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J0Al1 |
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J0Al1 World Chat Champion
Joined: 25 Nov 2006 Karma :
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Posted: 17:13 - 07 Jan 2007 Post subject: How do you economise? |
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Most of us are broke at this time of year. Or, if your luck is as bad as mine, some bastard has just ripped you off too.
What do you do to enconimise? I'm sure we could all benefit from eachothers ideas!
It has to be said, this is not one of my best skills . . . . .
If I buy a steak, it will be a good one
If I buy wine it will won't be cheap
If I make honey on toast - I always over do the honey
I regularly leave my computer on when I'm not using it
I always user FAR too much shampoo (the same goes for household cleaning products)
I'm always throwing away left over food
I oftain overflow my bath
Here is how I 'do' economise . . .
Girls - TESCO 'value' cleanser for babies, its the MOST fantastic eye makeup remover, smells nice at costs only about 49p for a large bottle.
I have switched to what I think is a cheaper energy company.
I keep as much of my money in a savings account (not my bank)
I always make a packed lunch for work
I 'try' and do my own DIY
I always have my bath at night - not in the morning ( AH HA - why's that cheaper?)
I use Ebay (or other online webistes that offer discounts)
I nick selotape from work!
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WildGoose |
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WildGoose White Van Man
Joined: 21 Mar 2002 Karma :
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JodieWodie |
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JodieWodie Reflective Banana
Joined: 22 Jul 2004 Karma :
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Posted: 17:51 - 07 Jan 2007 Post subject: |
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We don't economise at all
AT ALL
We live life like we are big kids
We earn money, then spend it on junk
Three quarters of OHs wages go on DDs such as mortgage, sky plus, telephones, blah blah... we like our luxuries
All of my wages go on shopping, junk stuff and whatever we see and want to buy
For example just before Xmas we had a few spare quid, not much, but a bit, so we bought ourselves an Xbox360.
"Do you think this is a good idea Jo"? "Dunno, lets just buy it and see"
When we go food shopping, we hardly ever look at prices. If we want it/need it/see it then we chuck it in the trolley. We go in with a 'sort of' idea how much we want to spend, and try not to go too mad
At the end of each month we seem to just about manage, and has always been that way. We get paid in one weeks time at the mo, and we have enough until then, so it is a good month ____________________ Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow" |
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Mudskipper |
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Mudskipper World Chat Champion
Joined: 22 Aug 2006 Karma :
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Posted: 17:55 - 07 Jan 2007 Post subject: Re: How do you economise? |
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Monkeypie wrote: | I nick selotape from work!
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JUST sellotape?!?! Bah! Amateur!
Parcel tape, padded envelopes, A4 paper, A4 file pouches, pens, markers, staples, post-it notes, sticky labels and TFT monitors* can all be had at the bargain price of £0.00 from my work!!
Mudskipper
*The last item on the list WAS a joke by the way! ____________________ CBR125|||GSXR400|||CBR400|||CBR400|||CB250RS|||GSXR750|||CB250RS
"You're clumsy, you eat too much and you behave like a 12 year old boy. But you know what? Every once in a while, you find a thumb." |
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karen_moomin |
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karen_moomin World Chat Champion
Joined: 11 Apr 2004 Karma :
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Posted: 18:01 - 07 Jan 2007 Post subject: |
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Buying lunch at work is possibly where I fritter away a lot of money. We are all as bad as each other at work. We have a choice of oatcakes, McD's, KFC, bagettes, pies, fish & chips from local shops....the choice is endless (and not too healthy either!!). My boss even called to get pizza delivered on Friday lunchtime, that was when we realised it had gone too far!
I try to economise when I do the food shopping, we mostly by supermarket own brands (certainly cat food and cleaning products, for example).
We have started to take baths instead of showers (our water rates are fixed, and the water is heated from when we have the heating on anyway).
We have savings accounts set up for things like Christmas, things that need doing to the house etc, so when we need to buy stuff it doesn't eat into our wages as such. This makes a huge difference and doesn't leave you broke in January.
Moneypie - Thanks for the tip about the Tesco Value cleanser, I will be trying that!! |
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JodieWodie |
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JodieWodie Reflective Banana
Joined: 22 Jul 2004 Karma :
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Posted: 18:04 - 07 Jan 2007 Post subject: Re: How do you economise? |
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Mudskipper wrote: |
Parcel tape, padded envelopes, A4 paper, A4 file pouches, pens, markers, staples, post-it notes, sticky labels and TFT monitors* can all be had at the bargain price of £0.00 from my work!!
