General Chat, Products & Comps <
29/12/2012 at 18:02
so the realisation has hit that h and i fritter away our money! its absolutely appauling but on average its about £600 a month
so it stops now!!! we are now going to really save as we really want to rennovate the house
so im meal planning and we are now going to go to aldi for all shopping which is quite cheap.
i use childcare vouchers too which helps
i get nhs discount on both our mobile accounts
we recently changed our sky package, we cancelled the sport and movies and had the basic package but they gave us 6 months of sport free which will take us up to the season ending then we will cancel anyway so we arent charged.
my h has a season ticket which we can afford and he will not give up so that is a big outgoing arou nd march time but other than that we dont have hobbies as such iyswim.
im now stopping meals out etc
any other tips????
29/12/2012 at 18:10
Energy/insurance suppliers? Car insurances? Other than that seperate savings accounts? Ie for your renovations? I feel for us money is frittered easier when it is available so having it in an account for a certain thing I be less likely to withdraw anything.
Switching gas and elec provider, broadband, home phone etc
eBay anything and everything, we made over £1000 before Christmas selling stuff we had lying around
29/12/2012 at 18:11
For me to save i have to leave my purse at home. I can easily spend 50quid in my lunch break plus if i bring my lunch to work i save about 40quid a week on lunches.
I guess walking instead of driving where possible would save on fuel costs. I often walk into town for exercise.
29/12/2012 at 18:18
Ill be watching this thread with huge interest, we need to save 10k by may/June!! Admittedly we don't have rent etc to pay. But still we will be cutting out meals out, unnecessary clothes spends, H will take packed lunch/dinner, we will be ebaying everything in sight too!
29/12/2012 at 18:24
Another one for ebaying stuff. We started thinking we might get £100 max from the junk lying around, but at last count it was about £600+ and its only been a couple of months.
29/12/2012 at 18:34
For us after all the things others have mentioned its cutting back on meals out, take aways, alcohol. We both take lunch to work. I tend to buy all the kids clothes when on sale, even looking for presents in the sales. Presents for kids parties add up during the year so I buy lots in the sales now.
29/12/2012 at 18:39
I never seem to sell much on ebay. Does my nut jn.
29/12/2012 at 18:42
Use cashback websites for any purchases
Literally draw the cash out for treats that you will allow yourself and transfer the rest straight to another account - only spend the cash you have. We are going to start doing this as we too fritter money away.
29/12/2012 at 18:54
yes i now use cashback sites which is good.
ebay is a bit hit and miss here but i really really need to get into it i think as itl help us declutter too
iv told h we will both need to take lunches to work
was thinking of a kind of weekly allowance type thing meaning i wont need the bank card. i always think that if im handing over a bank card its not actual money iyswim (hence the reason i fritter so much money away )
iv just go tthe kids a huge haul of clothes from the next sale and im reusing all of lucas's on isaac so hoping really not to spend much that way.
i need to take a leaf out of sils book, her weekly shop NEVER goes over £38, they meal plan everything and get 1 pack of custard creams a week and when they are gone they are gone (hence why bil and sil are both slim and have bloody money and H and I sit and gorge cheeseboards and are fat )
29/12/2012 at 19:00
I'd rather have a cheese board than a poxy custard cream though. Sorry, not helping.
29/12/2012 at 19:23
Think everyone suggested all the things I would say. Bringing in lunches def makes a difference for us. Wow what does your sil buy for £38???
29/12/2012 at 19:48
I'd love to see what she gets for £38!!
29/12/2012 at 19:51
£38 a week?! Bloody hell.
eBay really is great, you just need to sell the right stuff. For example CDs and DVDs are a waste of time but half used perfumes, Chanel lipsticks, old phones, branded clothes ... All go really well
29/12/2012 at 20:22
well BIL will only eat chicken or sausage, he doesnt eat veg. they buy frozen veg, every thing is smart price. so for example if they were having pasta, then its pasta, an onion, and a jar of smart price sauce, wehre as i do pasta, onlion, garlic, herbs, maybe some chorizzo/other meat, if not meat then peppers/cougette and il make my own sauce.
so a typical weeks meals would be things like beans on toast, sausage casserole, chicken casserole, sausage roll chips and beans, etc etc. whereas L, I and H (and me btw) just would never ever have that for tea
29/12/2012 at 20:27
Mmm not my idea of dinner but buying smart price bits has definitely saved us money. I've also found that doing the shopping online helps as I can see all the offers on each product a lot easier than in store. Also with the running total there it shocks me sometimes so end up taking bits out of my basket which I would do at the till.
29/12/2012 at 20:28
Wouldn't at the till!!!
29/12/2012 at 20:32
Got to say while that sounds cheap it also doesn't sound very healthy at all!
I'm all for meal planning but not to the detriment of nutrition. Save in other ways and buy smartly but don't make 'sausage roll chips and beans' part of your weekly diet!
29/12/2012 at 20:40
I agree with Hepburn. Whilst I'm all for cutting my food bill, I wouldn't compromise on decent nutrition.
Ways in which we've saved money is through batch cooking and making decent use of leftovers, so a roast chicken will last for about 3 meals (roast, use meat in another meal, boil carcass for soup stock).
29/12/2012 at 20:49
Lots of good advice here. I found lots of helpful ideas on moneysaving expert, brilliant website for money saving tips.
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