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Advice needed by a decadent spender.
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By (user no longer on site) OP
over a year ago
|
Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome. |
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Simple things that seem small but build quickly.
Stop going to various well known coffee shop chains. Take your own coffee or water.
Switch to well known "budget" supermarkets, lots of the food is equivalent or even superior.
Walk more if you can instead of using car/bus.
Get your bank to do a health check on your account, should be free and you may find direct debits that you no longer need to be paying (insurance on appliances etc.) |
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By *eliWoman
over a year ago
. |
Look at MSE's wallet workout - honestly really helpful.
Switch bank accounts and gas and electricity if possible, incentives are often given.
Withdraw X amount of money weekly to spend and spend only that.
Before you purchase any items check websites to see if cashback is available (Topcashback to name but one). If you enjoy eating out there's Tastecard and you can always check Vouchercodes for discounts.
It might be a good idea to siphon your salary in to separate accounts when it hits your bank - essentials, clothing, entertainment etc.
There was a really good thread that Estella OPed, will try and find it. |
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By *itty9899Man
over a year ago
Craggy Island |
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome."
When you go shopping stop, ask yourself if you really need it. |
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By *r TriomanMan
over a year ago
Chippenham Malmesbury area |
Posted on jacs thread so all those points - basically ditch all the nice to have and go basic but don't rule out the occasional luxury otherwise your life could become a drudge.
Hard if you have family to support but try and substute things that you pay for with cheaper alternatives; swop night's out with fiends for nights in with them and take turns to hoste. Picnics, walks and cycles instead of costly venues. Join a local free club maybe even vunteer for something. Make do and mend/up-cycle. Shower at work instead of at home (I joined the work fun which is substituted and had my one shows a day after training). Use less of your utilities (half a bowl of water for washing up, 5 min shower, turn heating down by 1 to 2 degrees in winter, by energy saving bulbs and switch off unnecessary lights. Change utility providers to get lower prices.
I'm sure there's loads more; checkout Martin Lewis's site. Good luck |
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By (user no longer on site) OP
over a year ago
|
"Simple things that seem small but build quickly.
Stop going to various well known coffee shop chains. Take your own coffee or water.
Switch to well known "budget" supermarkets, lots of the food is equivalent or even superior.
Walk more if you can instead of using car/bus.
Get your bank to do a health check on your account, should be free and you may find direct debits that you no longer need to be paying (insurance on appliances etc.)"
I’m writing everything down. Many thanks you  |
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By (user no longer on site)
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome."
when we go out for drinks don't go Dutch  |
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By (user no longer on site) OP
over a year ago
|
"Look at MSE's wallet workout - honestly really helpful.
Switch bank accounts and gas and electricity if possible, incentives are often given.
Withdraw X amount of money weekly to spend and spend only that.
Before you purchase any items check websites to see if cashback is available (Topcashback to name but one). If you enjoy eating out there's Tastecard and you can always check Vouchercodes for discounts.
It might be a good idea to siphon your salary in to separate accounts when it hits your bank - essentials, clothing, entertainment etc.
There was a really good thread that Estella OPed, will try and find it."
Love ya, but you already know that. Thank you. |
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By (user no longer on site) OP
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome.
When you go shopping stop, ask yourself if you really need it."
This is where I fail... |
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Highly recommend the Monzo online bank account to really get a grip on where your money goes each month and help identify where you can cut it down. It also offers the option to open savings pots within your account, so it stores the money away from your overall balance (though you can decide to pop it back into your main account at any time).
There's a great thread on FB called 'Eating for £1 a day' - lots of ideas in there for cutting down on food bills, reducing waste and generally being a bit more savvy about food.
Inviting friends round for home cooked dinners and wine rather than eating out; way cheaper if you take turns 
Not sure if this is relevant, but if you use Uber a lot, try downloading the Bolt and Kapten apps - a lot of drivers work for all three, but the teo new ones have a lot of discount codes for up to 50% off.
