Totnes_Directory_June_2022

Over 4,200 copies delivered free every month to the homes and businesses of Totnes

June 2022 | Issue 180
www.totnesdirectory.co.uk

TOTNES TOWN MARTIN TOTNES FASHION &
COUNCIL LEWIS TEXTILES MUSEUM

Our first Community Is it time to ditch “Bold & Brash”
Exhibition
Award winner your cash ISA?

TPlHeasOe RmeOntUionGTHotnLeYs DPirIecCtoKryLwEheDn !resCpoonndivngetrotadyvoerutsr leftovers into soil and plant foo1d

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Inside...

18 DARTMOOR WALKS 07

Avon Dam & Abbots Way TOTNES TOWN COUNCIL
Our first community award winner
38 TRANSITION TOWN TOTNES
12
Meet the team & Transition Streets
TOTNES FASHION & TEXTILES MUSEUM
40 THOROUGHLY PICKLED! Bold & Brash exhibition

Convert your leftovers into plant food 22

42 MEANDERING NATURALIST RIVERFORD RECIPES
Spice up your summer veg!
In search of goosander
32
44 KEVICC
Shutterstock.com
Musical talent and Ten Tors training

48 MARTIN LEWIS

Is it time to ditch your cash ISA?

52 TOTNES HERITAGE TRUST

£100,000 grant by the National Lottery

54 PDSA PET CARE

How to protect your pet against ticks

56 ON THE ROAD

Zero emission motoring

72 TOTNES MUSIC SCENE

Summer sounds

74 TOTNES TOWN BUS

Routes & timetables

76 TOTNES LIBRARY

Summer activities

78 A-Z INDEX

Advertisers & service providers

CONTACT US

T: 07875 538 848
E: [email protected]

www.totnesdirectory.co.uk OUTDOOR LIFE
Twitter: @TotnesDirectory Make your garden flutter

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Dear resident...

Welcome to the June edition of the Totnes Directory. Useful Numbers

For many years we have reported on the progress of Police 999 or 101
Incredible Edible Totnes, which is a community project Post Office 0845 7223344
that grows fruit, herbs, nuts, vegetables, and edible Electricity 0800 365900
flowers in public and unused spaces across Totnes for Gas 0800 111999
everyone to share. A team of enthusiastic volunteers Water 0344 346 2020
have planted and maintained these growing sites for Flood Watch 0845 9881188
over fifteen years. In this month’s update Transition Town Totnes Community
Totnes introduce Paul Bradbury as the new Incredible Hospital 01803 862622
Edible coordinator. To read the full story and catch up Leatside Surgery 01803 862671
on other Transition Town activities please turn to page Catherine House Surgery 01803 862073
thirty eight. COOP Pharmacy 0500 970487
Morrisons Pharmacy 01803 840340
Another project we followed closely and featured regularly Citizen Advice 0808 278 7948
is that of the restoration of St Mary’s Church, therefore we Town Council 01803 862147
were delighted to learn and share the news (please see Tourist Information 01803 863168
page fifty two) that the National Lottery Heritage Fund Library 01803 862210
has awarded the project £100,000 which will hopefully Rail Enquiries 08457 484950
allow Totnes Heritage Trust to progress the plans and RSPCA 01803 866597
eventually apply for a full National Lottery grant. South Hams
District Council 01803 861234
Also this month, Totnes Town Council announces its first Totnes Caring 01803 865684
Community Award winner, Inga Page’s Dartmoor Walk Totnes Social Services 01803 869300
takes us to Avon Dam, KEVICC celebrates its Ten Tors Caring Town 01803 864450
participants and Martin Lewis wonders if it’s time to cash The Priory Church of
in your ISA? St. Marys, Totnes 07775 356 652

Along with our regular features together with a
comprehensive index of local traders and service
providers we hope you find the directory both useful
and interesting. Please don’t forget we will be happy
to publish any community news, stories or interesting
articles completely free of charge.

Finally please remember to say:
“I SAW IT IN THE TOTNES DIRECTORY”
when responding to adverts.

Best wishes

Richard & Shona

Whilst every effort has been made to ensure the accuracy of material published, the Totnes Directory take no responsibility for
accuracy of statements made by contributors or advertisements or for the loss arising from non publication of any advert. All
images and content are accepted and reproduced in good faith. This publication may not be reproduced or transmitted in any form
in whole or part without the express permission of the publisher.

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(l-r) Kit Stevens from Stepping Stones with Emily Price, Community Grants
Ben Piper and Belinda Taylor
Stepping Stones Totnes is one of 11
Cllr News community groups that received a
grant from Totnes Town Council last
We welcome Timothy month. Other grant recipients include
Bennett (pictured left) who Totnes Caring, Totnes Bike Hub, St
was duly elected as a Town John’s Church, Inclusive Totnes and
Councillor for Totnes without Bridgetown Alive! With a combined
contest on 17 May 2022. value of £24,000, the grants will
support a wide range of local projects
Tim said: "I'm a local parent who wants to see that aim to enhance wellbeing or offer
Totnes continue to be a safe, healthy, and other benefits to the area.
inspirational environment for our children to grow
up in. I believe I can bring a young(ish!) and novel If you have a community group or an
voice to the council that will strive to keep Totnes idea for a project, did you know our
thriving economically and socially." community co-ordinator can help you
to access funding from other sources?
New Mayor
On 19 May, Cllr Emily Price took up the role of In the last year, we’ve supported
Mayor of Totnes following her election at the March projects across Totnes to access
Full Council meeting. funding worth over £545,000 from
government grant schemes and
Platinum Jubilee in Totnes other sources.

If you’d like to find out more, email:
[email protected]

Totnes Town Council will be lighting a beacon on Kingsbridge Hill on Thursday
2nd June at 9.45pm as part of the national chain of beacons for the Jubilee.
The flame should be visible from many parts of the town, with particularly
good views from the hills in Bridgetown.

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Traffic Calming Consultation

Thanks to the 750 residents and business
owners who took the time to complete the
recent consultation on proposed traffic calming
measures in the town.

The feedback will be used to determine if local
people support Devon County Council’s
proposal to narrow Fore Street in three places.

Devon County Council will need time to process
the information gathered during the consultation
and consider any changes needed to the
proposals before any traffic calming measures
can be implemented.

Our First Community Award Winner
Congratulations to Graham Walker, our first Totnes
Community Award winner. Totnes Mayor, Emily Price said:
“These awards are our way to publicly thank those local
people who make such a difference to our community.

"Whilst we would have loved to give an award to all our
nominees, we could only choose one winner. Graham has
done so much to help others in our town, raising over
£150,000 for local good causes and I congratulate him for
being our very first winner of this award.”

Market Square Improvements
We’re working closely with South Hams District Council to
make a start on the planned improvements to the market
square, which were put on hold during the pandemic.

