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Thrifty

The rewards of being careful with money #thrifty

If you’re careful with money and are thrifty and try to shop around as well as being frugal, you can save quite a lot of money. The rewards over the long-term come as an appreciating bank account but you also have to look at how to invest your money. Since 2011 I’ve been getting good returns from Zopa and I still get over 4% which beats any bank account. My rewards for being careful are more evident now as I can afford to spend more money of a few luxuries but I still ask if I really need a product before I buy it. I bought a smart TV and other things this year and my credit card got a lot more use, but I paid it off at the end of each month.

The rewards of being thrifty

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Inflation: good news or bad news? #thrifty

It seems likely that in the new year prices of essentials like gas and electricity will increase as well as imported food. The US dollar is the international reserve currency and is used for international trade. The pound has been devalued against the dollar. Last November the pound bought $1.60, now it buys just $1.24. While food manufacturers try to absorb the extra cost, energy providers will eventually pass the cost on to us the consumers. Higher interest rates and a depreciating currency will drive inflation.

 inflation in 2017?

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Style never goes out of fashion #thrifty

It can cost a fortune to be a dedicated follower of fashion. Many people want a look that is associated with something considered fashionable. However, we can often achieve the same look, essentially the same style, without breaking the bank. It is the overall look that is important not the detail. I take photos and those expensive designer labels can’t be read or identified in the photos, it is the overall look that is seen. Your taste in clothes says something about you. So think about the style and also about colours. Depressed people and negative people tend to wear black and dark colours more than the light and bright colours.

style without following fashion

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Importing directly to save money #thrifty

Many international companies now advertise on Ebay and sell through Amazon. You can save a lot of money by importing direct from places like Hong Kong and China. Some of the firms even have a UK warehouse for returns and a UK telephone number for enquiries. The pound has fallen since the Brexit vote so you don’t save so much now but I bought a new hat for a few quid via Amazon and it is great quality. It was sent directly from Shanghai!

importing

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The real cost of the goods we buy. #thrifty

It can be easy to spend money without much thought, especially if you’re using a debit or credit card, but spending money has an impact on our future and on the environment. It is a good idea to stop and think about the real cost of the goods we buy and look for value for money. Not just for ourselves, but for future generations that will have to live with climate change caused by our excessive consumption.

the real cost of the goods we buy

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Gluten-free means higher prices #thrifty

I wanted some cornflakes last week and the Nestle ones weren’t on the usual shelf. I found them in the very short free-from section in Asda. They were of course much more expensive than the usual Asda ones. This made me annoyed enough to do some checks and found the Asda, Chosen by You, cornflakes listed in my food list as gluten- free. They are not gluten-free according to Asda who say they contain barley. Asda does their own gluten-free cornflakes that are a smaller box and work out even more expensive than the Nestle cornflakes. Confused? Me too. I went to Aldi for the soya milk to pour over them…

products for gluten-free diet

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The financial cost of reciprocity #thrifty

In social psychology, reciprocity is a social rule that says people should repay, in kind, what another person has provided for them; that is, people give back (reciprocate) the kind of treatment they have received from another. By virtue of the rule of reciprocity, people are obligated to repay favours, gifts, invitations, etc. in the future.

reciprocity

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Online shopping for bargains #thrifty

Bargains online

One of the first things I check before shopping online is the delivery costs. I checked out Home Bargains this morning and their delivery costs seemed reasonable but large items cost 7.99 to deliver so consider that before you order. There is only one parcel charge per order but realise your order could be split into two parcels, that is true for other online suppliers too.

online shopping

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Affording a little luxury #thrifty

If you are thrifty, then you can save money and at times enjoy the odd luxury, even champagne for a celebration. However, buying champagne needs a little knowledge, you need to still be able to distinguish a good champagne from a cheap champagne. It pays to learn a little about the goods you’re buying and how they are made. For a celebration, I wouldn’t choose a very dry champagne, for example, because it probably wouldn’t be to everyone’s taste. In fact, to save money, I would probably serve champagne cocktails.

luxury

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Price wars and dumping #thrifty

Price wars

The price wars between supermarkets continue to hold the prices of many basic foods down as the big supermarket chains try to hold on to their market share against stiff competition from discounters. Some products just get dumped into the market for various reasons; sometimes they aren’t very popular or supply outstrips demand. This applies to special buys in the discounters and also to many offers in the pound shops.

price wars

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Searching online for bargains #thrifty

Searching online for bargains

You can find lots of bargains online but you don’t have to buy online. You can find the bargain and then go to the store to check out the quality or see what else is on offer. Searching online for bargains can save you pounds!

