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!
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.
Another year of blogging draws to a close and I write the last post. It was an interesting year as I developed a role as a community writer and photographer. More photographer than writer. Maybe people will need my writing skills more in 2017 and if I’m lucky my art might be appreciated more. As 2016 ends I am framing photos and people actually want to buy them!
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 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.
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 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.
I’ve been checking out different supermarkets to see if the price war between them is making any difference. This week I went to Morrison’s and things don’t seem to to have changed very much. (more…)
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…)
A Walk in the park
They have recently opened a new leisure centre complete with gym where I live and people are paying for membership to get exercise. You can do that by taking a walk in the park where there is also exercise equipment. (more…)
If you want to save money then cooking your own food is an obvious money saver. When you buy takeaway food or have a meal in a cafe or restaurant, you are paying someone else to do something you could do yourself. On top of that, 20% VAT is added. The same applies to drinks like coffee. (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…)
The big supermarkets have been trying to fight back against the discounters and Aldi in particular, but now Aldi is fighting back with a revamped website and more offers in store. (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…)
It’s Christmas Eve and all my Christmas shopping is done! This is a good time to think about those New Year resolutions and if affording Christmas has been a struggle then you need to make some thrifty and frugal resolutions. (more…)
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…)
I had another good weekend, going to events. I went to a community project and photographed a model railway, then on to West Bromwich Manor House on Saturday. Then on Saturday night I went to a Big up the Black Country Event and photographed some local performers. (more…)
Here in the Black Country there are lots of free summer events, because it’s the Black Country Festival for the whole month. It was Wednesbury Carnival last weekend and I took lots of photos, capturing the memories. (more…)
This week, I’ve done a price comparison between Aldi and my local convenience store. It’s unsurprising that Aldi was cheaper, using the local store would add around 20% to my shopping bill. For people without transport this could be a problem. (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