Test your frugal habits with the thrift test

Frugal habits

Do you consider yourself savvy with your money or could you develop better frugal habits? Take the thrift test below to raise your awareness of which areas of your finances you need to improve.

  1. Do you know how much is in your bank balance right now?

    a) not a clue but I am probably overdrawn.

    b) yes, because I check every few days and budget accordingly.

    c) I have a rough idea as I take a look at my balance every now and again to see what I have left.2)

  2. Work lunches for you mean:

a) buying something on the hoof. I pop into a coffee shop or fast food outlet most days.b) a packed lunch. I always make one the evening before to save money.

c) sometimes I take a packed lunch but I don’t always have time.

3) What is your attitude to shopping for leisure:

a) I love it! Buying new things makes me feel good and I go into town or to the mall to shop most weekends.

b) I never shop for fun. I make my purchases when I am sure I need something and can afford it, and even then I shop around.

c) I know I can’t afford to go on regular sprees but like to look around the shops and make the odd impulse buy.

4) If you can’t afford something straight away do you:

a) buy it and stick it on your credit card. You can worry about how to pay it later.

b) do a lot of research online to find out the cheapest price for the item. Then either use your savings or save up. You will often try to buy second hand where possible.

c) If I really need it I buy it straight away, but have a quick look at some product reviews and prices first. I use a credit card but make sure I can pay at least the minimum repayment charges.

5) How often do you use cash back sites when you make your online purchases?

a) Never. I don’t know anything about them.

b) I always check to see if I can use sites like Top Cashback or Quidco before I make any purchase and get several hundred pounds back each year this way.

c) I have signed up but I often forget to use them.

* These are my referral links and if you sign up using them I will earn a small commission – thanks!

6) If you have to travel somewhere by train, do you:

a) buy the ticket as you get to the station.

b) purchase your ticket online several weeks in advance as you know you can save money. You consider different routes and buying two singles if that works out cheaper.

c) you know that you should buy your tickets in advance but often don’t remember until a few days before.

7) How do you keep your heating bills as low as possible?

a) I don’t really – as soon as I feel chilly the heating goes on.

b) I put on several layers and draw the curtains before I give in to turning it on and keep the thermostat as low as possible.

c) I try not to put it on too quickly but my partner or children often flick it on when my back is turned.

8) When was the last time you shopped around for a better mortgage deal, bank account or utility provider?

a) I don’t bother. They are all pretty much the same.

b) I check everything from my mortgage to my house insurance at least once a year.

c) I do it every now and again if I have time.

9) Your car is getting old and cranky. Do you:

a) Get another one on finance as soon as possible. I don’t really understand what they said about the interest rate but the car is shiny and red!

b) Look after the old girl whilst you save for another decent second hand model.

c) Get a loan from the bank to buy another car as soon as you can.

10) When you go grocery shopping, do you:

a) go in on the way home from work and buy what you fancy for the week.

b) Check what you already have in the stores, plan the meals for the week and then shop with a list.

c) I have a rough idea of what we need and usually take a list, but I don’t always stick to it and I am drawn to special offers.

The results to reveal your frugal habits

Mostly As

You don’t have to be a genius to work out that most As means your attitude to finance is so relaxed it is bordering on reckless. You rarely get a bargain and you don’t keep track of your spending. The chances are you have an overdraft and debts as a result. If you need to, you can get help and advice from the CAB, the Money Advice Service or Step Change.

Mostly Bs

You are a paragon of thrifty virtue, with fantastic frugal habits. You get the best value on everything you purchase, know how much money you have to spare to the penny and are likely to have a healthy savings account to prove it. We can all learn from you!

Mostly Cs

Let’s admit it, this is where most of us are. We love to get a bargain but don’t always do everything we could to save ourselves a buck. We can learn from the experts so that we can make the best of our money.

This is a light-hearted quiz with a serious message. Money really does make the world go around so understanding money

 

What do you know about the CAB? The best advice for free

Most people have heard of the Citizens Advice Bureau or CAB. Some of you may even have gone to them for help. Today I attended a session with a lady from the local CAB where she explained in depth what they do. I thought I knew what this was, but their work is much more wide ranging than I realised. All of their services are provided for free. The CAB really is an amazing and valuable organisation.

