With the falling value of the pound, the prices of many foods are rising. Is it time to look at our food bill and try to trim them a little? There are more prices rises in the pipeline and so even if we aren’t feeling the pinch now, we soon will be. As always, we should be looking for value for money.
A lot of people have spent too much at Christmas and now find themselves short of money in January. What can you do now? Obviously, you can cut down on luxuries or even cut them out altogether. The idea of giving up alcohol for January is appealing to many people for health reasons and to save money. If money is really tight, you need to be frugal as well as being a thrifty shopper.
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.
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.
We all like a little luxury, a nice meal or fashionable clothes. When we go to a posh restaurant, what is it we are actually paying for? We pay not just for food but for an experience. We can create our own ‘experience’ for a lot less. (more…)
Free day out
I went to two local nature reserves on Sunday and apart from the cost of getting there, it was a free day out. I sometimes take a drink and you can take food and have a picnic. Now the weather is improving I will go out more. (more…)
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…)
You might think that the government, the banks and the global business community know what they’re doing with all the supercomputers and experience they have. You only look at government and the banks and you will know that they can mess up big time and we the people pay for it. (more…)
Thrifty people are thrifty out of habit and always look for value for money. This doesn’t always mean buying something because it’s cheap, it means always looking to value. The old saying ‘look after the pennies and the pounds will look after themselves’, means all those pennies you save add up. (more…)
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.
I read this week that people forget where they spent their money. You look in your wallet or purse and suddenly it’s all gone and payday is still some way off. Many people can’t last until payday and even then, if disaster strikes they can’t last long without money
This weeks super-six at Aldi are Kiwis (6), peaches (4/5), Galia melon, Romaine lettuce (2), tomatoes (6) and new potatoes (750g). They are all 69p each. The peaches from Aldi are delicious. I had 400g of grapes last week, that’s smaller pack but cheaper! Lots of packs are getting smaller these days…
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.
I wrote about motoring costs in last week’s thrifty blog, but my drive down the motorway got me thinking. I sometimes use Google maps to plan a journey and that can save you time and fuel. My journey on Sunday according to Google maps was 12.8 miles and should take about 20 minutes. It took less than that because it was Sunday and so it didn’t seem far. However, I came back on the ‘A’ roads and that didn’t seem too far either. When I checked the shortest route is just 4.3 miles and it should be quicker! On a Sunday it would have been quicker, but on a weekday perhaps not, going through town. You can click that link to Google maps to see what I mean.
I went to Matalan yesterday and they are surviving the recession well, because people can’t afford the more expensive places. If you go to their website, you’ll see a link to ‘Become an Affiliate Partner’ at the bottom of their web page. I could be a a Matalan affiliate and have a link in the side bar of my blog to their website. If someone then clicks the link and spends money, I get a commission of 5%. I do have one affiliate link in the sidebar to Zopa, but I don’t want more just yet. There are lots of websites that want affiliates and I could also put advertising in the sidebar and at the bottom of the blog. I can also insert links into the blogs like I just did with Zopa. I can even put an advert at the end of each blog. This is one way of starting a money making business. (more…)
We had the budget speech yesterday in the UK. There wasn’t much to get excited about; I was more interested in what he left out, than what he actually said. We still have to be thrifty and watch out for the bargains. I read that some people buy the essentials like food and invest any money left over and some people invest their money and if there is any left over; buy food! That’s a bit extreme, but I am still watching out for more shares to buy. (more…)
I learned this morning how many people read my blog and in which countries; I was surprised to learn in how many different countries. I have to be honest there were a few, that were unfamiliar! In the UK, later this month, the Chancellor of the Exchequer will present his budget for the coming year. We too have to budget and be careful with our money wherever we live in the world. This is a matter of understanding money and setting priorities; essentials are more important that luxuries and then keeping proper accounts.
Grow your own
It seems a little early for thinking about growing your own in the garden, but you can at least prepare and plan. I have seen seeds for growing salad and root vegetables on offer for just 39p a packet at Aldi and Poundland have offers too. Getting our 5 portions of fruit and veg a day is getting more expensive. We can look for the bargains, the carrots are just 39p a kilo at Aldi this weekend and ideal for winter soups, stews and casseroles. They are still worth growing though! (more…)
For this stir fry, I cooked the chicken in sunflower oil until it became white, then added thinly sliced red onion and the cooked rice and cooked for a few minutes. Then add the peas, soya sauce and 5 spice. It was exotic, tasty and didn’t cost much! There are lots of other meals using staple foods like rice, bread and potatoes. (more…)