Book review + win a copy of Mindset Medicine by Mari L. McCarthy

Mindset Medicine

Today I’m reviewing the book Mindset Medicine by award-winning international bestseller Mari L. McCarthy and also offering my readers the opportunity to win their own copy!


Those of you who know me will no doubt be aware that in addition to my frugal French leanings I am a writer and also a BACP accredited psychotherapist, so when I was invited to be part of Mari’s book tour for her newest book Mindset Medicine I was excited to join in.

As a blogger and Instagrammer I am often offered products to review, but I rarely ever do because they are something that I wouldn’t use or be interested in – however journaling and self-reflection as a means of managing our mental health is very much my idea of a good time!

In my work I encourage my clients to come to their own conclusions about why certain thoughts or feelings might occur – often this means that we do a deep dive into their experiences and feelings.

When the session is over I am keen for my clients to continue this work so that they may come to understand themselves really well, and that they can continue their good work in therapy long after they have finished paying for sessions. A great, structured way for them to do this is through bibliotherapy (reading for therapy) and also reflective journaling.


In her third book, Mari reveals a journaling power path that leads to an awareness of how vibrant your life will be when you…

• Understand why you absolutely have to love yourself first

• Tap into your hidden gifts and talents

• Declare why others must ALWAYS respect you

• Establish rock-solid unbreakable boundaries

• Promise to be YOUR own superhero!

Loving the sound of this, I dove into the book and was pleasantly surprised to find the language approachable and readable – a tone often missing from many self-help books which can lean towards being clinical and difficult to relate to.

Mari also talks about her own experiences using journalling to deal with her issues (we all have them, even the helpers!) and I found it really made the book relatable and approachable.

Personally, I use reflective journaling to organise my thoughts and understand myself better – as one of my writing heroes once said:

 

“I write entirely to find out what I’m thinking, what I’m looking at, what I see and what it means. What I want and what I fear.”

Joan Didion

If I didn’t write, I am confident that I would have a much poorer view of who I am and what I’m doing here. But I appreciate that not everyone thinks like that, so Mindset Medicine is a great tool for all of us in the exploration of ourselves. It offers guidance, prompts, exercises and examples of how to do this and I found the exercises really useful, even as a seasoned reflective journaler.


If you too would like to read Mindset Medicine, you can enter my competition (UK & EU only) by sharing my related Instagram post in your IG stories and tagging me @frugalfrance – all of these shares are to be completed by midnight CET on 14/02/2022 and I will randomly select a winner – who will receive a hard copy of Mindset Medicine – to be announced on my Instagram account on Tuesday 15/02/2022. Bon courage!

Missed out on the competition? You can pick up a copy of Mindset Medicine here. My copy has been #gifted to me as part of the Mindset Medicine Women on Writing book tour, however, my review and opinions are my own.


About the Author

Mari L. McCarthy, Founder and CEO – Chief Empowerment Officer of CreateWriteNow.com, teaches curious health-conscious action-takers how to use Journaling For The Health Of It®️ to heal the emotional, creative, physical, and spiritual issues in their tissues. She also shows them how to use this powerful personal transformation tool to know, grow and share their True Self. Mari is the multi-award-winning author of Journaling Power: How To Create The Happy, Healthy Life You Want To Live, Heal Your Self With Journaling Power and Mindset Medicine: A Journaling Power Self-Love Book. She’s also created 20+ Journaling For The Health Of It® Self-Management 101 Workbooks including Who Am I?, Take Control Of Your Health! and Start Journaling For The Health Of It® Write Now.

Our first month living on less than 1000€ in France

I’ve been keeping an eye on the “pub” for good shopping deals

Winter – is it really the time to try to spend less?

November will be remembered in this house as the great cut back of 2021, where we put into practice the challenge of living on 1000€ for our day-to-day living. Though in my opinion, wintertime in rural France is not a great period in which to decide to spend less.

It starts to get dark here pretty early – towards the end of October and certainly November is a dark month. Nowadays by 17h30, we can be sure to need our lights and likely a form of heating on. And as you may have guessed our old house – in the final throes of the interior renovation such as it is – is not especially economical to heat.

