My five frugal things this week 20th October

Welcome to this occasional round up of my frugal things for the week. It is a collaborative effort with some other bloggers and will hopefully give you a  bit of inspiration to be a bit more frugal when you need to.

Selling some old clothes on eBay

Some boots to sell on eBayMy daughter had a big clear out of stuff before she left for university and left several bags behind. I fished out some items I knew I could sell before donating the remainder to the charity shop. I have been slowly working my way through them and managed to get quite a bit listed this week. I found two pairs of ankle boots in excellent condition. One was a leather pair from Clarks and the other from New Look. They are barely worn. She clearly has more money than sense!

I managed to sell a couple of things this week too, but I have to stop myself browsing whilst I am on there and buying more clothes! I love a bargain and there are plenty to be found on eBay. You can read my post on eBay selling here.

Old fashioned frugal things: Apple picking

Home grown russet applesA few years ago the local council did a tree giveaway. We rushed to join the queue for this rare freebie and picked up a russet apple tree and some blackcurrant bushes. We have had crops of blackcurrants  two summers in a row, but this is the first time we have had a decent crop of apples. They are huge – delicious and crunchy too, with a nice sharp flavour. I have been out picking them so have saved myself money on fruit this week. Growing our own is one of our favourite frugal things to do.

Surveys

I have been exploring the money making possibilities of doing on-line surveys recently. My favourite so far is Prolific, as they only take a few minutes and pay quite well. I have managed to do three surveys for them this week, mostly in my lunch hour.  I have also signed up for Mingle, but that site is annoying me so far as you have to spend ages answering qualifying questions and then get told you aren’t right for them. This has happened three times so far – I can’t be bothered. It doesn’t happen with Prolific. They ask you enough questions when you first sign up and only offer you surveys you are pre-qualified for. My daughter has recommended One Poll as another survey company that pre-qualifies you so I have signed up with them too.

None of these will make a fortune, but for a few minutes every now and again you can make a few quid. I have £14 in my Prolific account and won’t withdraw it until January, when I am skint after Christmas!

Freebies

I mentioned a few weeks ago that I had received some excellent Pantene hair care freebies from SuperSavvyMe. I got to test them and feed back and I have now been accepted for another trial. This time it is for Bold 2 in 1. A much more expensive washing liquid than I would ever buy normally, so I will be happy to give this a try. I think I am lucky to be selected for two trials. I am sure it helps that I have this blog and that I am active on Instagram and Twitter so they are likely to get a mention!

If you are into social media it is worth signing up. They give voucher codes and run competitions as well as the product testing.

I genuinely liked the Pantene products. I had Micellar shampoo with two types of conditioner. My daughter and lodger both tried them as well and were pretty positive about them.

Out with the slow cooker

Slow cooker beef casseroleI popped into Home Bargains – I love that shop – to buy my cat food as it is the cheapest place by far to get it. Whilst I was there I had a browse at the food and bought some stewing steak for £2.30.  As I suspected it wasn’t going to be the best, most tender meat I got out the slow cooker and made a delicious casserole. I can almost embrace the onset of the cooler weather when the slow cooker comes out! I love that you can chuck a load of stuff in it in the morning and it is transformed into something amazing by dinner time. It costs almost nothing to run and means you can use cheap cuts of meat to make yummy family meals. This made four generous portions.

So these are my five frugal things for the week. What are yours?

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Check out what they have achieved this week and share your own frugal achievements

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

 

Five Frugal Things I’ve done this Week 6th October 2017

I love these occasional five frugal things posts. When you think the week has flashed by in a blur of busy-ness, it is good to stop and reflect. So here are my five frugal things to kick off October.

frugal thingsFrugal thing 1: Using up the stores

I am eating out of the cupboards this week. For one reason or another it is just me almost every night. It can be hard to find the motivation to cook properly when I am by myself but tonight I made myself a delicious store cupboard stew.

I used chick peas and tinned tomatoes from the larder, along with a few frozen vegetables and some fresh ones that needed using up. Also chucked in were celery, carrots, mushrooms, a green pepper, some left over cooked spinach, a single new potato I found lurking and the end of a packet of mixed frozen vegetables. The addition of half a pint of stock and some smoked paprika – my favourite spice – gave it a lovely flavour. It was absolutely delicious! I had it with some brown rice for a really cheap and healthy dinner. Which leads me onto:

Frugal thing 2: Batch cooking and freezing

I love the odd home made freezer meal and frequently batch cook. It saves time and money. Tonight I deliberately made a big pot of my stew so that I could eat it tomorrow and freeze a couple of portions.

