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 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.
Online shopping can save you money and you can even buy from overseas. I’ve saved hundreds of pounds on my camera and lenses. You can also shop around for energy deals and insurance deals on a comparison site. (more…)
Many people are thinking about buying food, drinks and presents for Christmas now with only 32 days to go. But what about after Christmas? If we shop around and try to save money now, we will have an easier time trying to pay bills next year. You might cut down on the food, we all tend to eat too much.
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
The Aldi super-six this week are chantenay carrots (500g), white cabbage, little gem lettuce (2), spring onions, lemons (3) and celery. They are all 49p each. If you’re making a winter soup or stew you can add the carrots, white cabbage or the celery. White cabbage and celery give a stew a nice flavour.
The super-six at Aldi this week are; parsnips (500g), avocado, new potatoes (750g), button mushrooms (150g), red onions (1kg) and butternut squash. They are all 49p each. The same as last week. I think I’ll have more parsnips and cook a warming winter stew. I’ve been clearing snow, I need warming food! (more…)
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.
Making New Year resolutions is a good idea, because you are setting goals for the future. You want to do something useful with the rest of your life. Don’t you? With 2 weeks left before the New Year starts now is the time to think about those resolutions and what you want to achieve in 2013.
I went out to pay my window cleaner and took this misty photograph, winter is certainly here now. My car was encased in ice. It will soon be Christmas and despite the recession many of us have a lot to be grateful for. There are many people worse off too, not being able to provide for their children this Christmas.
I had to buy a new computer earlier this year when my hard drive died, that was unexpected. I’ve had a few more unexpected expenses this year and then the usual heavy bills come in at the end of the year. I’ve coped, but many people don’t and that’s when that high interest pay-day loan can be tempting. Over a million people in the UK resort to pay-day loans every month.