If you like the theatre/arts/music, join Central Tickets for really cheap or sometimes free 'seat filler' places to everything from regional to West End productions and events. |
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By (user no longer on site) OP
over a year ago
|
"Posted on jacs thread so all those points - basically ditch all the nice to have and go basic but don't rule out the occasional luxury otherwise your life could become a drudge.
Hard if you have family to support but try and substute things that you pay for with cheaper alternatives; swop night's out with fiends for nights in with them and take turns to hoste. Picnics, walks and cycles instead of costly venues. Join a local free club maybe even vunteer for something. Make do and mend/up-cycle. Shower at work instead of at home (I joined the work fun which is substituted and had my one shows a day after training). Use less of your utilities (half a bowl of water for washing up, 5 min shower, turn heating down by 1 to 2 degrees in winter, by energy saving bulbs and switch off unnecessary lights. Change utility providers to get lower prices.
I'm sure there's loads more; checkout Martin Lewis's site. Good luck"
So good. Thank you. |
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By (user no longer on site) OP
over a year ago
|
"Highly recommend the Monzo online bank account to really get a grip on where your money goes each month and help identify where you can cut it down. It also offers the option to open savings pots within your account, so it stores the money away from your overall balance (though you can decide to pop it back into your main account at any time).
There's a great thread on FB called 'Eating for £1 a day' - lots of ideas in there for cutting down on food bills, reducing waste and generally being a bit more savvy about food.
Inviting friends round for home cooked dinners and wine rather than eating out; way cheaper if you take turns
Not sure if this is relevant, but if you use Uber a lot, try downloading the Bolt and Kapten apps - a lot of drivers work for all three, but the teo new ones have a lot of discount codes for up to 50% off.
If you like the theatre/arts/music, join Central Tickets for really cheap or sometimes free 'seat filler' places to everything from regional to West End productions and events."
Thank you for sharing. Will check out Monzo. |
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Set up something like a Monzo account, prepaid card, then use it as a monthly shopping card. See how much via online banking you paid out to supermarket or shops in the last month, when you have the figure, put that money less £10 and see if you can stay under your budget. I make it a game now, trying desperately to have money left over  |
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"Highly recommend the Monzo online bank account to really get a grip on where your money goes each month and help identify where you can cut it down. It also offers the option to open savings pots within your account, so it stores the money away from your overall balance (though you can decide to pop it back into your main account at any time).
There's a great thread on FB called 'Eating for £1 a day' - lots of ideas in there for cutting down on food bills, reducing waste and generally being a bit more savvy about food.
Inviting friends round for home cooked dinners and wine rather than eating out; way cheaper if you take turns
Not sure if this is relevant, but if you use Uber a lot, try downloading the Bolt and Kapten apps - a lot of drivers work for all three, but the teo new ones have a lot of discount codes for up to 50% off.
If you like the theatre/arts/music, join Central Tickets for really cheap or sometimes free 'seat filler' places to everything from regional to West End productions and events.
Thank you for sharing. Will check out Monzo."
Just seen someone has already recommended them, try and get someone to send you a link and you'll and they get £5 with your first shop |
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By *ady LickWoman
over a year ago
Northampton Somewhere |
Do a menu for the week and do a weekly shop for it at Aldi or Lidl we saved £250 a month by doing that (family of 5).
I've just swapped breakdown cover to my bank saving £20 a month off the AA's cover. I didn't know my bank done that.
If you have a credit card or loan try and pay more a month. Better still cut the cc up!
Saving money is hard but it can be done! Good luck |
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Get rid of sky if you have it. If you’re desperate to keep it ask to leave and they will offer a better deal.
Look at cheap mobile providers such as sky or Plusnet (better deals if you have other products with them). I pay £3 with sky for an unlimited minutes and texts contract. After I left sky tv the mobile side let me keep the deal rather than loose me. I pay Plusnet £6 for unlimited minutes and texts but get the deal as I have their broadband. Which is under £30 a month for high speed unlimited.
