Tuesday, 25 September 2012

where does alll the money go?

I have been thinking a lot of late about what is in my purse and what money will be available when I retire. Did a little math and decided I dint like the result. So where do I go from here. Savings will be the ultimate goal and one that I have "just" started. Can remember someone saying to me "when you save it has to hurt a little" so I looked at the House keeping and decided the following...

Buy bread when the reductions are genuine if not shut up and bake!

Consider saving to be a household bill after all you know you need to allot x amount for the phone bill etc why not savings

 is there anything more I can do to learn how to re skill if so what is the best option, Nanny used to say to cheep isn't necessarily better think about what you will gain long term.I know that's what I'm doing by having sewing lessons.(see nanny gone you may be but never forgotten)!

Can I change providers for my services and if so where is the best deal and then check again to see if it is.
When we moved we were compelled to have B.T for our phone and broad band. one grudging phone and an 18 month contract later I bitterly got off the phone. In a couple of months I can move yea! Whilst I am sure for some B.T offer very good deals it has not been so I feel for me. Cheapest monthly payment I could get at the time was £50. Suggestions anyone?

 So I am systematically going through the utility and dedicating myself to walking to where I need to go more often. Looking at what I can buy locally, even if the price is higher I would need to add in the cost of transport to bring it home. So does it make it cheaper?

One habit I am getting into it to go on line supermarket web sites and "grocery shop" there. And by copy and pasting what I need and printing it out I have a record to take with me and I either shop local or see if a trip to town will be worth the expense.
 Next on my list is a wheeled shopping trolley I am truly tempted to buy one new so if it dies I have some comeback.

 One thing I know is I will be posting some of my unwanted bits on eBay or doing a car boot myself. During the year I had some very pretty and practical finds (will post them soon) and the items they replaced will be loved by someone else so OUT THEY GO!

 If anyone out there has any personal grooming tips to keep me feeling good but for no or very little cost I would LOVE to hear from you,
 Went for a bit of read and came across how to make your own mamma pads (washable sanitary towels) Have you or anyone you know done this and was it a good experience? I am also toying with the idea of family wipes as well (personal use)

 I have decided to go and get my very occasional haircuts dome by a student at the local college apparently a wash cut restyle and blow dry is £8 and a cut n dry only £6.00.
 Okay any suggestions, points of views or how toos' would be much appreciated.
 Take care of yourselves
stock pictures taken from the web


  1. They all sound like good ideas. I must admit I don't pay anything for a haircut. I just tip my wet head upside down and chop across the bottom.

    Best of Luck Arwedd xx

  2. Helooo Arwed
    Did that once to my hair and resulted in a v expensive trip to the hairdresser, dear god you should have seen the carnage!
    Just been back to the library and gleaned a few more recipes which I will post this week.
    Thanks for dropping by was wonderful to hear from you

  3. Hello! I always read your comments on Froogs blogs and I could never click your name to bring me here :-) I'm glad you blog, because I really like reading your comments!!!!

    With your telephone, it's worth checking the different broadband packages . A few years ago I switched over to Orange as I don't have to pay line rental to BT with them. So my phone, calls ( free after 6) AND unlimited broadband costs me £17 a month. We just use our mobiles to ring in the daytime. Was a big leap of faith cancelling BT bc if we go back it's £150 reconnection fee, but I'm content with the service Orange provides.

    I always check out utility bills on Uswitch.com, the best site I think. And once you start saving you eventually don't miss it. I Direct Debit £50 a month on payday to a savings account. To be honest I forget about it. The first three months were the hardest, but back then I was wasting so much on fancy food we didn't need, and you certainly do get creative with good results with bargain value shopping x I'll be back later to read your other posts.
    From Another Rachel x