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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.

With bills going up again — where are you all cutting costs?

202 replies

CrispsandChips · 26/03/2026 20:40

I feel like I’m really struggling at the moment and I don’t quite know where to turn. I’d genuinely love to hear how people are managing to save money right now because everything just keeps going up and it’s starting to feel unmanageable.
My household bills alone are going up by around 22% this April… and I just keep thinking, if only my wages were increasing like that too. It feels so unfair and honestly a bit scary.
What are people actually doing day to day to cope?
Where are you shopping at the moment? What does a typical weekly shop look like for you? Are you going to multiple shops to try and make it work. If so, where are you going?
I’m trying everything I can think of just to claw back a little bit, I’ve swapped out all the lightbulbs, I’m cooking / washing clothes outside of peak hours, but it still doesn’t feel like enough. My water bill alone is going up by 18%… and I’m sat here half-joking thinking, what next, do we just stop showering?
If anyone has any tips at all, even small ones, I’d really appreciate you sharing them. I feel quite desperate just trying to keep on top of everything right now.

OP posts:
Overtheatlantic · 26/03/2026 20:46

We’re focusing on our food bill. It’s insane how much food we throw away as a couple because everything is for families. A bag of carrots or potatoes, we end up throwing away most of it. Our tiny kitchen has a tiny freezer which makes batch cooking impossible.

Juicyapple44 · 26/03/2026 20:55

We have stopped going out for meals/ having take aways not that we did that often just can't not justify the cost anymore and getting disappointing meals and coming away hungry as portion size is small compared to cost. Next will be looking at our food bill.

CrispsandChips · 26/03/2026 20:56

Overtheatlantic · 26/03/2026 20:46

We’re focusing on our food bill. It’s insane how much food we throw away as a couple because everything is for families. A bag of carrots or potatoes, we end up throwing away most of it. Our tiny kitchen has a tiny freezer which makes batch cooking impossible.

This is definately an area I have been targetting too. What kind of meals are you cooking? I am trying to change the type of foods I eat to help reduce cost

OP posts:
shellyleppard · 26/03/2026 21:01

@CrispsandChips do you have a good size freezer? Some butchers do meat for the week for £30 ish here. Iceland do some good frozen deals too. I've started to cook extra and freeze the leftovers. So far we have home made spaghetti Bolognese, chicken fajitas and sweet and sour chicken. I've stopped buying the goods bamboo toilet paper to save money

JehovasFitness · 26/03/2026 21:12

Shopping at Lidl. Meat no more than twice per week (but we did that anyway because everyone eating meat every day is unsustainable). Salad cheese (basically Feta not made in Greece) and different types of beans are a great protein base for a meal and cost naff all. Have used some tinned fish to supplement but sardines are 25p/tin. Plenty of fruit and vegetables and use all of it. Stick rigidly to a meal plan. Batch cooking lunches. Nothing gets binned.

2 adults and a baby on solids eating mostly healthy with a few treats, including toiletries, cleaning products and nappies down to £45 per week.

Parking out of the city centre and walking an extra ten minutes to work is saving ~£9 per day on parking.

Heating went off on 1 March and was set to 16°c in the winter.

We’ve had the post-baby switch to part time plus expecting a grim remortgage but things aren’t that tight. Trying to make a few changes so we can keep enjoying some luxuries.

Meadowfinch · 26/03/2026 21:14

school ends tomorrow so I can leave the car at home & cycle to work for a few weeks.

it should warm up soon so I can cut back on water heating. In the summer 20 mins heating gives enough for two decent shower. In the winter it takes 30 mins.

i've planted up tomatoes, peppers, cucumbers, courgette plants. They're in the greenhouse waiting to go out. With broad beans, rhubarb, spring onions, early lettuce, my food bill will drop in May.

It should cancel out the increased cost of my council tax 🤣

Theolittle · 26/03/2026 21:16

A breakdown would be useful to see. It’s not normal for bills to be going up by 22% overall. Are you adding all the increases together?

topcat2026 · 26/03/2026 21:22

One or two food shops per month. No topping up - once it’s gone it’s gone.

GoldenCupsatHarvestTime · 26/03/2026 21:23

Food - Aldi and an Oddbox (you get a lot more fruit and veg than the weights they say, oftentimes double). We only eat meat 3 x a week - generally chicken drum fillets (<£3/600g at Aldi) or thighs or sometimes fish cakes.

Heat - No heating, just hot water bottles and duvets on the couch. Yes it’s miserable but bearable.

Clothes/shoes - anything new has come from Vinted.

GoldenCupsatHarvestTime · 26/03/2026 21:24

Theolittle · 26/03/2026 21:16

A breakdown would be useful to see. It’s not normal for bills to be going up by 22% overall. Are you adding all the increases together?

My energy bill was £700 last year all together. This year it’s been £400 Jan-March alone.

