I have a few ideas...any other tips for how to start the year as I mean to go on finance wise!! :)

(40 Posts)

Come on all you frugal mumsneters...
Cc bill is coming down smile
We now have savings in case of emergency (the reason for said cc bill was no savings sad)
I am a bit overdrawn after Xmas blush but only £50 and it's free (no interest charged)
I have set up a Small payment each month I to my savings account so by next Xmas I should have £200 at least smile
In march I can cancel my stupid mobile contract and hope to get that down to £15 a month.
I have some lovely boden skirts I am going to e bay - sadly no longer fit sad
Also have some duplicate dc Xmas gifts I have put away for dc friends b days etc
No more entertaining to do - phew - but jan is a looooong month!
Need tips for keeping food budget down and also NOT spending much in jan...thanks!

OodToSeeTheBackOf2013 Mon 30-Dec-13 10:56:59

Join all of them. If you're in unison they've just launched one too and £10 bonus after you've earnt a set amount.

Hmmm...I will join up!

Fluffycloudland77 Mon 30-Dec-13 10:23:38

There's two tiers of membership. Basic is free but premium etc is £5 a year but offers a higher cashback by a few %.

For people like me it's worth it but I shop online a lot for brands like aveda, I buy my bodyshop hand creams on there etc plus I get my car insurances for £120 for me and £170 for dh via them.

I literally check everything I want to buy on tcb first then compare to quidco because tcb price matches quidco.

Sorry...I am so dense..do you have to pay for joining TCB?

Blimey that's good fluffy!
OTSTBO2013...your nn is just how I feel too sad
I tend to use ocado for groceries and then top up at the local co op so that could be handy...

OodToSeeTheBackOf2013 Mon 30-Dec-13 10:13:47

I need to try harder. £123 was mine from last year.

Fluffycloudland77 Mon 30-Dec-13 10:04:38

It's £36.75 for new pay monthly phones on topcashback at the moment.

Don't sign up for paid membership, get the free membership or a trial of premium then cancel the trial or they charge £5.

I use tcb for insurances etc and the yearly electric supplier change so it all adds up for me. I'm £600 up in a year.

OodToSeeTheBackOf2013 Mon 30-Dec-13 10:01:58

Oh & cash back on phones is quite good too.

OodToSeeTheBackOf2013 Mon 30-Dec-13 10:01:29

You can get groceries though them. Insurances& breakdown cover ones are pretty good. You get bonuses for referring people.
If you want them this is mine feeling cheeky but don't feel obliged
Shop scan and save app can be useful too if you use Co op. got free shortbread before Xmas

I think I will go with that car phone warehouse deal you found fluffy smile
Thank so much.
I do buy a lot online but really only use amazon, and for groceries so not sure it's worth it.
Will have to join for that phone deal though!
I have to post my e bay skirts today smile
£30 up smile

Fluffycloudland77 Mon 30-Dec-13 09:53:26

Amazon is sometimes on quidco but only certain depts though. Yesterday it was DIY that had cashback.

Wrt cashback sites...do amazon use them?
Will end to spend today (boys school shoes and b day gifts) but I'm really hoping that's it.
I have set up a dd to put a small amount into my savings account from 1st feb too and hope to increase the amount to pay for b days/Xmas next year.
Can't wait to get rid of my phone!

Whatnamenext Sun 29-Dec-13 23:19:51

Does anyone actually know what the coverage of ovio is?

It won't show me the map on the mobile site, and I haven't got desktop access at present.

OodToSeeTheBackOf2013 Sun 29-Dec-13 21:46:36

Cash back sites when you buy anything online , save any points from cards towards Xmas, we save all coppers & 5ps and put them in a seperate account towards Xmas.

Cocolepew Sun 29-Dec-13 21:20:30

I put this on another thread but there are good ideas on Pinterest for budgeting etc. Mostly American but still good ideas on planning, making your own cleansing stuff etc.

It's also really good if you buy magazines. I look through Pinterest instead.

tinselina Sun 29-Dec-13 20:22:06

Good deals here too shop.tescomobile.com/mobile-phones/pay-monthly#monthly-min=7&monthly-max=30&minutes-min=100&minutes-max=3000&sort-by=tariff-cost-low

peggyblackett Sun 29-Dec-13 20:02:53

Try FB selling pages for flogging Boden. There are Boden specific pages. Saves you the eBay fees.

Ememem84 Sun 29-Dec-13 19:56:43

I'm not buying any clothes for a while or any new beauty products until I run out.

Were meal planning and using up food before we buy more. Have frozen milk so we'll always have some. Will be using car less. And will be trying to use less energy (already charge up phones iPod bb etc at work....) only heat times were in etc.

Fluffycloudland77 Sun 29-Dec-13 19:48:33

I'm going to contact my mobile provider and see if I can wriggle out of my mobile contract a bit earlier to go with ovivo.

I'm also going to go with ovivo mobile as of next month.
Getting rid of sky and landline.
Weekly meal planning on a Sunday evening, order online for a Monday delivery.
Will sit down and work out a budget to be debt free by this time next year.

Mum2Fergus Sat 28-Dec-13 15:40:31

First of meal plans tonight...sausage/onion/carrot casserole with mash and broccoli. Had to buy a loaf today but had 35p off voucher for it smile left over cheesecake if anyone fancies it for dessert.

In other news, Id planned to pay what was left of Dec salary to overdraft in Jan...have taken plunge and repaid it in full and had it removed...so will have to make what I have left last me til 20 Jan...feels a long way away!

Fluffycloudland77 Fri 27-Dec-13 22:08:27

I'm probably going with these people from next August though.


I think I need to go to bed!

Ferguson...that is great! I have lots of biscuits, chocolate and tinned stuff...not enough for proper meals sad

Ahem...that should have read "ooh"
<gets coat>

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