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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.

Money Saving Marches on....frugal living, friendly chat, no judgment

994 replies

ememem84 · 22/02/2018 09:19

Hello. Took the liberty of starting a new thread...

OP posts:
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63
WreckTangled · 23/02/2018 16:41

Cag on mine you only have to specify items over £2000 and then you just have a whole amount eg my total contents in insured for £15k and then I've got my insulin pump added onto that.

ChristmasSeacow · 23/02/2018 16:51

Cag when you get the insurance you insure to a value. So you might decide the contents of your home would cost £20k, or £100k, or whatever, to replace and the premium will vary accordingly. If you underestimate, so you are under insured, they won’t pay out more if you lose everything so you’d have a shortfall. So best to have a think each year at renewal time about whether you’ve got the right amount of need to increase it.

As for proof, you normally have to specify high value items at the time of insuring (and usually pay an extra god those). For me that’s my engagement ring, naice ambers and my MacBook (ancient as it is the replacement value would be ££). Some require proof of ownership off high value items at the time of taking out the insurance but most don’t. If you lost everything but were not trying to claim for more than the value you had insured for, or claiming for high value items you didn't specify at the time, I think you’d be fine.

The potential grey area I think is if you are burgled and lose a few things but don’t necessarily have proof of what you owned and have had stolen. I’m told it’s a good idea to keep receipts and /or manuals of things like cameras, and also photos /receipts of any naice jewellery. I should do that actually... might scan a few receipts for particularly important things.

Not one syllable Wink but hope that makes sense!

SluttyButty · 23/02/2018 16:57

Can I join please?
I’ve been on an economy drive and still need more help. Already renegotiated utility bills after getting smart meters and being horrified at our waste, changed kitchen appliance insurance and a much better deal. Even got the washing machine and dishwasher manuals out only to realise I’m actually wasting money with the programmes I’m using! Gone back to Aldi shopping.
Next job is to find a different pet insurance for the dog because I’m paying a small fortune.

Fluffycloudland77 · 23/02/2018 18:23

Have you asked for suggestions on the dog house section?. Don't forget the cashback sites.

ChristmasSeacow · 23/02/2018 18:44

Ha ha, didn’t proof read.... naice CAMERA not nice AMBERS!

Girliefriendlikesflowers · 23/02/2018 18:48

There are some good deals on pet insurance, your best bet is to look via one of the comparison sites, the meerkat one etc! It's worth paying more for life long cover though imo.

Have just ordered 60 prints via snap fish for £7, need to update photo frames etc, was a bit rubbish last year taking pics! Don't think I took any at Christmas 😶 used a code so got 40% off.

Also spent £5 on a new school tie for dd, we needed a spare!

Wolfcub · 23/02/2018 18:57

Interesting question about insuring games Cag, it’s not something I’ve thought about but we would probably be in the five figures vicinity if we added all ours up. Dh sold £300 of stuff last night alone and that’s been taken to the post office today. But as Fluffy said individually they don’t do over the value for listed items. We don’t have receipts for them but do have photos. We probably should do an inventory really. When we’ve been burgled before we’ve had to provide receipts, boxes, cabling or photos for things to prove we had it.

Dead mans leg in the oven, dh is making carbonara but probably won’t eat as he’s in a prescription med haze. He and ds have been doing my head in this aft. I hate it when he has his pills and ds is in full on irritating manic form.

I’m having wine. Wine

Went to Tesco to investigate the freezer sell off offers. We bought some bits for freezer, new cheap school shoes for ds who had wrecked his expensive ones and wine. Could have done without the spend but shoes are needed on Monday and everything bought for freezer will be used when ds had rugby and needs a quick tea.

I started a freezer audit but then dh started “choosing” what he wanted to write on the list or not based on whether he thought it was important enough to write down making the whole thu g a completely futile exercise

Em so frustrating about the flat sale. You are being amazingly positive about it. I think you’re doing the right thing continuing to edit your belongings in anticipation. Fingers crossed the building management gets sorted soon.

QuiteCleanBandit · 23/02/2018 18:57

Went charidy shopping in my nearby small market town.
Squeeeee! One Fatface cream cable cardi £7-had my eye on it but was not paying £48 .
One Boden grey and navy striped jumper-buttons on the shoulder £7.00 and a White Company cream chanel jacket style cardi -in moss stitch (love moss stitch) and a huge navy scarf with birds on (not swallows,proper birds) £4 .Already tried this on with my navy Uniqlo Ines jacket .

DH was very impressed .
I have ordered some more thermal vests Hmm

tinyradish · 23/02/2018 19:05

Ah, thanks for the welcomes. What a friendly bunch.

I'm now off to google 'dead man's leg!'

SunnyLikeThursday · 23/02/2018 19:16

I just discovered that when the house is freakishly cold, I can heat it up really fast by turning on the tumble dryer, putting it on "warm air 15 minutes" and keeping the tube inside the house. LOL!

Man damn it's chilly here

SunnyLikeThursday · 23/02/2018 19:16

Tiny I definitely would not do an image search on that. It could be very unpleasant. I've made that kind of mistake before.

frazzled3ds · 23/02/2018 19:29

Hello again!

