Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • sugarbaby125
    • By sugarbaby125 4th Jan 18, 10:45 AM
    • 1,302Posts
    • 8,422Thanks
    sugarbaby125
    My Over 50's Spending Diary
    • #1
    • 4th Jan 18, 10:45 AM
    My Over 50's Spending Diary 4th Jan 18 at 10:45 AM
    I have been with MSE a number of years and each year I have become better and better at making sure that I spend my money wisely. I find that recording the savings I am making no matter how small reminds me that if I take care of the pennies the pounds will take care of themselves.

    Littlewoods Clearance bargains via eBay:

    1. V By Very Chambray Men's shorts 3.99 saved 21.01

    2. Reebok Supremium Ladies Black T-shirt 4.99 saved 17.01

    3. V By Very Black Ruffle Jumper 7.99 saved 30.01

    4. V By Very Black/cream High Neck Striped Jumper 5.99 saved 26.01

    5. V By Very Men's Navy Woven Jogger Shorts 4.99 saved 27.01

    Plus I saved 15.80 on P & P costs
    Plus a 5 discount because I had spent 20 plus
    Plus I used an eBay 20% voucher code which saved me another 4.59

    1 hopper bus journey worth 75p

    Free Metro Newspaper 20p

    Council Tax Support for 2017 to 2018 899.83

    Tesco Mid Week Delivery Saver cost me 40 for the year in 2017 but I saved 263 on the price of the individual delivery slots I used ( Tesco delivery drivers deliver to my kitchen which is really helpful as I live in a maisonette and there are so many stairs to negotiate)

    Revolution Super Light 4 Wheeled Suitcase from Tesco Direct which was half price in the Sale so I saved 22.50 and I got free delivery worth 3 because I have a Delivery Saver Mid Week Plan and I had spent over 10 on my order

    Poundland Bargains:

    2 X Maltesers and Friends small selection pack half price saved me 1

    4 X 6 Packets of Sensations crisps saved me 2.80

    Superdrug In Store Shop:


    2 X Cadbury's Buttons Tubes half price saved me 1

    4 X Dove Men's Duo Sets 50p reduction saved me 2

    Current total = 1,342.52
    Last edited by sugarbaby125; 04-01-2018 at 11:02 AM.
Page 2
    • sugarbaby125
    • By sugarbaby125 13th Jan 18, 7:56 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    1 hopper bus journey 75p (12th Jan)

    I had a free ticket to see the Alexander Hawkins, Elaine Mitchener Quartet last night. Which saved me 12.50

    Current total = 1,514,71
    • chanie
    • By chanie 14th Jan 18, 6:54 PM
    • 2,027 Posts
    • 10,550 Thanks
    chanie
    Inspired by sugar....

    I!!!8217;ve been looking on gr0upon deals for me and OH to try, either restaurants or activities. I!!!8217;ve had s look at the restaurant you recommended, so we may try that one.
    Last edited by chanie; 15-01-2018 at 5:51 PM.
    2018 challenge to save 1000
    Spend less - 495.13
    Live more - 1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 15th Jan 18, 6:53 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    Hi Chanie,

    Yes, I did really enjoy the quartet. I never looked them up on the King's Place website, so I was assuming it was a classical quartet, but it was a Jazz quartet who were extremely talented. I was gripped right from the start even though I am not a huge fan of Jazz and do not know enough about this genre of music. So this show was also part of my ongoing musical education.
    • sugarbaby125
    • By sugarbaby125 15th Jan 18, 7:22 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    This week's MSE Newsletter made mention of Feel Unique and their offer to try 5 beauty samples for only 3.95 so I took advantage of the offer. It was free P & P so I saved 3.95 (and I have also received an e-voucher for 3.95 against my next order of a full sized product)

    I signed up to Vue Piccadilly online last week so that I could get a code for their Super Monday offer which would then let me buy an adult ticket for only 4.99. I went to see The Greatest Showman and had such a fantastic time. It is a real visual and musical treat. I would give this film 10/10. I could not recommend it enough. Even people who do not usually enjoy a musical should find something to enjoy. I saved 8.50 compared to the standard adult ticket price.