Before the agreed work, which includes new seating and 7
planting, starts later this year, SHDC and the Town Council
will carry out a quick refresh and repaint in time for the
Summer.

Keep in touch
This update gives you quick flavour of some of the different ways Totnes
Town Council is working to support the local community and to make our
town a better place to live and work.

For the latest news, go to www.totnestowncouncil.gov.uk or follow
@TotnesTownCouncil on Facebook, Instagram and Twitter. You can also
get in touch with us by emailing: [email protected]

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WE HAVE MOVED!

THE NARR TOTNES
CASTLE
SOUTH ST HIGH ST
OWS CASTLE ST

Find us at:
8 High Street,
Totnes, TQ9 5NN

Complete Foot Care: Rosanne Hunt BSc (Hons) MRCPod
• Removal of corns and hard skin Alexandra Snape BSc (Hons) MRCPod
• Nail cutting and ingrowing toenails Harriet Bragg BSc (Hons) MRCPod
• Fungal nail treatments (instant Peter McLernon BSc (Hons) MRCPod

testing for fungal toenails available)
• Diabetic foot care

Nail Surgery:
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Biomechanical / Musculoskeletal Tailored Exercise Programmes
Assessment: Including 3D gait analysis. Improve muscle strength and stability.
This assessment would be ideal if you’re
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Shockwave Therapy: (FDA approved) Used Verruca Treatment
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splints, acute arthritis and chronic injuries. microwave therapy.

Foot Mobilisation: Involves specific www.footworks-podiatry.co.uk
movement of the joints within the feet
to improve and restore foot, leg and Call: 01803 868888
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TOTNES
FASHION &
TEXTILES
MUSEUM

We all love colour in our clothes. Last year in the
Fashion & Textiles Museum we focused on blue,
exploring the use of indigo in dying cloth. Indigo
is the only natural blue dye and a recipe for using
it on textiles has been recorded as long as 7000
years ago on a clay tablet.

In 2022 at the museum, we will focus on colour
again, but this year we will be multi-coloured. Our
exhibition, called ‘BOLD AND BRASH’, will feature
garments from 1770 to 1990. We will examine the
changing availability of dyes to create these varied
and beautiful colours.

In the past, the palette was limited to those dyes Nowadays, by using synthetic dyes and textiles, we
which could be made from plants and other vegetable can have any colour we like in our clothes. But we also
matter. There is no green dye in nature, yet our know now how polluting making and using synthetic
earliest exhibit this year, a sumptuous mantua with dyes is. We need to begin to reduce their use and
a floral design from around 1770, has a rich green return to using the natural vegetable materials much
base. This effect was created by dying the yarn in more in the future.
indigo and then overdyeing it with yellow.
If you visit our exhibition in Bogan House, opposite
The introduction of synthetic dyes only began in the the market square, you will see something of the rich
mid-nineteenth century. Our exhibition demonstrates array of colours in our Collection. Entry is free, but
this remarkable shift by showing two fine purple we welcome donations. We will be open from17th
crinolines. The colour of the first, dated around 1850, May until the end of September, Tuesdays to Fridays
has been achieved by weaving blue and pink threads from 11.00 – 4.00.
together. The cloth of the second crinoline from about
1862 shows the first use of the synthetic mauvine More information and photographs of the garments
dye. This dye was discovered by accident by a and accessories can be found on our website
chemist William Perkins, who was doing research into www.totftm.org and our Facebook page.
quinine, and it made his fortune.

It was only at the beginning of the twentieth century
that a synthetic black dye was produced. Before this,
cloth had to be dyed with indigo and then overdyed
repeatedly, depending on the cloth type. This made
black cloth extremely expensive.

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Wednesday is senior citizen discount day!

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Get yourself signed up for the
NHS App!

The NHS App can be downloaded for free 5. View your medical record
onto any smartphone or tablet as well as Securely access your GP medical record, to
being accessed via a desktop / laptop see information like your allergies and your
computer. current and past medicines. This would also
allow you to view your vaccination record i.e.
It allows patients to verify their own identities your coronavirus vaccine passport.
using face recognition which allows photo ID
such as passports to be used through a phones 6. Register your organ donation decision
camera, this saves time contacting your GP Choose to donate some or all of your organs
surgery to set you up on other online portals. and check your registered decision.

What the NHS App allows you to do: 7. Find out how the NHS uses your data
Choose if data from your health records is
1. Get advice about coronavirus shared for research and planning.
Get information about coronavirus and find
out what to do if you think you have it. Don’t panic, the NHS App keeps your
data secure
2. Order repeat prescriptions
See your available medicines, request a new After you have downloaded the app, you will
repeat prescription/s and choose a pharmacy need to set up an NHS login and prove who
for your prescriptions to be sent to. you are, this is a easy process. The app then
securely connects to information from your GP
3. Book appointments surgery.
Search for, book and cancel appointments
at your GP surgery, and see details of your If your device supports fingerprint detection
upcoming and past appointments. or facial recognition, you can use it to log in
to the NHS App each time, instead of using a
4. Get health advice password and security code.
Search trusted NHS information and advice on
hundreds of conditions and treatments, and
get instant advice or medical help near you.

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IMPLANT DENTISTRY

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JUNE WALK

HUNTINGDON WARREN & CROSS, AVON DAM
& ABBOTS WAY – 6 miles
(An OS Map of Dartmoor is essential
to be able to follow this walk)

This is a wonderful walk for high which lasted for about 100 years, providing
summer: make sure visibility and the rabbit meat for the tinners and sending furs up
weather forecast are good before to London. The two square enclosures (“plats”)
setting off as the views in this high, wild on the right of the path were a kennel court for
area are spectacular but it would be keeping the dogs in (which were released at
easy to get lost if the mist came down. night to chase the rabbits into nets) and a potato
Or else make sure to take a compass! patch. Up above is a cairn known as the Heap
of Sinners, built by the last inhabitant (a hermit
Park at Cross Furzes above Buckfastleigh known as MoorRoaMan) in the 1950s.
(SX700 667). There’s room on the side of the Returning to the eastern side of the stream,
road for about 5 cars but nowhere else to park, follow it downstream and about halfway between
so get there early if it’s a sunny weekend. Turn the farmhouse and the bottom of the hill you will
right at the T junction, fork left soon after and pass the remains of Keble Martin Chapel. The
walk up the lane all the way to Lud Gate. It botanist and author who lived at the Old Postern
becomes a rutted trackway towards the end, one in Dartington (now Schumacher College) built
of the old lanes used to take animals up onto the this chapel with a group of friends with whom
open moor for grazing. Once through Lud Gate, he spent summers camping up on the moor. You
follow the track uphill and slightly to the left. It can still see the cross carved into an erect stone
climbs steadily and near the top crosses an at one end. Also known as Mattins Corner, this
ancient boundary wall (now just barely visible) spot has the memorable grid reference 666 666!
running down from Pupers Hill. Looking back at Just beyond the chapel, you pass a large ruined
this point, you can see all the way out over Holne wheel pit that was part of the tin mine and there
Chase and the lowlands to the east as far as the are many pools and little falls in the stream
sea, a breathtaking view. around here, which make for an ideal picnic
Soon after the boundary work, you will pass the spot. During and after a wet spell, this area can
crest of the ridge and see ahead of you the ruins be quite boggy so you may need to pick your
of Huntingdon Warren Farm. Continue straight way carefully. Where the stream joins the Avon,
ahead towards it. All around are the pits and there’s a very old cross – Huntingdon Cross. This
gullies of Huntingdon tin mine, closed in the mid- was a marker on the Jobbers Way (better known
19th century. At the bottom of the hill, the track as the Abbots Way, but experts do not believe the
crosses Western Walla Brook. Although our route monks could have managed such a route) which
goes left along the stream without crossing it, it’s ran from Buckfast to Tavistock. From here, the
worth walking over to wander amongst the ruins route follows a well-trodden path downstream
of this lonely place. Huntingdon Warren House beside the Avon, and you can see the reservoir
was built in the 1600s and inhabited until 1956. gradually forming in the valley as you walk above.
In 1802, the family set up a warren (rabbit farm)

