditions on the whole:

Restore the house’s original Victorian features instead of replacing them

A common mistake that many people make when purchasing period homes is assuming that an older house needs to compete with all the amenities offered by a new one. While older properties do indeed stand to benefit from being technologically up-to-date, this should never come at the expense of their own particular charms. Things like cast-iron fireplaces, sash windows and old-fashioned radiators are a plus in this situation, so take steps to restore or replace them with similar models instead of simply substituting them with contemporary items that are destined to look out of place in this environment.

Convert your loft into a livable space

Converting a formerly unused loft is one of the best ways to significantly increase the value of your period home. It adds an entirely new space that can be utilized by prospective homebuyers, which definitely makes it worth investing in. If your space up there is too cramped to add another bedroom, try converting it into a workout or hobby room instead.

Eliminate outdated plumbing and electrical systems

No matter how sturdy and well-built they are, most period homes will invariably show their age when it comes to plumbing and electrics. From old wiring to lead pipes and a general lack of electrical outlets, there are a number of problems in older homes that can drastically affect their overall livability. Eliminate them for good by hiring quality contractors who can handle the delicate rewiring and pipe replacement procedures that will have to be tackled. This step can be quite costly and time-consuming, but it’s an absolute must if you want to bring your Victorian house into the 21st century.

Spruce up the property’s exterior

First impressions are crucial when it comes to determining the value of pretty much any property, which is why it pays to make some timely investments in your house’s exterior. Some of them, such as repainting your windowsills or tending to the garden, will be cosmetic in nature, but others will have a direct impact on the house’s utility bill. To give just one example, properly insulating your walls and roof can prevent heat from leaking out during the winter, and thus save you a considerable amount of money in the process. As always, be sure to respect the house’s Victorian heritage. For instance, replacing traditional sash windows with modern UPVC windows will only serve to muck up your property’s image and therefore reduce its overall value.

Invest in appropriate furnishings

Finally, no period home would be complete without some truly appropriate pieces of furniture. Luckily, good quality period furniture can be found at relatively low prices if you know where to look and generally tends to enjoy a longer lifespan than most modern furnishings. This doesn’t meant that you have to stick exclusively to one style of furniture, but you’d do well to only look for pieces that fit well together and refrain from modern minimalist items that would stick out like a sore thumb.

As you can see, it doesn’t take much to transform a Victorian house into the home of your dreams. By simply applying all of the aforementioned tips and tricks, you’ll be restoring your property to its former glory and helping maximize its market value at the same time. Thus, anyone who ends up staying in it will get to enjoy all the benefits of living in a unique environment with none of the drawbacks usually associated with such places.

~Written by Mackenzie Fox – All Rights Reserved

Common Problems In Victorian Homes: House Of Haute Style Or Horrors By Zoe Clark

1Ominous yet romantic, Victorian homes are a living example of timeless elegance and longevity, which is one of the main reasons why houses dating to this era are extremely popular among homeowner hopefuls. Still, every piece of property has its perks and downsides, and the same is true of Victorian homes. Underneath their beauty and complex trims, houses built in the second half of the 19th century can hide serious hardware issues, which is why home buyers need to be extra careful when inspecting their home-to-be with over 100 years under its belt. Here’s a brief list of the most common problems lurking beneath lavish Victorian frills to help you tell a money pit from the real value deal.

1. Weak-legged Victorians

Foundation issues are all too real a problem in old houses. However solid, the base of many a Victorian home can shift due to land subsidence, resulting in further structural hitches such as cracked or bulging walls, door and window defects, and even plumbing and wiring problems.

When inspecting your future love nest, look for floor and wall flaws, door and window latching problems, and foundation chipping or flaking. In case you detect signs of foundation glitches, a structural engineer may need to step in and see whether, where, and how the damage can be repaired.

2. It never rains but it pours

2Roof defects are a chronic problem of old property, and Victorian homes are not an exception. Leaks, faulty flashing, missing shingles or tiles, and poor insulation upstairs are red flags which you shouldn’t ignore when looking for a place to settle down.

During preliminary home viewing, check the walls and ceiling for signs of staining and peeling paint that may point to water intrusion. Broken or damaged roofing material can be replaced, insulation can be upgraded, and flashing flaws can be taken care of, but you’ll need to be aware of the total repair costs before you can call the property a home-sweet-home.

3. Budgeting down the drains

If the basement of your Victorian property find is smelling a bit worse for old age, it may be a good idea to check it for signs of mildew infestations. Mold and musty odor below ground level can point to plumbing faults, perimeter and underfloor drainage issues, or even foundation waterproofing hitches, which you’ll need to tend to and upgrade to contemporary standards before you move in.

In case you smell trouble in the basement, hire a professional to conduct a thorough inspection and estimate the upgrade scope and cost. This will help you get a better image of the post-move repair and upgrade expenses which play an important role in initial capital required to make the place livable.

34. Marrow-chilling prospects

Victorian doors and windows do look spectacular, but unless they’ve been updated in the past decade, you’ll probably need to have them checked, replaced, or repaired before you drop your gear on the floor.

When inspecting your future Victorian-age property, take a quick look at the frames, panes, and surrounding insulation: stains, cracks, mold, and other forms of damage can add a few figures to the post-purchase update bill. Also, be aware that certain features of an old home can’t be remedied due to their historical value – which is a real deal breaker.

5. Looming layout layovers

4Victorian homes usually have narrow hallways, tiny kitchens, tight and steep staircases, and modestly sized bedrooms, which can be problematic if you’re set on buying property for house flipping projects that promise a big bang for your buck. Modernizing a true-blue Victorian home will probably require extensive layout redrawing, and such endeavors are by far the costliest update in the fix-ad-flip lot.

For this reason, be very careful when selecting old houses to flip: Victorian charm is an asset only if the renovation doesn’t involve comprehensive floor plan changes and wall relocations.

Modern Victorian style is in – but the fact that antique houses are currently in high demand on the real estate market doesn’t mean that just about every old place is worth your cash. Double-check the critical property points before you sign the contract: a little extra care and inspection can save you thousands in the post-purchase update process. Good luck!

Author bio:

Zoe Clark is a journalist, freelance stylist and blogger. She is a visual storyteller and aesthetician by heart who often writes about decorating and DIY ideas. She loves sparking creativity in people and giving them ideas for their own spaces.