    2 hopper bus journeys worth 1.50 (15th Jan)

    Current total = 1,525.66
    • sugarbaby125
    • By sugarbaby125 17th Jan 18, 1:41 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    Last week's free school dinners for my son (Mon-Fri) 11.50

    Quidco Cashback 3.22

    Current total = 1,540.38
    • chanie
    • By chanie 17th Jan 18, 8:02 PM
    • 2,027 Posts
    • 10,550 Thanks
    chanie
    Great progress sugar, lots of steady savings going on.
    2018 challenge to save 1000
    Spend less - 495.13
    Live more - 1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 18th Jan 18, 9:07 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    Great progress sugar, lots of steady savings going on.
    Originally posted by chanie
    Thank you Chanie, as I am currently unemployed it is even more important that I make savings wherever I can.

    Free Evening Standard newspaper 20p

    Boots Bargains:

    3 X Adult Bassets Multivitamins on 3 for 2 offer saved me 5.29

    3 X Equazin liquid fish oils 200ml on 3 for 2 offer saved me 11.99 and I also used a 1 off voucher


    I had a free ticket to see Dom Pipkin at The Phoenix Artist Club last night which saved me 3

    4 hopper bus journeys (17th Jan) saved me 3

    2 hopper bus journeys (18th Jan) saved me 1.50

    Odeon Silver Screen ticket 3 which saved me 6.25 compared to the standard adult ticket price

    Free cup of tea at the cinema worth 1.90

    Free Metro newspaper 20p

    3 X Big Mac and Medium Fries with vouchers from the Metro newspaper for 5.98 which saved me 6.57

    My weekly online grocery shopping saved me 16.85 with special offer and price reductions

    Poundland Bargains:

    Rimmel eye pencil saved me 1.99

    3 X L'Oreal eyeshadow quad saved me 13.98

    2 X 125g tube of Rowntree pastilles half price saved me 1

    Bourjois Nail Polish saved me 4.99

    2 X Fairy Clean and Care Aloe & Cucumber washing up liquid saved me 2

    6 X Haribo Supermix 140g sharing bags half price saved me 3

    Current total = 1,623.19
    Last edited by sugarbaby125; 19-01-2018 at 11:39 AM.
    • sugarbaby125
    • By sugarbaby125 19th Jan 18, 11:50 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    This week's free school dinners for my son (Mon-Fri) 11.50

    Savers Bargains:

    2 X 4 bars of Dove soap 3.38 saved me 64p compared to buying them in Poundland where I usually buy them

    4 X Oral B Pulsar toothbrushes 11.98 which saved me 6.02 compared to buying them from Tesco which has them on offer for 4.50 each from 6 each

    3 X boxes of Paracetamol 57p saved me 43p compared to buying them from Poundland where I normally buy them

    2 X Colgate 100ml Gel toothpaste 1.50 which saved me 50p as I normally buy this toothpaste from Poundland

    Current total = 1,642.28
    • sugarbaby125
    • By sugarbaby125 20th Jan 18, 8:43 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    3.71 cheque from my Energy provider

    1.70 Quidco Cashback

    Boots Online Order:

    Sanctuary Ultimate Indulgence Gift Set half price 12.50

    Sanctuary Pamper Cracker half price 6.25

    Fearne for Mini Club Gold Party dress half price 9

    Twinings Tea Tray Gift Set half price 9.25

    Sanctuary Shower Delights Gift Set half price 4.25

    Mini Club All Dressed Up Lace Sleeved Top half price 5

    3 X Boots travel size Tea Tree and Witchazel Foaming Facial Wash on 3 for 2 offer 3.38 saved me 1.69

    Free P & P as I had spent more than 40 worth 3.50

    I also got 496 Boots Advantage Card points on this order worth 4.96 but I will count these when I use the points

    Poundland Bargains:

