Guest 700- Registered: 11 Jun 2010
- Posts: 2,868
3 January 2011
23:3187655Here you are, here's a chance for some serious debate
on how to save money.
I will start: Grow your own vegetables and keep chickens.
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Lincolnshire Born and Bred
Guest 651- Registered: 12 Mar 2008
- Posts: 5,673
3 January 2011
23:3387656Sign up with the Money Saving Expert weekly newsletter
http://www.moneysavingexpert.comBeen nice knowing you :)
Guest 706- Registered: 25 Oct 2010
- Posts: 285
4 January 2011
01:0487657Shop at the Co-op. We got about £95 in dividends this year and you can change them for cash!!
Guest 695- Registered: 30 Mar 2010
- Posts: 426
4 January 2011
01:4887658Before you go shopping make a list and stick to it. Also, check their website for any special offers and... check your receipt after paying because you won't believe how many times they mess up their pricing.
Jan Higgins
- Location: Dover
- Registered: 5 Jul 2010
- Posts: 13,888
4 January 2011
08:1787661Bulk cook and freeze in portions, better for you and cheaper.
Price check supermarket special offers against the other sizes on sale, quite often a different size work out cheaper.
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I try to be neutral and polite but it is hard and getting even more difficult at times.
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Guest 655- Registered: 13 Mar 2008
- Posts: 10,247
4 January 2011
08:5087665Buy your weekly supermarket shop on-line. Some supermarkets will even deliver free on some days. Even if you pay a small delivery charge that is offset by not using the car and because there is less temptation for those impulse buys. I do mine two-weekly topping up with some fresh stuff in between.
Guest 695- Registered: 30 Mar 2010
- Posts: 426
4 January 2011
08:5687667That's a very good point Jan, very often the supermarket end-of-aisle bargain/special offers are nothing such when you compare the price to a different size. Blatant eye-catching robbery.
And Barry, you're right, fresh veg especially is both much better quality and value if sourced locally.
Keith Sansum1
- Location: london
- Registered: 25 Aug 2010
- Posts: 23,942
4 January 2011
15:2187688ALL POSTS ARE MY OWN PERSONAL VIEWS
4 January 2011
19:44877431 - Get an electricity monitor. I was amazed at how much I spent on all those things that are left on stand-by, lights left on, how much that kettle costs to boil etc. Now I turn everything off that is not needed, boil only the water that I will use and switch lights off. These are all things that we are advised to do but its only when you actually see how much it costs that the incentive is there to turn off!
2 - Have meat free days. The soya protein meat replacement from Holland and Barrett is a great replacement in bolognaise and chilli, or use lentils and beans. Much healthier too and no horrible fat and gristle that you get in cheap mince. Veggie stew and dumplings is on the cards tonight. Yummie!
3 - Walk to your local shops. They could use the trade and you are saving fuel costs.
4 - Turn down your heating and put on more layers. Its daft sitting around in a T shirt in an overheated house in the middle of winter.
Guest 694- Registered: 22 Mar 2010
- Posts: 778
4 January 2011
20:3187753I wont be using the local shop in Whitfield following the last experience i had in there.. not amused but I do use the local shops up here in Faversham and I try to get some bits and pieces when I am in Dover.
And as we speak I am in my jim jams, in a dressing gown, under two blankets and got the duvet on the top with a hot water bottle. Cold .. yes.. but also poorly. K & C A&E were quick for a change.
I buy packages for my mobile phone, so I spend £10 a month, and get lots of minutes and more texts than i could every require
I regularly say to my brides who are on a budget, ask the family for things, someone may well be good at making a cake, they may pitch in for a disco, flowers ,
Check the interest rates on your loans, if you can transfer them to an interest free account or lower interest rate. ( I know I am probably wrong, but I am blantantly a rate tart!)
Guest 655- Registered: 13 Mar 2008
- Posts: 10,247
4 January 2011
22:3087785Lesley, some good ideas but meat free days! ooooooerrrr not for me, I would spend a bit more on better mince and a bit less of the veggies!!!!
Jan Higgins- Location: Dover
- Registered: 5 Jul 2010
- Posts: 13,888
4 January 2011
22:3987787No, what you do Barry is have a little less good quality mince and a few more veggies.
I love my veggies but must admit I am not keen on the pulses.
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I try to be neutral and polite but it is hard and getting even more difficult at times.
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Guest 653- Registered: 13 Mar 2008
- Posts: 10,540
5 January 2011
08:0887792Unless they're your own pulses Jan !
Roger
Guest 698- Registered: 28 May 2010
- Posts: 8,664
5 January 2011
15:0087812I seem to remember there was a thread on baked beans recently and Vic admitted to being a great fan of said musical fruit!
I'm an optimist. But I'm an optimist who takes my raincoat - Harold Wilson
7 January 2011
18:1688061Here's another possibility for mortgage payers: Look into off-set mortgages. I used one of those and managed to pay off my mortgage years early. I was talking with a friend of mine last year and suggested she look at the Virgin One account. She did so, and has paid off £11,000 more than she would have done in less that a year, simply by using wages to offset interest and putting her saving into her mortgage plan. I think they are excellent financial products.
And Barry, everyone to their own, huh. You wouldn't catch me eating meat any day of the week, and not just because it is cheaper
Last night was sausages and mash using the granose Lincolnshire sausage mix from H&B. OK, they don't taste like pork (of which I am pleased), but as a tasty alternative to sausages they are great. At £1.35 a pack, from which I could make 8 sausages, I expect they are cheaper than cheap sausages too, and you don't want to know what goes into the cheap meat.....
Guest 655- Registered: 13 Mar 2008
- Posts: 10,247
7 January 2011
18:3688072Lesley - You are not wrong about off-set mortgage but take care, technically you have promoted a regulated financial services pruduct without the appropriate warnings, authorisation or qualifications. That is actually a criminal offense.... I dont expect anyone to 'grass you up' though
.....
These mortgages are very good products (I have a One Account - as Virgin one are now called) and if you are self-disciplined and work them properly they are great, but you do need self-discipline with them. My usual warning with financial services products, particularly more complex ones like this, get professional advice before buying, fee based advice is always best.
Everybody please note: Your home is at risk if you do not keep up payments on a morgage.
7 January 2011
18:5588081Ooops, and there was I thinking I was being helpful but actually I am now a criminal. Shows how easy it is to transgress to the dark side.....
21 January 2011
16:0689801A thought from Friends of the Earth -
Fridges
Help your fridge waste less energy - and save you money - by trying these tips. Dust down the coils at the back of the fridge - dusty coils can waste up to 30% extra electricity. Defrost your fridge regularly. Let food cool down properly before putting it in the fridge
Brian Dixon
- Location: Dover
- Registered: 23 Sep 2008
- Posts: 23,940
21 January 2011
17:3889828my tip on saving money is,...........dont spend any.
Guest 698- Registered: 28 May 2010
- Posts: 8,664
21 January 2011
17:4289829Make a list of what you actually need when you go shopping. Take just enough cash to cover it and leave all cards at home.
I'm an optimist. But I'm an optimist who takes my raincoat - Harold Wilson