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Keble Martin Chapel

Follow the path almost as far as the dam, but after The final stretch brings you past a line of
crossing the Brockhill Stream, carry straight on magnificent beech trees and down to the Dean
uphill rather than going right towards the dam. Burn which you cross on an old clapper bridge,
You are following the Abbots/ Jobbers Way and then climb a short steep track uphill to emerge
once you’ve reached the top, you’ll see the path opposite where you parked.
leaving the open moor at Water Oak Corner and If you’re wondering about a gift for a friend
winding down the valley through meadows back who likes the outdoors, consider giving them
towards Cross Furzes. a voucher for a guided walk on Dartmoor – it’s
This area was planted by Moor Trees many years a great way to see parts of the moor that you
ago and you will notice the increase in birdsong as wouldn’t otherwise see! Dartmoor Walks This
you walk through this lightly wooded area. Ahead Way (www.dartmoorwalksthisway.co.uk) offers
in the distance you can clearly see the tower of regular guided walks on Wednesdays and Sundays
Buckfast Abbey, a welcome sight for those who as well as leading bespoke walks on request.
have just toiled all across the moor!

Hunt Warren

Dartmoor Walks This Way

Made to measure guided walks

Inga Page
07914 184220

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Kung FuFengShou‘HandoftheWind’
& Ladies
Self-Defence

Self-defence
Evasions
Strikes
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Ward-offs
Locks &

Breakouts
Adhering Hands
Kung Fu Forms
and so much more
Mondays, Tuesdays,
Wednesdays &
Thursdays
6-7pm
Cost £7/£6/£5
All Classes at Follaton
Community Centre, Totnes

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www.facebook.com/InnerDepth

t: (01803) 431847/07985 350214

Please mention Totnes Directory when responding to adverts 21

Recipes: www.riverford.co.uk/recipes

Ingredients SWEETCORN DHANSAK
100g red lentils
1 onion, peeled & finely diced Serves: 2 / Prep time: 10min / Cooking time: 40min
15g coriander, leaves This is a vegetarian version of a popular spicy Indian dish usually made with lamb, lentils
removed & stalks chopped and veg. Eat with a bowl of brown rice or naan bread. Look out for sweetcorn in your veg box
150g black rice, rinsed in a throughout the summer and eat it as soon as possible after it arrives so its as sweet as possible.
sieve
2 garlic cloves, peeled & Step 1: Put the lentils in a heatproof bowl or saucepan. Cover with boiled
chopped water & set aside.
3 chillies, deseeded & finely Step 2: Transfer the black rice to a medium saucepan, cover with boiling
chopped (or leave the seeds in water & add a pinch of salt. Bring to the boil then then simmer for approx.
for more heat) 25-30 mins until tender.
125g cherry tomatoes, Step 3: Heat 1 tbsp of oil in a large saucepan. Gently fry the onion &
quartered coriander stalks for 10 mins, stirring occasionally.
1 dhansak spice mix (1 tbsp Step 4: Add the garlic, dhansak spice mix & some of the chilli (add to your
curry powder, 1 tsp garam taste) to the onion. Stir for 2 mins. Add coconut milk. Drain the lentils into a
masala) sieve, rinse then add them too. Bring to a low boil then let it simmer for
1 tin coconut milk 10 mins.
1 sweetcorn cob (peeled and Step 5: Stir the sweetcorn, tomatoes & chutney into the lentils. Simmer for 5-8
kernels removed) mins, until the lentils are soft.
15g chervil, roughly chopped Step 6: In handfuls, stir the spinach into the lentils until wilted. Drain the rice.
175ml yogurt Stir ¾ of the coriander leaves into the curry. Season & add lime juice, to taste.
60g mango chutney Step 7: Mix the chervil & yogurt in a small bowl, adding a pinch of salt to taste.
150g baby spinach Step 8: Serve the curry with rice, yogurt, remaining coriander & some extra
1 lime chilli if you like.

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TwiAthHhIaNlloIumRiO&ASleTntEilsD CAULIFLOWER time: 45min

Serves: 2 / Prep time: 10min / Cooking

Don’t throw your cauli leaves! Step 1: Preheat your oven to 200˚C/Gas 6. Remove the cauliflower leaves. Keep the
They have a lot of culinary leaves, except any very rough looking ones. Chop the cauliflower in half through the
value, as does the stalk. In this stem, then into chunky pieces, using the stalk too. If your cauliflower is very large,
recipe we use both. Cauliflower keep some for another meal – we used 250g of chopped cauliflower.
is roasted in lemony tahini, Step 2: In a shallow dish, mix the tahini with 1 tbsp of lemon juice and 1 tbsp of oil.
and served with fried halloumi Toss in the cauliflower and mix to coat. Pop it all into a roasting tin and season. Set
chunks on a bed of harissa aside.
lentils. Step 3: Separate the large cauliflower leaves, the ones with thicker rib stems from the
smaller, paler leaves. Thinly slice the larger ones, keep the small ones whole.
Ingredients Step 4: Thinly slice the onion. Peel and finely chop or grate the garlic.
1 cauliflower Step 5: Pop the cauliflower into the oven. Roast it for approx. 20 minutes, tossing
2 tbsp tahini halfway.
1 lemon Step 6: Gently fry the onion in a little oil with sliced cauliflower leaves (not the whole
1 red onion ones) for 8 minutes, stirring now and then.
1 garlic clove Step 7: Thinly shred 1 good tbsp of mint leaves. If you like chilli, thinly slice some
15g mint into rounds. Drain the lentils and rinse in a sieve.
1 chilli - optional, add Step 8: Into the onion, stir the garlic and the harissa. Cook for 1 minute. Stir in the
to taste lentils, bouillon powder, whole cauliflower leaves and 250ml of cold water. Bring the
1 tin dark lentils mixture to a low boil and simmer for 5 mins.
1 tbsp harissa - add to Step 9: Chop the halloumi into 2-3 cm chunks. Heat a (dry) frying pan, with no oil in
taste it. When hot, fry the halloumi until nicely coloured.
1 tsp bouillon powder Step 10: Stir the chopped mint into the lentils and season with salt, pepper and a
200g halloumi cheese squeeze of lemon juice, all to taste.
Step 11: Serve the lentils topped with halloumi and roasted cauliflower, with some
chilli and more freshly shredded mint leaves too, if you like.