    4 X Tubes of Galaxy Minstrels half price saved me 2

    4 X Maltesers & Friends Selection Packs half price saved me 2

    2 X Festive Friends Jammy Shortbread half price saved me 1


    I got a free ticket to see The Johann Strauss Gala today, which saved me 28

    Current total = 1732.13
    • kangoora
    • By kangoora 21st Jan 18, 4:29 PM
    • 565 Posts
    • 384 Thanks
    kangoora
    I'm genuinely confused by these 'savings'. Some examples:

    1. I got a 16.45 refund from Virgin Trains for the Family ticket I had bought and was no longer going to use for my trip from Brimingham ( the 1st 10 is kept for administrative purposes of a refund) - I read this as I spent 26.45 on a rail ticket I no longer needed and then only got 16.45 refunded so I've overspent by 10?
    2. I saved 1.70 in M & S buying 2 bags of easy peelers on 2 for 4 offer - or just go to your local greengrocer/market stall and pay 50% less than the M&S 'saving' price?
    3. My Buy It Now offer was accepted on eBay which saved me 5 on the price of a 14ct gold and Diamonique ring - or, you know, just don't buy the ring in the first place and save even more money?

    I'm not trying to be confrontational but a lot of these savings just don't make sense to me, especially where branded products keep being mentioned?

    Now, if they said I didn't buy a 4 pack of Heinz baked beans at a reduced price of 2 (70p off a pack o 4) and instead bought 4 'own brand' for 25p each (cost 1) I could understand the 'saving' (current tesco prices as of today).

    I buy branded prducts for certain things (so I'm not trying to be superior about my thriftiness) but I will regularly buy own brand for many items and save money even over 'discounted' main brands e.g. Robinsons shredless marmalade 1.40, Tesco shredless marmalade 60p in last weeks shop - I bought the Tesco one and it tastes fine and saved me 80p on my shopping. Even if the Robinsons marmalade had been reduced by 50% I'd still have saved 10p
    Last edited by kangoora; 21-01-2018 at 4:34 PM.
    • chanie
    • By chanie 21st Jan 18, 5:25 PM
    • 2,027 Posts
    • 10,550 Thanks
    chanie
    kangoorai think I understand your point, but in my opinion, being MSE means different things to all of us and we all have different priorities. Using the fruit as an example. Yes, a grocers may be cheaper, but there may be reasons why the M&S fruit is better for sugar baby - the nearest grocers could be a bus ride away or a 2 mile walk, the fruit may spoil quicker or they may not like the quality, meaning the fruit goes uneaten.
    2018 challenge to save 1000
    Spend less - 495.13
    Live more - 1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • comeandgo
    • By comeandgo 22nd Jan 18, 8:55 AM
    • 2,062 Posts
    • 2,811 Thanks
    comeandgo
    I!!!8217;m with Kangoora, I look at what is spent and it is a lot, especially on non essential items like junk food. There is a lot of sweets and crisps mentioned.
    • sugarbaby125
    • By sugarbaby125 22nd Jan 18, 10:34 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    I'm genuinely confused by these 'savings'. Some examples:

    1. I got a 16.45 refund from Virgin Trains for the Family ticket I had bought and was no longer going to use for my trip from Brimingham ( the 1st 10 is kept for administrative purposes of a refund) - I read this as I spent 26.45 on a rail ticket I no longer needed and then only got 16.45 refunded so I've overspent by 10?
    2. I saved 1.70 in M & S buying 2 bags of easy peelers on 2 for 4 offer - or just go to your local greengrocer/market stall and pay 50% less than the M&S 'saving' price?
    3. My Buy It Now offer was accepted on eBay which saved me 5 on the price of a 14ct gold and Diamonique ring - or, you know, just don't buy the ring in the first place and save even more money?

    I'm not trying to be confrontational but a lot of these savings just don't make sense to me, especially where branded products keep being mentioned?

    Now, if they said I didn't buy a 4 pack of Heinz baked beans at a reduced price of 2 (70p off a pack o 4) and instead bought 4 'own brand' for 25p each (cost 1) I could understand the 'saving' (current tesco prices as of today).