Identifying the issues of the day

CABAs well as giving advice to members of the public, the CAB identifies the big issues, researches them and campaigns where there are problems. They can see patterns emerging from their dealings with clients. This puts them in an ideal and possibly unique position to understand the struggles people face. For example, they are currently campaigning to halt the roll out of Universal Credit. They have seen first hand the difficulties these changes are causing to already disadvantaged people. They also successfully put pressure on the government to place a cap on the rate of interest charged by pay day loan companies.

A shocking 72% of the CAB’s clientele live in poverty. They may be on low incomes, be unemployed, disabled or living with a long term health condition.

The biggest subject areas the CAB deals with are, in order:

Benefits and tax credits

Debt

Housing

Employment

Financial services

Relationships

As the lady explained today, these all impact on each other and people seeking advice often present with 3 or 4 different related problems. For example, they lose their job, they have no money and get into debt, then their relationships suffer.

The power of the volunteer

The CAB staff, who are mostly volunteers, do such a great job of helping people that 90% of their clients state they are satisfied; two out of three say their problems are resolved and 4 out of 5 say their lives have been improved by the experience.

The organisation struggles to keep up with the high demand for services. They always need more funding and constantly strive to recruit new volunteers. They have around 21,500 voluntary staff – that’s 77% of the total.

Those who volunteer with the CAB get benefits too. It can help people back into paid employment, give them experience in particular areas (for example, a lot of law students help at the CAB) and allow retired people a chance to use their skills and experience and continue with a challenge when their previous working life is over.

The CAB doesn’t just see people face to face. They have an excellent website for simple advice, as well as web chat and email services.

Helping with debt and money advice

The website has an excellent budgeting tool, as well as an eligibility calculator to help you work out which benefits you might be entitled to (this is down today but you can use this one if it isn’t working). You can take the first steps to working out what help you need and might not need to see an advisor at all. However, if you do require more specialist help you can make an appointment for a face to face meeting.

According to the CAB, one in 11 people in the UK have problem debt. Of these one in four have mental health issues. There is a connection.

Whatever your personal issues, the CAB can help you to find a way to manage your debt, and find a way out of the mire. For example, they can advise how to prioritise which debts to pay first, how to deal with your creditors and how to set up a debt management plan.

They can look at your income and ensure you are claiming all of the benefits you are entitled to, helping you to claim and deal with any issues that arise along the way. If you are facing eviction or rent arrears they can help you keep a roof over your head. They can also give employment advice if you are having problems at work or job seeking.

We are so lucky to have such a service.  All given free of charge by people who don’t have to but want to help anyway.  I am very pleased to know they are there, although I hope I never need their services. I think I am already planning my perfect retirement job!

Have you had any experience with the CAB?

 

Your frugal habits – take the thrift test to see if you can save money

Do you need to save money? Are you sometimes out of control and unsure where your pennies keep disappearing? Whether you are saving for something in particular, trying to pay off your mortgage, achieve financial independence or need to get by on a reduced income, this test of your thriftiness could shed light on your spending habits and the frugal habits you need to develop.

1.  When you buy groceries do you:

a. Do it on the hoof and think about what you need as you browse the supermarket shelves.

b. Always plan your meals and write a shopping list before you go.

c. Have a rough shopping list but tend to impulse buy.

2.  For lunch at work and for days out, do you:

a. Worry about it when you get there. You can always get something from the shop or a fast food outlet.

b. Take a packed lunch.

c. Try to take lunch with you but don’t always have time.

3. How is your bank balance? Do you:

a. Have little idea how much money you have and always run out before pay day.

b. Always know how much is in your account and budget so that you last the month and put money into savings.

c. Generally know roughly the amount of money you have, but sometimes go overdrawn because you don’t plan for unexpected expenses.

4. When you go into town do you:

a. Shop for fun – you love spending money and it is your favourite hobby.

b. You rarely go to town unless you really need something, and usually check out the charity shops.

c.  You don’t always spend money but are sometimes tempted to buy items on impulse.

6. Your home is:

a) Very warm – you have the heating on as soon as autumn arrives.

b) On the cool side – you will put on a jumper or two before you give in and turn on the heating.

c) You try to save money and keep the heating off but the kids keep turning it on.

7. When was the last time you thought about changing your bank, getting a new mortgage deal or shopping around for your utilities?

a) Why would I?

b) I look to see if I can get a better deal at least once a year.

c) I do it every now and again, but could probably shop around a bit more.

