Reply
 
LinkBack Thread Tools Search this Thread
Old Dec 19th, 2016, 13:03 PM   31
Midnight_Fairy
Other
BnB Spammer Elite
 
 
Join Date: Oct 2009
Posts: 45,391
Wow that change saver is a good idea x



 
Status: Offline
 
Old Dec 21st, 2016, 18:05 PM   32
fij123
Mum (Mom)
Active BnB Member
 
Join Date: Dec 2016
Posts: 11
There's an app called Moneybox that saves your spare change - e.g if your shop came to 10.70 it would round up, charge you 11 and save the 30p directly into a savings account - quite a cool idea I thought!



Status: Offline
 
Old Dec 22nd, 2016, 01:15 AM   33
Bevziibubble
Mum (Mom)
BnB Legend
 
 
Join Date: Aug 2012
Location: UK ☔
Posts: 98,196
That's a great idea!



 
Status: Offline
 
Old Dec 22nd, 2016, 06:05 AM   34
MindUtopia
Mum (Mom)
BnB Addict
 
 
Join Date: Jan 2012
Location: Dorset, UK
Posts: 9,480
We just don't buy stuff we don't need. I think it really is as simple as really thinking through what you need and what you want.

We do spent probably more than most on food. I would say 500 a month on food, but that includes meals and drinks for when friends come over and we don't eat out, so we prepare breakfast, lunch and dinner and all snacks every day. We might have a rare meal out once every month or two. But I do plan every single meal, at least for myself and then family meals, every week. So I know what I'm having for breakfast on Friday on the Sunday before and I'll make a big batch of stew or something on the weekend to freeze for my lunches during the week. I also try to group meals, so if I need to buy a bag of carrots, I have two meals in the week that use carrots, so none goes to waste. We do have a few unplanned snacks and things we might get for a Saturday evening, but otherwise, the rest of the week is totally planned out and I don't buy extra stuff because it just ends up going in the bin because no one eats it.

We have mobile plans, but they are in the 20 range and we don't insure our phones. I generally think insurance on those sorts of things is a bit of a waste, if you are just careful with it.

We have BT internet, but just freeview, no Sky or anything like that. No Netflix, Amazon Prime, etc. We don't have any pets as I can't justify the cost when we would rather be saving for a house or putting some money away so we could have a weekend away somewhere.

We don't shop for things. I have friends who literally go shopping for clothes and shoes and gadgets every weekend. Like I buy clothes when the old ones get holes or my daughter outgrows them and we have just enough that we can get through a few days before I need to do the wash again. We keep birthdays and Christmas simple with a few friends over and few small presents, but we don't spend like hundreds on it, so never any need to save up for it. Neither of us have credit cards. If we don't have it, we don't spend it, and we have a little bit of a cushion in case something catastrophic happened, like one of our cars broke down or something.

Mostly, our main expenses are, other than rent, nursery as we both work full-time and then food and my commuting costs (my husband is self-employed and largely works from near home, but I have a long commute by train, which isn't cheap). Really we just don't shop or buy things we don't need and though we do spend a lot on food, because I like to buy stuff that's really good quality and we buy lots of wine and stuff when friends come over, I try to batch cook and stretch things out and freeze meals, so we always have something to take for lunch and don't have to buy it. Literally, on my long days at work, I eat breakfast and dinner on the train and lunch at my office and I take it all with me from home, including my coffee, so I don't spend loads on starbucks or whatever. I am literally that person who drags the massive cool bag of frozen meals to work with them! That's really our biggest savings because I'd easily spend 20-30 quid a day otherwise buying 3 meals a day plus coffee on those days.



 
Status: Offline
 
Old Dec 24th, 2016, 23:26 PM   35
topsy
Mum (Mom)
BnB Elite
 
 
Join Date: May 2010
Location: England
Posts: 14,080
I have just bought some bits in the asda and new look sale that can be put away for Birthday and christmas pressies for next yr They were all half price, or less xxxx



 
Status: Offline
 
Old Jan 1st, 2017, 15:12 PM   36
topsy
Mum (Mom)
BnB Elite
 
 
Join Date: May 2010
Location: England
Posts: 14,080
Right I am going to try and spend 200 on shopping in jan 17

0 spent so far

xxxx



 
Status: Offline
 
Old Jan 2nd, 2017, 05:16 AM   37
Bevziibubble
Mum (Mom)
BnB Legend
 
 
Join Date: Aug 2012
Location: UK ☔
Posts: 98,196
Good luck hun



 
Status: Offline
 
Old Jan 2nd, 2017, 05:17 AM   38
Midnight_Fairy
Other
BnB Spammer Elite
 
 
Join Date: Oct 2009
Posts: 45,391
Ive just started a spreadsheet x



 
Status: Offline
 
Old Jan 2nd, 2017, 14:25 PM   39
topsy
Mum (Mom)
BnB Elite
 
 
Join Date: May 2010
Location: England
Posts: 14,080
Well done hun.

0 Spent on food today xxxx



 
Status: Offline
 
Old Jan 4th, 2017, 04:53 AM   40
Eleanor ace
Mum (Mom)
BabyandBump Team
 
 
Join Date: Aug 2010
Location: UK
Posts: 15,220
I love the change rounder idea .
I'm planning to save any 5 notes I get, also gives me an incentive to withdraw cash at the start of the week and pay with that rather than on card, so I can see how much I'm actually spending better.
I find that having a look at what you spend money on and looking at alternatives/ways to make it yourself really helps. From small things, like making up a really big batch of tomato sauce as a base for different dishes instead of buying jars of sauce (if you use jars) or buying a coffee machine and taking a travel mug of nice coffee on the drive to work instead of stopping for a coffee, to big things like taking up running, cycling and sea swimming as an alternative to paying for a gym & swimming pool membership. I'm planning to find more alternatives this year.
We're trying to eat less meat and that should make our meals cheaper too, so going veggie for a couple of meals a week (if you're normally a big meat eater) could help.



 
Status: Offline
 
Reply



Bookmarks

Tags
everyday , money , save , ways , year

Thread Tools Search this Thread
Search this Thread:

Advanced Search



SEO by vBSEO