    I buy branded prducts for certain things (so I'm not trying to be superior about my thriftiness) but I will regularly buy own brand for many items and save money even over 'discounted' main brands e.g. Robinsons shredless marmalade 1.40, Tesco shredless marmalade 60p in last weeks shop - I bought the Tesco one and it tastes fine and saved me 80p on my shopping. Even if the Robinsons marmalade had been reduced by 50% I'd still have saved 10p
    Originally posted by kangoora
    I bought the Virgin family train ticket months in advance for one of my niece's wedding which was to take place on 17th February 2018. My niece was forced to cancel the wedding for highly personal reasons. She wanted to refund any losses, but I told her to forget it. I had lots of other stressful things going on in my life, not least health issues, so I just forgot about the tickets until I came across them. I then looked online to find out if I could get a refund for the Birmingham to London tickets and found that I could, minus the 10 administration cost, so I applied for the refund. The London to Birmingham family ticket was non refundable when I booked it because it was 11.80 for the 3 tickets. If you do not apply for a refund for train tickets you lose the money paid, so I counted the refund, as I took the time, made the effort to claim the refund and received the refund. All members of the family who you booked the ticket for has to travel together and if we were not going to the wedding neither of my children wanted to go to Birmingham for that weekend.

    I buy branded products where that is my family preference. We will try non branded products or brands which we are not familiar with to make financial savings, but if no one prefers them, we will switch back to the branded products we prefer.

    My children like to eat biscuits, crisps, sweets, chocolates etc, so why should I not try to buy them at the cheapest price I can find? (I try to avoid eating these things, because I am trying to lose weight, but indulge sometimes ) They are naturally skinny people and eat a balanced diet. I bulk bought half price offers in Poundland then I put some of them out each week. It is very rare to get any half price offers in Poundland as you are usually making a substantial saving by buying the items in Poundland.

    I do not have time to list all of the products I buy from my weekly grocery shop that are own brand or very inexpensive brands, or branded products on special offer, I just put the total saved each week.

    My sister who is also my best friend has very large fingers, so when I find a beautiful ring or other piece of solid gold jewellery that will fit her on eBay at a really good price, I will buy it and keep it for her Birthday or Christmas present.

    I bought the easy peelers in M & S to treat myself and my family because I had the last few pounds to use up of a 50 M & S Gift Card that I got from my younger son last year. (It was given to my son by the firm of Solicitors he did work experience with in the Summer of 2017 and he did not want it) They are a much superior quality in M & S from the ones I usually pay 1 for in my weekly online shop or from a roadside 'market' stall, so there was no wastage and they tasted much better than our usual easy peelers, so they really were a welcome treat.
    • maman
    • By maman 22nd Jan 18, 3:20 PM
    • 18,004 Posts
    • 107,724 Thanks
    maman
    Thanks for taking the time (and having the patience) to explain your reasoning sugarbaby. It all makes perfect sense to me.

    For example, I can see your reasoning for bulk buying some treats for the family. Bulk buying is a very mse thing to do with the proviso that you can afford to put the money up front and that you have the self discipline not to eat them all at once! I know you have both.


    I think it's really sad that some people live hand to mouth, week to week and don't/can't avail themselves of the savings to be made. I choose to buy milk in our small local Co-op where the milk I like is actually cheaper than Sainsbury's. BUT that's all I buy there unless they have any YS bargains. What saddens/disappoints me are the people I see in there just buying one day/meal's food at grossly inflated prices.