8. Your washing machine is getting old and unreliable. Do you?

a) Go to the nearest electrical superstore and ask the salesman for advice, then purchase the same day on credit.

b) Do some research on which models are the best value, then shop around to see where you can get the best deal. You save up if you can’t afford one straight away and consider second hand.

c) Have a look at a few online reviews and try to find a good deal. Hopefully you might have enough in your savings.

9. Have you ever used a cash back site?

a) How do they work?

b) I never buy anything online without checking Top Cashback or Quidco*.

c) I do sometimes but often forget.

(*These are my referral links and I will earn a small commission on any purchases you make using them. Thanks)

10. You need to travel somewhere on the train. Do you:

a) Buy your ticket on the day at the station.

b) Check several weeks in advance and research the cheapest routes to get you to your destination.

c) Try to buy a return ticket a week or so ahead if you remember.

11. How often do you buy designer labels?

a) Often. You can’t resist a brand name.

b) If you see any at the boot sale, you snap them up and resell on eBay.

c) Occasionally, for a special occasion.

Results

I reckon you have worked out that mostly A answers mean you have failed the thrift test! You are likely to have a permanent overdraft and a lot of credit card debt.  Perhaps you lie awake at night worrying about the state of your finances. You need to develop some good frugal habits and learn to say no to yourself and others.

Mostly C answers: This is likely to be where most of us are. We are generally aware and in control of our money but have the odd lapse that could cause trouble.

Mostly Bs? Your frugal habits mean you are a paragon of virtue and on your way to being debt free and financially independent, if you’re not there already.

The thrift test is just a bit of fun. Few of us are totally out of control ALL the time or with the self discipline to never lapse. But we can all develop frugal habits to help us stay in control of our spending and save money for whatever we want.

What are your best frugal habits?

Five Frugal Things 26th August 

I have had the busiest of weeks. Very productive, though – I have done loads! Sometimes life is like that. I am sure I have managed five frugal things and more. Here are my top frugal achievements.

1. Website of the week

Website of the weekI suppose you could argue that this wasn’t really an example of frugality, but it did showcase our thrifty lifestyle. I was in the Sun newspaper! Shoestring Cottage was Mrs Crunch’s website of the week. I was really chuffed about this. I never thought I would be featured in a national newspaper.

I was also recently featured on a lovely blog, a Beautiful Space. You can check that out here.

2. Hosted a frugal party

five frugal thingsWe had a gathering of the clans yesterday – a lovely sunny party in the garden. It was a lot of work as there were 20 of us. How do you host such a party without breaking the bank? Fortunately my family made some contributions of cakes, a sausage plait and a home made coleslaw, plus everyone brought drinks.

I went to Aldi for almost all my ingredients and used a lot of garden produce as well. A huge moussaka, courgette and tomato bake, quiches and various salads all went down well with the hungry hoards. I bought beer and prosecco from Aldi too, as the prices are so good in there.

It was a fabulous day and so nice to catch up with everybody.

3. A bit of DIY

I have been meaning to spruce up the lodger’s room before the new one arrives. The garden has taken up so much of my spare time I hadn’t had a chance. So I took the day off work on Wednesday and painted all the woodwork. I still have to emulsion the walls some time but it already looks so much brighter. A can of one coat gloss cost just £15 in Homebase and there is still loads left. You don’t have to spend much to smarten up a room.

4. Another Aldi bargain

Darling daughter and I are both lactose intolerant and usually drink Lactofree milk. This costs anywhere between £1.35 and £1.55 a litre, although I sometimes find it on offer for £1 and stock up.

I was really happy to hear that Aldi now sell a version. It is only £1.15, which is a great price. I know where I will be buying this from now on. I won’t have to go hunting for the nearest place where I don’t have to take out a mortgage to buy the stuff!

Food intolerances can be expensive. At least we don’t have to eat gluten free as on of my guests did yesterday.

5. Using up the veg

five frugal thingsWe had so much veg in the house I made a cheap and extremely easy vegetable bake. I sautéed  some courgettes and celery, then added cooked potatoes, sweet corn and carrots. Finally,  I smothered it all in a cheese sauce and topped it with tomatoes and more grated cheese. Then I baked it for about half an hour and it was delicious with some crusty bread and home grown runner beans.

I love this kind of easy, thrifty dinner, which often makes it onto my five frugal things list.  I made enough for two meals. We had it the following evening with some bakes chicken.

