Following on from a previous thread there are a fair few mumsnetter trying to get out of and stay out of debt....chatting about it and moaning about skint
We are a friendly bunch please come in
A round up of a lot of the tips/links so far:
- Decent food budgetting/planning - Email Flamesparrow at gmail dot com for a copy of Capp?s spreadsheet! (Didn?t want to tell everyone to CAT you Capp unless you wanted them to )
- uswitch
- s/o for savings AND a s/o for treats
- Work out the birthdays that will be coming across the year and make sure I put aside enough each month to cover the hell months.
BUDGET
Work out a spreadsheet for your monthly/weekly spending. Spend a couple of months tracking every penny you spend ? you will be able to see where your money trickles away to!!!
SHOPPING
*Shop online if you make a comprehensive list (it will cost more if you miss lots off)
*Menu plan ? easier to make a stickable to shopping list
- Use Quidco to get money back on shopping
- If you can be trusted to pay it all off before the end of the month, do your shopping on a Tesco credit card to get the points to use elsewhere
- Eat before you shop
- Buy extras like milk and bread at the corner shop ? what slight extra you pay for the milk, you save on not seeing tempting offers!! (4 pts of milk is actually CHEAPER at my corner shop than Tesco Express)
- Sign up for anything that will send you free vouchers
- Pay at the self service machines in Tesco as they accept all vouchers regardless of purchases
- Avoid gift/cleaning aisle in shops ? you buy things you don?t need
FOOD
? Menu plan! It can be a 2 or 3 week mix n match type thing, but have some plan to help you shop
? Work out which foods can be economised on, and which are just not worth it ? value mushrooms are just an odd shape, value mince is more fatty, but if you strain it it is fine, but frozen mince tastes like disintergrated cardboard
? Cook bulk meals and freeze ? 2 packs of mince can often make 3 meals, where as 1 pack makes 1 n a bit
? Bulk meals out with lots of veg ? again, a Bolognese sauce goes a lot further if its filled with peppers, grated carrots etc
? Take drinks out with you so you are not forced to buy
? Get Fruit and Veg at markets (have discovered that DH works next to the people who supply the organic veg box people ? we are now getting organic veg for less than basic tesco veg prices
GIFTS
? Keep a list of birthdays with you so you can buy presents as you spot bargains
? Save for Christmas NOW ? Use a club or a separate savings account with a standing order - don?t wait and see what you can afford at the end of the month ? you won?t be able to
GENERAL
? Save up spare £1 coins and coppers etc ? You can get it changed at most Sainsbury?s in a machine ? it does take some of your money in a charge, but I never get it changed if I have to take it to a bank, so it makes more sense.
? Claim back you bank charges if you have them
? Cut up credit cards ? If it is not a matter of starvation or eviction, it is NOT an emergency
ITS NOT A BARGAIN IF YOU DIDN?T NEED IT IN THE FIRST PLACE!!!