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your top tips for money-saving and a more frugal life..

503 replies

amigoingmadhere · 19/08/2012 09:07

Right - having until now led a relatively good lifestyle, am about to be single with 3 young dcs and very little money (not going to go into background here as it's depressing and will only get me down on this sunny morning).

Rather than sit here terrified, I would like to gather the collective wisdom of MN to see how I can immediately live a more frugal life and preserve any little money we have for a house and the dcs' future.

So, here's what I can think of to start with:

  • get a new Boots card (old one is connected to my stbxh's email account)
  • get Tesco clubcard
  • get Nectar card
  • always scour the internet etc. for vouchers / codes etc. (do this anyway but in a more random way)
  • only ever buy presents in sales
  • when moving house, try to get as much as possible from charity shops / freecycle etc.
  • use library more
  • see if Surestart still exists (a while since I used their services)
  • start looking for any local free/cheap gym / sports facilities


There must be more that I'm not thinking of.. would be grateful for your ideas! - shopping / cooking / kids' activities / house furnishing etc.
I'm starting afresh on a new and wonderful life.. but it's going to be hard.

thanks :)
OP posts:
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GilmoreGeek · 20/08/2012 20:55

Oh this thread is great! I was just doing a bit of budgeting today as I have changed job and have moved, so loads of new bills, companies etc.

Can I ask a few questions please?

Firstly to ivykaty, so did you not give the TV people your real name? So far I have always simply ignored their letters and that has worked out well, should I send them a letter?

About slowcookers, can I leave them on while going to work for the day or is that too risky?

Also I have just moved into a new property and the kitchen only has a tiny fridge, with one freezer shelf. It doesn't even fit two pizzas (tried today, needed to take them out of the wrapper). I am used to buying loads of frozen veg and everyone here talks about badge cooking and freezing. Would it make sense for me to buy a small extra freezer? I am considering it but not sure how much money I would actually save.

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wellwisher · 20/08/2012 21:07

This thread is brilliant!

OP, would it be OK to ask MNHQ to move it into the Credit Crunch topic? It would be such a shame for all this frugal wisdom to disappear after 90 days...

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Fluffycloudland77 · 20/08/2012 21:09

Gilmore, It would most likely pay for you to have a seperate freezer if you can get an A energy rated one.

You could look in your area for any catalogue seconds shop eg Birmingham has one called Borsch which dh is very dubious about but I've had a Bosch fridge from there and a washing machine with no problems at all.

I wont leave my slowcooker on during the day, I turn off everything apart from the ff. I'm sure lots of people do though.

Theres a thread about slow cookers on the food section, Mine's asdas own brand and is very good. I've got a marked down joint of pork in there that the cat is very interested in.

Organisedhome.com do some really good printable lists for things like freezer checklists etc. It wont be for everyone but might help some mners.

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dementedma · 20/08/2012 21:20

Re slow cookers. I love mine but it is too fast,even on its lowest setting to put it on in the morning and leave it until evening. Contents are mush. Best if you can nip home at lunchtime to switch it on or get someone at home to do so.
This is a great time to buy cheap glut tomatoes and make masses of pasta sauce in the slow cooker then freeze smaller portions. Add fresh basil for a lovely summery smell.

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Fluffycloudland77 · 20/08/2012 21:30

You can get timers to put on the plug socket, ebays a good bet or amazon.

I think modern ones are hotter than the ones our mothers might have had. I think mines running at 190w while it's doing the pork, still cheaper than putting a 2.5kw oven on for 2 hours though.

Pressure cookers are meant to be really good too though, just a bit more expensive to start out with.

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Leilandri · 20/08/2012 21:34

www.approvedfood.co.uk/ - fab for stocking up your cupboards, and for treat items, as long as you aren't fussy about best before dates.

As the weather starts drawing in, cover cardboard with tin foil and slip behind radiators - reflects the heat vack into the room.

If handy with a sewing machine - get some old curtains/blankets from charity shops and use them to line your nicer curtains to retain heat. Also make sure any floor length curtains are not obscuring the heat from radiators.

Check your levels of insulation in your home, and apply for a free grant - www.insulationgrants.info/?gclid=CMumwo-G97ECFQFItAod-UEAxA

NEXT year (bit late for this year now) sign up to Park Xmas savings - I DD a small amount each month and get vouchers (Love2Shop/Amazon) in November so Xmas is paid for gradually - www.getpark.co.uk/AgencyOnlineWeb/?sen=WEBP13W12&link=99&home=recruit&id=200799&gclid=CIDw_vOG97ECFcUNfAodKUoAlA

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Fluffycloudland77 · 20/08/2012 21:39

I had a leaflet pushed through the door the other day saying british gas were doing free insulation for lofts in the area. You didnt have to be a customer either.

