Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

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.

How you all getting on with COL?

45 replies

ACookedChicken297 · 26/05/2025 18:48

thats it really how you all getting on with col and have you changed much since col started

For me mortgage increase difficult as my salary £30k but still spending less than I earn (just!)

OP posts:
Sherararara · 26/05/2025 21:17

I’m doing fine thanks. Haven’t really had to make any sacrifices.
But that’s probably not very helpful.

cherrycola66 · 26/05/2025 21:23

Lemon829 · 26/05/2025 20:07

Horrendously but I’m a single parent so that is probably why it’s hitting so hard. About to qualify as a nurse and have just been told my placement providers are on a recruitment freeze, so after studying and working 2000+ hours unpaid, I’m unlikely to have a job at the end of it and no idea how I will make ends meet.

Depressing but this is reality for a lot of people I suppose. I wish I didn’t bother training at all

Don’t stress too much, there’s always agencies, go practices or care homes to tide you over - might not be what you want but will keep you going

pavillion1 · 26/05/2025 21:26

Its just so debilitating.. Working god knows all hours for a life of not very much .. Stressing about xmas already

DaftNoodle · 26/05/2025 21:32

Single parent with 1 child, mortgage is crippling and I live in a tiny run down 2 bed terrace. Work as many hours as I can but never manage to make my wages last until the end of the month. Shop in Aldi, don’t drink or eat out, buy all clothes from Vinted and try not to put the heating on in the winter which has given us a bad damp problem.
so all in all pretty rubbish really!

tinyspiny · 26/05/2025 21:32

Sherararara · 26/05/2025 21:17

I’m doing fine thanks. Haven’t really had to make any sacrifices.
But that’s probably not very helpful.

Me too .

frogpigdonkey · 26/05/2025 21:51

I’ve been consciously trying to get spending down for a few years due to changing life circumstances. Increases in cost means I’ve been standing still rather than saving more but it’s good discipline anyway. I do yearly reviews of subscriptions, insurance etc to see if I can get cheaper or cancel if I’m not using. I set a budget for the supermarket and try and beat it. The biggest cost decrease has been improving my cooking skills and reducing take aways and food waste, nd cancelling subscriptions that build up almost without noticing. I’m lucky because I don’t have a mortgage but for me what gets measured gets managed, so having spreadsheets and target spends has been very helpful. It’s not easy but I do think a lot of money leaks away for a lot of us unless we pay close attention to. I find a takeaway a real treat now, whereas it was routine before, so I don’t feel my quality of life has reduced much

MsCactus · 26/05/2025 21:51

CharlotteRumpling · 26/05/2025 19:46

We dont eat or drink out any more. Still luckier than most.
Cook a lot at home. So do DC.
I did a no buy last year, not just for cost alone. Bought very little this year too.

How did you find having a no buy year? I'm tempted to do "low buy year" as a way to save money as I'm on mat leave this year and our income is almost halved without my salary

fannieadams · 26/05/2025 22:12

Single parent here, higher rate tax payer, lowish mortgage (£95k), 1 teen. Doing OK, but have cut down eating out and going to coffee shops as it's just expensive for what it is.

We have a monthly takeaway otherwise we cook from scratch. I do buy my lunch when at work as my homemade packed lunches are depressing but it's only a fiver for a meal deal. I know that's about £40 a month, but it's a little treat away from cooking which I find a chore.

I still go to Sainsbury's and top up at Waitrose. I shop at Aldi monthly but spend more as I think everything is super cheap and get extras/treats/middle aisle items.