 Searching online for bargains
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Should children be taught life management skills?

When I was a child, girls were taught ‘domestic science’, a fancy name for cookery and boys were taught woodwork and here in the Black Country, we were often taught metalwork too. Many people these days can’t cook and don’t know one end of a screwdriver from the other. Should children be taught life management skills at school, that includes basic cooking and how to look after their finances?

life management skills

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The value of money #thrifty

Many people shop with little thought about what things cost. They don’t check or compare prices and feel they are just entitled to things. They also don’t think about people who are less fortunate than themselves. We can actually take money for granted and then we don’t appreciate the value of money.

value of money

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Habitual savings #thrifty

We are creatures of habit and marketing people rely on this to sell us products and services. We can make this habitual tendency work for us, though. If we make comparing prices habitual it can save us money, not only on our weekly grocery shop but on more expensive items like car insurance.

habitual savings

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Cooking up some savings #thrifty

You don’t have to do much cooking when we have summer weather, but here in the heart of England, the rain has returned. The forecast for the weekend is better and so the salad days may return. In Aldi this week the iceberg lettuce, spring onions, celery  and radishes are just 29p each so a healthy salad might be on the menu this weekend.

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Are food prices set to rise? #thrifty

The economy is still recovering from the Brexit vote, but the pound is still down. There is still a glut of oil worldwide and so we can expect rising food prices just like in 2008 but at least this time petrol prices shouldn’t go up too much. It’s not only imported food that could rise in price but home produced food too as farmers face rising costs. The rising prices could be offset by the supermarket price war, but they won’t be cutting prices across the board.

food prices

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Look after the pennies #thrifty

The old adage, look after the pennies and the pounds will look after themselves was true when there were 240 pennies to the pound and it is still true today. Those small savings add up and add to the discretionary income that you have left after buying all the essentials. That is the money you have to spend on luxuries and a little penny-pinching can mean you have twice as much to spend on enjoying yourself.

Thrifty Thursday - look after the pennies

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Summer savings #thrifty #summer

Summer savings on clothing

I did some laundry this morning, so I have clean tee shirts for the weekend. In the hot weather, we not only need to change our clothes often but also be careful about colours. Lighter colours reflect the sun and so we keep cooler. I bought 3 black tee shirts for £9 not long ago, but I won’t be wearing them this weather. You can make summer savings on clothing by shopping at discount stores like Matalan, they have basic tee shirts for around £4 or more stylish one cost a little more.

summer savings

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Price wars? #thrifty

Food and energy

Food and energy prices soared after the 2008 credit crunch and we are likely to see the same now the markets are in turmoil again. It’s is a good time to look at how you can save money on energy bills, food and travel costs. Remember when petrol and diesel prices soared and came close to 150 a litre? Price wars between filling stations have reduced prices but for how long?

price wars

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Summer days #thrifty

We are a week into summer and you can, not only find cheap days out, you can find totally free days out. The cost of transport will probably be your greatest expense. Look for summer days out in your community. I went to a great open mic evening at my local library and took photos on Tuesday.

summer days out

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Invest and save #thrifty

Multi buys

There are lots of ways to invest and save money. Multi-buys is just one way. In the big supermarkets they often offer three chickens for £10 and offers like that. If you can cook one and freeze the other two, you can save money.

invest and save

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More lies and statistics #thrifty

Why do we shop around and try to save money? Why do we invest and try to increase our investment and savings income? Are we right to feel financially insecure? Judging by the lies and more lies being bandied about in the run-up to the European referendum we are right to be worried.

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Value hunting #thrifty

value hunting on a Thursday

I like a bargain, but mostly I look for good value. Value hunting is a skill that means learning about materials and the way things are made. I check for the quality of fabric and look at how good stitching is. I also check the quality of steel and plastics. Plastics can be quite brittle on some cheap consumer good as break easily. Plastics used for quality cameras will usually take quite a knock. Value hunting means looking for quality at an affordable price.  (more…)


Online bargains #thrifty

online bargains can save you a trip to the store

Finding online bargains is fairly easy, just search using Google or go straight to eBay and see if they have what you want. You can find all sorts of bargains but you have to be careful, particularly with private sellers. (more…)

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