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TIPS FOR HAVING NO MONEY

128 replies

BellaElla99 · 04/12/2021 00:00

Hi,

I need help with money as everything is getting so expensive, as a single parent, I am extremely overwhelmed. I can’t afford to top up my pre-payment meter and I can’t afford any new clothes to keep my children warm in the house this winter.

I am struggling so please be kind. If you’ve been poor/are poor or just extremely frugal, please give me your best tips to cope with this winter? Anything from tips to keep warm, tips to keep the kids warm, cheap meal options (have £10 per week left for shopping for December). We will be going to the local church for Christmas dinner and we can watch Christmas films with Christmas shaped toast for breakfast. Kids are young so they won’t know the difference but I need advice for leading up to this!

Thanks so much :)

OP posts:
rrhuth · 04/12/2021 02:15

It sounds very tough Flowers Brew

The only thing that kept me going was treating penny pinching as a game. It wasn't a game at all but by following money saving expert and really focusing on how little I could spend I managed to keep my spirits up.

However there is a point beyond which no amount of pretending can work and it sounds like you need some charity, in terms of food, clothes and maybe Christmas? I think you should speak to the church/school/Salvation Army and see if there is any help you can access.

Giggorata · 04/12/2021 02:43

Here are mine, from the skint years:
Agree about frozen vegetables, as they retain nutrition and very importantly, cook quicker and save fuel.
Never put anything to boil in cold water, always boil an electric kettle to fill pans.
Likewise, rarely use the oven, as it costs a bomb, so put up with soft skinned microwaved jacket spuds.
A thingy for doing rice in the microwave was a revelation, no more sticking and v quick.
When you do use the oven, always fill it up to make it more economical, with scones, Yorkshire pudding, crumbles, cobblers, whatever is filling.
Slow cookers are cheap to run and tenderise cheap cuts of meat and cheap root vegetables. And fab rice puddings, using the cheap UHT milk. I'm still amazed about the variety of recipes in the book that came with mine.
Liver is still very cheap and very nutritious, if you can eat it.
Dirt cheap things like breast of lamb, pork knuckles, etc are OK, they just need a lot of picking and processing.
Stretch mince to the utmost by adding lentils (red are cheapest)
If you can buy the odd spice every week, you can add interest to cheaper dishes. One of our stand bys was a dahl, made with yellow split peas and loads of spices.
Grow some herbs from seed on your windowsill, to pick at.
Individual garlic cloves can be sprouted to grow in pots.
Don't buy anything ready made, if you can manage it, with the possible exception of fishcakes.
Make your own yogurt with cheap UHT milk and a large spoonful of plain yogurt to start it off. It can be flavoured with surprisingly small amounts of fruit from the yellow sticker section, or even jam.
Always grab the huge bags of manky bananas that go on sale for pennies as the insides always look better than you'd imagine, and they can be mashed up in pancakes, porridge or cakes, yogurt, etc.
When we had to resort to leftovers to pad out meals, we basically just mashed up everything that needed using up together and fried it, adding lots of garlic or garlic powder, pepper, frozen peas, Worcester sauce, etc and called it “Power Food”. The DC loved it.
You might not be as brazen as me, but I also watched out for fresh roadkill and gleaned the fields after crops were raised, for peas, cabbage, whatever (we live in the country). I also picked hedgerow things, like crab apples, sloes and brambles.
We were also able to buy trays of eggs at the local market for a fraction of the price in supermarkets, enabling us to slap an egg sarnie together or on toast for breakfast. Usually we had porridge, done in the microwave.
Sacks of spud and nets of onions and carrots were cheaper in the market, too, if we had the spare cash.
We also have a pressure cooker, although that is DH's domain, as I am a bit scared of it, but he boils the cheap packs of chicken thighs or drumsticks, to pick for his curry.