Frugal thing 3: Rented out the spare room

I welcomed my new lodger on Sunday. She seems really lovely and is settling in well. It has been nice to have a bit of company this week. The extra money is hugely helpful to my budget. I found her through Spare Room, which is a good site in my opinion.

I gave the room a refresh the other week – bit of frugal DIY. It was well worth it as it looks lovely and clean now.

Frugal thing 4: Making the most of windfall fruit

Mr S arrived home with a huge box of cooking apples a couple of weeks ago, far too many for us to use in fact. I have given a load to friends and neighbours and got back some pears in return. These are currently ripening in the fruit bowl. I didn’t have to buy any fruit this week at all.

I also peeled, chopped and froze some of the apples to mix with the home grown and foraged currants and berries already in the freezer.

frugal thingsFrugal thing 5: Completed a no spend week

I have purchased nothing this week except cat food, milk and a pack of reduced price mushrooms. I didn’t intend to do this – it just happened! We didn’t need any groceries except milk as we have been eating from the stores, but when I saw the yellow sticker on my half price mushrooms I knew I could use them in tonight’s stew. I don’t spend unless I need to. At the moment I am conscious that Christmas is on the way, and I want to save the pennies for presents.

 

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Pop over to their blogs to see their five frugal things. What have your money saving achievements been this week?

 

 

Save money with a wood burner

Save money with a wood burnerThe wood burner is finally up and running! We have had it for ages and ages but Mr S fitted it over the summer, then we got someone in to line the chimney.

The benefits of a wood burner

Yesterday evening it was finally cold enough to try it out. We only had a small fire but it was lovely!  I am looking forward to cosying up near the fire as it gets colder. There are other benefits to having a wood burner, of course. Wood as a fuel is carbon neutral and if we buy it locally it will have a smaller environmental footprint than running the gas boiler. No doubt we will run the heating at times as well. I anticipate that the wood burner will warm up the house but I’m not sure it will get to some of the cold rooms at the back.

Save money with a wood burnerI have read that logs purchased locally are also likely to be much cheaper than other forms of heating fuel and that we could save money with a wood burner. We have some free logs that we have gathered from various places. Now we need to start searching for a good source of cheap wood.

Saving money with a wood burner

It will be nice to hang the laundry on the clothes horse near the wood burner. Hopefully it will dry quite quickly. I don’t have a tumble dryer so currently use the radiators and a dehumidifier to help dry the clothes in the winter. Partly because of this, partly because the house is lacking ventilation and partly because we are mean with the heating, we have suffered some mould problems in the past. To counter this, over the last few years we have run the heating more and had the dehumidifier on quite a lot, which can be quite expensive. I think the wood burner will help keep the condensation at bay.

I am hoping the wood burner will save us quite a bit of money overall but we shall see!

Mr S picked up a large plastic garden chest that should be ideal to store our logs outside. This cost him nothing as it was from a house clearance he helped with. We also found a nice wicker log basket at a country fair recently  for a fiver. The wood burner itself was expensive, of course, but hopefully it will pay for itself over time. The next step is to decorate the lounge, which we will be doing over the next few months.

Do you save money with a wood burner? What are the benefits or the drawbacks?

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.

Right on the money: Sensible advice to save you cash

right on the moneyI have been watching an excellent TV programme In the mornings recently called Right on the Money. It is usually on during the day when I am at work but seems to be repeated the following day at 6.30am on BBC2. I watch it whilst I am getting ready for work!

I have just discovered this but found it features really sensible advice and information for those who are looking for ways to save money.  Sometimes I find such programmes are rather patronising and aimed at people so clueless there is nothing to learn if you are already pretty careful with your finances. Right on the Money is different and interesting, with really original content.

So far this week I have discovered the following:

Property guardianship

You can save huge amounts of money on rent if you become a property guardian. This involves paying a reduced rent to live in a disused building in return for some maintenance duties. The downside is that you only get one month’s notice of your landlord wants the property back. Not a solution for families but nevertheless such a great idea!

Nocturnal shopping

There is something known as the ‘vampire economy’. There are a whole host of nocturnal Internet shoppers who relax by spending their time and cash on the sofa or in bed buying stuff. I know a lot of people shop for leisure in town or at the mall at the weekend but hadn’t appreciated this happened online so much. I tend to buy things because I need them, not for fun. I don’t have enough spare cash for that to be a hobby!

Beware contactless spending

It is very easy to spend a lot of money using contactless payments. A coffee, here, a magazine there, a music download…they can soon add up. Contactless is easy and convenient, but because it doesn’t feel as if you are spending real money it can be hard to track.

