Great 'ways To Cut Back' Hunt

in Debt-Free Wannabe
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  • Turn your central heating thermostat down by one degree ... you're unlikely to notice the difference in the heat, but you'll notice the difference on the bill (apparently!)

    Kate
  • Find out if you have a local food co-operative (not the shop) or make your own! Find a group of people that will all chip in a certain amount to buy certain things (fruit & veg / dried foods ) then you can buy in bulk and split it all between you. Some areas - in particular Cumbria and Newham in London - have fresh fruit and veg schemes set up that are 'not for profit'.

    Also find out if you have a local Credit Union, if you join the scheme and save for a certain amount of weeks you become eligable for VERY low interest loans - also you can borrow very smal amounts such as £50. Again they are run on a 'not for profit' basis.

    Both are fantastic schemes that are run by the community for the benefit of the community!
  • Smiley_MumSmiley_Mum Forumite
    3.8K Posts
    I've been Money Tipped!
    ✭✭✭✭
    Ensure that your current tax code is correct or you could be paying more tax than is necessary. You could check this at the Inland Revenue website

    http://www.hmrc.gov.uk/leaflets/ir10.pdf

    Here is a link to a tax code checker.

    http://money.msn.co.uk/tax/Calculate_4_/Income/tax_code_checker/default.asp

    Use money off coupons, online and offline, save the money off, don't spend it.

    Go for quality, against quantity when it comes to clothing/footwear.

    Check house insurance, ensure you're not over/underinsured.

    Keep a price book of grocery items. See this link for details -
    http://frugalliving.about.com/c/ht/00/07/How_Create_Grocery_Price0962933255.htm

    Carboot or Ebay unwanted possessions.

    Take in a lodger.

    Reconcile your cheque account.

    Check D/Ds etc, sometimes utility acs etc can have large credits on them.

    Become vegetarian, or at least cut down meat intake.
    “Ordinary riches can be stolen, real riches cannot. In your soul are infinitely precious things that cannot be taken from you.” - Oscar Wilde
  • beckiebeckie Forumite
    419 Posts
    Make some pin money doing online surveys, like at Ciao and Brainjuicer.

    I'm not sure how I got on their mailing list, or the website adds, (maybe someone else can help?) but I've a few pounds waiting to be redeemed from them after doing a handful or two of quick surveys.


    Doing onliine surveys is a great way to make extra cash. You can also earn shopping vouchers too. There are also lots of other ways to "up your earnings", including reviewing websites, mystery shopping, product testing, focus groups, writing reviews to name but a few.

    (At the risk of plugging my own site, please feel free to click on the link in my signature for links to the best survey sites, etc. Although there are some referral links, the majority of the site is referral free and is totally ad/banner free and complies with mse's rule of no referral links on the homepage.)
  • Visit markets at about 3.30/4pm when they are packing up - that's when you get the real fruit and veg bargains.

    Learn to cook and cook in bulk. Ready meals and not only bad for you but they are expensive.

    AVOID THE SHOPS! Trawling around on a Saturday with the crowds makes you believe that like them you should be shopping.

    Use the library. Why buy the Money Diet when you can borrow it for free? Ours also has a great range of DVDs and videos that are cheaper to borrow than Blockbusters.
  • Shop around for the best petrol prices ... you don't necessarily have to drive round aimlessly to find the best deal, just take note of the petrol stations on your route to work etc. Our local Shell garage always seems to be 2-3 p per litre cheaper than everywhere else (Tesco is usually quite good too) - okay, you might only save £1 each time you fill up, but every little helps ...

    Kate
  • Eliza252Eliza252 Forumite
    449 Posts
    Dilute your milk - sounds mad, but I make two pints of milk for every pint I buy - it saves many pennies and means I can afford to buy organic milk which is twice the price of a normal pint.
    I buy semi-skimmed or whole milk and then have a 1 pint milk container and dilute half milk with half water.
    NB. dont do this if you are using milk as a cooking ingrediant. Its fine for use in tea, on cereal etc and it doesnt taste any different.
    :D
    I've made my debts bite-size too depressing to look at all at once so am handling them one at a time - first up Graduate Loan £1720 paid off! only £280 to go!!!
    Money to raise for tuition fees: £3000
    When you get to the end of your rope, tie a knot and hang on!!
  • Philip624Philip624 Forumite
    700 Posts
    Part of the Furniture 100 Posts Name Dropper
    ✭✭
    If you want to hire one of those steam cleaners for your carpets do so on Easter Saturday for a 24 hire. As DIYstores are closed on Easter Sunday you dont have to bring it back until Easter Monday and you will therefore get a full weekend hire for the price of a day hire.

    This works on Christmas Eve as well if you want to spend Christmas Day cleaning your carpets.
    I can offer no resistance, I can offer no respite
    Wake me when conflict is over,
    I aim for a peaceful life,
    Wake me up when the fury is ended
    I like living a peaceful life
  • Never go shopping when you're hungry, go after you've eaten, you'll buy a lot less and only what you need, I'm speaking from experience !!!
  • Humbug_2Humbug_2 Forumite
    36 Posts
    Keep your old perfume bottles in your drawers. That way the will always smell fresh.
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