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Old Dec 18th, 2016, 07:04 AM   21
Midnight_Fairy
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I need to sell some bits on ebay too.



 
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Old Dec 18th, 2016, 07:38 AM   22
babycrazy1706
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Get a giff gaff sim. I pay 7.50 a month and use my iPhone, you can change the plan monthly depending on what you need.

SHOP AT ALDI! Saves heaps!

Save every 2 coin you get. I have nearly 80 just from doing that for a few months

I buy gifts throughout the year when I see a bargain and have a present box in my wardrobe to keep them all in, I even put our unwanted gifts in there and give them back out.

Following for more tips xx



 
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Old Dec 18th, 2016, 07:40 AM   23
Bevziibubble
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Great ideas



 
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Old Dec 18th, 2016, 15:02 PM   24
topsy
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I buy the 5 for 1 cards for birthday cards from card factory.

I am going to try and get some Christmas cards in the sales this year.

Xxxx



 
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Old Dec 18th, 2016, 15:15 PM   25
babycrazy1706
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I just don't send Xmas cards lol

And I buy the 10 for 1 birthday cards. Cheap skate



 
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Old Dec 18th, 2016, 16:39 PM   26
catty
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Im good at being frugal with food shopping and daily spending but im terrible at spending too much on bdays and xmas for people and generally being a little overly generous. I buy what i cant afford because 'they deserve it' and on looking through my credit card id say for the last 3 years or so iv maxed a credit card buying people gifts (a small limit credit card nothing extreme) but how terrible is that!!
Bdays, weddings, new baby gifts, christenings, new house gifts, engagement presents they all pop up and not in my monthly budget so there i am chucking them on the cc.

Anyway id say i spend around 50pw in lidl that includes, meat, nappies, toilet roll etc etc when i shopped in tesco, asda i was spending easily 80 as i kept throwing in extras like pjamas.

Take cash out for each week and try and stick to it.

Look through the month and set aside money for any nights out, kids activities, that way its not a shock when it crops up.

Il be following as im on maternity leave and now have 3 kiddies less money but more expenses.



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Old Dec 19th, 2016, 10:27 AM   27
LoraLoo
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Im not sure if it's been mentioned and im too lazy to look back, but lloyds tsb do a 'save the change' savings acc which I used to love, I don't bank with them now though.

Basically, if you se your card either in store or online, t rounds it up the the and pus the difference in our savings. So, say you spent 5.64 in a shop- itd take another 36p from your acc and put it in your savings. Always got a few bob from it 👍



 
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Old Dec 19th, 2016, 11:23 AM   28
topsy
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^^that sounds like a good idea wish my bank did that! Xxx



 
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Old Dec 19th, 2016, 11:26 AM   29
Bevziibubble
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That sounds great!



 
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Old Dec 19th, 2016, 11:27 AM   30
topsy
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Not that anyone would want to do it as mortgages are stressful. But we just got 250 cash back for staying with nationwide when we renewed our mortgage in Dec with them 125 is going on holiday money and 125 is going on doing up the house. So the money already spent. Xxx



 
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