We can save a little money here and there all year around. I recently bought a new phone after dropping mine trying to donate to the local food bank. I found the phone I wanted at Giff Giff for £120 less than I would have paid at Amazon or local retailers. £120 saving is a lot! I put that on my credit card and also on this month’s bill was the renewal on the web space for this site! I negotiated a discount of over £100 on that too. I still have a huge credit card bill to pay this month, but I saved £220 on my frugal February credit card bill!
If you’re on a low income it is actually easier to double your standard of living than if you’re on a higher income. First you need to do a little bookkeeping and identify your sources of income and what you spend it on. (more…)
I still haven’t bought any Christmas presents, but I’m looking out for suitable gifts. Many prices will go up closer to Christmas, so you can save money by getting your presents early. One idea is to buy a few smaller gifts and put them in a gift bag. You can get the gift bags from Poundland. (more…)
It’s too early to predict the full result of the general election, but it seems likely that the Conservatives will have a thin majority. We can expect more austerity and cuts, so how will that affect investments? (more…)
The weather is getting colder and wetter in the UK as winter approaches. My house is fairly warm relative to the temperature outside. Einstein knew the importance of relativity. If we were all the same height, there would be no tall people or any short people. We are only short or tall relative to others. (more…)
How can we save money at Christmas? It’s an expensive time of year, with Christmas gifts and celebrations to buy for. We can add value to our gifts by wrapping them well and making them look good. (more…)
A featured post by Lily Donaldson (Lily is a writer in the United States)
Are They Too Good To Be True…?
Black Friday, a US shopping tradition is something that is now filtering through to the UK. It’s seen as the real start to Christmas shopping across the pond and typically starts the day after Thanksgiving has concluded. This year, in the UK, it begins on November 28th. Cyber Monday is the shopping event that takes place solely online on the Monday after this (confused yet?) so in the UK, it will occur this year on 1st December. (more…)
We all would like to save more money, but find it difficult. We often see something as essential when they’re really luxuries. Housing is an essential, but are we spending more than we need to on it? (more…)
Last week, I wrote about supply and demand within markets. Supply and demand effects all free markets. The housing market in the UK, particularly in the south is seeing rising prices, because demand is high and supply is low. (more…)
In the UK, we had George Osborne deliver his budget this week. We still have a class ridden society. The middle classes are termed ‘aspiring classes’ or some such nonsense, but it’s still a upper, middle and working class society. (more…)
There’s a lot of speculation in the financial press about when or if interest rates will rise. The Bank of England issued ‘forward guidance’ that suggested that rates might be increased when the figure for unemployment is down to 7% and it’s close to that now. These figures are ‘seasonally adjusted, so spring could change that figure and the forward guidance is just that; guidance, not a certainty.
I designed this fun certificate in less than 10 minutes using PhotoScape. You can print certificates and Diplomas like this to give as presents and frame them in a cheap frame (from Poundland). It is cheap and it’s personalised. (more…)
Like it or not, we all have an image and most people care about their image. It makes us dress smarter for a night out or to the office and influences many of the purchases that we make. The marketing departments of successful companies know this. Do we need to spend a lot of money pandering to our own vanity? Do we need a posh home? Do we need the decorations and Christmas tree at Christmas? Do we need posh clothing? Do we need all the adornments?
Our standard of living is usually determined by how much stuff we can buy. Many of the things are essentials like water, food, a place to live and clothing. I suppose many people would regard other things like telecommunication and transport as essential too. It’s the things that we buy with the money left over after we’re bought the essentials, that we seem to enjoy the most.
There are lots of places to go for a picnic where I live in England. This park is a good place, because they have tables with benches. Notice the litter bin on the left too. Use it! You don’t need a picnic basket, but they are useful if there is a few of you. You can make the picnic simple or go for caviar and champagne.
Large companies know how to sell, they have whole marketing departments dedicated to selling their products and services. They have all kinds of devices and tricks to make us part with our money. We can use some of those tricks to sell stuff too! It doesn’t matter whether you’re selling crafts or your used car.
I answered my phone this morning. This is unusual for me, I usually leave the calls to go to my answering machine, because of nuisance calls that could be dealt with easily; but aren’t, because they make money for the telecom companies. It was from TalkTalk.
I read about a Lord this week who tried to live on a pound a day for food. He tried to do it for five days. That isn’t too difficult if you’re healthy and can eat anything. It’s only five days.
Food prices keep going up and so we not only have to shop around and look for bargains, we have to do some frugal cooking. Egg and chips is one of my favourite meals. You can get eggs with the little lion on from most supermarkets for about 1.35 for 15. In Aldi, I buy those crinkle cut oven chips for 99p a bag. So I cook a meal for less than 50p.
You don’t really need more food when it’s cold, but you need different foods to help you to keep warm. If money is short, what can you give your family to eat that’s frugal and will help keep out the cold? I have a few ideas…
A lot of people are going to be struggling because of government cuts. The Welfare Benefits Uprating Bill, will keep benefit rises to 1% for three years from next April. This will hit a lot of people and save the government a couple of billion a year. That’s a lot of money. Not as much as the 12 billions the Olympics cost, but still a lot of money.
The supermarkets where I live are very busy and people are stocking up on food and booze. I have had enquiries about Christmas openings, but most supermarkets don’t seem to have them on their websites yet. Usually they are closed Christmas Day and Boxing Day; except for Asda who usually open on Boxing Day. I’ll do an update if I find out the opening times.