Car rescue look at that money site. I use their recommended budget one at about £40 for the year for uk cover.
Haggle insurance renewals. I tend to stay with my insurers because they will usually match the best like for like quotes.
I’m very experienced at being poor. |
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By (user no longer on site) OP
over a year ago
|
"
Thank you for sharing. Will check out Monzo.
I think I might have a golden ticket left (for immediate access to an account, no waiting time) - can pop it over to you if you'd like "
Please |
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"Simple things that seem small but build quickly.
Stop going to various well known coffee shop chains. Take your own coffee or water.
Switch to well known "budget" supermarkets, lots of the food is equivalent or even superior.
Walk more if you can instead of using car/bus.
Get your bank to do a health check on your account, should be free and you may find direct debits that you no longer need to be paying (insurance on appliances etc.)
I’m writing everything down. Many thanks you "
Plenty more as well, some of which people have already said.
Well worth checking what your local council offer. Here was able to join their electricity/gas cooperative scheme to bring bills down massively. Also loft insulation for only £99 to reduce heating bills.
Keep a record for a month (scary to do) but identify where your big outgoings are and then see what can be done on those, but never ignore the frequent little things. |
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By (user no longer on site) OP
over a year ago
|
"Set up something like a Monzo account, prepaid card, then use it as a monthly shopping card. See how much via online banking you paid out to supermarket or shops in the last month, when you have the figure, put that money less £10 and see if you can stay under your budget. I make it a game now, trying desperately to have money left over "
Making it ‘fun’ is a great idea... |
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By (user no longer on site) OP
over a year ago
|
"Do a menu for the week and do a weekly shop for it at Aldi or Lidl we saved £250 a month by doing that (family of 5).
I've just swapped breakdown cover to my bank saving £20 a month off the AA's cover. I didn't know my bank done that.
If you have a credit card or loan try and pay more a month. Better still cut the cc up!
Saving money is hard but it can be done! Good luck "
Thank you so much. |
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By (user no longer on site) OP
over a year ago
|
"Get rid of sky if you have it. If you’re desperate to keep it ask to leave and they will offer a better deal.
Look at cheap mobile providers such as sky or Plusnet (better deals if you have other products with them). I pay £3 with sky for an unlimited minutes and texts contract. After I left sky tv the mobile side let me keep the deal rather than loose me. I pay Plusnet £6 for unlimited minutes and texts but get the deal as I have their broadband. Which is under £30 a month for high speed unlimited.
Car rescue look at that money site. I use their recommended budget one at about £40 for the year for uk cover.
Haggle insurance renewals. I tend to stay with my insurers because they will usually match the best like for like quotes.
I’m very experienced at being poor. "
I have so much to learn.... thank you. |
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By *sgigglersCouple
over a year ago
Stoke on Trent |
A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it |
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By (user no longer on site) OP
over a year ago
|
Thank you everyone. Didn’t expect so many ideas. Can’t thank you personally anymore as it’s me doing too many messages but I’m really grateful...keep them coming! |
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By (user no longer on site)
over a year ago
|
"Look at MSE's wallet workout - honestly really helpful.
Switch bank accounts and gas and electricity if possible, incentives are often given.
Withdraw X amount of money weekly to spend and spend only that.
Before you purchase any items check websites to see if cashback is available (Topcashback to name but one). If you enjoy eating out there's Tastecard and you can always check Vouchercodes for discounts.
It might be a good idea to siphon your salary in to separate accounts when it hits your bank - essentials, clothing, entertainment etc.
There was a really good thread that Estella OPed, will try and find it."
The tip about withdrawing cash for the week really works. I think when you put it on a card you don’t see it as money, if that makes sense.
I also go through our accounts every week so I know where we are up to. I pay all bills by DD to spread cost and don’t get hit with huge fuel bills in winter.
If you’ve got a credit card with a balance on, see if cheaper transferring to a loan.