Mudskipper
* The last item on the list WAS a joke by the way! |
Of course the last item was a joke MS We believe you
I do of course also 'lend on a longterm basis' certain work items such as paper clips, tape, staples, pens..and other various things. There are other things too, but we won't go into that because of legal repercussions
I actually have a lil picture on my office wall behind my desk from toothpastefordinner.com that says "the office stationery doesn't just steal itself people" , or similar
Those drawings are ace
Ooo...I found it>> ____________________ Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow" |
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McJamweasel |
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McJamweasel BCF Junkie
Joined: 22 Mar 2002 Karma :
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Posted: 18:06 - 07 Jan 2007 Post subject: |
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Ace Money might help you - its basically a fancy spreadsheet that lets you track what you are doing with your money and where it will be going in the next few weeks.
https://www.mechcad.net/products/acemoney/
If you pay for it you can have multiple accounts set up, so you can have your credit card and savings on there. ____________________ BCF: Be yourself, just don't be an arse. |
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Sparks! |
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Sparks! Sir Tart-a-lot
Joined: 30 Aug 2003 Karma :
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Posted: 18:13 - 07 Jan 2007 Post subject: |
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Last year I used to buy lunches and so on from shops when at work, it was costing like.. £10 a day sometimes.. thats £40/£50 a week depending on how much I spend, sometimes less.. it was fucking ridiculous and I don't know why I done it to be honest. Just lunch stuff can be so expensive.. up to £3/4 for a fuckin sandwich??
So far this year (1 week back) I've spent less than £10 for the whole week.. I now make lunches to take to work, the £10 I spent was mostly from the first day back when I had to buy lunch as I didn't have anything at home.. after that I've only spent about £1.50 a couple of days on some drinks.. even cheaper if I get the drinks at start of week from tesco in bulk. its saving a lot of money, my bank statements usualy have about 25/30 outgoings per week now its about 5.. if that.. definetly going to save a lot of money if I keep this up... and its probably healthier.
So i think lunches and food at work is where most money can be saved..
Other than that.. tesco/asda own brand everything does the trick don't drive if you can walk or cycle just as quick.. saves on some petrol/diesel.
Another big expense can be magazines, if you buy a lot, do you really need/want to ? I don't really buy any these days, maybe the odd one, but thats about it.. used to buy about 6 per month...
Dvd rentals? go online, www.lovefilm.com a lot cheaper than going to blockbusters every week and a lot less hassle too.. and you dont get tetmpted to buy sweets/drinks as you dont have to go into the stores....
just some ideas really.... im gonna be trying to save as much money on stuff for a while now due to not having much at the minute so far so good ____________________ Current Toys: 06 Yamaha WR250F | Nissan 350Z GT | Tech 4 Homes |
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Villers |
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Villers World Chat Champion
Joined: 13 Sep 2004 Karma :
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Posted: 18:24 - 07 Jan 2007 Post subject: |
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My biggest problem is getting paid once a month and then living like a ten bob millionaire for the week. Mostly going out/ebay shite/clothes/takeaways
This year Im limiting my self to one proper night on the beer a week, instead of the usual thurs/fri/sat/sun (not every week obviously), not drinking so much in the house (nightly trips to tesco for x amount of cans + petrol adds up), less dinners at work 4-6 quid a day.
Likes been said it all adds up very quckly! ____________________ RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille ≥ Sv1000s somehow
'You came on your own, thats how you'll leave' |
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TomR6 |
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TomR6 World Chat Champion
Joined: 25 Dec 2006 Karma :
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Posted: 20:35 - 07 Jan 2007 Post subject: |
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Im terrible for these things:
Leaving doors open
Leaving lights on
Leaving TV + Computer on
Spending money on shite I dont need
Although do save some money by:
Buying at HMV using student card, even though I havent been a student for a couple of months
restrict myslef to a 'sub of the day' even though I want that chicken tikka one
Try to buy bus tickets in advance to save money |
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Mudskipper |
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Mudskipper World Chat Champion
Joined: 22 Aug 2006 Karma :
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Posted: 21:20 - 07 Jan 2007 Post subject: |
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I'm hopeless at budgeting.
However, I have learnt a few things:
Supermarket 'economy' versions can be good choices for some things. Teabags are NOT one of these!
Always put washing on last thing at night, it's cheaper (same as the bath concept i guess). And NEVER use a tumble drier!!
NEVER food shop on an empty stomach.
