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Cost of living

Stretching your budget? Share tips and advice to discuss budgeting and energy saving here. For the latest deals and discounts, sign up for Mumsnet Moneysaver emails.

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Come tell me your top three tips for saving money that work for you please

124 replies

graceinabundance · 24/04/2012 23:20

trying to learn, in this must needed area Grin

Waiting with baited breath Grin

Heres my 3:

  1. I go to hotukdeals and check if there are any bargains if I need something in particular (ie have a wedding coming up and need to buy a gift)
  1. Have started to shop in Lidl / Aldi - learning whats good there (any recommendations most welcome!)
  1. I have started a budget sheet (wish me luck!)
OP posts:
JazzAnnNonMouse · 24/04/2012 23:23

Poundland - though be wary of things that in other shops cost under a pound!
They do have good deals though like a big pack of flash wipes :)

Check eBay first

Join free groups on Facebook or freecycle

JazzAnnNonMouse · 24/04/2012 23:25

Groupon

Wilkinsons

Have more than one bank account so you know that your bills etc are taken care of and what's left is yours to burn.

Never bet money you can't afford to throw away.

alizee · 24/04/2012 23:28

www.approvedfood.co.uk/

some people are a bit funny about food past their best before date. I don't care, it's great for a lot of things :)

heliumballoon · 24/04/2012 23:34

Swishing/ swapping/ borrowing clothes, accessories etc from friends.
Charity shops/ jumble sales for baby and children's clothes.
Get rid of the car and hire through zipcar if it is in your area and you don't use your car much.

graceinabundance · 24/04/2012 23:35

ooh, Ill look

keep em coming.....

OP posts:
JazzAnnNonMouse · 24/04/2012 23:35

Alizee oh my god that's amazing!

sayjay · 24/04/2012 23:50

Meal planning
Packed lunches for day trips
Look for free days out type outings with dc....museums, parks etc

BackforGood · 24/04/2012 23:53

Not 'routinely' going back to do all your weekly shop in one place - get used to where various things are cheaper and stock up when you can

Check you are getting the best deal on your utilities / mobile phone / insurances at least once every year. If prices are similar it's usually worth switching through something like Quidco, and they give you cash back.

Walk as much as you can - petrol is soooooooooooo expensive at the moment, and the shorter journeys 'eat' fuel.

bookbird · 25/04/2012 00:05

Use the moneysavingexpert.com website, I,ve made most of my savings on the back of advice from there.

  1. Check your gas and electricity tariffs. If you've not switched recently £££ to be saved.
  1. Switch down one brand on your shopping. You'll rarely notice the difference but can make savings (eg if you buy Heinz beans try one brand lower, don't go more than one brand down though).
  1. Menu plan and only buy what you need.
stressheaderic · 25/04/2012 00:08

Stop using the debit card. Draw out cash weekly and don't let yourself get any more. This way you'll actually take more notice of what you spend. This really worked for me.

signet2012 · 25/04/2012 00:10

Spend all spare time on credit crunch thread found in the money section Blush

70isaLimitNotaTarget · 25/04/2012 00:19

Mine is :
Don't take DC or Dh to supermarket.
Stops alot of impulse buys of clothes, sweets, biscuits and beer.

I buy petrol from Tesco to build up my reward points (for Christmas)

ceeveebee · 25/04/2012 00:31

Shop around for insurance, utilities etc. I saved £179 on car insurance today using money supermarket!

Always look for voucher codes before buying anything online

Do online supermarket shop, you can browse offers, and make sure you don't buy things you don't need (as you are not tempted by seeing them!)

Columbia999 · 25/04/2012 00:32

I joined a site called www.womenfreebies.co.uk and get nice little free goodies in the post just about every week. I've had loads of shampoos and conditioners, face creams, foundations, toothpaste, dishwasher tablets, a shower timer, tea bags, coffee samples, a big variety of stuff. Usually the samples come with a money off voucher as well. They send an email every couple of days with the latest freebies, and there's nearly always something to send off for. Another good one is www.supersavvyme.co.uk

WMDinthekitchen · 25/04/2012 00:42

I put the heating on when I wake up, not by using the timer, and the same again when I get home from work. Take a packed lunch every day. Shop around, use charity shops, eat less meat, go to the supermarket late in the day for foods that have reached their sell by date, batch cook and freeze meals. Sorry, can't count, that's more than three!

11PlusParent · 25/04/2012 01:27

I use Ecover washing-up liquid to clean the whole house, instead of buying individual cleaning products and its does the job brilliantly. If you've not used it before, it doesn't make as many bubbles, but that's good because you don't end up wasting water to get rid of them.

Best of all I've just discovered you can buy it much cheaper through amazon on their save and subscribe scheme, delivered for free at regular intervals. Is cheaper than supermarket prices!

