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Posts tagged “Thrifty

Splash the cash? #Thrifty #Frugal

Splash the cash? Yes, even though I watch the pennies and watch the pounds I do sometimes splash the cash on something expensive. This involves parting with large amounts of money without an anaesthetic. Believe me, I have needed a bit of pain relief just lately. I changed my car and that was more expensive than I had expected and this week I had the awful experience of changing my insurance. I was insured with the AA who were very nice about losing my custom. I switched to Saga via a price comparison site. I decided to have the breakdown cover but would have preferred to stay with the AA. I had the home-start before but now I have a car a couple of years old instead of 20 years old. I didn’t bother with that. When I rang the AA they said they would have cut the price for me and done a cheaper deal. It was too bloody late by then!

splash the cash?

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The changing face of money #thrifty

I went to a meeting last night and it happened to be in a club with a bar so I had a pint. That’s three times this week that I’ve actually parted with cash. The days of money being slips of paper and metal coins seem to be coming slowly to an end. Earlier in the week, I did my food shopping and paid with my debit card and I used cash to pay the window cleaner yesterday. With a purchase that I made in a small shop earlier in the week, that is only four times I’ve used money this week. It makes it so much easier to keep track of where the money goes. The changing face of money, moving from cash to cards, helps us to keep track of where our money goes.

the changing face of money

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Coping with rising prices #thrifty #frugal

The falling value of the pound has meant many prices have increased since the Brexit vote. The price of imported food has gone up and so too has the price of clothing. Coping with rising prices if you’re on a fixed or low-income can be difficult.

coping with rising prices
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Looking for value for money #thrifty #ideas

I recently changed my car and the new one has lots of new gadgets. I like the display that tells me how many miles to the gallon I’m getting. It reads 99 MPG when I’m rolling downhill in 5th gear! I paid cash for the car and so my bank balance isn’t quite as healthy as it was, so I’m thinking even more about getting value for money, than usual.

value for money

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Learning from the vegetarian #thrifty #ideas

It is National Vegetarian week in the UK. I’m not a vegetarian, I like eating meat but we can learn from the vegetarian lifestyle that we don’t need to eat so much meat and still stay healthy. Some would say healthier! My main problem with being a vegetarian is getting enough protein because I can’t have gluten or dairy.

vegetarian ideas

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Saving on the big bills #thrifty

The maxim, ‘look after the pennies and the pounds will take care of themselves’ is still true but we also need to look at the big picture. We need to keep household accounts and look at the big bills that occur only occasionally. The big bills can be the water bill once a year or changing the car every few years.

big bills

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Food ideas to save money #thrifty

People want more than just food to satisfy hunger these days. they want an experience and that is one of the reasons that eating out has grown massively over the years. Barbecues have become popular for entertaining at home and turning it into an event. You can do other events at home that are cheaper than eating out, all you need to do is think laterally for interesting food ideas.

Thrifty food ideas

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How to cheat and save money #thrifty

We often see very expensive products and want them for the prestige or just to fit in. It can be anything, an expensive car to impress at an event or designer clothes. It is always possible to cheat and create an impression that looks expensive but isn’t. We need to forget labels, a label doesn’t guarantee style. People who select clothing based on the label do so because they have no sense of style. It can be useful to just look around a website that sells the latest fashions and then decide on the look you want to create and then you can cheat. The way to cheat is to go to the budget websites like Matalan or Primark and look for the same style or a very similar style and create the look you want on a budget. I did this for a vintage event. I thought a linen suit would look good with a suitable hat. I ended up with chinos and a linen shirt from Matalan and a summer trilby. I got the look but I did cheat!

thrifty cheat

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Socialising and days out on a budget #thrifty

We all like to go out and socialise and meet our friends and new people too, but it can be expensive. We can cut the cost by trying to get value for money and resist the temptation to buy food when we smell the onions or see other people enjoying hot dogs at a popular event. Taking out the sandwiches that you prepared earlier doesn’t have much appeal in comparison to the delicious food offered by the vendors. We do have to live within a budget, though, so we can still do some socialising and limit the amount of food and drink we buy while we’re out.

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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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Hacking your food bill to save money #thrifty

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.

hacking our food bill

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Short of money in January? #thrifty #frugal

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.

short of money?

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The last post of 2016 #blogging

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!

last post of 2016

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The value of money #thrifty

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.

value of money

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Are food prices set to rise? #thrifty

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.

food prices

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Look after the pennies #thrifty

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.

Thrifty Thursday - look after the pennies

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Summer days #thrifty

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.

summer days out

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Price war #thrifty

Price war

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…)


Luxury for less

luxury for less

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 #thrifty

Free day out

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 #thrifty

A walk in the park is free

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…)


Cooking and taste #thrifty

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…)


How to double your standard of living #thrifty

Thrifty Thursday Aldi save money

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…)


There may be trouble ahead…

Thrifty Thursday

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…)


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