If you're popping to the shops for milk and bread, take enough cash for milk and bread. And no debit/credit cards.
I'm a bit of a saddo in that I will often tot up how much my shopping costs as I'm pushing the trolley around. You need to concentrate, but when you've got up to 20 quid and all you see in there is fruit, veg and a pack of mince it makes you think about what you could do without buying! I also set an amount for that trip, and take that much cash with me. If I'm nearly at limit with things still to get, I have to reassess what's in there.
Yes, I probably spend to long in the supermarket!! But the other reason for my trolley vigilance is that I can only buy what my panniers and rucksack (and cargo net, at a push) can hold!!
I would say to NEVER sacrifice your little pleasures/luxuries (steak/honey/wine/shampoo), but perhaps to make yourself 'earn' them by making do in other areas.
Like, for example, make dull crappy sandwiches for a week (if you usually buy expensive shop sandwiches day-to-day), and think 'right, that's saved me 20 quid, so i will bloody well use that for a nice weekend steak & bottle of wine/takeaway & crate of beer!' You'll have looked forward to it, so it'll be even more enjoyable.
Mudskipper ____________________ CBR125|||GSXR400|||CBR400|||CBR400|||CB250RS|||GSXR750|||CB250RS
"You're clumsy, you eat too much and you behave like a 12 year old boy. But you know what? Every once in a while, you find a thumb." |
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shonajoy |
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shonajoy Nitrous Nuisance
Joined: 15 Dec 2006 Karma :
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J0Al1 |
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J0Al1 World Chat Champion
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Handsome |
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Handsome World Chat Champion
Joined: 30 Dec 2005 Karma :
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TheShaggyDA |
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TheShaggyDA Repost Police
Joined: 14 Jun 2004 Karma :
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Posted: 22:05 - 07 Jan 2007 Post subject: |
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I'm a fan of simple living, and although it's not for everyone does lend itself to focussing on frugality and budgeting. This is one of my favourite sites :-
https://www.december.com/simple/live/
Another good site is Motley Fool, which is a good place to start when looking at your finances :-
https://www.fool.co.uk/money-saving-tips/money-saving-tips.aspx
Here's some more from my favourites, and although a lot are Americentric, do have good information on watching where the money goes.
https://www.stretcher.com/index.cfm
https://jmooneyham.com/poor.html
https://www.frugalvillage.com/forums/index.php ____________________ Current: CB500 Previous: CB100N, CB250RS, XJ900F, GT550, GPZ750R/1000RX, AJS M16, R100RT, Enfield Bullet
[i:6e3bfc7581]But still I fear and still I dare not laugh at the madman...[/i:6e3bfc7581] |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 22:13 - 07 Jan 2007 Post subject: |
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I can't believe how hot a lot of peoples houses are.
I economise by keeping the heating set at what I call a 'comfort minimum'. If it gets a bit chilly, I put on another jumper, sometimes even a hat.
So, I have the heating on for an hour twice a day at this time of year. When the GF was up last, I had it on for 12 hours before she arrived and she still whinged about being cold .
I also switch the lights out when I leave a room, which is something I notice a lot of people don't do. |
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Harold_Shand |
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Harold_Shand World Chat Champion
Joined: 07 Jun 2004 Karma :
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angryjonny |
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angryjonny World Chat Champion
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TheShaggyDA |
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TheShaggyDA Repost Police
Joined: 14 Jun 2004 Karma :
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Posted: 23:14 - 07 Jan 2007 Post subject: |
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stinkwheel wrote: | I also switch the lights out when I leave a room, which is something I notice a lot of people don't do. |
Something my physics teacher told me was that the energy required to initially light an incandescent bulb is equivalent to the amount required to keep it burning for 3 minutes, so if you are leaving the room for less than that, leave the light on.
I've not checked this figure at all, but it sounds believable. ____________________ Current: CB500 Previous: CB100N, CB250RS, XJ900F, GT550, GPZ750R/1000RX, AJS M16, R100RT, Enfield Bullet
[i:6e3bfc7581]But still I fear and still I dare not laugh at the madman...[/i:6e3bfc7581] |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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zaknafien |
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zaknafien
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strawberry |
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strawberry Scooby Slapper
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McGee |
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McGee O RLY?
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J0Al1 |
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J0Al1 World Chat Champion
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queen of string |
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queen of string World Chat Champion
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Old Thread Alert!
The last post was made 17 years, 114 days ago. Instead of replying here, would creating a new thread be more useful? |
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