DH doesn’t feel the cold but from October onwards I wear a long black fleece hooded robe over my clothes. I bought two on eBay from a theatre production and have one on, one in the wash. I wear fingerless gloves and a scarf, if I feel like it, because I have an old draughty house and I get bloody cold.
Recently, I have been able to afford a heated throw, but before that, I just collected throws, blankets, old sleeping bags, curtains, whatever was going cheap in charity shops, to pile on beds or sit under on sofas.
I put bubble wrap on the windows in winter, and pin blankets or sheets behind the curtains, as an extra layer.
I have draught excluders under each door and foil on cardboard behind each radiator.

I believe there are still grants for loft insulation, or for upgrading it. Couldn't believe the difference it made.

languagelover96 · 04/12/2021 02:45

Money saving expert is your friend here right now

Interested in this thread?

Then you might like threads about these subjects:

ikeptgoing · 04/12/2021 03:12

I am so sorry that you are going through this xx

When I had no money (ex H disappeared and emptied out our bank accounts), our church stepped in and helped us out with a £60 supermarket shopping voucher for some food. And I got a voucher for basic banks

But let me tell you my top tips

Buy chick peas - tinned or dried (dried- you have to soak over night), they bulk up protein and meat in your dish.

Buy spices and shop in Aldi's dry sections for sauces (jars bottles and tins) etc, frozen, and bakery sections, their tinned tomatoes are 28p
Buy your bread in Aldi's, pain au chocolates 8 for £1, part baked rolls 8 for 80p, And frozen chicken, veg and meat there if you can

You can get big packs of pasta and rice in Asda- I get the £4 huge pasta bag (it's about 50cm tall!) which is huge and lasts me 10 weeks

Make food like
Baked potatoes with butter baked beans and grated cheese on top

Pasta baked with some ham , jar of 60 p pasta baked, some grated cheese and sliced ham you tear up into it adding some frozen sweetcorn, peas or chopped spinach for veg into the pasta bake at the start. (We put foil over dish when in oven so pasta doesn't over brown)

You can buy pizza based (or use flour tortillas) to make our own cheap pizzas

Sausage hot pot- use a pack of sausages, cut up small, Fry lightly with bit of oil, onions and then put into a big saucepan with 2x tinned tomatoes with herbs, chopped garlic, some ground pepper and (rinsed well) tin of chick peas + some veg (tinned or frozen , like sweetcorn , peas, chopped spinach or small diced carrots, any that you have) , heat on low and add 50ml water + splash of soy sauce and put lid on - stir regularly . At same time cook pasta in a saucepan. After 20 mins drain and add in your cooked pasta to your cooking sauce/meat. Then 4 mins of more heating and stirring you can dish it up. That's a meal for 3 people for 2 days at about £4 for the lot.

Buy cheap dried noodles (50p - does about 2 meals), boil it for 5 minutes , whilst stir frying any left over chopped up meat from roasts (chopped up port or chicken or beef) or whatever cooked meat you have, add in frozen or tinned sweetcorn or peas to stir fry them quickly for about 5 mins then some big splashes of sweet chilli (1/4 of a bottle),(again 70p in Aldi's £1 in Asda) , splash of hot water from kettle , then stir in cooked noodles into your wok for a few minutes (making sure all cooked , mixed and warmed through) and you have a tasty meal (from left overs) for 4 ppl for less than £1.50 total.

So many recipes on fb groups - search those up- about eating for less. And how to stretch out meals. Try to add pulses (cooked lentils, chick peas , kidney beans) to all your meats to bulk out the protein.

Make packed lunches for children & for you. I bought 50 sachets of porridge for about £5 on Amazon - all made with a bit of milk and then had added chopped Bananas for a filling breakfast or snack after school.

You can ask your gas, water and electric providers for their cheap rates for those on low income.
I think you can apply for warm home grant to your provider which is worth about a £140 one off amount from your electric in winter

www.gov.uk/the-warm-home-discount-scheme

Buy second hand clothes or look on local fb selling pages or gumtree. I have loads of clothes now that I end up giving to charity shops but often say here's a bag of age x for £5-10 on fb and no one wants them even though is really £100s of great condition clothes. I'd be glad if someone said yes please!! To pay it forward ..,

Don't worry about buying much for Xmas- you can buy nice presents from cheap shops like home bargains or Poundland or from ebay. Your DCs won't know it's second hand. Cheapest place to buy toys for Xmas is local fb or facebay groups - sellers love it when people turn up as arranged! You can get such bargains

I hope some of this helps. Just trying to add To what has already been said

ikeptgoing · 04/12/2021 03:18

How old are your children? Do you have boys and girls ?