Please mention Totnes Directory when responding to adverts 23

QTomuaetosaanddBielalnas

These vegetarian quesidillas are quick and easy
yet impressively delicious

Serves: 4

Preparation time: 5 mins
Cooking time: 20 mins

You’ll need: What to do:
250g Tomatoes l Chop the tomatoes into small pieces. If using cherries, quarter them.
2 tbsp olive oil
1 red onion, finely chopped l Heat the olive oil in a frying pan and cook the onions until soft but not
3 garlic cloves, crushed coloured, about five minutes.
1 tsp sweet smoked paprika
1 tsp ground cumin l Add the garlic and cook for another minute. Add the spices and cook
1 tsp chilli flakes for another couple of minutes before adding the tomatoes, cook for
2 tins beans, we used black about five minutes until they have begun to soften.
beans and cannellini beans,
drained and rinsed l Now add the beans to the pan, crushing them slightly with the back
Salt & Pepper of your spoon or a potato masher. Turn off the heat and set to one side.
Four large wraps
120g cheddar cheese l Now place the first wrap in a large, dry frying pan over a medium heat
for a minute or so until it has just started to colour.
24
l Turn it over and put a generous couple of spoonful’s of the bean
mixture on one half of the wrap and top with cheese.

l Fold the wrap over to make a half moon. Press down with a spatula
and allow to cook for a couple of minutes before carefully flipping over
to cook the other side.

l Repeat with the remaining wraps.

l Cut each wrap in half to make triangles and serve with guacamole,
sriracha and/or yoghurt.

thetomatostall.co.uk

Advertise from just £20 per month* | Call 07875 538 848

Open for lunch & dinner 7 days a week 25
COTTINN.CO.UK

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SPANISH
RICE

Bring the sunshine home with
this Spanish inspired rice –
delicious!

Serves: 4
Preparation time: 20 mins
Cooking time: 20 mins + resting

You’ll need:
2 tbsp olive oil
150g pancetta, or use streaky
bacon or chorizo
1 onion, finely chopped
3 stalks celery, finely diced
1 large carrot, finely diced
4 cloves garlic, crushed
3 large or six small tomatoes,
roughly chopped
1 tsp smoked, sweet paprika
300g paella rice or use risotto
rice
Salt & pepper
600 ml stock
Large handful flat leaf parsley,
chopped
400g tin chickpeas
Lemon wedges

What to do:
l Preheat the oven to 180˚c
l Heat a little olive oil in an oven proof casserole or frying pan and add the pancetta. Fry until golden.
Add the onion, celery, carrot and garlic and cook until softened.
l Add the tomatoes, paprika and rice and seasoning and stir together. Add the stock and parsley and stir
again. If using a frying pan, transfer the mixture to a baking dish.
l Drain and rinse the chickpeas and shake them over the rice mixture. Cover the baking dish with foil or
put the lid on the casserole and bake for 20 minutes. Check carefully to see if the rice is cooked and put the
dish back in for a further ten minutes if not. Different brands of rice have different cooking times.
l Serve with lemon wedges.

www.lovecelery.co.uk

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WATERSIDE BISTRO RECIPES TO TRY AT HOME

SUMMER FRUIT PUDDING

Find more recipes at This is a dessert I look
watersidebistro.com forward to eating every
summer. You can make up
a bigger batch of compote
when you have a glut of
fruit or it can be made just
as well using frozen fruit.
The recipe calls for sliced
white bread - it melts into
something quite di erent
with all the delicious juices
from the fruit.

Ingredients WHAT TO DO
10 individual puddings For the berry compote
Put the water and sugar in a large heavy based sauce pan and bring to a simmer.
For the berry compote Wash and prepare the fruit, topping the strawberries and cutting them in half if they
1.5kg mixed are big.
summer fruit Into the pan first add the currants and allow it to come back to a simmer before
(raspberries, strawberries, adding in the rest of the fruit and immediately turning o the heat and leave to cool
blackcurrants and in the pan.
redcurrants. If you can get For the puddings
some loganberries they Each pudding uses two slices of bread. From half of the slices, using a pastry cutter
are a great addition as they and trying not to include any crust, cut out twenty discs of bread, one the size of the
hold their shape better top of your pudding basins and the other the size of the bottom.
than raspberries.) With the other half of the slices first remove the crusts before cutting in half. You
300g caster sugar should have 10 tops, 10 bottoms and 20 side pieces.
50ml water Soak each of the bottoms in the juice of the fruit compote before squashing it down
into the bottom of the mould. Next soak each of the sides and then squishing these
For the puddings into place as well.
20 slices of medium Using a slotted spoon, to lift it without too much extra juice, (as you have already
white sliced bread soaked the bread) fill the mould to the top with fruit.
10 x ¼ pint pudding Finally soak the tops and lay them on top of the pudding. Lightly cover with cling film
basins or similar moulds and refrigerate overnight, do not press down at this stage. The following morning
press down the lids gently so any excess juice flows out.
28 The puds are now ready to serve or will keep for 5 or 6 days in the fridge. To serve,
turn out onto a plate and spoon over a little of the juice that was left over with a
generous spoon of clotted cream or mascarpone.

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Want To Join Our Exceptional Team?

We are now looking for the kitchen and
front of house sta of all levels.

Send us your CV to [email protected].

01803 864069
watersidebistro.com

The Plains, Totnes, TQ9 5YS

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Use coupon code: TOTNESDM

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Weaxnenciotaurenedcevte.or.y. Herbs & spices

. . . still the same exciting range On tap oils & vinegars
of loose freshly-frozen fruits,
vegetables and ready-meals Cheeses & cured meats

plus Loose leaf teas & locally
roasted coffee beans
a wide range of wholefoods,
personal care and household Hair and body care refills
products all under one roof!
On tap local honey
Find us: Call:The Plains, Totnes TQ9 5DR 07950
(the old Nature’s Way Shop) 269955 Mouthwatering desserts
therefillerytotnes.com & puddings

Frozen fish & locally made
delicious fishcakes

Large selection of frozen
fruit & smoothie mixes

Freezers full of vegetables,
pastries & Devon ice cream

LAWSONS

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Garden furniture & lighting

BBQ's & Accessories

Picnicware & Hampers 31

12 High Street, Totnes, TQ9 5SB Tel: 01803 864619

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Make your garden flutter

Top tips to help attract butterflies to your garden.