I think they are obliged to do it to prove they are meeting their green targets, eon used to send out free energy saving lightbulbs but was told it wasnt good enough.

freestuffjunction.co.uk often have offers on for free loft/cavity wall insulation.

A tip I've learnt from pigletjohn on here is that your water tank should have two jackets on if it isnt covered in certain types of foam...which explains why my airing cupboard is warm.

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Xayide · 20/08/2012 21:50

I've found //www.thebookpeople.co.uk good for cheap DC presents - £10 for ten packs of books, plus at minute they have a box of cards- 30p per card for a wide variety of cards and previously they've had wrapping paper packs which were good value.

Soup, Aldi shopping, Asda clothes cheapish and good quality and getting money you need at start of week and trying to just spend that.

I'll have to comb the thread and find a few more tips.

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Xayide · 20/08/2012 21:50

£10 for packs of ten books - sorry wasn't very clear reading back.

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topbannana · 20/08/2012 21:54

RE: TV licences. You do need a licence to watch TV on a PC, smartphone etc if you are watching it LIVE. If you watch it on iPlayer, YouTube etc then you do not need a licence.
I phoned them up, explained we had a TV for the Wii and DVD but it was not connected to the aeriel and we never watched actual TV on it. I occasionally use iPlayer and checked whether I needed a licence for this and was told that I did not. They sent me a letter to confirm I had spoken to them, and explaining that they may send an officer round to verify- not a problem to me as I had nothing to hide.
Then the Olympics came and DS and I cracked on day 2 and bought a licence :o

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GilmoreGeek · 20/08/2012 21:54

Fluffycloud, thank you. I think I will try and find a cheap freezer somewhere, so far they have all looked quite expensive.

About the slow cooker, I won't have time to go home unfortunately and it might not be safe. I might just batch cook on weekends and freeze some stuff. I am doing my teacher training this year and will be out for about 12 hours a day at least it seems, so I don't want to risk anything burning. And having it all in neat servings would be good, that way I can just take it to work.

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Xenia · 20/08/2012 21:59

Perhaps don't consider the gym option and use the time saved to take on extra jobs and work.

I just drink tap water which saves money.

Cut your own hair.

See the thread about the women amongst us who earn £1k a day (much more fun than penny pinching).... Mind you we end up paying huge sums to men on divorce so may be not so wise.

Or find husband number 2 and make sure he is rich.

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myBOYSareBONKERS · 20/08/2012 22:00

OpinionWorld and Valued Opinions pay for completing surveys. I have had £20 in amazon vouchers so far.

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iloveberries · 20/08/2012 22:01

Where's that thread then xenia I'm intrigued

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Xenia · 20/08/2012 22:11

ilove, you may want to put on your hard hat before reading it as there were a few of my detractors on it - presumably people who never could in a month of Sundays earn £1k a day or were jealous or something. It started with someone saying she wanted to earn £1k a month and we went -0 well loads of women earn £1k a day - why not aim a lot higher.... I think it has a lot of interesting things on it including a summary of all the things I have done that have failed (there are a lot) but it won't be to everyone's taste and plenty of women like to assume they will always earn peanuts,pick low paid work, marry someone without much money and lead an average life on the average £20k a year pay or whatever. Perfectly legitimate choice but it can be fun to try riskier and more fun income generating things to.

www.mumsnet.com/Talk/freelancers/1538634-How-might-I-earn-1000-a-month-working-from-home

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Ohhelpohnoitsa · 20/08/2012 22:45

This reply has been deleted

Message withdrawn at poster's request.

renlo · 20/08/2012 22:46

If you have room for a small chest freezer, get one. We bought a cheap one from someone of Gum tree and installed in the garage. Means we can do multi buys on milk, bread, reduduced meats etc and other freezable items. My biggest money saving tip - join Costco if you have one near you, not everything is cheaper but some things are a real bargain. 10x 4 pack of velvet toilet roll for a tenner, 2x90 boxes of Finish dishwasher tablets for about £11 ish, 12 tins of chopped tomatoes for £2.99 and my personal favourite, 3x pack of Aveeno cream (the only thing that keeps my little gilr's eczema at bay) for £6 when just one cost that much in Boots! Bread is also excellent quality and a pack of two for £1.79 as as is massive kilo packs of qulaity mature chedder cheese for £4-5. Loads of other examples like bagels, peanut butter and packs of chicken breast etc which are excellent quality and excellent value. You do need somewhere to store them all though, hence the garage and chest freezer, lol! Having said that, my SIL and brother live in a 2 bed flat and she somehow finds places to keep her Cosco stuff so I guess it can be done if you have some imaginative storage ideas! We do a Costco shop every 6-8 weeks and spend about £50-80 but you can spend a lot more if you get carried away and know many people that do. Like everything else, if you stick to what you need, you're less likely to overspend.