I also froze the excess runner beans, which are now arriving at an alarming pace! It is great to think we will still be eating our own produce as we move towards winter.

All in all, a satisfying week and it was easy to achieve my five frugal things. What have your frugal achievements been this week? Let me know in the comments.

I’m linking up with Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. You can hop on over to their blogs to get some more frugal inspiration.

Student budgeting for university: a new student’s guide

Imagine….you are 18, you have never had to worry too much about money and suddenly you get £1000s arrive in your bank account. You are rich! No, you’re not. It is your student loan and you need to pay your rent first then make it last the whole of the academic year. You know nothing about student budgeting and it is all very scary!

Next month darling daughter number 3 will be going off to university. I really hope I have taught her enough to help her get through her new life without getting into debt (well, any more debt than has already been agreed with Student Finance England!) So, here are my top student budgeting tips:

Student budgeting tools

Firstly, you need to know how much money you have and how long you need to make it last. You need to understand what your outgoings will be and make sure you keep enough by for these. There are plenty of downloadable spread sheets and calculators on the Internet to help with this. They will tell you whether you really can afford another night out or need to tighten your belt. UCAS has a handy one to get you started here.

This will only take you ten minutes and it will be a worthwhile investment of your time.

Avoid impulse buying

Before spending your precious student loan, ask yourself: do I really need this? Or do I just want it? Can I afford it? There are a lot of spending habits you can sink into as a student that will eat into your funds. Sometimes it is the smaller spends that add up. Coffees out, drinks in the pub, taxis, makeup, sweets….and suddenly you have spent that £20. Similarly, don’t rush to join the university gym unless you know you will use it constantly. Wait to see how things pan out and if you can really afford it. If you are cycling everywhere, you are keeping fit anyway!

Learning to cook

If you have never learned to cook, this is the time to begin. When I dropped my second daughter at university, the freezer was already packed full of home made ready meals for a particular male student, provided by his mother! I could have felt bad for sending my daughter off with a bag of basics from Aldi, but I wasn’t concerned as I knew she was capable of putting together a decent,  healthy meal. I was more worried she wouldn’t be able to fit her leftovers into the freezer!

Still, it is never too late to learn to cook and there are a lot of student cookbooks on Amazon. The Student Cookbook: Great grub for the hungry and the broke has good reviews.  If you are  off to uni this year and cannot cook, you still have time to learn the basics. Ask your parents to show you how. Spaghetti Bolognese, an omelette, sausages and mash, a cheese sauce (for macaroni, a vegetable bake, etc) are all simple things to try. If you cannot cook at all, the temptation is to buy takeaways and fast food – these might seem cheap, but they are a lot more expensive than a jacket potato with beans and cheese that you can make yourself in no time.

Cooking is a skill for life and essential for effective student budgeting. Even if you are going into catered halls of residence I still recommend you learn some fundamental cooking techniques.

Kitchen essentials

There are many downloadable lists on line advising on the essential kitchen items to take to university. But are they really essential? When you are concerned about student budgeting you don’t want to waste money on pointless purchases.

You don’t need a set of saucepans – just one or two with lids will do. You only need a couple of plates, bowls, glasses and mugs and a small amount of cutlery. Your student housemates will be bringing these items too; as you get to know them you can share. As I am urging you to cook, you do need a chopping board and at least one decent sharp kitchen knife, a bread knife, a small wok or frying pan, some spatulas, a colander, a cheese grater, vegetable peeler, kitchen scissors, a tin opener and some plastic food storage containers with lids.

These are brilliant for freezing your leftovers so it is worth taking some freezer labels too so that you can identify your frozen creations. An indelible pen is handy for marking your stuff in the fridge and cupboards. And as you are a student you might need a bottle opener too :).

However, you don’t need to buy these all brand new. We have been scouring the charity shops and boot sales and have found a lot of items second-hand.

Food planning and buying

I know it sounds dull, but a bit of planning can go a long way towards effective student budgeting. Have a think about which nights you need food and then write a shopping list. Have at least a rough plan for what you will eat each day.  It could be that you have a bit of time on a Monday but will be late back on Tuesday. Your plan for the week could be to make double the quantity of a meal on Monday that you can heat up on Tuesday. If you are likely to be out several nights don’t buy too much food that will then be wasted.