We do watch what we spend but don't have to be super careful.

frogpigdonkey · 26/05/2025 22:23

I also think it’s easier if you have even a little fat to trim. It’s so much harder if you are already frugal and doing all you can to keep costs low. The cuts and the increases are hitting hardest at the lowest end- inflation in cheap food and essentials is greater than in luxuries and there is no choice. I can choose not to buy a take away coffee for £4 because I think it’s bad value or buy cheap clothes or not buy. For people on the edge I think things are still very very tough.

suki1964 · 27/05/2025 00:42

I have posted these tips before on another thread, but if they are of a help to new eyes, its worth posting again

Yellow sticker shop - and not always the places you would think. I get my best bargains at local Spars, M+S and Lidl. Lidl usually in the mornings, same with Spars and M+S around tea time. Last week I got 1.5kg gammon for £2.60 in a spar and I filled a huge B&M bag for life for £25 from M&S. I dont yellow sticker shop for bread/patries, for me its all about meat and fish, I picked up legs of lamb for £7 last Christmas - bought as many as I had room in the freezer for - and I did sacrifice bread I had to make room :)

Download Toogoodtoogo and Olio apps. TGTO you pay, Olio is free but you might have to take a late trip out, TGTG are food outlets selling food extremely cheaply and Olio is a scheme where members do the supermarket runs, collecting their end of shelf life food, and putting it out there - its free, no charge

Both apps work best in towns and cities. I use TGTG if Im going to a city, last time I used it I got from the Cornish pasty company 2 large pasty, two smaller slices and two sweets and something else - £7. we took our lunch from it, the rest came home and in the freezer - did other lunches

Check local community pages for a community fridge. They are free to use, not means tested or referral needed , they are there to stop food waste. Rather like Olio, they collect the food and then have just the one area and time slot to go pick up. Our one, sometimes its just bananas and bread, other times one of the meat processing factories will send up sausages, burgers etc - they are hit and miss but worth setting alerts for

If you have a meat/chicken processing factory near you, check to see if they are running a shop. Ive gotten chickens for as little as 25p

Do not feel that you cant ask for a food bank referral. You might have kids who need new shoes or you might have a big bill that really needs paying, and both are going to cut your grocery bill - use a food bank. You can get from Trussel - 3 referrals a. year, and there may be others run locally that take more referrals. Go to a food bank rather than getting deeper in debt . Any perceived embarrassment around asking for help is a lot shorter lived then debt interest

Day trips/entertainment - use your local online community pages. If it's free - GO. Gets you out the house, gets your meeting people , stops the feelings of isolation. I live rural and Ive been to more then anyones fair share of local community days geared to younger families ( Im old ) It doesn't matter, what matters is getting out and feeling normal

Tesco shopper? dont use your points in store, swap for rewards - worth double in loads of chain restaurants, cinema tickets , days out etc

Hair and beauty? get in touch with the college near you that teaches - you can go "model" for students. Ok so Im not up on prices but I used to get a cut, colour and finish for £10. You can get massages, hair cuts, colouring, nails - just about anything. It won't be quick in and out as its a student under a tutors guidance, but its worth it ( you won't come out looking a mess )

If and when we go for a meal we go lunchtime or tea time ( what city people call pre theatre ) there are usually great deals to be had for near on half the price of main evening menu. Dont be embarrassed asking for tap water either , soft drinks are a joke of a price

fancy a Chinese or Indian take out? Just order the main dish - cook your own rice/naan. Look in the reduced sections for sundries like samosa and spring rolls and lift them and freeze them till needed

These are just a few of the things I do/did Hope they help others

CharlotteRumpling · 27/05/2025 10:13

MsCactus · 26/05/2025 21:51

How did you find having a no buy year? I'm tempted to do "low buy year" as a way to save money as I'm on mat leave this year and our income is almost halved without my salary

I only did no buy for clothes and shoes. Not too tough as I now WFH and London has got more casual, so dont need that many clothes. Smart jeans and a nice top works for most occasions!

I do still have treats; just don't buy clothes for them.

BCBird · 27/05/2025 10:20

There's just me to consider, so it's not too bad. My food bill is high and my utilities have doubled. I'm giving up my job soon, taking my pension early and going to be looking for part time work. I will have to be more careful with money then. Hopefully things will start to improve.