For non necessities, online shop, put in basket and leave for a day to see if you really do want it.
Don’t do without the odd treat though! X |
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By *ady LickWoman
over a year ago
Northampton Somewhere |
"A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it "
I done that but did buy car insurance. The cinema deal is great 2 for 1, it means we can actually go now although I still take my own sweets and drinks! |
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By (user no longer on site)
over a year ago
|
Batch cook, each meal you make, make tons of it and freeze the rest in portions, after a week you will have weeks worth of meals that just need microwaving each night (or oven if you do something like lasagnes in silver takeaway trays) but it also saves you time, effort in the long run, money coz you bought the meat in bigger packs, and electric/gas coz you did the bulk of the cooking in one go!
Stretch your food out with value tin tomatoes/veg/water.
Buy frozen veg, you only use what you need rather than throwing half a tin of sweet corn away.
|
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By (user no longer on site)
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome."
dont blame me  |
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By (user no longer on site) OP
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome.
dont blame me "
I’m in awe of you and felt inspired... |
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By (user no longer on site) OP
over a year ago
|
"There's a great programme on at the moment, I think it's called eat well for less. They have some brilliant ideas on there. All on the internet of course so no need to buy the books "
Clever lass... |
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By (user no longer on site)
over a year ago
|
Save money on toilet paper by taking a shower immediately after a dump and going for the bidet effect. If you only have a fixed shower, you may need to become adept at shower-handstands. |
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By (user no longer on site)
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome.
dont blame me
I’m in awe of you and felt inspired..."
says me looking at some red glitter 6 inch heels but im not tempted |
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By (user no longer on site) OP
over a year ago
|
"Fuck men for money.
Knowing me I’d forget to take the money...
Knowing men they'd forget to give you your orgasm "
Nah. I have amazing muscle control. They won’t be forgetting to please me. Anyway away with you. This thread is clean... |
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By (user no longer on site)
over a year ago
|
"Fuck men for money.
Knowing me I’d forget to take the money...
Knowing men they'd forget to give you your orgasm
Nah. I have amazing muscle control. They won’t be forgetting to please me. Anyway away with you. This thread is clean...but I love anal sex"
Ok bae
|
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By (user no longer on site) OP
over a year ago
|
"Fuck men for money.
Knowing me I’d forget to take the money...
Knowing men they'd forget to give you your orgasm
Nah. I have amazing muscle control. They won’t be forgetting to please me. Anyway away with you. This thread is clean...but I love anal sex
Ok bae
"
Dream stuff? |
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By (user no longer on site)
over a year ago
|
"Fuck men for money.
Knowing me I’d forget to take the money...
Knowing men they'd forget to give you your orgasm
Nah. I have amazing muscle control. They won’t be forgetting to please me. Anyway away with you. This thread is clean...but I love anal sex
Ok bae
You are my dream, do you want to fuck me?"
Well ok |
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By (user no longer on site) OP
over a year ago
|
"Fuck men for money.
Knowing me I’d forget to take the money...
Knowing men they'd forget to give you your orgasm
Nah. I have amazing muscle control. They won’t be forgetting to please me. Anyway away with you. This thread is clean...but I love anal sex
Ok bae
You are my dream, do you want to fuck me?
Well ok "
My arse is too much for you. Leave... |
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"
Thank you for sharing. Will check out Monzo.
I think I might have a golden ticket left (for immediate access to an account, no waiting time) - can pop it over to you if you'd like
Please "
Can't PM you due to filters...pop me a message and I'll reply with it |
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By (user no longer on site)
over a year ago
|
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome.
When you go shopping stop, ask yourself if you really need it.
This is where I fail..."
It's just you I think I'm in that group aswell  |
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By *sgigglersCouple
over a year ago
Stoke on Trent |
"A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it
I done that but did buy car insurance. The cinema deal is great 2 for 1, it means we can actually go now although I still take my own sweets and drinks! "
Us too! Theres a pound shop virtually next door to our cinema, everyone swans in with poundland bags & the cinema staff don't bat an eyelid |
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Evaluate your spending, so that you can understand where your money is going.