Check to see which is the cheapest supermarket near your accommodation. Aldi and Lidl are great for saving money on groceries. Is there a good street market? It is worth exploring what is sold there. If you are cycling, a decent back pack or panniers are a worthwhile investment for bringing your groceries home. For walkers, how about a good, old fashioned granny trolley on wheels?

If you make friends with other students in your accommodation, maybe you could share the cooking and buy food together? Bigger packs are always cheaper.

Tracking your spending

If you don’t already have it, get online mobile banking. This way you can check often how your balance is looking and if you need to start cutting back.

Save money on text books

Text books are a major expense. However, you don’t have to buy them all new. Amazon will have many for sale used for starters. This is useful article from Save the Student gives more detailed advice about how you can save money on textbooks.

Getting a job

If you just cannot make your student loan stretch far enough you will need to bring in some extra money. Part time jobs are in high demand in student towns and it helps if you already have some retail or bar experience.  Get yourself a decent CV done and make sure you include any work experience. Ensure grammar and spelling are spot on for all your applications and the lay out is attractive. There is a lot of guidance on line about CVs and going for interviews and this will pay dividends when you are looking for a graduate job later. Keep plugging away.

Whilst you are job-hunting, you could look at making a little extra doing online surveys or mystery shopping. There are all kinds of paid opportunities once you start looking. A fantastic blog to check out to help increase your income is The Money Shed.

So, what are you waiting for? Have the most fabulous time at university, make the best of the experience and come out ready for what ever the world offers. I hope this helps you with your student budgeting so you can manage your money and avoid any more debt than is strictly necessary.
 

Five Frugal Things I have done this week 12th August

Five frugal things

It has been a bizarre kind of week weather wise here in Essex. We have had warmth, cold, sunshine but mostly a lot of rain. I have been hoping for an improvement as we are off to a little festival tomorrow.  It’s not looking too bad at the moment but I will be taking my rain mac just in case.

So what five frugal things have we achieved this week?

We have a working wood burner

We finally had our wood burner fitted! It is ready for winter. This isn’t frugal in itself, of course, as it was expensive. Mr S saved us money by doing as much work as possible himself but we had to pay to get the chimney lined. Others who have one tell me that it has saved money on their heating bills in the long run and is great for drying laundry.

I am certainly looking forward to cozying up in front of it this winter.

I got some cash back

I signed up a while ago to Top Cashback and, even though I have barely bought anything over the last few months, I have earned £50 cash back! Imagine how much you could get back if you are a big online spender?

The idea is that you go into the site and peruse the deals they have negotiated with various retailers. If you buy something, you get the published amount of money back. I have got into the habit of checking Top Cashback to see if there is a deal on before I buy anything. I renewed my breakdown cover and bought a few presents and it has definitely come up trumps.

If you use my referral code, here, I earn a commission and you get a £5 bonus once you purchase something.

Picnicking

As I mentioned, we are off to a small festival tomorrow – Wrabfest! We have never been before but it looks fun. It is a community event, organised by villagers from Wrabness. Because we are on a grocery challenge, we shall be taking along a large picnic. I have rolls, crisps, fruit, chocolate, sausage rolls and water. Hopefully we will be allowed to take a flask in too. As we are there all day, we will probably blow the budget and buy a burger or something for dinner though. You have to loosen the purse strings once in a while, and I don’t fancy lugging around too much food. Hopefully, this will be a nice day.

Surveys

I have never bothered much with online survey sites to make extra cash. They seem generally to be a lot of effort for very little reward. However, Prolific Academic was recommended to me as one that actually pays worthwhile amounts. I signed up and did a couple in my lunch hour today. I made £3.17 in about 20 minutes. Ok, it’s not going to make me rich, but if I did that every lunchtime it would be a useful amount extra at the end of the month!

You need to answer quite a lot of pre-screening questions and they keep appearing, each time you log on. The more you complete, the more surveys you are likely to be eligible for. It also pays to add your phone number to verify your account, I am told.

Lunch for pennies

As we still have a few courgettes coming through on the veg patch, I made a bucket of ratatouille on Monday. We had it for dinner with rice and I have eaten the rest for my lunches every day. It made a change from soup or a sandwich. I don’t really use a recipe. I just chop up onions, garlic, peppers and courgettes, fry them up, then add tinned tomatoes, herbs and seasonings. If I have an aubergine I might chuck that in, but I did without this time. It is certainly cheaper than going to the shop every day for a meal deal!