Also
Are you getting FSM (free schools meals?) I ask bc not everyone on low income qualifies for FSMs but it is worth talking to school if you have little money to see if they have spare second hand uniforms or if they have any set aside funds for hardship to temporarily help out with school meals

ikeptgoing · 04/12/2021 03:22

Ok found what I bought- 120 instant porridge sachets

It wasn't £5 it was £17 (I think I paid £14) but they have lasted forever!!

https://www.amazon.co.uk/dp/B003Y7NORC/ref=cmswwrothhapiglttfabcS90X05YM2KYS1CCF512D??encoding=UTF8&psc=1

ikeptgoing · 04/12/2021 03:24

I know it's be cheaper to buy bags of perished oats but theses are quick to cook in microwave with a bit of milk and make a nice supper or breakfast when you or children are cold. And is good to have as a back up snack , they literally lasted us all of first lockdown

ikeptgoing · 04/12/2021 03:25

Sorry, for autocorrect, not perished oats! Bag of cooking oats I meant

DeadoftheMoon · 04/12/2021 03:26

We dealt with Christmas by making our own decorations, throughout December. Didn't cost much and helped the excitement build. Over thirty years later, I was very moved to see daughter use a star I'd sown as her tree-topper.

ikeptgoing · 04/12/2021 03:29

Also you can get 15 eggs for just over a £1 in Asdas

We have boiled eggs or poached eggs all the time with toast for beak fast or with cheap Mayo (again Aldi's is 80p unlike others which are £2+) for egg mayonnaise sandwiches for packed lunches or with salad snd baked potato for tea- eggs are your friend as they are high protein so are very filling

Keepitonthedownlow · 04/12/2021 05:44

@ikeptgoing

Also you can get 15 eggs for just over a £1 in Asdas

We have boiled eggs or poached eggs all the time with toast for beak fast or with cheap Mayo (again Aldi's is 80p unlike others which are £2+) for egg mayonnaise sandwiches for packed lunches or with salad snd baked potato for tea- eggs are your friend as they are high protein so are very filling

Please don't buy these cruel caged hens eggs. I'm assuming they are at this price? Apologies if not, but I think some things are inexcusable. I say this as a lone parent on a tight budget.

At the moment I'm eating a lot of McCain baked potatoes- 8 for £3 from FarmFoods.

Also I'm using free activities for kids .

FindingMeno · 04/12/2021 06:57

I used the library a lot. Its warm and there are sometimes activities on.
If ever I was walking around I'd keep my eyes out for change on the ground.
I sometimes didn't have any electricity because I couldn't afford to top up the meter, so its a good idea to go out for a walk as it gets gloomy in the late afternoon- and at this time of year there are pretty Christmas lights.
Actually ask friends for their children's outgrown clothes. An unbelievable number of people are afraid of offending if they offer.
Try to work out when fresh things tend to get reduced in the local shops.
Try not to get cold in the first instance. Sitting still for a long time can be a bad idea.
I hope you have a Christmas full of love.

LivingDeadGirlUK · 04/12/2021 07:00

Join a local wastesavers group on facebook, great way to find kids clothes and other bits.

50ShadesOfCatholic · 04/12/2021 07:17

There is some very practical advice in here.

But to those advising budgeting advice I would counter that no-one can budget as well as a lone parent on a low income. It is, however, impossible to budget with non-existent money.

Maskless · 04/12/2021 07:20

Join your local online community group called nextdoor.co.uk

I once posted on there for warm clothes for a homeless young lady and within hours was inundated with offers of coats, boots, hats, scarves, jumpers, gloves, fleeces, etc, that people simply never wore any more but had not yet bothered to sell on ebay or take to the charity shop. I got to see some of the items and they were clean, good condition and good quality.

