Tag Archives: thrifty

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?

A cheap packed lunch 

I can’t believe I am still using up various cheeses from Christmas. It is quite nice to have a bit of Brie in my sandwich at work as I wouldn’t usually buy it except as a treat. 

Every day I take a pot of home made soup, half a bake-at-home baguette filled with whatever needs using or sometimes just butter, and some fruit. The baguettes are really cheap from Aldi – they cost 45p for two and I only have half. So my lunch costs about 11p for the bread,the soup is made with mostly home grown veg so is probably only around 10p a cup and a couple of pieces of fruit – 50p? With a bit of cheese let’s say approximately 70-80p for a very nice satisfying packed lunch. Not bad I think for my low spend January! 

I have some chocolate rice cakes if I need an afternoon snack. Theses are sooooo nice! They cost 95p for four, so my treat is a little cheaper Han anything from the vending machine at 80p an item. Lower in calories too at only 93 per bar.

I could spend £3 on a sandwich from the shop, 60p for a bag of crisps, £2 for a coffee and get an 80p chocolate bar – £5-6 a day? Over £1000 a year? Nah, don’t think so …

Can’t afford a gym membership?

Me neither! I have joined gyms in the past but since I have been working full time I find it hard to find the time to make the best of my membership. 

Along with many people, the start of a new year has made me pledge to get fitter in 2017. I know from experience that I need to find forms of exercise that I can easily fit round the general busyness of life or I won’t keep it up consistently. It also needs to be free! I am on a no spend January and aiming for a low spend life generally to increase my savings.

I am a trained yoga teacher so no excuses not to practice yoga regularly (except for general laziness,  of course!). I love a good walk, as does Mr S, so we just need to get ourselves organised to get out for a nice long one every weekend. That’s the plan. Yoga most days, a good walk every weekend and a few little walks during my lunch break too. Ilona over at Life After Money is running her 1000 mile challenge again. I am not sure I can quite manage that far but I am keeping a tally to see how I get on. Four and a half miles and three yoga sessions so far this year! If you want to join Ilona see here.

An autumn walk


I was listening to the Simon Mayo Show on the radio on the way home from work which featured a fitness expert. She gave tips on using any small amounts of time you have to exercise, such as pulling your tummy in for a count of ten whilst waiting at the traffic lights or clenching your buttocks. I often do my pelvic floor exercises whilst stuck in traffic so will add these to the list! I also always take the stairs rather than the lift at work. 

What do you do to keep fit that is either free or costs very little?

Making do and mending: the kitchen gets a make over at last!!

  I am exhausted! We have spent the past three days painting and repairing our kitchen. In an ideal world we would replace it, and we are saving towards that. However, until we have the funds we will make do and mend. It all looks much fresher and cleaner. 
  I have been buying a few nick knacks over the past six months to create a colour scheme of green and pink and it is starting to come together. I bought a few more inexpensive bits on eBay this morning and I can’t wait to get them in place.

I couldn’t afford a blind for my huge window but I don’t really need one. I got some pretty bunting instead!
  
We had to wait until we were between language students to do it but now I hope we get offered another soon to go towards my savings.
  I am currently listening to the marvellous blogger Ilona from Life After Money on the Jeremy Vine show, hosted today by Vanessa Feltz. She is an inspiration, thrift personified. She shows that you can have a good and happy life on very little money by being resourceful and creative with the funds she has. What more could any of us need?