We buy fresh fruit and veg from wherever is on offer and always buy value onions, carrots, potatoes etc. often, they are just pence and are but mishapen or have more earth on them. Inside, still the same stuff and goes down exactly the same way. If veg is reduced and still good, i buy, chop and freeze. I always buy 10kg bags of Basmati rice when on offer and last week they were £8 each in Morrisons cos it was Ramadam I think? Anyway, the two bags should last us the year at least. Cereals are either supermarket own brand whichever is cheapest or softly Aldi. The only cereal from Aldi that's a bit suspect IMHO is their version of Shreddies- they're awful but the rest are great. Nappies and wipes are probably our biggest expense, and again we look out for offers and stock up heavily whenever there is a good deal. I'm not ashamed to say I travelled 60 miles to an Asda branch recently when they were doing 9x packs of pampers wipes for £3.50 and cleared their shelves. I reckon we have enough wipes to see us through till we start potting training in about 6-7 months time (I hope!)

Toiletries and household cleaning products come from Aldi and the poundshop and Wilkinsons, as does cheap arts and craps type thingies that my kids seem to love...

I bake all our biscuits and cakes, so much nicer and I like knowing what I'm eating. I'm on the look out for a Panasonic bread maker for a good price so I can baking our own bread. I cook from scratch mostly and husband an I both take packed lunches to work. Also take in our own tea and coffee and take some milk in a bottle, ever since the work tea club hiked from £1.25 a week to £3.50 with no explanation!

I'm too lazy busy to meal plan but we set a budget of £300 for food and sundries each and we live very comfortably within this for the 4 of us.

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renlo · 20/08/2012 22:49

Meant £300 each month, not each, I wish!

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007alert · 20/08/2012 23:04

renlo your gp should prescribe Aveeno for you for your dd's eczema. Then it will be free. We have used the Aveeno bath additive, the cream and the lotion at times. All for nothing.

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renlo · 20/08/2012 23:13

Thanks 007alert. Our surgery no longer prescribes Aveeno because apparently they're not proven to be any more effective, which the pharmacist told me simply means they're too expensive. All I can get prescribed is oilatum which didn't work for us, hence why we buy. Believe me, if I could get it prescribed, I woul!

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cerealqueen · 20/08/2012 23:14

£3.50 a week for a tea club?! I hope that includes naice biscuits!

Loads of great ideas, just to add in case not said, Ebay only when it is a free listing weekend (look under announcements)

Freeze everything! Got a packet /jar of something, worried it may go to waste? Freeze it, eg pesto, whether homemade or shop bought, cheese, anything really will freeze though you may lose texture and consistency of some things, I often just google 'can I freeze....' and somebody will have tried it and said yey or nay.

Amazon is much cheaper for lots of toiletries, eg Olay stuff and usually free delivery.

Add a cup of oats to any mince dish, it will go much further

Slow cooker mush? Just buy a timer so it goes on later.

Switched extensions for plugs so you can turn off chargers etc, ebay sell them cheaply.

Cling film double glazing in winter.

Will think some more....

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renlo · 20/08/2012 23:25

cerealqueen -spooky, I just google 'Can I freeze eggs?' And found this: www.jamieoliver.com/forum/viewtopic.php?id=28849 which says I can, yay! I bought a 15 pack of free range eggs from the local market for pittance on Saturday and so far only used 3 so I'm going to try freezing the rest.

As for work tea club, don't get me started. No nice biscuits but have seen the cupboards stuffed full of fancy fruit teas and infusions which no doubt explains the hike. I'm not subsidising other people's expensive tastes.

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onetwothreefourfive · 20/08/2012 23:45

This reply has been deleted

Message withdrawn at poster's request.

amigoingmadhere · 21/08/2012 00:12

Have hardly had the time to read everything on here yet (summer hols with 3 dc and the mess that is my life right now) but so many good ideas.

wellwisher I will ask MNHQ to move this into the Credit Crunch topic as you suggested (how do you do that??) - I agree - I don't want to lose all this wisdom either! Am so glad it is serving its purpose for others as well.

I can see changing my ways financially is going to take up a LOT of my time - i.e. just reading about all the different price plans for things, meal planning etc. is very time consuming (which is pretty much why I haven't been more frugal until now, when it wasn't absolutely necessary).

Xenia just reminded me of the MN haircut (sorry if anyone else has mentioned too that I haven't seen) - have to try that! WIll read other thread on earning potential.

Iloveberries I am in the SE, so maybe could participate in market research.

OP posts:
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cakeismysaviour · 21/08/2012 01:31

If you have time, NEVER do your entire shop in one supermarket.

Take advantage of the various loss leaders in more than one supermarket.

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