Could We Save £100 This Month?
Both Granddad Al & I are of the belief that if you can’t afford it you can’t have it. We’ve never owed anyone any money or been in debt – now I’m not bragging, it’s just a fact. We live on a tight budget, but occasionally like a treat or two. Could we save any more?
This last month we have tried to see if we could live even cheaper.
Check You Bills
We’ve already had a water meter fitted & save over £40 a month. You can read about it here & here. Seriously we are paying less than £5 a month for our water. We regularly check out if we are on the right tariff for gas & electricity, seriously you can save a fortune just by spending 5 – 10 minutes online checking. If your Sky or mobile contract is coming to an end don’t just renew, ring up & ask what deals they have for you, don’t be afraid to cancel, there will be an offer, usually.
Same goes with your car insurance. We did ours back in June. We was quoted almost £450 on the renewal, by going on the price comparison sites I managed to get it down to under £350. That’s fully comprehensive, (which can be cheaper than third party fire & theft), with no claims protection, windscreen cover & courtesy car. They want your business, you can always go elsewhere, play one off against another especially with your mobile & car insurance.
Do You Really Need It?
Luckily I’m not one for buying things – I’m not really a big fan of shopping at the moment, due to the steroids I’m on my size is getting bigger, so I’ve not really wanted to go out & buy anything new to wear. But I do love wool, I love crocheting, knitting & I love wool – did I mention I really love wool? I have a stash that could do with using, so this past month I haven’t bought a ball – well I did, but it was from a charity shop & I paid £1 for two brand new balls, that should have been over £10 each, so I think that was a bargain really. What’s your temptation?
Also pay in cash not on a card, cash is always harder to part with & it’s real, whereas a card you don’t see the money until the statement arrives.
We also occasionally get a curry from the take away that is in the next village, when we are coming back from visiting Mum, but this month we was good, came home & used something from the cupboards. Read Mummy H’s Chicken Balti Curry Recipes.
But you could buy something ready made from the supermarket, instead of the take away. Both Asda & Tesco do great curry meal deals for at least two people, they sell lots of pizza options etc
Although a take away is usually cheaper than a meal out, by the time you take into consideration your drinks, desserts, coffee’s etc that you would have if you are out.
Special occasion, there is nothing stopping you setting the table & dressing up to sit down together for a meal in your own home. This is a great one for parents who do Date Nights, no extra cost for the babysitter, the taxi & you can have a drink without worrying about losing anything!
A Penny Saved
Remember the saying, if you look after the pennies the pounds will look after themselves. Try saving your loose change in a bottle, jar or tub, even a piggy bank if you’ve got one. Al puts anything under 20p in an old Pringles tube we have, it soon mounts up & you can treat yourselves to something every once in a while. Save it for a day out somewhere special.
Are you taking a train journey soon, then buy your tickets as soon as possible as they are cheaper if you buy them in advance. Also see if it’s cheaper by buying your journey in segments. Mummy H along with Jake & Grace came to visit us recently, she saved over £40 by getting her tickets over a month before & by breaking her journey into two different ones, From Newcastle to Carlisle, then Carlisle to Wigan, with the same returning. Also if possible travel off peak.
Going to the theatre, booking a night away a day out? Always look to see if there are any offers in the local paper, Groupon or Wowcher. But watch you don’t start buying offers you don’t need – that’s not saving money.
Cut down on your coffee! You can get really nice travel mugs from as little as 99p that you can make your own coffee in, no more queuing & you don’t have to say yes to that delicious cake that Costa always has near by that’s always so tempting. So you are not only saving money but also calories!
Make The A List
Make a list of all you weekly expenditures, & be honest. This can really be an eye opener as to where your money is actually going. We found out we was spending most of our money in Asda, we all know that one, I’ll just nip in to get some milk, next minute the cashier is asking for £20 -£30!
We now buy the majority of our bread, milk & basics at the local shop, very rarely do we pick something extra up & even if we do it will only be a couple of pounds. Walking there uses no fuel, don’t take a bag, because you have to think “can I carry it home”. Once you’ve miscalculated a couple of times how much something weighs & you’ve struggled to get it home, you soon get used to not picking much up.
We also spend more money in Aldi & other shops than we used to, than when we shopped at Asda, so saving more. Infact, we haven’t been to Asda at all this last month, apart from to put diesel in the car & with walking to the local shops, we didn’t need as much of that either.
Have you any money saving tips that you would like to share?
Leave your tips below.
You can also enter our giveaways, save buying yourself a treat & win it!