I’m linking up with Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Hop over to their sites to see the frugal things they have achieved? Let me know about yours in the comments too.

Is frugality the new black?

frugalityIs frugality the new black? I asked this same question back in 2014. Back then it felt we were still in a post recession hangover. Now, in the UK anyway, I think it is more to do with post-Brexit nervousness and our government’s insistence on pushing forwards with their austerity programme. Either way, whatever the cause, frugality seems to be in!

Frugality is in

Food and energy prices go up whilst wages largely stagnate. Benefits are being squeezed for those already on the lowest incomes. Public services are facing cutbacks just as people seem increasingly to need them.

No wonder the internet is packed with money saving and frugality blogs! Whether you want information on living a thriftier, more frugal lifestyle, need advice on budgeting or debt repayment, need better value recipes or want to know where the best discounts can be found, there is a blog for you.

You Tube also features these frugal bloggers and Pinterest is positively awash with them. New books like The No Spend Year: How you can spend less and live more (Michelle McGagh) echo those published at the time of the last recession such as Judith Levine’s Not Buying It: My Year Without Shopping. There are TV programmes telling you how to spend less on food, how to get more for your money, how to live mortgage free and how to make something new from an item about to be sent to the rubbish dump. Buying second-hand is positively trendy (although not always super cheap if it carries a ‘vintage’ label), with a host of entrepreneurial folk making a living selling second-hand stuff on eBay and other online sites.

Taking care of the pennies

frugalityI guess I might have a different view of the situation if my colleagues were mostly investment bankers rather than local government employees. However, it appears that most people I know are watching the pennies. Those who once seemed embarrassed about shopping in the discount supermarkets now appear very happy to share how much money they saved.

Do people still feel the need to keep up with the Jones’s? I don’t see this so much. Many families are prepared to budget when they need to,  which doesn’t leave much scope for showing off. I am sure some parents continue to spoil their children by spending vast amounts on Christmas and birthdays. However, I have noticed that there are just as many keen to show their children they love them in more meaningful ways and to teach them the value of money.

It is no fun having no spare cash. It is even worse if you have debts because you don’t control your spending. There are plenty of folk out there with reasonable incomes who are in a sticky financial situation because they have been under the influence of the buy now pay later credit culture. I am happy to be part of the frugality trend if it in any way helps people to manage their money better, to appreciate the simple things in life and to save a bit of cash for a rainy day.  I hope it isn’t just a thrifty fad and that frugality really is the new black!

There are a couple of affiliate links in this post and if you purchase anything after linking through I will receive a small commission.

What is Facebook Marketplace and is it the new eBay?  

Facebook Marketplace

Facebook Marketplace: what do you fancy?

Regular readers will know that I am a fan of eBay for buying and selling.  It is great for making money from your old clutter, reselling  and finding bargains. But what of the new Facebook Marketplace? Could it be a serious rival for eBay?

What are the benefits?

I have only recently discovered Facebook as a way to buy and sell. At first glance it seems to have some advantages over eBay. There are no selling or PayPal fees for a start. These can make quite a dent in your profits!

So many people use Facebook now, the potential audience is huge. As awareness of Marketplace increases so do the number of potential buyers and sellers.

You can search very locally, making it a good place to sell items you would like collected. However, you can expand your search to find items from further afield.

At a glance, setting my distance as 30 miles away from my house, I can see a bed for sale, a collection of toy cars, a mirror, wardrobes, jewellery,   Handbags and clothes. It reminds me a little of Gumtree.

Better than Freecycle?

Facebook Marketplace seems a good place to get rid of stuff for free. I found my local Freecycle group such a faff and a bit over controlled. The admins were too keen to refuse your adverts and it all took quite a long time. Your inbox then got deluged with emails!

eBay is no good for finding free items because of the aforementioned fees. I have already given away a large cross trainer that none of my family and friends were interested in, saving it from landfill.

Classified ads

The classified ads section on Facebook is great. You can rent a room or mobile home out,  do a house swap or sell your flat! You can advertise for a cleaner or offer your services as one.

What are the disadvantages of Facebook Marketplace?

eBay offers its users  a huge global marketplace, with potential buyers and retailers from every part of the earth. This can’t be said for Facebook.  It is still relatively small scale and seems to be better at a local level. However, who knows how it will progress in the future?