Try my link through to subscribe page...

elevenplusparent.squarespace.com/display/ShowAmazonList?moduleId=16564318&SSScrollPosition=0

Also,

  • Batch cook
  • Always have a home-cooked curry in the freezer for when you can't be bothered
  • Avoid shops whilst trying to save money
  • Meal plan and shop accordingly
  • Home-made parties - set a budget at £30
  • Hang clothes up to dry rather than tumble-dry
  • Wash mildly soiled clothes on quick rinse wash
  • Take a flask everywhere, packed lunches etc
  • Think of creative ways to support education rather than private tuition
  • Join national trust for cheap / brilliant days out - £45 / £70 for a year's membership

www.nationaltrust.org.uk/membership/?campid=NT070051M1-link&aff=&campid=NT070051M1-link&aff=131906

oops sorry was only supposed to be three things - In which case - Ecover, batch cook and take a flask out!

4aminsomniac · 25/04/2012 04:47

OP asked for good things from Aldi: Bags of frozen salmon and tuna steaks are great, about1/3 the price of other supermarkets. Eggs are good price, and my DH loves their serums as light moisturiser!

My 3 tips- sell your car, shop around for insurance, overpay your mortgage. Last one sounds counter intuitive, but work out the total interest you pay on say £150k over 25 years and you will see what I mean. A cheat one, get DS1 to graduate and get a job, has saved me £££!

NannyPlumIsMyMum · 25/04/2012 05:01

Dear Grace Aldis washing up liquid and dishwasher tablets are Which? best buys.
Lidls Formil washing powder is also a Which? best buy.
I hope this helps !

NannyPlumIsMyMum · 25/04/2012 05:07

Interestingly a review said that ecological products like Ecover were not cost effective ( or ecological because you use more of them).
It suggested that if you wanted to use environmentally products to opt for things White vinegar as a multi surface cleaner ( it has natural antibacterial products but leaves a bit of a smell ! )

On the subject of multi surface cleaners - Asdas own is a best buy above and beyond Flash ...

11PlusParent · 25/04/2012 11:36

I think in my early Ecover days I probably did use more of the product because it felt like I need to generate more bubbles etc, however after using it for 6 years now and through some really skint times it is a brilliant product, easy to have just one product in the house, does a marvellous job on laminate floors too, no streaks and doesn't have that fake smell or greasy feel that other wul's have.

Think I even put some in kids bath in absence of soap a couple of times...please don't judge!

Have considered more organic products like vinegar, but who can be bothered, I'm all for cost-cutting but not at the expense of making life more difficult. Very stinky! False economy and wouldn't work very well in kids bath.

I use ecover non-bio powder for washing and only use half the qty, isn't expensive and does an absolute grand job. No sickly smell, only downside washing can't linger in machine, if you can line dry perfect!

Happy saving everyone, less is more and all that!

Mumsnet is so fun (am new to it), but can't quite believe it's so addictive...

graceinabundance · 25/04/2012 11:51

Im learning lots! keep them coming im writing them all down!

OP posts:
sooperdooper · 25/04/2012 11:54

Buy birthday/Christmas presents through the year when you see things in the sales, and dip into the bag when a birthday comes up - same with Christmas wrapping paper & tags, get them in the January sales and pack them away with the decorations

I know it's not practical for everyone but I've also got rid of my car recently, (well, not replaced it when it died a death) getting a monthly bus pass is less than what I was spending on petrol/parking and all the other car costs

I'm overpaying on the mortgage too, only by £50 a month but everything makes a difference and I'll up it when I can afford it

Grumpystiltskin · 25/04/2012 12:56

Join www.moneysavingexpert.com Their "talk" section is a goldmine.
Sell my car & acquire Wink a bike
Get chickens (outlay ~£60 + £6 every 6 weeks, haven't bought an egg for 3 years)
Drop a brand challenge has saved us £20 a week on supermarket shop.
Quidco

exexe · 25/04/2012 13:24

Sorting out food saves me money. Plan meals and shop for just the stuff you need.
Make bread, cakes and biscuits at home.
Anything else like fruit, yoghurt and snacks just buy whatever is on offer.
Do'nt buy juice, just drink water.
toiletries - I just buy whatever is on offer for shower gels and shampoos.
Buy a bar of soap for hand washing rather than liquid soap. Lasts ages.
I use a bar of soap to wash the kids too (Honey I washed the kids soap from Lush)
Apart from v dirty clothes and underwear, I wash almost everything on a 30min wash.
Use library
Buy birthday presents for kids when you see them on offer. I recently purchased 5 books on making paper airplanes as they were on offer and know that ds1s friends would all love them.

lettingagents · 25/04/2012 13:59

Write down everything you spend, however little the amount. This really makes a difference even if you dont then review it.