 Butterflies love heavily-scented Images: Shutterstock.com
flowers, so plant
Sedum  In late summer and autumn some
spectabile species need to build up their reserves
and Verbena in preparation for winter, so benefit from
bonariensis late-summer bloomers including buddleia,
to attract sedum, ivy, Michaelmas daisy, mint,
them into your scabious and thyme.
garden.
 Creating a wild area within
 Nectar-rich plants your garden can encourage
such as cowslip (Primula veris), butterfly species to breed.
bugle (Ajuga reptans), lavender Simply allow grasses and
and honesty flowers will also wild flowers which are
encourage them in. Many good already there to grow, or
nectar plants are hardy, supplement them with extra
perennial and easy to grow. plants. In the first year of
growing the wild area, cut
 Grow flowers in sunny, sheltered areas, it several times to allow
as butterflies will seek out the warmest the wild flowers a
parts of your garden. chance against other
competitive grasses.
 Create shelter for butterflies by planting
shrubs and small trees such as common For more information visit
honeysuckle around the edges of your www.butterfly-conservation.org
plot, but make sure your flower beds
remain in full sunlight.

 Keep a good variety
of flowers which
are available from
early spring to
autumn in your
garden. Plants such
as Buddleia davidii
'Harlequin' will give
butterflies the fuel they
need to keep them
airborne.

 Early flowers are great for
butterflies just emerging from
hibernation, such as aubrieta,
bluebell, clover, forget-me-not,
pansy, primrose and wallflower.

1

32 Advertise from just £20 per month* | Call 07875 538 848

HANDYMANNM PROPERTY SOLUTIONS
SERVICES

0CA1L8L0NI3CK8ON12492 / 07977 901251

✓ Kitchens
✓ Bathrooms
✓ Fencing
✓ Decking
✓ Wall and floor

tiling a speciality

Garden landscape
specialists in
Devon and Cornwall

Including

• Stone Walling Full
• Retaining Walls Insurance
• Groundworks
• Driveways Competitive
• Patios & Paths Quotes

• Gates

• Drainage & Irrigation

• Fencing & Decking etc.

Gatcombe Mill, Littlehempston, Totnes TQ9 6LW Family Business
01803 864871 [email protected] Since 1976

Company No.3942610

www.afbrown-sons.co.uk

Please mention Totnes Directory when responding to adverts 33

Images: shutterstock.com Best of the bunch... 

Delphinium  Tie in cordon tomatoes as
they continue to grow in the
They are the majestic kings of the warm weather
cottage garden, standing tall in
mid-summer, throwing up their  Sow seeds of fast-maturing
towering spires in every shade of annuals directly into the
blue, but also in white, cream lilac, ground and thin any
pink and purple varieties. They grow best in full sun and thrive in a wide seedlings sown earlier in the
range of soils, although they will rot over the winter if the soil becomes year.
waterlogged. Dig in plenty of compost or well rotted manure before
planting to give them the best start. You will need to support them as  Divide early-flowering
some grow as high as nearly 2m (6ft). Cut them back immediately once perennials such as primulas.
the flowers have faded to encourage another flush of flowers later on in
the season. If you want the classic tall spires, go for a named Elatum  Lift spring bulbs when the
hybrid from a specialist nursery or well-stocked garden centre. Good foliage has died down if you
types include 'Gillian Dallas', which has slate blue semi-double flowers need the space and can't
with a white eye, or 'Fenella', with its dark blue blooms and black eye. leave them in the ground.
Good white varieties include 'Olive Poppleton' and 'Sungleam'. Store them in bulbs in boxes
in a well-ventilated place.
Good enough to eat…
 Continue to plant summer
Edible flowers bedding in containers.

While you're sowing all your  Continue to sow broad,
annuals, don't forget to add some French and runner beans,
calendula (pot marigolds), herbs, lettuces, courgettes,
nasturtium and borage, which radishes, spinach, turnips
you can add to salads and drinks and carrots.
in summer for both flavour and
colour. The lovely orange and  Harvest early potatoes.
yellow nasturtium blooms and
calendula petals can be used in  Clip hedges.
salads, while borage flowers were
traditionally used in Pimm's and lemonade.  Remove suckers from
Seeds can be sown in spring and summer directly into the ground, or in rose bushes as soon as they
modules to plant later where you want them. They look great planted in are seen.
the front of beds and will soften the look of gravel paths, adding a
cottagey feel to your design. Water well during dry spells and  Sow wallflower, forget-me-
deadhead flowers regularly to encourage further flowering. If you stop not and sweet William seeds
doing this at the end of the summer you can collect seeds for next year. outdoors in drills.

Three ways to...  Make sure onions have
plenty of water or the bulbs
Equip your greenhouse will stop fattening.

1. Fit automatic ventilator openers to stop the greenhouse  Damp down the floor and
overheating during the day while you are out. staging of the greenhouse
morning and evening.
2. If you want to use the greenhouse all year round, invest in
thermostatically controlled heating, employing a qualified  Take cuttings from pot
contractor to lay on the supply and have an RCD (residual current plants in the greenhouse
device) built in to cut off the power if there's an accident. such as fuchsias and
pelargoniums.
3. If you sow a lot of seeds consider buying two-tier staging, which
doubles the available growing space.

34 Advertise from just £20 per month* | Call 07875 538 848

Please mention Totnes Directory when responding to adverts 35

TAKING CARE OF THE
TOWN’S COMMUNITY
GARDEN

Leechwell Garden is a beautiful green space in the heart of Totnes where the
waters from the ancient Leechwell flow, where people meet and children can play.

In 2003, a small group of dedicated volunteers protected
this ancient space from building development. Since
then, the Leechwell Garden Association has created,
managed and maintained the Garden. South Hams
District Council own the land, cut the grass and hedges,
and make safety checks, while the LGA make decisions
affecting the running of the Garden, raise funds, improve
wildlife habitats and undertake new projects and
planting. But the LGA needs your help now.

If you like working with like-minded people, or can A swollen-thighed beetle (Photo: Philip Strange).
organise events; whether you want to care for the
environment, enjoy gardening or creating improved What’s in the garden in June?
IT, you are very welcome to join us. Below is a photo of
some of the present LGA members. • Look out for birds in the trees and bumble bees
in the flowers.
Sue Holmes,
Chair of Leechwell Garden Association • Roses, helenium, ox-eye daisies, allium, poppies,
perennial geraniums.

• Additional climbers on the pergola, improved
wildflower bank.

LGA members discussing plans for the Garden Ways you can help us:

www.leechwellgarden.org.uk • Join our volunteer gardeners between 10.00am
[email protected] -12.00pm on Thursdays. Tools are provided.

