Tag Archives: Money saving

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!

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?

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?

Frugal achievements 

Although March wasn’t a no spend month as January and February were, it was a low spend period. I am forever trying to make my money go further in many small ways. There is nothing life changing in this list, but every little helps! Here are some of my steps towards frugality for March:

Listed and sold several items on eBay

Took cuttings from our unusual multicoloured wallflowers – free plants!

Made a cake as a gift for my parents

Saved some old wine by freezing it in ice cube trays for cooking

Made chicken stock from old carcasses.

Reduced the amount of sachet food I give the cats and increased their dry food (cheaper and better for their teeth).

Took advantage of the Aldi super six offers to buy butternut squashes for soup at 49p each. This should cover our work lunches.

Sowed tomato seeds for the greenhouse. These were free Heinz seeds my daughter picked up! Should be interesting.

Sowed courgettes and broadbeans.

Purchased a lovely pair of curtains for our upcoming redecoration of the lounge. These were from eBay in great used condition for £20.

I think I must also have saved money over the course of the month by not eating sugar. This was much easier than I anticipated. I broke the sugar fast with a slice of lemon drizzle cake yesterday. However, I still intend to keep my consumption of refined sugar very low. I feel better for it!

It is a glorious day here and we have been using the green gym in the garden, i.e. digging and weeding! So I am saving more money and getting my exercise for free! Have a great week.

Happy NOT to be in vogue

I am just having a little laugh idly reading an old copy of Vogue someone left in the break room at work. It is a ‘more dash than cash’ special issue. Hidden amongst the pages and pages of adverts for designer handbags, jewellery, clothes and makeup is an article on DIY couture, in which designers make dresses out of cling film, latex gloves (‘When layered up, the gloves look like silk’) or cotton wool balls. I must add this to my Fifty Ways to Save Money Now article 😀😀.

They also suggest ways to customise some clothes that look more likely to save money, as long as you don’t spend £125 on a denim jacket to perform this transformation on, as they did. There are other gems of frugal wisdom like the suggestion that spending £50 on a designer headband can save money on blow dries, how to update last season’s dress by spending £240 on earrings, shoes and a clutch bag, or buying a £27 bottle of foundation as it contains an anti aging serum so you won’t have to buy one separately. The most confounding piece of advice was that ‘lipsticks are the new it-bags, so ensure yours has a big, prominent designer logo’. Uh?

No wonder people are in trouble with money! This is why I always advise people who are trying to save cash or pay off debts to avoid glossy magazines. They are trying to sell you a lifestyle and, unless you are on the big bucks, it is simply not realistic or achievable. I would add ‘or desirable’ but this magazine is clearly not aimed at me, so what do I know? It is a different and totally alien world to me.

I can laugh as I am not taken in, but I worry for those who are. What about you? Are you a fan of glossy magazines?

Keeping up with the cost of living

I heard on the news today that the cost of living in the uk has risen by 2.3% in the past year. Food itself has gone up by 1%. This is ok if your salary keeps up with it, but I have had a paltry 1% increase this year. Heaven knows how larger families manage.

So, what can you do? How about a side hustle? There are some ideas for making extra money here.

You can save money on your grocery bill with a bit of careful planning and savvy shopping.

Then we have your energy bills. Some ideas that I have tried can be found here. You can also haggle down the cost of your utilities.

Running a car can be a huge expense but it is possible to be frugal here too. This is how I save money on motoring.

Do you spend too much on clothes? You can slash costs if you embrace the idea of buying second hand. I am a happy second-hand Rose.

Days out also don’t have to cost the earth. My tips are here.

This is just a quick compilation of ideas. I hope they help! And don’t forget to check out my frugal recipes.

Back tomorrow hopefully if I have time between work and hospital visits!

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?

Saving money on coffee

It was a madly busy day at work today, followed by a visit to the hospital to see my mum. She was in a lot of pain today, although she did manage a little walk along the corridor on her frame with the physiotherapist.

Luckily my daughters had sorted dinner when I got home – Quorn bolognese, as one of them is vegetarian. 

I hardly drink coffee at all as I can’t do too much caffeine, but I do enjoy one decent cup each morning. I usually buy Millicano. I try to find it on offer as it’s not cheap, so I was interested to try this Alcafe Barista Moments coffee from Aldi. It was a pretty nice cup actually, not quite Millicano but not bad at all. It cost £2; Millicano is usually at least £4.30. I might mix the two to save a bit of money!

Anybody else tried this? What did you think?

I’m hoping to go and collect Mum tomorrow and take her home but we will have to see what her consultant says. Fingers crossed!