Tag Archives: Money saving

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!

More DIY hair cutting and a kitchen let down

My daughter watched my recent efforts at cutting my own hair with horror. She was sure it would all go horribly wrong! When it didn’t she agreed to let me cut hers. She has the most beautiful hair in generally excellent condition, but it had a few split ends and was so long it was getting in her way.

We watched a couple of You Tube videos where long hair was pulled into a very tight pony tail at the front of the head, and a lump was taken off which created layers.

We decided to be quite cautious and only took 3 inches off this time. It is still very long but looks a bit neater. We will take more off next time but first I will purchase a better pair of hairdressing scissors. The ones I have were sharp enough for my hair but not sharp enough for her very thick locks. I have quite a lot of points on my Boots card so I am hoping this will cover it!

I don’t know when we all stopped eating bananas, but I had a pile of black ones this week to use up plus some I had put in the freezer. I decided to make a recipe from Nigella Lawson’s  How to be Domestic  Goddess for banana muffins. I wish I had stuck to the usual recipe I use as these were just weird, chewy and bland. The recipe uses no eggs or sugar, although it does include honey. They are ok if you cut them open and smear a bit of jam on, but not my favourite! Disappointed, Nigella!


Happy Sunday everyone!

Shopping for a hobby?

I had to pop to town to pick up my new glasses yesterday. It was really busy. Lots of people apparently shopping for fun it seemed. I do not shop as a hobby. I used to! I remember I would tell myself I was ‘just window shopping’ and before I knew it I had spent £50 on clothes I didn’t need or books I might not get round to reading or expensive glossy magazines. (These are a killer for the money saver. They give you a vision of a impossibly perfect lifestyle. Your life will be complete if you spend money on the right home decor, clothes, beauty products, right? Actually no. They are one of the first things I knocked on the head when I decided to get my financial act together).

Anyway, I digress…these days many people shop as a leisure activity. They park, they shop, they coffee, they lunch – it can be a very expensive pastime. I sometimes fancy a spree but I rarely indulge as I don’t enjoy the shopping hangover: the dent in my bank balance, the strain on the credit cards and the worry about how to pay it all back. 

My idea of shopping heaven is a £10 note and a couple of hours at a boot sale on a sunny morning. I get more of a thrill from spending a pound buying a top second-hand than I would have if I had bought it new for £20 😄. I can get a couple of books I fancy, a DVD and some CDs for the car for the price of a fancy coffee in town.

Instead of buying lots of books to clog up my house I can borrow them from the library. If there is a book I would like to keep I can get it used – the internet makes it possible to locate practically anything second-hand.

If I want furniture you won’t find me hanging round a fancy showroom; I will be in the local charity shop or looking on Gumtree. 

Shopping isn’t a hobby if you are trying to save money. How about hiking? Walking is free! If you don’t fancy that you can download exercise classes of any description online for nothing. How about yoga? All you need is a good book (from the library) on the subject and a non-slip mat. You can learn almost anything on You Tube so the possibilities for finding a new hobby (knitting, crochet, painting, woodwork?) are endless. Just don’t take up something that involves you buying lots of fancy equipment before you begin!

No spend January – how did I do?

Regular readers will be aware that, like many people in the new year, Christmas had left my bank account feeling rather depleted. I resolved to make January a no spend month, buying nothing except essentials. I paid the bills, planned our meals to use up what we already had and then kept grocery spending as low as I could. I bought petrol but tried to minimise how much I used the car and drove like a granny so I didn’t use so much fuel. I didn’t need any cleaning products and won’t do for a few months. I bought no clothes, books or makeup. Even the cats have had to get used to a cheaper brand of food!

Did I have any slips? Well, yes, I caved and bought hair dye as I had a grey stripe on my head, I bought popcorn and snacks for my daughters from Lidl when we went to the cinema (they treated us as they had vouchers). On Friday at work I was a bit hormonal and gave in to a bar of chocolate from the vending machine (80p! Could have got a pack of 4 for £1 elsewhere). 

Other than that I have done really well – so well I am extending this into a no spend February. None of this is really a stretch for me as I am frugal nearly all the time anyway, but declaring a no spend month keeps me hyper aware of my every purchase. If I am going to create a healthy emergency fund I need to do this.

I really need a haircut at some point so that might be an allowed exception. It is also Valentine’s Day. We never go over the top with this but will have a nice meal in and I plan to make Mr S a present. (Not sure what yet but it is likely to be edible!). Because it actually IS the thought that counts.

We will need every spare penny over the next couple of months as Mr S is installing a woodburner. This was my birthday present a year and a half ago but for various reasons other things have taken priority and it has been sitting in its box waiting to be fitted. He will do everything himself except line the chimney so it shouldn’t be too expensive, but we will redecorate and freshen up the whole room. He has damaged the wallpaper, adding to the damage already inflicted by the kitten! I don’t intend to use any savings for this project, it will mean being super frugal and cutting back elsewhere.

It’s been an interesting month for my blog. I made a new year resolution to write a decent post every day and the number of views I get has doubled. I am chuffed, so thanks to those of you who have read my whitterings!

How about you? Did anyone else do a no spend month or are you planning to?

Just say no!

Since I have been on my journey towards simplicity and frugality I have learned a lot – about myself, the people around me and society in general, especially our attitudes towards money. There is no doubt that we live in a spend now, worry later society. It is still easy to get credit, with lenders seeming to be rather casual about whether we can afford to pay our debts back or not. 

The pressures on us all to achieve the perfect lifestyle are huge! We measure success in terms of wealth: we need to live in a nice house, drive a new car, wear designer clothes, have an expensive annual holiday. If we get married we should look at a £20k budget minimum. We might even consider a few thousand on plastic surgery to sort out our perceived imperfections. 

You might achieve all of these things yet lie awake at night in a fit of anxiety worrying about how you are going to pay for it all. You only have to look at the dramas the rich and famous endure to see that all this surface stuff is no guarantee of happiness, even if you can afford it. 

So, number 1 on my list of ways to save money is – learn to say no! To yourself, your children, your partner and to friends and family. Your girlfriends invite you on a weekend to Amsterdam – you have a huge overdraft but could add it to the credit card…don’t do it! Your daughter wants a new tablet NOW. She can save up for it or wait until Christmas! You have to go to a smart work do or a wedding and NEED a new outfit. Do you? Is there really nothing in your wardrobe that will do? Ignore the TV ad telling you that a new sofa before Christmas is essential. You parked your bum on the old one perfectly happily all year so why take on a major expense with all those presents to buy?

If you have a supportive partner helping you control your finances you are very lucky. If you don’t then you need to sit them down, show them the current state of your bank balance and make a plan together. If you can get your partner on board (and children too if they are old enough to understand) you are in the first step to getting your relationship with money back on track. If you can’t, your relationship with each other is bound to suffer horribly. 

Whatever you need to save money for, to pay off your debts, to retire early, to save for a house deposit or your wedding, or just to get by, saying no will be key. I don’t mean you can’t have any fun. There are so many experiences in life that cost very little or even nothing. It’s not about deprivation, it is about accepting your financial limitations and being more creative and appreciative of what you have. This is very liberating!

This is my intention. I will see friends, I will have a cheap holiday and I will buy a small number of inexpensive things when they are really needed. But gone are the days when I will max out the credit cards to book a break, feel pressured to meet friends in an expensive restaurant or be persuaded to have a store card with a high interest rate when I want to purchase clothes.

How about you? Can you say no?