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Money Saving Tips

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Amazon currently got some decent ish wines 25 percent off six.

I got some 19 crimes chardonnay, and also their rosé for about a fiver a bottle. The chard is quite yellow and oakey if you like them like that, and the rose is quite dry, unlike the sugary gallo you get.
 
Amazon currently got some decent ish wines 25 percent off six.

I got some 19 crimes chardonnay, and also their rosé for about a fiver a bottle. The chard is quite yellow and oakey if you like them like that, and the rose is quite dry, unlike the sugary gallo you get.
Virgin do also.

They offer you 50% off your first case of 12 , then you can simply cancel the subscription, really easy to do.

Also, if you have the cafe Nero app , you can get the 50% off virgin wines through that way.

I looked the other day, you can get a decent box of 12 wines for around £50 ?
 

Ok that’s the front door fully taped up. Be no cold air getting through that slag anymore.
Vaguely linked to this one...

The recent snow can help identify if your loft insulation is up to scratch. The day after decent snowfall, take a look at your roof and those of your neighbours: if your roof has thawed and most of the snow has slid off but your neighbours still have a lot of snow then it's likely that you're losing a lot of heat through your loft.

Spotted this on our house yesterday. Straight down to B&Q today!
 

Vaguely linked to this one...

The recent snow can help identify if your loft insulation is up to scratch. The day after decent snowfall, take a look at your roof and those of your neighbours: if your roof has thawed and most of the snow has slid off but your neighbours still have a lot of snow then it's likely that you're losing a lot of heat through your loft.

Spotted this on our house yesterday. Straight down to B&Q today!
For some new neighbours?
 
Vaguely linked to this one...

The recent snow can help identify if your loft insulation is up to scratch. The day after decent snowfall, take a look at your roof and those of your neighbours: if your roof has thawed and most of the snow has slid off but your neighbours still have a lot of snow then it's likely that you're losing a lot of heat through your loft.

Spotted this on our house yesterday. Straight down to B&Q today!
That or someone has a large cannabis farm in their loft.
 
I've never been good with money myself and it's my biggest annoyance since I'm so painfully aware. It comes in, it goes out. I'm looking to see if anyone has any tips or advice on how to change that? I've rented a house since I was 20 (30 now), somehow didn't save up during lockdowns and am now thinking I'll be some yank renting for life.

Outside of essential bills like rent, council tax, the car rental I'm stuck into etc. I've quit things I didn't even realise I was still paying for (NowTV you [Poor language removed]). I get paid a pretty decent amount every week but have zero savings and never have much money. My largest outgoing this Summer has been the endless 30th booze tours and meals etc. where I regularly spend in the hundreds on the night out.

I'd ask Martin Lewis but he annoys me.

Food - Plan all of your meals for the week and batch cook them to save energy and time. Build up a stockpile of extra meals in the freezer that you can easily reheat in the microwave. Soups, casseroles, stews, chilli, curry, Italian ragu type stuff, fried rice all freeze and reheat very well. Aim for zero food waste buy throwing leftover veg etc in soups, casseroles, and omelettes. Avoid using the oven, but if you need to then make sure it is for more than just a couple of servings worth. Avoid multiple visits to express type shops which are expensive, and generally the fresh food has little shelf life remaining. One big shop per week, ASDA, LIDL, ALDI. Usually better off with a local butchers for your meat, as these cheaper supermarkets are generally poor in this department.

Energy - Plenty of detailed advice doing the rounds already, but for most houses, if you need the heating on, heat your living room only. Open the curtains and blinds to get a bit of greenhouse effect in any south facing rooms, close the curtains after about 3pm when the sun drops to insulate the room. Use hot water bottles or electric blankets. It's about 10p to boil a full kettle. Heating the human is always more cost effective than heating the room. Charge personal electronic devices at work.

Clothing - You don't have to look cheap to save cash. Fill your wardrobe with long term good quality staples that wont go out of style next season. Avoid high street fast fashion, it usually ends up in landfill within a year....E.g. buy shoes with a proper stitched sole that can be replaced by a cobbler rather than some plastic ones that have to be binned once the sole is worn down. Have a look on ebay or facebook marketplace for stuff, but avoid labels as there will be so much blag on there. Learn how to do a bit of basic sewing and try to repair any of your clothing that gets damaged rather than just throwing it away. Avoid washing your clothes if you can (Obvs underwear, socks and usually shirts are single use only before wash). Washing machines are energy intensive and destroy your clothes over time so you'll end up having to replace items early that have been over washed.

Phone - Consider going sim only if your contract is up for renewal. Change the battery/screen in your phone yourself if it needs it and keep it going for another year or so whilst things are tight. have a look at it again in future.

Socialising - It's important, but if you're having multiple hundred pound nights out every week and no money left at the end of the month then you probably need to look at that. It's so expensive for a beer in the city now. Just have say one or two big nights per month, and try to find something else to do on the other nights. Play 5 a side, or go the gym or go to the cinema instead (but FFS don't buy the pic n mix!)


Big picture long term stuff - Work towards paying off any long term debts, or quitting any routine debt habits like dipping into overdrafts, payday loans, or Klarna. They are financial self harm if you can avoid them. Once you're free of any debt repayments, then you can start to put the extra money you'll have each month into savings, like Premium bonds, and ISAs.

Accommodation - Unsure of your domestic situation but I'd hazard a guess you're a single bloke. Sounds obvious but consider downsizing from renting an entire house to just renting a room temporarily? Of course it's often a pain living with other people, but if it frees up some of your funds to save towards getting your own place someday then it could be a short term pain for a long term gain.

Transport - New cars are very expensive. The less you spend, generally the less you lose. Better option is looking in the second hand market for something in the miles sweetspot for depreciation vs maintenance costs. Usually around the 50k miles mark. Learn some spanner skills to do some servicing yourself rather than paying a garage for everything. Better still, ditch the car if you can possibly live without it, and then look at getting a motor again during brighter financial times. Cycle to work scheme is still going I believe.
 

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