@leechwellgarden • Make a donation in the box by the main gate or via
Facebook and Instagram.

• Make a contribution for plants from our plant table.

36 Advertise from just £20 per month* | Call 07875 538 848

Church’s Ironmongers

Church’s is at the heart of Ashburton offering a wide range of tools
& ironmongery, kitchen & homewares, garden gear, camping
and picnicking essentials, camping gas & lots more besides.

OPEN: Tuesday – Saturday 9:00am to 3:30pm

4 North Street • Ashburton TQ13 7QD • Tel: 01364 652292

Garden Centre Free Local

Open Daily 9am-5pm Delivery

Sundays 10am-4pm for orders over £20

NEW Café & Soft Play Call or shop online

using code ‘LOCAL’

Grow your Own Veg 37

Visit and shop online longcombecross.co.uk

Find us Longcombe Cross, Totnes Road, Totnes TQ9 6PL Call us 01803 863098 Follow us

Please mention Totnes Directory when responding to adverts

Meet the team… Paul Bradbury
Paul Bradbury

the new Incredible Edible Coordinator

Paul has been a keen gardener for a number of “I’m really excited about taking on Incredible
years, starting out in London as part of a growing Edible and looking forward to introducing
community that produced food for market gardens other people and getting them excited that
and a box scheme. He supported volunteers and they can eat stuff that they have grown
trained apprentices. themselves too. Community gardens like this
also help bring people together and that’s
He moved to Devon with his partner and two boys what it’s all about.”
a couple of years ago to live at Land Matters in
Allaleigh, where they live off grid and grow almost DON’T MISS!
all their own food to eat. Our first green ‘living
wall’ on the Civic Square.
He said: “In London we had an allotment and Look out for the growing
were just not doing the usual London things goodness free to nurture
anymore, yet we were still paying London and harvest.
prices. Once we saw Land Matters and the
surrounding area, including Totnes, we just Incredible Edible Totnes is a community
knew it was the perfect fit.” project that grows fruit, herbs, nuts,
vegetables, and edible flowers in public and
“I had always thought about living off the unused spaces across Totnes for everyone to
land and was going to buy somewhere with share. A team of enthusiastic volunteers have
friends. We were looking for agricultural and planted and maintained these growing sites
development land but then we came to Devon, for over 15 years.
and I found Land Matters to be exactly what
we were looking for. I volunteered for a bit Paul Bradbury is the new coordinator, who is
before we moved in.” part of the core team at Transition Town Totnes
and will oversee the maintenance of the
Previously, Paul had a career in writing music for gardens, as well as organising volunteer days
Television and theatre but even then, he says he where everyone is invited to come along and
was already interested in growing his own and get their hands dirty for a few hours. Find out
occasionally did some gardening for clients. When when events are taking place on the website
it became more difficult to get freelance work in the at transitiontowntotnes.org
music industry, he began doing more gardening.

38 Advertise from just £20 per month* | Call 07875 538 848

Transition Streets
on the move and in the market

Tilly Postlethwaite (left) Transition Streets has seen its first
Guy Erlacher-Downing (right) groups getting together in its new phase.
Residents on Copland Meadow have been
meeting and going through the first phases
of the programme that will help them save
carbon, money and enhance the sense of
community on their street.

At a time when the need for community
connection and reducing living costs is
so present, this project could not be more
relevant. There’s still time to get involved
but be quick as it’s available to households
for a limited time only.

Last month we had a stall at the Friday
market in Totnes and we plan to have
a more regular presence there going
forward. It’s an opportunity for us to meet
anyone who wants to know more about
what Transition Town Totnes is all about,
as well as the projects it supports. Stop
by for coffee and a chat, pick up leaflets
and flyers, ask us questions and leave your
feedback or suggestions for project and
ideas that we can take forward in future.
See you there!

You can get in touch by emailing
[email protected] or keep up
to date with what’s going on via Instagram
and Facebook @Transition_Streets

Please mention Totnes Directory when responding to adverts Transition Town Totnes.
Registered charity: 1138865

Dartington Room, The Mansion,
36A Fore St, Totnes, Devon, TQ9 5HN

01803 867358
www.transitiontowntotnes.org

39

Thoroughly PICKLED!

Imagine instead of rotting your food
waste you pickle it!

That’s the new way of converting your plants and soil healthier and
your leftovers into high-value more resistant to disease.
biologically active soil and plant All of this has a name; we call it
food! Bokashi.
Unlike traditional composting there Bokashi is a Japanese word meaning
are no smells because friendly, safe “fermenting organic matter”. This
bacteria are used, and with no smell technology, developed by Dr.
come no flies! Teuro Higa, binds 27 times more
If that wasn’t convincing enough the greenhouse gases than traditional
micro-organisms that are created compost. By fermenting your food
during the fermentation process, waste, using this Bokashi System,
when added to your garden soil, you are making a lifestyle change
multiply and then dominate harmful that is helping the planet reduce
bacteria, viruses, and fungi leaving emissions and draw down carbon!

40 Totnes_Bokashi.indd All Pages Advertise from just £20 per month* | Call 07875 538 848

Like compost only better

Bokashi How? Wait, there’s more…

Within the home, Bokashi is a Unlike compost, Bokashi
method of layering kitchen scraps fermentation does not need to be
(fruits, vegetables, meat, and dairy mixed regularly which helps to save
food waste) with a Bokashi inoculant time for those with busy lifestyles.
‘Bokashi Bran’, in a special ‘Bokashi It is easy to do at home, will give
Bucket’. This same Bokashi layering you oodles of satisfaction knowing
cycle can be used for agricultural you’re giving back to the earth AND
waste, called Bokashi heaps, you’re not adding to landfill…
converting manure into a high-value win, win, win.
biologically active product.

Discover how to set up your own Bokashi, visit: www.agritondirect.com
you’ll find everything you need to get started all in one place.

Please mention Totnes Directory when responding to adverts 26/04/2022 17:02:05 41

The Meandering
Naturalist

In search of Goosander

by COLIN HAIR

The goosander was first bred in Unfortunately their diet has led them into
the United Kingdom in 1871 and conflict with some anglers.
they now number just under five
thousand pairs and are found in Unusually they nest within holes in riverside
parts of Devon, Wales, North-West trees and lay between seven and thirteen
England and Scotland. eggs which take thirty to thirty two days to
hatch. The duck incubates and rears the
My photograph was taken on the Dartington young for up to ten weeks. The drakes fly to
Trust estate and shows a male goosander, Scandinavia in late summer before gathering
which has a brown head and grey body. in large flocks and molting. Approximately
This is a beautiful and streamlined duck fifteen thousand birds overwinter in the
which dives in clear water in pursuit of fish United Kingdom.
up to twenty centimeters in length. They will
also eat worms, crustacean, amphibians, Their conservation status in the United
caterpillars and even small mammals and Kingdom is of concern and they are
birds. They belong to a group of ducks categorised in the red list for birds. I have also
known as the ‘sawbills’ as they have narrow spotted them while crossing Staverton Bridge
bills with projections or ‘teeth’ for grasping in late summer. Enjoy all our wildlife this late
slippery fish. spring and early summer.

