Tag Archives: living on a budget

Showing love on a budget ❤️ 

A friend told me proudly how her lovely son had taken her to London on Mother’s Day, with tea in a posh hotel, followed by some sightseeing and a meal in the evening. He is clearly a kind and generous son who loves his Mum, but it must have cost a fortune!

As I said in yesterday’s post, I had the loveliest Mother’s Day but I am sure it cost a fraction of the price of my friend’s day. It got me thinking. It is easy to have fun and show somebody that you love them without breaking the budget.  With a bit of planning and creativity you can help friends and family celebrate any event without them thinking you are a cheapskate!

Bake a cake: give a home made cake, cookies or sweets. This works for birthdays, anniversaries,  Christmas, house warmings – even weddings if you are an ace baker and offer to make the wedding cake as your present, as my friend did for me. 

Make your own gift: if you knit, sew, paint, make soap or candles or even if you grow stuff, many people appreciate a thoughtful home spun present. How about a hamper of home grown produce, a couple of pots of delicious home made jam or some potted plants grown from seeds or cuttings?

Keep a present box: It is also useful to buy gifts on offer and keep a present box so you always have a present to give. The January sales are great for this when retailers are keen to shift excess stock after Christmas.

If you are seriously skint, offer a service: gardening, babysitting, grass cutting, car cleaning. Design a voucher and put it in a card,then make sure you keep your promise! This works well if your child wants to offer a present for a relative.

Host a meal: have your loved one round for a special meal. Get out the best tablecloth and china, put flowers or candles on the table and don’t let them wash up!

Take a tour: have a look in the tourist information centre for the free attractions locally and take your loved one on a guided tour . Pack a flask and a posh picnic for a midday break: salmon and cucumber sandwiches, scones and cream, hummus and crudités, etc, and perhaps even a bottle of fizz.

Have a date night: if the celebration is for your other half, cook a meal and add a massage and/or a film.

Spend your points: I love collecting Boots Advantage Card points to spend on gifts, but you can do the same with your Sainsbury’s Nectar Card or Tesco Club Card.

There are so many ways to show you care that don’t involve spending much money and won’t break the bank. For me, the thought really does count!

What’s your best money saving idea?

I belong to a few Facebook groups whose focus is frugality and the question that comes up time and again when people join is ‘How can I save money? Where do I start?’ It seems many people are still struggling to get from pay day to pay day and looking for money saving advice and inspiration.

My first piece of advice is to have a long, hard look at your outgoings. Go through your bank statements and see what you can cut. Have you an insurance policy on an item you no longer own? Are you paying too much for your utilities? Shop around. Can you save money on your mobile phone or your tv and internet package? You need to check if there is a penalty for early cancellation but sometimes it is worth paying, or you could stay with the same provider but downgrade your package. Do you have a gym membership you barely use?

Make a budget and stick to it. I use Budget Brain from Money Saving Expert. Check your bank balance regularly so you know how much is in the account and when you need to rein in your spending.  

It is interesting to see how much cash can drip out of your account in the form of small purchases on lunch, coffees, newspapers, etc. £10 withdrawals here and there can soon add up to hundreds of pounds. You can save a lot of money by anticipating these small expenses in advance and organising yourself. For example, take your own coffee, teabags and milk to work rather than buying it. Take your own packed lunch. 

Avoid temptation. If you know you are prone to impulse purchases, window shopping is not the pastime for you!

Food shopping is often a great place to save money. You can save loads if you stop buying branded goods and use cheaper supermarket own brands, buy your fruit and veg at a local market, minimise convenience foods, plan your menus, make a shopping list before you hit the supermarket, eat less meat…I could go on. There are so many money saving ideas.

Look at your heating and hot water costs. There are plenty of ways to insulate your home cheaply, you could turn the thermostat down a notch, get the family to wear more layers of clothing, etc. More ideas here.

What about transport? Could you car share? Leave the car at home and walk or cycle?

Do you have a garden? If so, how about growing some of your own food. Digging is as good as a gym session 😀.

What are your top money saving tips for the newbie?

Eating out? It’s tempting, but…

It’s so tempting to spend loads going out to pubs and restaurants when there is a celebration or you just feel like a treat. My friends seem to do it all the time. A lunch out or cake and tea when they are shopping, maybe a meal followed by the pub five or six times a month. We hardly ever do this. The budget won’t allow it and I prefer to eat at home with friends and family anyway. I would rather do this than risk spending half my food budget on a single meal that might be less than satisfying. The pix are from a very nice meal out we had on holiday, so we do have the odd treat!

I also had two meals out over Christmas. One was absolutely fantastic, at a small family run Italian restaurant,  and one was mediocre meal at a well known pub chain. Because I so rarely treat myself to a dinner out I really resent paying for something I could do better -and vastly cheaper – at home. I emailed a letter of complaint to the latter a month ago but have so far heard nothing. Just remembered about this so will follow it up!

I do enjoy hosting the odd dinner party. It is quite possible to do this without breaking the bank – some home made soup, coq au vin and rice maybe, some fruit, cream and meringue. My low spend January won’t allow that this month but maybe next month.

If I had lots of money I would be happy to eat out more often I am sure. I don’t mind supporting someone else’s employment, especially if I don’t have to do the washing up!

What about you? Fancy dinner out?