Could We Save £100 This Month?

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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 BillsBills

We’ve already had a water meter fitted & save over £40 a month.  You can read about it herehere. 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.

Go Compare

Car Insurance

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?

Shopping

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.

Eating In

friends-eating-breakfast

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

euro-money-finance-save-cent-coins(1)

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.

Make Plans

Special Offer

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.

Coffee Time

coffee-drink-beverage-consume-devour-cup-people

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

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!

Nanna Jane

All Photos via VisualHunt Special Offer
Photo credit: mira66 via VisualHunt

17 Thoughts to “Could We Save £100 This Month?”

  1. Becster

    I am the worst at checking what we spend on. I have a monthly spreadsheet I try to complete but urgh it’s awful to keep up to date… I’m too busy doing other people’s accounts!

  2. Ashleigh Allan

    Great post. I need to try and reduce my spend on coffee

  3. Heather cain

    We have drastically reduced our monthly outgoings. The main saving has been getting rid of sky tv. We kept the broadband and i managed to get that for half price for a year, and we kept the phoneline for the broadband as we cant get proper fibreoptic here. We realised that in all honesty with ourselves, we didnt watch that much on Sky, mostly we were watching terrestrial tv. So we saved £40 a month straight off there. We will have enough by the end of this year to pay our mortgage off, as we had already saved hard to pay off a good bit of it this year, reducing our monthly outgoings by about £90 a month leaving us with just £140 a month at the moment. As we will pay that off, we decided that the £8 life insurance isnt worth paying any more for that short time and small amount of mortgage left. I reduced the electric/gas monthly paymentts by £50 amonth from when we moved here 5 years ago, bit by bit by constantly updating with Scottish power who really seem to be the cheapest. So all in all we are able with these savings to really save hard to pay our mortgage off by November.

    1. Nanna-Jane

      Well done. We managed to get a great deal on Sky TV it is a luxury but as we both don’t drink, smoke, have expensive hobbies or anything like that it’s something we allow ourselves.

      Good luck on paying your mortgage off, so impressed. Jane x

  4. Margaret Gallagher

    Just checkingvback to see how you are doing
    Im managing to save quite a bit x

    1. Nanna-Jane

      Managed to get a good deal with our basic package from Sky, so saved some more money. x

  5. Margaret Gallagher

    Been putting stuff on ebay today – I’m well on my way to saving ££££ this month

  6. kate m jones

    Brilliant Blog, some ideas to really think about, Thanks! x

    1. Nanna-Jane

      Hope we gave you some idea’s. Any money you can save is better in your pockets than big business’s in our view. x Jane

  7. Margaret Gallagher

    Now started taking a flask to the park -seem to be there so often it’s an ideal money saver

    1. Nanna-Jane

      Good idea. Nice warm drink when you need it. x Jane

  8. Margaret Gallagher

    Great advice
    I’m quite good at doing this as of I don’t have the funds available I simply don’t get it
    We are eating in and saving a fortune -still get 1 takeaway a month -christmas will soon be here

    1. Nanna-Jane

      Oh Don’t mention the C word Margaret, it will be here sooner than we think. x Jane

      1. Margaret Gallagher

        I very been preparing since last Christmas-surprising what you can get in the sales and with discount /voucher sites

  9. Samantha O'D

    I have always been a saver. always looking for ways to save more

    1. Nanna-Jane

      Let us know if you have any tips to pass on Samantha. x Jane

  10. Maya Russell

    My tip is to visit charity shops where you can pick up nice clothes for a fraction of the new cost. Also if you need kitchen items they are really good too – recently I picked up two beautiful pie dishes, again for a fraction of what they would have cost new. We also regularly drop things off too, especially toys!

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