SpiritAdder · 26/03/2026 21:26

Sadly our costs cannot be cut. One of our adult children has to come home for at least a year due to ill health so we will be struggling with 3 adults on a fixed income and the costs of everything going up. We also are not in the UK, although our child is travelling from there to here- so there is no right for them to get sickness benefits. I am praying their visa gets approved. They have nowhere else to go.

Doggymummar · 26/03/2026 21:27

GoldenCupsatHarvestTime · 26/03/2026 21:24

My energy bill was £700 last year all together. This year it’s been £400 Jan-March alone.

It's so weird how bills differ my gas and electric is £300 a month, water £90 council tax £240. Gas is going down in April so is water and council tax staying about the same

EllaMozarella · 26/03/2026 21:28

I’ve had a cleaner for 7 years (she’s amazing) every two weeks. I think I need to lose her. As someone with ADHD this makes me so sad.
Also, fewer haircuts (don’t need every 2 months) & less ‘small’ food shops. Just one big shop a week.
I gave up drinking alcohol last year so that’s saving a few £ as well.
And to make money…. Upping the Vinted sales!

GoldenCupsatHarvestTime · 26/03/2026 21:29

Doggymummar · 26/03/2026 21:27

It's so weird how bills differ my gas and electric is £300 a month, water £90 council tax £240. Gas is going down in April so is water and council tax staying about the same

I mean there’s only 2 of us at home at the moment so if you have double the people that would make sense. Our water is £45 and CT £160x12.

Teainapinkcup · 26/03/2026 21:31

Overtheatlantic · 26/03/2026 20:46

We’re focusing on our food bill. It’s insane how much food we throw away as a couple because everything is for families. A bag of carrots or potatoes, we end up throwing away most of it. Our tiny kitchen has a tiny freezer which makes batch cooking impossible.

buy them loose.

Myexhas6kids · 26/03/2026 21:36

What energy tariff are you on, OP? You mentioned cooking and washing clothes outside of peak time which will only make a difference to the cost if you pay a different rate at different times of day which most people don’t.

fisherhatesgravel72 · 26/03/2026 21:37

Teainapinkcup · 26/03/2026 21:31

buy them loose.

Yes this! I often buy one big carrot for Sunday lunch as just two of us

hahabahbag · 26/03/2026 21:53

Batch cooking and menu planning to use up ingredients is a great source of savings without sacrifice, I save about £50 a week this week. I don’t buy coffee out taking a flask if going for the day, we spend circa £3 a week on ground coffee rather than per drink!

Gabitule · 26/03/2026 22:01

I’m good at being frugal but to be honest it’s exhausting to be constantly watching my spending. I sometimes have periods when I am a bit more relaxed about money…but I quickly recover when I see a huge credit card bill 😀.

I don’t eat out, can’t justify the ridiculous cost for meals which I can mostly cook myself. I don’t have take aways- luckily I never got into the habit of getting take-aways so I don’t miss them.
Everything is cooked from scratch, lots of cheap veggies, nothing is wasted. I find that you can cook delicious recipes really cheap (eg spicy sweet potato with yogurt and mint, cauliflower with curry mayo…).
I buy cheaper cuts of meat which I cook in the slow cooker so they become really tender.
I buy food items in bulk, especially when on offer.

I turn the shower off while I lather my both and wash my hair. If I have a bath, I never fill the bathtub.

I use a basic, rich moisturising cream instead of the fancy anti-aging creams I used to buy. Instead of expensive exfoliations I use a more abrasive muslin cloth.

All my clothes are second hand - theres better quality in good second hand clothing from charity shops anyway than in new stuff.

I have an electric blanket on every sofa and this makes an immense difference to me needing to turn the heating on high.

Despite this, a weekend away or a dinner out with friends can easily wipe out all the savings made through a month of careful savings.

Theolittle · 26/03/2026 22:03

GoldenCupsatHarvestTime · 26/03/2026 21:24

My energy bill was £700 last year all together. This year it’s been £400 Jan-March alone.

Were you underpaying in 2025? Because average bills went down slightly in the first quarter of 2026. The Iran crisis hasn’t hit yet

Floralhousecoat · 26/03/2026 23:30

It's exhausting. Council tax has increased and is now one of my biggest bills. For worse services.

I walk everywhere now where I can.

Today after work I met a friend and then walked home, was about 35 minutes and I was tempted to get the bus because I was tired after work, but I resisted 🤣

It's the little things.

I walk to the station nowadays instead of getting the bus which halves my commuting costs. It's called active commuting, ie, walking partway, and I see it as my daily exercise. I get about an hour walk every day that way.

Sometimes I do a big stew with meat and lots of vegetables, DC have the meat and I eat the veg which is healthier for me as trying to cut down on meat consumption.

I've started buying carrots as a healthy snack rather than grapes and apples as it's cheaper. I do still buy fruits but less frequently.