Young entrepreneurs

There are many kids out there earning excellent money running their own businesses. There is 15 year old Harvey, who started a business designing and selling tax disc reminders. He invested his profits in land to create a campsite but ended up selling it for millions to a developer! Fourteen year old Angel sells animal fashion accessories that she makes herself and owns two shops. Then there is 13 year old Henry, who writes books and designs a range of children’s products based on those. Amazing and totally inspiring! They did make me feel a bit of a failure though. Ho hum.

Right on the Money!

It really is a great programme and worth watching on catch up of you can. Even us seasoned money savers can learn something. If you can’t watch Right on the Money, check out the website for loads of hints and tips on saving your dosh!

How to find the best boot sale bargains

I had a mixed experience looking for boot sale bargains yesterday. We went to two. The first was rubbish. Hardly any stalls and those that were there were mostly traders, selling old tools and out of date food.

Boot sale bargains

Boot sale bargains

 

We moved on quickly to the next, another small Saturday one. We often find boot sale bargains here and today was no exception. It is possible to buy really decent stuff at a Saturday or mid week boot sale, but Sundays or bank holidays are best. They tend to be much bigger, with more buyers and sellers.

I am trying my best to make a bit of extra money this month and my best chance is by selling on eBay. So I needed more stock. But how do you find the best boot sale bargains?

Find the real boot salers

I tend to look out for the real boot salers rather than the traders; those who have had a good clear out and just want rid. This is where you will find the best boot sale bargains! These tend to fall into two camps. The super keenies who arrive with the dealers at 6 am and those who turn up at 8 or after looking a bit confused and dishevelled.

You can tell the real boot salers straight away. They will be selling a true mix of goods rather than specialising in one thing, as the traders tend to.

Get there early

I do not join the greedy dealers who try to root through people’s bags as they are setting up. This is just rude! However, it pays to try to arrive early. You can get a good look at the early risers things and by the time you get through those the stragglers have set up too.

Identify the right kind of seller

Because my interest is mostly in ladies’ clothing I tend to watch out for younger female sellers. They often buy stuff they never wear and get bored with clothes quickly so I can get brand new or barely worn items from them. However, husband’s selling their wives things are good too. They can be clueless on price and often sell everything cheaply for the same amount, even if is is designer with the tags still on!

If I find a genuine person having a good clearout of their clothes it’s not unusual for me to spend a lot of time and money in one place.  Yesterday I spotted a lady with a stall full of great Marks and Spencer’s clothes, many still with tags. I bought 6 things for £20. The total value from the shop would have been £180 plus! I will get these listed and on eBay as soon as I can.

You will soon find the type of person to watch out for if you are interested in, say, children’s stuff or computer games.

Cheap household items

The traders stalls are worth a look for some items. You can find some well priced healthy plants, for example. Toiletries, cleaning products, bin liners, etc are also good value. Fruit and veg can also be worth a look, but with so much fresh produce in the garden now I didn’t bother.

Are you on the look out for boot sale bargains either for yourself or to resell at a profit? What are your best buys and your tips for finding them?

Need to save money? How about a no spend week?

no spend week

Beautiful Wrabness

Yesterday kicked off our latest no spend week. Earlier in the year we did a couple of no spend months. We only spent money on essentials such as food and petrol (plus the usual household bills, of course).

As well as being helpful for the bank balance, not buying anything is strangely liberating. Setting myself strict limits on what I can purchase takes away any temptations! There are no internal debates on whether I can afford something, I am just not buying it because I am on a no spend period. I get on with enjoying stuff that is free and using what I already have.

Why we need a no spend week

no spend week

Life’s a beach

As we have had a lot of expense this month,  a no spend week is a good idea and will take us up to pay day without going overdrawn or dipping into the reserves. 

The rules are the same as for no spend months.  We will only spend money on essentials.  Next week we shouldn’t need to spend anything at all, not even on food. We have plenty in the cupboards that needs to be used so it will be an eat from the larder week. We have milk, bread, cat food, tea bags and petrol, as well as plenty of food in the fridge and freezer.

A day out for free to kick off no spend week

no spend week

Mr S takes a dip

Yesterday we had a free day out in the sunshine, bar the cost of the petrol. We had to drop my daughter at a friend’s in Mistley for a barbecue, so we drove across to Wrabness after for a walk on the beach and a swim. The water was so calm, clear and warm, we could have been on the Mediterranean somewhere.  The beach huts at Wrabness are rather luxurious – more like chalets than beach huts really and it looks as if people are allowed to sleep in them. I bet they cost an absolute fortune! But we took some drinks and snacks and spent no money at all. Days out don’t need to cost an arm and a leg, especially when the weather is so hot. We are very lucky to have so many beautiful coastal areas within half an hour’s drive.

 

Is anyone else on a no spend week (or month)? Do you do regular no spend days? How do you motivate yourself and what do you do to stop yourself spending?