We only have one wood burner which is located in the now-dining room, and whilst fiercely powerful it does not lend any heat to the upstairs. Plus at a height of 3 metres, our far away ceilings rob us of a layer of warm air no matter how efficiently it burns. We currently have oil fuelled central heating and hot water from a boiler the same age as me (!!) which isn’t efficient, nor easy to regulate as many of the features on the complex German console no longer work.

We do have our new Dimplex electric fire in the lounge, and a small collection of electric powered oil filled mobile radiators from Mill scattered around the newly renovated upstairs where we have no permanent radiators yet.

All in all, we are in a better place than we were last year in terms of heating and insulation, but still a long way off my plans for an energy-efficient home.


The Intention

So, I’ve digressed a little here about winter costs, but hopefully, you will still follow my reasoning that these cold months are not the easiest in which to pinch your purse. I am, as many of you will by now know, very stubborn and nonetheless am sticking to this intention to live on 1000€ day-to-day. I thought a breakdown of how I hoped the costs might go would be helpful:

ExpensesGoal
Petrol100,00€
Shopping (food and home)400,00€
Pets145,00€
DIY50,00€
Entertainment50,00€
Total745,00€

Monthly BillsGoal
Mobile contract 114,99€
Mobile contract 214,99€
Broadband36,99€
Electricity37,50€
Gas9,00€
Amazon Prime4,08€
Total117,55€

Before any reconciliation has been done, I found this divvying up of my expectations for our spending to be really useful. It highlighted to me that we are paying too much for our mobile phone contracts, and motivated me to find a cheaper option. It also showed me how much our beloved animals cost each month in terms of their keep and so motivates me to find frugal ways to meet their needs without compromising on their care. Unfortunately for us, pet costs are high due to long term illness in Ralphy with high diabetes medication costs, and neither he nor Margot are young enough to be insured.


The Reality

If you’re interested in watching your budget and seeing how little you too could live on – either as an experiment or through necessity – I highly recommend building a budget spreadsheet that you can use to work out your monthly and annual costs. I can create a copy of mine for you all to download and try out yourselves if you are up for the challenge?

Let me know in the comments or on social media if you’d like one, and if there is demand I’ll upload one for use.

Here, edging towards the end of the month I don’t plan to shop or spend anything else beyond picking up some milk this evening ahead of a likely snowy weekend here in Limousin, so I think it’s safe to report our actual spending for the month. It looks like this:

Monthly BillsGoalActual
Mobile contract 1 14,99€15,13€
Mobile contract 214,99€18,35€
Broadband36,99€36,99€
Electricity37,50€37,50€ (saved)
Gas9,00€9,00€ (saved)
Amazon Prime4,08€4,08€ (saved)
Total117,55€121,05€
ExpensesGoalActual
Petrol100,00€121,92€
Shopping (food and home) 400,00€278,54€
Pets145,00€157,39€
DIY50,00€43,20€
Entertainment50,00€58,29€
Total745,00€659,34€

What isn’t included

In this monthly running sheet, I’m tracking the items that we have some control over and the power to change how much we spend.

We own our home outright, so there is no mortgage or rent to pay. I also haven’t included items which are immovable bills which we save for separately each month and do not come out of our 1000€. This includes our tax d’habitation, tax foncière, the annual water bill, car insurance, home insurance and our heating oil top-up.

It also does not include our car maintenance, however, we are lucky that our old banger of a car that I bought for £1000 on Gumtree before we moved, and imported from the UK when we got here – whilst extremely uneconomical – is very reliable.

Fuel prices are rising here in France

My reasoning for this delineation between bills is that they occur either annually or bi-annually, and so realistically I’m going to be putting a lump of money aside for them to be paid in one go (I don’t like to pay things monthly when I can afford to pay outright). This money may come from savings that I set aside from what’s left of my take-home income that’s above the 1000€, or – on a very good month – it might be made up of any delta from the 1000€ target for our regular bills. I’ll see as time goes on.


What is included

I am including electricity, gas and Amazon prime within these goals because they are totals that are within our control to alter – to some degree – and we could do away with Amazon Prime completely if we wanted to. We do see this as a worthwhile expense, however, as since we live so rurally, if we were to try to source many of the things which we might need for the renovation or home via shops (or even other online shops) then the cost of shipping or driving to collect these items would be much higher. In this way, a Prime subscription saves us money.

The electricity bill comes out every other month, and I’m expecting my current spending goal to be too low for the winter months. I have been looking at our actual usage thanks to our Linky box installation from the summer, and this is likely to double for the winter months sadly, but I’ll leave it how it is for now to monitor the progression.