Batch cooking definitely. I just do big pots of curry and stews and we have over 2 days. We don't mind eating the same meals over a couple of days. Most flavours actually improve the next days.

I sold my car last year, which was a huge saving. I appreciate this isn't possible for lots of people.

suki1964 · 26/03/2026 23:40

Its fuel costs which are scaring the shit out of me - we have oil heating - it got switched off last week as we have very little in the tank and Im trying to hold off till the prices start to drop

That and the cost of filling the car - being extremely rural - no busses etc - cars are needed

We have lived a frugal life style for a long time now, but now its getting tricky

We have ecco 7 so Im up at 5 am to put on dishwasher ( every 3 days ) washing machine - every 2 days - and tumble drier on as and when - towels and heavy work clothes usually

I put the hot water on for 30 mins - gives enough to have a shower each, and warm enough water to wash any odds and sods during the day ( Last electric bill was £485 for the quarter )

Food bill is where I make the biggest cut backs - yellow sticker queen :) If I see a bargain, the purse gets opened and we stock up. Pork shoulder has been £2.50 a kg the past three weeks in Tesco, so every time Ive been in, one has gone in the basket and is in the freezer. Lamb is half price now for easter, I shall buy that this and next week, might not be eating it right now but when we fancy lamb and its at £40 a leg, I will have the half price ones in the freezer ready . I dont waste money or freezer space on bread/cakes etc, its all meat and fish

Whole chicken thighs are around £2 a kilo - compared to £6/8 breast, and £5 for boneless / skinless thighs. It takes literally seconds to remove the skin and bone yourself - no skill needed

Thinking outside the box when it comes to meals. Tonight we had YS lamb meatballs for dinner - I made them into a kofta curry on rice, £3 ( including spices and rice and tinned tomatoes ) had two extremely healthy portions and a lunch box made . Those big pack of chipolata sausages that are sold off after christmas for pennies? I snap them up - great in toad in the hole, sausage casserole - plus the grandkids will eat tiny sausages quicker then a cut up sausage

Another favourite dish at the moment - hot honey pork stir fry. Pork mince is £2.50 for 500grms and that, with a large pack of stir fry veg will feed four people along with a mug of rice ( dried weight ). Every mouthful has meat, rather then trying to share out the equivalent cost wise of pork strips or chicken strips

I try to add lentils/beans to any wet dish to bulk up the protein without bulking the cost

I also use frozen fruit and veg - frozen berries for breakfast and frozen spinach - dropped into anything and everything, frozen casserole veg - bag of that, a pack of stewing beef - into the PC and dinner ready in 30 mins. I also like to have frozen chopped onions and a bag of chopped celery/carrots and onions - ready to go and no flaff and no waste

Cut the brands. There's very little unbranded stuff that's not as good, sometimes even better than the brands. Most of my shop is done in Lidl and in 20 years there was only one thing I ever went back and complained about - and received a full refund . Here in NI the meat is excellent quality at pretty decent prices Because of allergies I thought I was stuck with Persil, During covid/brexit shortages, I couldn't get it, got a small bottle of Formil ( lidl own brand ) and Ive stuck with it ever since - just as good as Persil and Im not allergic

Also have a good inventory of what you actually have indoors already. So many times we buy on auto pilot, not remembering we didnt use the 4 tins of beans/tomatoes or whatever we bought the previous week. Know what you have, only buy what you need. I always work with one open, one spare , so Im not buying. at high prices, I can wait till it goes back on offer

Shop around, look in at Home Bargains/ savers etc instead of just buying in the one place, toiletries and cleaning materials are often a lot less in those shops then the supermarkets

Friendlygingercat · 27/03/2026 02:29

20% 0f my council tax is going on childrens services. As a child free single pensioner I resent every penny of that money which is for things I do not want and cannot use. I cant cut back on heating as I am arthritic and need to keep warm. I am looking at my food bill and buying less nice treats. My food bill for next week is down by £10. I should not have to feel miserable after a lifetime of being a net contributer. I have some ways of bringing in untaxed income (about £800 a month) and dont feel any pangs of conscience, Ive already made my contribution to the community.

PrincessofWells · 27/03/2026 03:36

If your water usage is high stop laundering so much. There's no reason clothes should be washed as often as they are unless they look dirty.

PrincessofWells · 27/03/2026 03:38

Friendlygingercat · 27/03/2026 02:29

20% 0f my council tax is going on childrens services. As a child free single pensioner I resent every penny of that money which is for things I do not want and cannot use. I cant cut back on heating as I am arthritic and need to keep warm. I am looking at my food bill and buying less nice treats. My food bill for next week is down by £10. I should not have to feel miserable after a lifetime of being a net contributer. I have some ways of bringing in untaxed income (about £800 a month) and dont feel any pangs of conscience, Ive already made my contribution to the community.

It pisses me off having to pay for social care for the elderly because my parents paid for their own but there you are . . .