Five Frugal Things I have Done this Week 16th June

Five frugal thingsI haven’t spent too much this week, in preparation for next week. This will be strictly NO SPEND. I intend to buy nothing except essentials. I won’t even be doing a food shop, apart from cat food, loo roll and some vegetables. It has been an expensive month overall, so I need to do at least five frugal things every week!

Frugal thing no. 1

I popped into Sainsbury’s after 9 pm one evening to check out the yellow stickers. They didn’t have much that I wanted but I did buy some reduced mince and some bread. There is no point in purchasing yellow sticker items if you then waste them! Both have been frozen. I find that my freezer is essential when it comes to money saving, not just for freezing bargains, but also leftovers, batch cooked meals, poultry carcasses for making stock, left over bread for puddings and breadcrumbs, the fruit and vegetables that we grow in the garden and home-made soup.

Frugal thing no. 2

I have listed a ton of stuff on eBay and Facebook and sold 5 items this week. A nice gent came out to take the old cross trainer that has been sitting unused in the shed for 2 years. I let him have it for free so it didn’t generate any income, but it did save me the petrol and hassle of getting it to the tip! He was very happy with it. Generally, I am finding Facebook is more useful that the local Freecycle group at getting rid of stuff lately and easier to use. Selling on eBay is becoming a regular in my five frugal things round up!

Frugal thing no. 3

We have been carefully tending our veg patch and greenhouse. It has needed watering most days as it has been so hot and dry. The watering and weeding is paying off now. We have black and redcurrants just ripening and should have courgettes and broad beans ready for next week. That will bring the shopping bill down. I love eating our own produce!

Frugal thing no. 4

When I was a polling clerk the other week I carefully kept the cardboard backing and excess paper from each book of ballot papers. This caused some amusement and bemusement amongst my colleagues, but I explained that they would come in handy for writing notes and shopping lists. They really have. This week I used a couple of them to write my meal plan, the shopping list and a to-do list for darling daughter, who has been at home a lot. I hate throwing things away when they could be useful!

Frugal thing no. 5

We needed to find a good deal on the house insurance. I did some research on the internet to find a company that would be happy to insure us for buildings and contents even though we have a lodger. A surprising number won’t consider it although I got some very high quotes from a couple of companies who were happy to. However, the best deal was with Quote Me Happy. It was quick and easy as it was all done online instantly. They allow up to 6 lodgers. I am happy with just the one! it is always worth shopping around.

I am getting a bit of frugal inspiration for my no spend week by re-reading How I Lived a Year on Just a Pound a Day by Kath Kelly (my affiliate link). I intend to add this to my Frugal Bookshelf next week. Such a great book! I borrowed it in paperback form when I originally read it years ago, but now Amazon have it on Kindle for only £2.08. Bargain!

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky. Check out their five frugal things!

Home made eco friendly cleaning spray

I dumped the Mr Sheen years ago and I have been using a mixture of vinegar and water to clean surfaces and furniture. It is very cheap and effective. I  have also on occasion used bicarbonate of soda to scrub the bathroom. However, until now I haven’t really explored any recipes for  a home made eco friendly cleaner such as this one.

home made eco friendly cleaning spray

Home made eco friendly cleaning spray

A home made eco friendly cleaning spray

I hate the idea of living in a house filled with chemicals and the damage that they do to the environment, but I can’t afford the expensive eco-friendly cleaning products you find in the supermarket or health food shop. Over the years a mixture of being very busy and laziness has meant that my cleaning cupboard has started to fill up with standard cleaners. I have bathroom cleaners, bleach, window cleaners, carpet cleaners, oven cleaners….what happened to my green credentials?! My cupboard is full of chemical cocktails in a sea of plastic bottles. Enough is enough!

As I run out of each cleaner I am going to experiment with a cheaper, greener home made alternative. The first has been a general purpose spray cleaner that I have so far used successfully in the kitchen and bathroom as well as the kitchen work surfaces.

This is extremely cheap and easy to make. I put it in an old spray bottle so less plastic waste too! I reckon it cost about 60p for a litre and I have loads of borax substitute left that should last ages.

Orange general household cleaner

An old spray bottle, washed out
2 heaped tsp borax substitute
4 or 5 drops of orange essential oil
100ml white vinegar
warm water

Use a large jug as this fizzes when you add the vinegar to the borax substitute. Start by mixing them together as much as you can. Add your orange oil and top up to the litre mark with warm water. Keep stirring until the borax substitute is dissolved, pour into your spray bottle and get cleaning!

I got my white vinegar from Asda for about 39p and the oil and borax substitute came from Summer Naturals.

Does anyone have some tried and tested eco friendly cleaning spray recipes they would like to share?