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Frugal February savings #thrifty #frugal

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!

Frugal February

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Interest rates and the markets #investments

Interest rates

I’m watching interest rates around the world. It seems the Federal Reserve will be the first to normalise interest rates. It could be as early as next month but many pundits are betting on December. That could be the trigger for other central banks to raise their rates too. It would certainly have an effect on the value of the US dollar as more money would be invested in the US as international investors look for better returns on their funds. That, in turn, would have a negative effect on other currencies including the GBP.

interest rates

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Predictions for 2016 #finance

We can never be sure what the future will hold, but I think this will be the year when inflation starts to creep up again. Competition in many areas such as the supermarkets was fierce in 2015. The oil companies had to compete too with a glut of oil and that is seeing producers with higher costs disappearing. The world economy has seen tight money and increasing competition. (more…)


Autumn and winter #thrifty

The autumn starts in a few days in Britain and so we have to think about saving money through autumn and winter.  Food that is suitable for colder weather like soups and stews can save money because they require cheaper cuts of meat or even no meat at all. (more…)


Surviving Christmas

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.

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The new shopper

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Image: FreeDigitalPhotos.net

A guest blog by Fairy Dharawat

To study what influences the shopper of today is difficult. This has a lot to do  with the many different categories of shoppers. Some categories are not even identified, but they exist in our world of retail. The wanderer shopper is one who has no need to come to the store, but comes rather for the feel of a community. The impulsive shopper is one who visits and buys products on a whim. (more…)


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