42 Advertise from just £20 per month* | Call 07875 538 848

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WEnovoidrobnuEmnrvenirnoentramslel,nytMaflrlyiuefrnlietdnidlflyuy ••e11l000s%0t%roenvreeewnsabelaewneandberlgeGy •emanraedderegfrynom•CdMrhieadidcmeomfnprroeemsasesddsrawieddustcompressed sawdust

EEBBnnovvnoiirrdoonnnJmmdoieeBwnnnJoettwnaaorlldywlliyyJLn.offbrriineiiomeeernnriyddytdlleLjyydoLi••m,i11Bni00itm00eae%%bdr,byirrBa.eetcagnneobeeebdww.Ruaaa,gkbboellBaRee•doeea,ennaTmdeebrr,oggbTayytioanl••tmm:egnisneaae,sddf,TeeoTRff@QQrroob9o9mmoandddrrdiijee,oddiTccnoooemmrtppynrr.eecsseossee.sudd,kssaaTwwddQuusstt9 5JA
BwwownwdwJw.obi.nobenroydnLjoidmijnioteeidrn,yB.ecaobrb.yuag.kce oR•o.euamdk, Taio•lt:nienemsf,oTa@Qib9lo:[email protected]

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TheTbhaenTdbhsaTenphdbleasaybnpeadldnasydipnesldafprylioanenydfteroidnnfitfanrnoffnreoatnnnotthfeoranafntlalhenrdnaetlalnheutrdhadlrialeaeunldldeciaedeu.naTdcuwieedo.niTecwneco. eT.wTowo
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of tohfemtohfeoomftnhtehoSmnemaoSneCoahnaSnCeSgaheeaanCgshCteaahngasgentesaggesaetnsasdtgaegnmsedsaannmyadnadnomythmaenoraytsnh!’yeortsoh!’tehrse!r’s!’

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Ten Tors Training

An Incredible Achievement

Our Ten Tors Teams completed their long, hard training
programme in April walking more than 130 miles as part
of three overnight camping weekends. In May the teams
smashed their respective 35 and 45 mile challenges. The
students and their trainers, Mr Earl, Mr Matson & governor
Gillian Healey were a credit to themselves and the college.

Be sure to follow all our Ten Tors news, 45
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Twitter feed @KEVICCTT16.
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PENSIONS ARE NOT THE ONLY ANSWER

NICK DREW Independent Financial Adviser

Pensions are the default option for saving towards retirement and investments to run alongside your pension.
can be a very astute way to make the most of your money. However
they may not be the only way you need to prepare for your future Making regular payments into an ISA might be the solution for
financial security. many people. You will not enjoy the same tax efficiency as with
pension savings. Contributions to your ISA will have to be made
Why pensions have their limits from your income that has already had tax deducted.
Pensions are excellent long-term savings vehicles, but there are two
potential problems if they are your only investment. However once that money is inside your ISA it may offer the
Firstly, the maximum you can contribute each year is currently potential to grow faster than investments outside an ISA because
£40,000, or your entire income, whichever is the smaller. Also, you it can do so tax free. When you come to take money out of the ISA,
will usually pay tax if your pension pots exceed the Lifetime under current legislation you will have no tax to pay on any growth
Allowance, the maximum currently £1,073,100. While this seems a and income from an ISA investment is currently also tax free.
high figure, 40 years of contributions and some successful
investment growth can easily reach it. What’s more, with an ISA and unlike a pension, there is no
restriction on when you can access your cash.
You could find yourself in the position of being
unable to contribute as much as you want into What should you do?
your pension, without running into tax penalties.
Whether or not you should be making ISA or other investments
The second problem is that your pension pot will be locked away alongside your pension will depend on your personal
until you reach 55. The proposed rise in state pension age is likely circumstances and your plans. If you are likely to go over the
to mean a similar rise in the date you can access your private annual and lifetime limits on your pension, or if you have plans to
pension. access your wealth before you reach retirement age, you may
want to consider it.
With some think tanks proposing changing the
state pension age to 70 by 2028 and to 75 by Making the decisions that are right for you will be a great deal
2035, your private pension could be locked away easier if you have an expert to help you take a clear look at your
for longer than you might wish. finances.

At Continuum we have the expertise in pensions and investments
you need. Simply call us to get it working for you.

Should you be investing outside your pension?

With their tax advantages, pensions should be the foundation for
most people’s retirement planning. But, if you are in danger of
going over the lifetime allowance or want to be able to access funds
before state retirement age, you might want to consider long term

The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation
to suitable retirement or investment strategy, you should seek independent financial advice before embarking on any course of action. The
value of investments can fall as well as rise and you may get back less than you invested. The Financial Conduct Authority does not regulate
taxation advice. A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the
level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken. The tax treatment
of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation,
which are subject to change in the future. Accessing pension benefits early may impact on levels of retirement income and your entitlement
to certain means tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your
options at retirement.

MORTGAGES LIFE INSURANCE SAVINGS INVESTMENTS PENSIONS ESTATE PLANNING

FOR A FREE INITIAL CONSULTATION CONTACT

NICK DREW Independent Financial Adviser:

T: 0797 4072 605 E: [email protected]
2 Bridge Farm Offices, Harberton, Totnes, TQ9 7PP
www.mycontinuum.co.uk

Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: [email protected] www.mycontinuum.co.uk
Continuum (Financial) Services LLP is a Limited Liability Partnership. Company registration number OC393363. Registered in England & Wales.
Registered address: As above. Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is
authorised and regulated by the Financial Conduct Authority

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[email protected]

We provide the full range of accountancy and business services.

If you’re looking for a fresh eye and clear practical advice,
find out how we can help.

Call us today for a free Accounts & Auditing
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Money Matters
Money Matters

Got A CASh ISA?
You Should
ProBABlY dItCh It!
By Martin Lewis @martinlewis

Press the rewind button and go Everything changed though in 2016, when the
way back – before Covid, before Personal Savings Allowance (PSA) launched.
Brexit – to April 2015, then picture It means:
a devastatingly handsome man at • Basic 20% rate taxpayers can earn up to £1,000
home, on the sofa, talking about interest a year from any and all savings without
money with his wife. Well, he has paying any tax on it; after that their interest is
nowt to do with this, but possibly on taxed at 20%.
the telly in the corner, I was on-air at • Higher 40% rate taxpayers can earn up to £500
the time urging savers as usual to use a year; after that their interest is taxed at 40%.
their new tax-free cash ISA allowance • Top 45% taxpayers don’t get a PSA – all their
– because ‘money was nicer in an ISA’. interest is taxed at 45%.