It showed that loads of ordinary people have surplus items they are happy to give away if asked.

I bet if you put out an appeal for blankets, hoodies, fleeces, duvets, etc on there you would also get a lot of help.

Maskless · 04/12/2021 07:24

My only other suggestion is, can you or the children possibly earn some money? Even a couple of hours' work for £20 would buy quite a bit of food.

Again the place to ask/advertise is nextdoor.co.uk

Fireblanket · 04/12/2021 07:38

Have something you can wrap around your nose in the evening - a face mask would be perfect! It sounds daft but my nose gets really cold in the evening and if I warm IT up, then the rest of me will warm too!

Kittykat93 · 04/12/2021 07:49

I think you're going to try and have to find some work, even just something you can do when the kids are in bed. If you're that skint that you can't feed and clothe your kids then something has to give. When I've been desperate I've done jobs I really don't want to do, including online work for very little pay, but it got me some money to live off.

BarbaraofSeville · 04/12/2021 07:52

@ikeptgoing

I know it's be cheaper to buy bags of perished oats but theses are quick to cook in microwave with a bit of milk and make a nice supper or breakfast when you or children are cold. And is good to have as a back up snack , they literally lasted us all of first lockdown
But the oats in the sachets are exactly the same oats as in a big bag, and cook in exactly the same way, they're just portioned up into individual sizes for convenience and are much more expensive.

Just find a small cup that holds the right amount of oats for your portion size (a large shot glass works here, or you just half fill a larger cup or whatever), put one measure of oats to two measures of milk and microwave for two minutes.

For the OP, the first thing to do would be to do a benefit check, to see if you are getting all the help you need, apply for the warm home discount, seek a food bank referral, see what food you can get for free/cheap eg Olio, pay what you feel cafes and shops, which you can only pay a small amount if you really have no money and see what cheap meals you can make.

Can you get the mixed boxes of veg from the supermarket to make soup? Do you have a slow cooker, if not, try freecycle to get one, invaluable for making a hot meal using hardly any fuel. There's nothing wrong with beans or egg on toast for a nutritious cheap meal.

Ragwort · 04/12/2021 07:54

Check out what's available locally. We have an independent Food Bank in out town, no one would be turned away; we also have a free 'Food Share' facility where you can get free food every day (Donated by supermarkets). The volunteers in both these places are very knowledgeable about getting extra help...they will know how to get cheap/free clothes, toys, household essentials etc and if they can't get them immediately will do an (anonymous) appeal.

Naughtynovembertree · 04/12/2021 07:56

Loads of hot water bottles to keep warm. Cheap and so effective.
Clothes, charity shops, join feecyle.. Ask on there.. Any spare children clothes age x. Spare bedding.
I have got loads of clothes through people having clear outs, some really lovely stuff.

Local fb pages as well...

ohlordabove · 04/12/2021 08:10

Too good to go is another food waste app

toogoodtogo.co.uk/en-gb. It's for cafes, food shops and restaurants - you can pick up bags of food at the end of the day that would otherwise be thrown away (apparently the Greggs ones are great!)

RealLemons · 04/12/2021 08:29

Talk to family and friends, tell them you are struggling. Sometimes we are too embarrassed to ask for help, even though those around us would happily help out and a little help could improve your situation a lot in the short term.

Let people with simular age kids know you would happily take second hand clothes off them, many people have a pre christmas sort out and just want it out of their house.

Talk to schools, children's centres, churches- they all receive donations to help people in exactly your situation.

I would also suggest signing up to survey sites Qmee and Curious cat, they both pay out to PayPal instantly (over £1) and its not that hard to get a few pound every day with minimum effort. While its not much money, its instant, so can help in the short term.

S2617 · 04/12/2021 08:32

All very nice suggestions but with media and the hustle of Christmas, it makes it difficult to have to do all of this.

If you’re local to me, I’m happy to do a Xmas shop for you to help you and your family this year.

Moofart · 04/12/2021 08:35

There is an app called Too Good to Go which shops like Co op use to sell the food that hasn't sold that day at a discounted price

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