In terms of gas usage, we do not have mains gas and so run our hob from a small Cube gas bottle under the sink. They cost around 26€ each and a bottle will last us around 3 months, so I’m putting aside this 9€ goal each month so that we have something to pay it out of when we come to need a refill.


Conclusion on our first attempt

I think we have done pretty well with our initial month and in terms of sticking to our goals.

Grand total month spend862,55€

Some things have exceeded their goal – pet costs were high this month due to Margot unexpectedly injuring her leg and associated x-rays and vet visits which came with that pushed us into the red. We also ended up buying some items for Freddie that we never got to use as he only survived a few days after we found him, so we will hang onto the kitten milk and bottles for the next little fluffball that we come across.

Margot needs her own independent doggy budget

Entertainment for this month includes the purchase of two new SIM cards and a prepayment for December for the new mobile phone contracts that I mentioned which will bring our mobile costs down to 9,99€ each. We have found our old contracts were slowly creeping up in price year on year, and also we have been paying a high price to briefly call or message friends who are still using UK mobile phone numbers in France which this new contact will no longer penalise us for.

There are a couple of things which haven’t yet cleared the bank account, and happily one of these is our order of a Christmas tree through our village school – the proceeds of this will go towards providing days out and materials for the school children so we are very happy to spend on a local supplier providing our main Christmas decoration. You may remember that we didn’t have a tree last year due to the addition of Percy to the house and her kitten infused mischief, but also we were in the messy stages of renovation and we couldn’t face all the unpacking and packing away only to add another layer of paint and brickdust. So this year’s 24€ tree will be well appreciated and enjoyed. I’ll be sure to include any late clearing cheques (yes, cheques!) in next month’s roundup of the challenge.

Next time and thanks for reading!

If you got this far with me going into this level of detail about how many cents we have left at the end of the month, I thank you and salute your commitment to this personal spending conundrum, you’re my kind of person 🙂

Next time I plan to write about how I spend so little on our good quality food and things for the home whilst still living a French lifestyle that I think is pretty great. I’ll be sure to share tips and ideas on how you can do the same.

What do you think? Do you have any questions? Do you think we could be cutting anything else back further still?

Let me know in the comments!

Free Illy coffee capsules in November (and how to try shopping items 100% free in France)

Big brand names attract me to their products as much as the next person, and I recognise Illy coffee as a premium product due to reputation, and not least of all the high prices associated with their items.

So when browsing in the supermarket this week, I happened upon a box on the shelf with a Satisfait ou Remboursé sticker. These are a thing of joy for the frugal shopper because that sticker usually means that by following the brand’s required steps, the item will be free (depending upon whether your proof of purchase needs to be posted or not).

Illy coffee pods are usually out of my frugal budget
The Saitsfait ou Remboursé offer is nationwide

The moral of the story

Using these stickers can be a bit of a contentious issue in the frugal community because usually, the brand wants feedback on what was at fault with the item in order for you to qualify for a refund, however, sometimes they just want general feedback and so anyone can request their reimbursement with a clear conscience. Of course, if you do find a fault with the product, so much the better, and you can provide useful feedback to the company for their trouble. So, to each their own – if you are satisfied with your product, then, of course, you don’t need to claim your money back.

You make your choice for yourself.


How to claim your money

If you do decide that you’d like to reclaim your expense and want your 100% refund for your Illy capsules then look for a box with the Saitisfait ou Remboursé sticker on the shelves over the coming weeks – this offer is only valid until the end of November 2021.

Find a participating product with the Satisfait ou Remboursé sticker
Be sure to check dates of validity

You’ll need to buy your product, retain your receipt and the barcode from the box, and navigate online to the related website (details on the back of the sticker) to claim your refund.


Follow the steps online
Submit your request and await your refund

By following the steps and providing your French bank details (all perfectly safe to do) then you, like me, can expect a little deposit of the price of your product in your bank account in the next 12 weeks. Winner!


Join in and share

There are a great many of these types of offers circulating at any given time, and if you’d like to share one that you’ve spotted then please do share it with the rest of us over on my Facebook group Frugal Living in France where you can meet other frugally minded individuals, and share tips on saving money whilst enjoying life in France.

Bon appétit!

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