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This is a huge amount of tax-free interest for However, there are a few niche reasons
most. Even at today’s stand-out top easy-access you may want to keep a cash ISA...
1.5% rate from app-only bank www.chase. - If you’re close to paying tax on savings. If
co.uk, you’d need nearly seventy grand saved to you’ve a good whack of savings and are close to
generate £1,000 interest. Which is why the vast the limit where you’ll pay tax, as interest rates
majority of people – over 19 in 20 – don’t pay tax are likely to rise, keeping money in cash ISAs
on savings interest anymore. now can protect you from future tax.
- You can withdraw from fixed cash ISAs (unlike
All a cash ISA is, is a savings account normal fixes). There are big interest penalties for
you don’t pay tax on. doing so but, if you could get a good cash ISA fix
rate and wanted access in an emergency, they
These days, the cash ISA’s main boon is that are more flexible.
interest from it doesn’t count towards the PSA: While cash ISAs aren’t much cop for
it’s still tax-free on top of that. That means for most, other ISAs can be.
the few with savings (or earnings) big enough If you’re a first-time buyer aged 18-39, check
to break that limit, it’s a winner, as they can out the Lifetime ISA. You can save up to £4,000
protect more interest from tax. a year in it, and once it has been open a year,
You get a £20,000 ISA allowance each tax year, and, when used towards a qualifying first home (one
crucially, money you put into an ISA stays tax-free costing up to £450,000) you get an unbeatable
year after year. 25% boost on top. That means there’s up to
Yet for MOST, there’s no benefit of saving in a £1,000 a year of free cash. There are cons as
cash ISA – so you simply should focus on getting well as pros though, so it’s worth reading my full
the highest interest rate. Over the last few years, guide at www.moneysavingexpert.com/LISAs.
cash ISAs have tended to have WORSE rates than And if you’re looking to invest, a stocks and
normal savings across all categories. At the time of shares ISA does have actual tax benefits for
writing… many, unlike cash ISAs.
- Top easy access: Cash ISA 1.05% v Normal Claiming universal credit or working tax
Savings 1.5% credits – get a 50% boost.
- Top 1-year fix: Cash ISA 1.4% v Normal Savings While not an ISA, just a quick final mention for
1.96% the Help to Save scheme. This is designed to let
- Top 2-year fix: Cash ISA 1.75% v Normal those on low incomes save up to £50 a month,
Savings 2.21% with a stonking 50% bonus paid after two years.
Yet rates change daily so for my latest updated best Crucially, the bonus is based on the highest
buys see http://www.moneysavingexpert.com/ amount you had in the account over that time –
topsavings and so imagine you put in £50 a month for ten
http://www.moneysavingexpert.com/cashisa. months, had £500 in there, but needed to
withdraw it, then couldn’t afford to put any
So most should DITCH cash ISAs for accounts more in. That’s all fine and you’d still get a £250
that pay more. bonus at the end (50% of the max £500 you had
When I polled this on Twitter recently (@ in). For full eligibility criteria and to open the
MartinSLewis), I found 85% of the 9,000 who said account go to www.gov.uk/
they had cash ISAs don’t pay tax on savings. get-help-savings-low-income
So why keep them? I know for years many had it
drilled into them (often by me) that cash ISAs were Martin Lewis is the Founder and Chair of
nicer – but now people need deprogramming and MoneySavingExpert.com. To join the 7.5 million
pushed to just focus on the highest interest rates people who get his free Money Tips weekly email,
which come from top normal savings. Be brave, go to www.moneysavingexpert.com/latesttip
ditch the cash ISA and earn more.

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Jason Mountjoy’s - Independent financial guidance

Gratitude to Your Former Self

Being a successful investor is simple in theory. Spend less that this time is different. Given how distressed you are,
than you earn, invest the difference for three decades, and how could it not be?
draw down only the amount you require in retirement. The
necessary information, resources, and tools have never Your future self, on the other hand, needs your present self
been more readily available. We’re virtually suffocating in to have the clarity of mind to recognise that, while each
data. crisis has a different name, they are all essentially the
same.
However, becoming a successful lifelong investor has
never been more difficult in practise. With so many While we can’t prove anything about the future (since
investing possibilities, breaking news provided via phone there are no facts about the future), we may marvel at how
notifications, and direct access to conflicting “expert” resilient humanity and markets have been through all types
viewpoints, getting from your first paycheck to your blissful of crises in the past. What makes each crisis similar? They
financial independence day is no easy chore. are, however, unlikely to be relevant in three decades. In
reality, most of them will be forgotten in three years.
A few easy acts can lessen the amount of noise you are
exposed to, putting you in a better position. The most You’ve Been Here Before
major hurdle you’ll encounter as an investor, though, is one You don’t have to accept the above on a theoretical level.
you can’t avoid: the mental pain of living through a never- As an investor, you have a unique background and have
ending succession of global and financial crises. undoubtedly faced numerous emotional issues in the past.

Is This Time Any Different? Consider your prior self’s positive behaviour through
Over seventy years ago, Benjamin Graham (the originator of difficult times if investing is more behavioural than cerebral.
“value investing” and Warren Buffett’s mentor) recognised Investing is a series of intermittent behavioural difficulties
the root of the problem. rather than a single continuous cognitive challenge.

“The investor’s biggest difficulty, and possibly his A successful investor’s career has been compared to that
worst enemy, is most certainly himself.” of a pilot, with lengthy stretches of complete monotony
interspersed by a few moments of sheer dread.
While we’ve mostly solved the mathematical aspect of the
investing puzzle, no one has yet cracked the emotional Take courage from your prior self’s acts when the next test
component. No one, we believe, will. arrives (its name is as mysterious to you as it is to me).
There will be more in the future. Maintain your composure.
Many of the changes we view to be positive appear to have This time is no exception.
intensified the behavioural difficulty of acting rationally
in the face of uncertainty. The ease with which we may We consider our function as a guard between you and the
obtain information and the near-zero transaction prices are few decisions that could derail your financial future since
advantages with drawbacks. we understand the heart of the investing problem. These
are referred to as “huge mistakes.”
We know that patience and discipline are necessary for
financial success in theory, but knowledge is not the same Please know that we are always here for you and that the
as experience. Being disciplined in the midst of a global emotional difficulties indicated above are something that
crisis (of which there have been many recently) is easier we all face.
said than done. However, this has always been and will
continue to be the defining attribute of successful investors.

Despite the fact that each crisis has its own name (Covid 19,
Ukraine, Cost of Living Crisis) and distinct characteristics,
they all develop to the point where you must ask the golden
question: Your human side is screaming at you right now

Jason Mountjoy DipFA / Independent Financial Adviser (Diploma) & Life Planner
Based at Waterside House, The Plains Totnes TQ9 5DW / [email protected]

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