Facebook isn’t policed in the same way as eBay. If you have a difficult transaction on eBay they will always jump in to protect you financially and get your money back. You also have the opportunity to rate poor buyers and sellers to warn against them or provide reassurance.

If you purchased something on Facebook and it stopped working a week later it’s not clear what your rights would be or how you would go about claiming your money.

Payment is mostly cash on delivery and sellers seem less inclined to mail items. Because eBay is such a huge global organisation it is the other way round. However, this does mean the price you offer is the price you pay with no over inflated postage charges.

So, is Facebook Marketplace the new eBay? Not yet, but I will certainly be using it alongside to get rid of bulky items like furniture. And I will take a browse through what is on offer from time to time.

What are your views? Have you tried Facebook Marketplace yet?

Bargain-hunting and a freebie

Fresh back from my holiday, I need to be mindful of my spending. I have therefore gone straight into bargain-hunting mode.

bargain-huntingI had to go and get a few essentials because lots of things had run low whilst we were away. First stop was B&M. I pop in there occasionally to stock up on cat litter as this is the cheapest place for the wooden pellet variety that I prefer.  £5.59 for a large 30 litre bag, which is so much cheaper than elsewhere.

I have a lot of birthdays coming up so I stocked up cards. These were mostly 99p each which is pretty much the most I will ever pay, since they end up in the recycling anyway! Home Bargains is even cheaper for cards but I thought I may as well get them whilst there.

bargain-hunting

More bargain-hunting in the toiletries aisle. I bought my hair dye as I always do my own. This one was only £3.49, which was a good price. I treated myself to a moisturising foot masque for 99p because my feet feel very dry after walking around barefoot on the beach. My daughter has tried it and said it is nice. The makeup was a revelation in B&M. More bargains! I bought a bronzer to keep my holiday tan going. Only £2.99! It seems very nice and I used it today.

What a beautiful day it was yesterday. It felt even hotter than Mallorca, although I suppose I was rushing around doing laundry and shopping rather than lying on the beach sipping a gin and tonic 😀😀. No more showing my all inclusive arm band and getting everything done for me!

I managed to get three loads of washing done and dried, doing my my usual trick of giving each item a big shake before hanging them on the line and folding them up as soon as they were dry to minimise the ironing. There is enough to do without a massive ironing pile.

Free Manufacturer’s vouchers

A nice little gift arrived recently: £10 in vouchers from Purina. I wrote and told them how much my cats were enjoying Felix and they were obviously delighted to receive the compliment. I was very pleased because I had heard that companies sometimes send you vouchers if you contact them but I had never tried it. It was worth the effort! I might write to a few more. Has anyone else done this?

bargain-hunting

This meant I got the cat food for free as 48 sachets of Felix were only 9.99. I wasn’t lying – my cats really do enjoy Felix!

So a good day for bargain-hunting! I will make this month’s money last 😀. As a plus, darling daughter had watered all the plants and the garden is looking green and lush. Mr S will need to get the lawnmower out.

Anyone fancy some money back?

I was perusing Twitter in a sleepy state this morning when I came upon a great offer: £15 cash back on a £25 spend online at Asda. As I planned to pop in somewhere tomorrow to buy my Lactofree milk and cat food I thought I might as well have a look.

I signed up with a site called Top Cash Back and clicked on the link to the Asda site to get the offer. I will pop in to collect it tomorrow so I don’t have to pay the £5 delivery charge and hopefully my cash back will appear on my Top Cash Back account soon. Chuffed!

If you are interested in this, have a look. Be quick though as it only lasts until Monday. If you click through from my link I will earn a referral fee. Then if you recommend it to your friends you will also earn the fee. It’s win-win with this one!

Click here.

I plan to have a proper examination of the Top Cash Back website as it looks excellent. You can get money back on almost everything if you go through the site: fashion, beauty, furniture, holidays and hotels, eating out and utilities. I have recommended Good Energy on this blog before. I like their green credentials and very good customer service. I notice you can get £70 cash back if you sign up with them.  Broadband deals that are worth checking out are £150 cash back on Sky bundles, £250 on the same from Virgin Media and £150 on EE.

With the vacation season fast approaching, you can also get 20% cash back on airport parking, 6% on Holiday Cruises and 4% on Disney World holidays.

As this is the first time I have used the site and I don’t have my cash back yet, I am cautiously recommending it. It looks promising though! Has anyone else used it?