I'm going to read this thread in full over the weekend, when I'm less tired and more sober. The topic scares me, as I've already done a vertiginous transition from rich to poor. If I have to make an equivalent transition again, I will need survival advice, never mind budgeting. And I think it is heading that way.
I lived for two years in a country where inflation was 30% a month. You had to spend your wages as soon as you got them - and wisely because, if you hadn't bought everything you needed (and in a form that would last the month), stuff would be 30% more expensive by the last week. It was ridiculous. All anybody ever talked about was prices and bargains.
So: since this is mumsnet, and we're all middle-classy
, here are the differences between Rich Me (past) and Poor Me (present).
Bugger healthy provenance. I am an omnivore, with carnivorous leanings. I used to buy only eggs where I knew exactly how happy a life the hens led; shopped at a free-range butcher; drank only organic milk; used mostly organic veg.
All that's gone by the board: my diet's more important than happy meat & veg. I am distressed about the amount of added chemicals in my 'poor' diet, but can't afford to worry about that now.
However, if I were feeding young childre, I would give them organic dairy produce.
I use Quorn as a meat padder, and soya mince as a general padder. Rich Me wouldn't use soya products, due to various concerns about farming and worker ethics, but Poor Me says sod all that, I need cheap food! I gave up growing veg, as it's just not ergonomic; either I had to spend a fortune on chemicals to keep 'em happy and the bugs at bay, or I raised a crop of stuff that the wildlife ate before I even saw the final version. So I buy frozen, dried and budget. Frozen fruit, veg and herbs are healthier than the other options (including 'fresh' from supermarket) but I buy what works out cheapest.
There's an Aldi where I live. I buy whatever they've got in. I buy NOTHING any more from Waitrose, M&S or Morrison's, though I would if I could get to Morrison's at 5.30pm when they sticker the reductions. If you haven't got an Aldi or Lidl, you should shop (online if not local) at Asda. Your weekly shop can be halved, honestly!
Forget about brands. For things that matter, read review sites -Aldi and Asda often come up tops for things like skincare and babycare. They know what pulls in their core markets, and they spend money on getting the right products. Same, actually, with wine and other treats like chocolate. Once you stop being obsessed by known brands, you soon learn who does it best and for the best price (answer: Aldi, Asda, Tesco, Lidl)!
I've learnt to wear fluffy slippers in the house, have a supply of comfy cardigans - am wearing one now, and it's only August! - and to use hot water bottles. In winter, it is cheaper to keep your heating on full-time (I checked this with some heating engineers.) The optimum temperature is 16dec.C. I tested this last winer (I'm on a pay meter, so can see what I'm using although it's more expensive.) The advice was correct - it reduced my bills and, even better, kept the house tolerably warm except during sever cold snaps.
Nobody drives any more anyway, do they? Petrol's absurdly expensive, and diesel's not that much better. Thank god for the internet and Skype, otherwise I'd never 'see' anyone! That is going to get worse: a lot worse. In reality, there's tons of oil left (I mean a very lot, not literally 'tons'!) but the power game over supplies has almost reached crisis point. We will have to suffer unimaginably before this game plays out. Prepare to wear many socks.
Thinking about fuel economy (as you do when you're poor and on a meter), it's a hell of a lot cheaper to use your slow cooker, microwave and electric grill thing to preapre food. Plus, those methods preserve more of the nutrients. Win-win. Cooker almost redundant, except for roasts and fry-ups :)
Blimey, I've written an economy essay!

Sorry, everybody. I must have needed to get it all out! (And still could add more ... extra
)