Failing miserably to achieve NSDs at the moment but onwards in to March.... I do seem to have spent less on groceries and diesel this month though so it's not all bad.

Girliefriendlikesflowers · 23/02/2018 19:38

Don't do that Tiny 😂 I haven't a clue what it is either, am also too scared to ask.... 😮

This weather is doing my head in, even with the heating on I'm still cold 😨 have got into bed under blankets in the hope I might warm up. Surely it should be spring by now 🌻🌼🌻🌞🌱🌱 dd cheerfully informed me it's going to be -7 next week!!!

WreckTangled · 23/02/2018 19:45

Girlie take your duvet onto the sofa and get a hot water bottle in bed. We still don't even have the heating on in our room (can't afford it) and it's only chilly in the mornings because we have the cosiest bed.

Dd won't let me dig out her verruca she's such a wuss. Screams every time I go near it (whatever fluffy 😉)

Wolfcub · 23/02/2018 19:47

Dead mans leg is jam Roly poly

Money Saving Marches on....frugal living, friendly chat, no judgment
QuiteCleanBandit · 23/02/2018 19:58

frazzled some spends are necessary
Its all about not wasting money and having control over it Smile
As today is payday its always spendy for me as I budget for and buy all necessities -big food shop ,pet food , pet bedding, cat litter and our savings is stashed away,any bills paid etc
Then we allocate our personal spends Grin and I draw out weekly food spends .
Anything left is in "the pot " but every purhase is considered need/want accordingly.
I have various savings"pots"on an app so I can see my progress.
If you are saving on food/diesel thats brilliant.

Fluffycloudland77 · 23/02/2018 19:59

I'd leave it. Viruses do what they do Wreck. I've seen patients over-treat them & end up with corns instead because the damage to the dermis has caused scar tissue. It's too weak to withstand walking & builds corns easily.

frazzled3ds · 23/02/2018 20:34

Good point, thank you. I got paid today too (supposed to be Sunday but not knocking it!) and have started going through my YNAB app to do March budget. I get tax credits weekly and housing benefit once a fortnight, along with child benefit every 4 weeks, and I'm getting much better at planning out spending to match. I've also got a standing order set up to move a small amount into a savings account every week when the tax credits land - goes out some day so isn't missed. Working quite well so far!

QuiteCleanBandit · 23/02/2018 20:47

Thats sounds great frazzled.
Do you do meal planning ?
That really helps

Cagliostro · 23/02/2018 20:55

I had to google it too, but the key is to also add the word ‘recipe’ which seemed to knock out any dodgy results. :o

Welcome sluttybutty :)

Yummy mackerel stir fry for dinner. Still could’ve been braver with the chilli flakes though.

£25 to ballet for the show costume. Sigh. Still need to book tickets.

Thanks so much for the info on contents insurance. That all makes sense. I have absolutely no idea what DH estimated, and it most likely hasn’t changed since we moved. We’ve never really had any big ticket items until my iPad (laptops were cheaper), but we do now have my piano here. The only other valuable things we have are the game collection, DVD collection and the tumble dryer (is separate appliance insurance a thing then? If you don’t do the individual warranty things can you just cover say dryer washer and fridge as a group?). I have no jewellery and most of our furniture is from charity shops and family. It’s interesting, thinking of what would need replacing.

I must make sure we sort all this stuff when we move.

frazzled3ds · 23/02/2018 21:36

I'm starting again on meal planning -picked up quite a handy double notepad fridge magnet thingy in Aldi last week with two pads on it, one for the menu plan and the other for the shopping list so using that - with three DS to feed (at least one of them changing his mind regularly on what he does and doesn't like..... ggggrrrrrr) it's a never ending job to make sure there's something edible in the house!

Loveabaconsandwich · 23/02/2018 21:48

I’m shattered

DP bought dominos for dinner so unfrugal

Happy weekend everyone Smile

QuiteCleanBandit · 23/02/2018 21:48

I only do 2 choices frazzled
Take it or leave it -no fannying about doing several different things.
They soon get used to it .
Disclaimer my DC dont have SN or allergy diets .

frazzled3ds · 23/02/2018 21:54

That's one more choice than I do! Very much of the mind 'take it or leave it' set.... most of the time they're ok though - next challenge is to get more fruit and veg into them!

Nofilter · 23/02/2018 22:06

Thanks for responses much appreciated. I think I’m going to look into Petplan... but keep an insurance in place horses just drain money!

Em I’m on week 5 of my Invisalign, so I wore one set of temp braces for two weeks, another for two week and I’m wearing the third set now due to be changed for permanent ones - can’t wait for my Hollywood smile either!!! Zzzzzz

Bought a Boden top today £15 and a McDonald’s £5.47 struggling with meal planning / eating at all / junk last minute food - it’s actually a big expenditure including coffees much more than I realised £1-150 a month!! And I have a Nespresso cappuccino maker and I really like them so going to look into a cup to take my own...

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