We know a few people will be looking around for last minute presents before the big day. A little luxury can be a good idea, so buy them something they would like but wouldn’t normally buy. I bought luxury chocolates in Aldi yesterday. I won’t say who they were for! They make a good last minute present and you don’t have to buy a huge box. The same applies to a quality scotch whisky or an unusual but quality ale.
Before you start spending money on Christmas food and presents, consider what the festivities are all about. The religious significance is all but lost as commercialisation overshadows it. There is another meaning for many people. It is a time to take a break and enjoy the company of family and friends. We shouldn’t get stressed out by it and we certainly shouldn’t get into debt in a bid to impress our family and friends. Save money on the food by cutting quantities.This can be difficult because over the festive period much of the subtle and not so subtle marketing will be structured to encourage you to buy more than you need.
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.
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…
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.
Being thrifty isn’t about buying cheap stuff, it’s about getting value for money. Expensive designer clothing is made in the same low-wage countries as the budget clothing. Food might be marked as value, but it might a little less perfect than the more expensive line. You have to use your own judgement when shopping around. (more…)
Kids want to have fun on Halloween, making masks and dressing up. This can be done on a budget and the event can be made more special with seasonal foods. Try making special soups or non-alcoholic cocktails. (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…)