Consider what things you would be happy to lower or remove.
Always shop around. Don't buy if you don't need to.
Use cashback sites. |
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By *rReyMan
over a year ago
Fleet |
"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome."
Find yourself a Yorkshireman, our war cry is "HOW MUCH?" |
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By *ENGUYMan
over a year ago
Hull |
If you don't drive and rely on public transport, try Railcards which cover a lot of age or population type demographics. These give you 33% discount on train tickets and if you can book ahead, you get even better deals.
EG. I travel home to Hull from Warwick & back every 6-8 wks. Usual walk on fare can be as much as £90 return; I pay as little as £23 return. No hassles with traffic, parking etc. Some train companies throw in free or heavily discounted entrance to stately homes or tourist venues, cut price theatre and cinema tickets, even 2 for 1 deals in restaurants, bars and hotels.
|
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By (user no longer on site)
over a year ago
|
Helps if your a bit of a Jew like me, so I'm good with money and dont do manual work. Saying that I just spent 2k in a day buying loads of shit on Amazon for new house. It's all arriving Monday. Oh what fun that's going to be.
Yes starting all over again is hard to begin with. I hope it gets better. |
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By (user no longer on site)
over a year ago
|
"A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it
I done that but did buy car insurance. The cinema deal is great 2 for 1, it means we can actually go now although I still take my own sweets and drinks!
Us too! Theres a pound shop virtually next door to our cinema, everyone swans in with poundland bags & the cinema staff don't bat an eyelid "
I take my own booze to the cinema. Smuggle it in and add to the Tango Blast. That way crap films your other half wants to watch are more enjoyable. |
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By *sgigglersCouple
over a year ago
Stoke on Trent |
"A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it
I done that but did buy car insurance. The cinema deal is great 2 for 1, it means we can actually go now although I still take my own sweets and drinks!
Us too! Theres a pound shop virtually next door to our cinema, everyone swans in with poundland bags & the cinema staff don't bat an eyelid
I take my own booze to the cinema. Smuggle it in and add to the Tango Blast. That way crap films your other half wants to watch are more enjoyable."
I like that idea! Trying it next visit |
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By (user no longer on site)
over a year ago
|
"A trick we were recently told (and it works!) is head to a well known meerkat site, buy a one day travel insurance policy (ours cost £1.01) and you will then be entitled to their deals on two for one cinema tickets & meals at loads of places.
Ok it's still going out so still spending money, but it it's a cheaper way to do it
I done that but did buy car insurance. The cinema deal is great 2 for 1, it means we can actually go now although I still take my own sweets and drinks!
Us too! Theres a pound shop virtually next door to our cinema, everyone swans in with poundland bags & the cinema staff don't bat an eyelid
I take my own booze to the cinema. Smuggle it in and add to the Tango Blast. That way crap films your other half wants to watch are more enjoyable.
I like that idea! Trying it next visit "
I recommend the 'every day value vodka" from Tesco's. Every little helps. |
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By (user no longer on site)
over a year ago
|
There are unite a few ways to save, from using public transport and shopping in more budget supermarkets, to changing things at home so you’ve got cheaper overheads. I’ve had to do it myself so I know quite a bit about this, keeping costs down at first seems hard but it does work out quite well and you notice it quite quickly too. If you want any further advice, feel free to ask xx |
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"Divorce is expensive. Moving to start a new life is expensive. Brilliant thread by Jacs that I’m borrowing from. Please tell me how to save money. All tips/ advice welcome.
dont blame me
I’m in awe of you and felt inspired...
says me looking at some red glitter 6 inch heels but im not tempted"
I buy all my georgeous sparkly dresses and shoes on ebay. I just got 5 pairs of different colour sparkly heels for a total of 36 quid. So sure its second hand ut if it means i get yummy heels or go without then im going secondhand! |
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