ACookedChicken297 · 27/05/2025 19:14

@Passthecake30 crazy isnt it

i feel also every food i buy is smaller too shrinkflation :(

OP posts:
Passthecake30 · 27/05/2025 19:44

ACookedChicken297 · 27/05/2025 19:14

@Passthecake30 crazy isnt it

i feel also every food i buy is smaller too shrinkflation :(

Definitely, and it doesn’t help that my dcs eat about 3 times as much as they did 3 years ago!

ACookedChicken297 · 27/05/2025 19:48

Passthecake30 · 27/05/2025 19:44

Definitely, and it doesn’t help that my dcs eat about 3 times as much as they did 3 years ago!

it is @Passthecake30
when i was young i used to eat a lot but dont now i am a lot older

OP posts:
Beautifulweeds · 27/05/2025 19:53

Everything has gone up so lots of shopping around to get best deals on everything.

What I used to get for a supermarket shop (even in my fave place Aldi) prices have soared. The cheap bargain stores aren't as cheap.

Personally it's been gas and electric, especially with the standing charges.

We're fortunate to have enjoyed low mortgage deals, cheaper holidays in the past. I feel so much for the younger generation, with the need for technology these days, which all cost, student fees, housing market.

Even with budgeting, rent, bills, which have all increased so much, doesn't give much room.

So, it all depends at which stage you are in your life but we're all definitely feeling the squeeze. Xxx

ACookedChicken297 · 27/05/2025 19:58

Beautifulweeds · 27/05/2025 19:53

Everything has gone up so lots of shopping around to get best deals on everything.

What I used to get for a supermarket shop (even in my fave place Aldi) prices have soared. The cheap bargain stores aren't as cheap.

Personally it's been gas and electric, especially with the standing charges.

We're fortunate to have enjoyed low mortgage deals, cheaper holidays in the past. I feel so much for the younger generation, with the need for technology these days, which all cost, student fees, housing market.

Even with budgeting, rent, bills, which have all increased so much, doesn't give much room.

So, it all depends at which stage you are in your life but we're all definitely feeling the squeeze. Xxx

yepper :(
Standing charges might be about to change soon martin lewis said as a tariff with no standing charge and everything goes on unit rate but dont know if it will help much

OP posts:
Beautifulweeds · 27/05/2025 19:59

CharlotteRumpling · 27/05/2025 10:13

I only did no buy for clothes and shoes. Not too tough as I now WFH and London has got more casual, so dont need that many clothes. Smart jeans and a nice top works for most occasions!

I do still have treats; just don't buy clothes for them.

I've found the site vinted to be brilliant! You're buying, even new items, at a fraction of the price. Clarks shoes for DC, household items, gorgeous designer dresses etc. I've just bought 2 brand new items for a child's birthday for £7 including delivery. Immaculate, received within days and they won't know the difference 😊

Beautifulweeds · 27/05/2025 20:18

ACookedChicken297 · 27/05/2025 19:58

yepper :(
Standing charges might be about to change soon martin lewis said as a tariff with no standing charge and everything goes on unit rate but dont know if it will help much

Edited

Wow really? It's just disgusting that these companies who make so much profit don't give a damm about us all having ro pay for it. An absolute disgrace when anyone trying to cut down costs still have to pay standing charges for not using any energy. Totally unfair, especially for the vulnerable. Thank you! Xxx

ACookedChicken297 · 27/05/2025 20:22

Beautifulweeds · 27/05/2025 20:18

Wow really? It's just disgusting that these companies who make so much profit don't give a damm about us all having ro pay for it. An absolute disgrace when anyone trying to cut down costs still have to pay standing charges for not using any energy. Totally unfair, especially for the vulnerable. Thank you! Xxx

@Beautifulweeds yes if you google mse no standing charges you might find it as ofgem are on about introducing it they were saying put all of it on unit rate but then it would be bad for vulnerable high users so they said there should be a dual price cap and you can choose which you think will be cheaper

tbh tho it wont make much difference as the only way to save money with no standing charges compared to normal tariff is to turn heating off in winter which is horrible

OP posts:
New posts on this thread. Refresh page
Swipe left for the next trending thread