    I'm enjoying reading your diary. I'm quite a canny shopper myself and it makes me feel good seeing the amount of money being saved by not paying full price whenever possible.
    • chanie
    • By chanie 22nd Jan 18, 4:39 PM
    • 2,027 Posts
    • 10,550 Thanks
    chanie

    I think it's really sad that some people live hand to mouth, week to week and don't/can't avail themselves of the savings to be made. I choose to buy milk in our small local Co-op where the milk I like is actually cheaper than Sainsbury's. BUT that's all I buy there unless they have any YS bargains. What saddens/disappoints me are the people I see in there just buying one day/meal's food at grossly inflated prices.
    Originally posted by maman




    I agree, it is sad. Some of these people probably don't even have kitchen facilities either. I remember watching that 'slum landlords' programme on the television and I think its outrageous that landlords get away with it.
    2018 challenge to save 1000
    Spend less - 495.13
    Live more - 1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 22nd Jan 18, 9:26 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    Free Evening Standard newspaper last Friday and this Monday 40p

    2 hopper bus journeys worth 1.50 (20th Jan) and another 2 on 22nd Jan worth 1.50

    Free cinema ticket for Vue Piccadilly to see a film preview worth 13.49 I really enjoyed the film, but I am not allowed to talk about it until it has been released

    I got a Free standard bucket of popcorn worth 4.85 when I bought a bottle of flavoured water for 2.09 at Vue Piccadilly with a voucher so I saved 2.76 ( I only ate a little portion of it, I took a large zip lock freezer bag with me and poured the rest of the popcorn into it and brought it home for my children)

    Current total = !751.78
    • sugarbaby125
    • By sugarbaby125 24th Jan 18, 10:05 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    I found 2p roadkill on my way to Karaoke and I was thrilled. I found each 1p separately and they were wet as it was raining earlier before I left home, but I had my black leather gloves on, so I could go ahead and pick them up.

    I picked up a Free Evening Standard newspaper on the bus 20p ( I claim 20p because that is the price of the cheapest newspaper I could buy. Before we Londoners started getting a choice of free newspapers, I would buy newspapers only occasionally as the ones I preferred to read like The Times are not cheap but they are the best read)

    My friend gave me a lift home from Karaoke which saved me the 75p bus fare home and she also insisted on buying me a bottle of water at Karaoke 1

    Current total = 1753.75

    I finally got paid my Council tax refund of 207.86 so I then decided that 200 of this refund needed to be spent wisely, so I paid 200 in advance of my Thames Water Bill for 2018/2019. It is always less than 300 for the year, so I will pay small amounts each week and have it fully paid in advance before the bill arrives, then I will have one less bill to worry about.
    • sugarbaby125
    • By sugarbaby125 25th Jan 18, 6:23 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    I bought 3 Big Macs and medium fries with 3 vouchers from the Metro newspaper on Tuesday for 5.97 saving me 6.57

    Boots Bargains:

    3 X Boots Vitamin D (90 tablets) on for 2 offer. I used my Boots Advantage card points to buy these, so I saved 14.97

    Boots Tea Tree, Witchazel and Charcoal Facial Wash was reduced by a third so I saved 1.26 and I saved another 1 with an online voucher which I had previously loaded onto my Boots Advantage card

    Poundland Bargains:

    10 x Woolite Extra Dark 750ml 20 saving me 19 compared to buying them online from Wilko as they usually cost me 3.50 each and I have to pay 4 P & P. I was going to order them in the next few days, as I was running low on Woolite Extra Dark and Wilko is the only place I can usually buy it from, so I took 2 trips up to Camberwell Green to buy the 10 bottles of Woolite

    2 pairs of reading glasses for myself saved myself 1.98 compared to the next cheapest similar product in Savers ( I like to have all funky coloured frames to match my outfits)

    Mr Kipling French Fancies & Mini Battenburgs, both half price saving me 1

    11 X Tubes of Minstrels half price saving me 5.50

    Vaseline Original Jelly 50ml saved me 50p compared to the next cheapest price for this item in Superdrug ( 2 doors away) I have started to get very dry lips and a couple of days ago they actually cracked which was painful and this always works really well for me

    Terry's Segsations 250g saved me 2 compared to buying the same product in a supermarket


    I picked up a free Metro newspaper on the bus 20p

    I found 17p roadkill on my Estate. 2 X 5p and 7 X 1p. I was well chuffed at this small haul of coins

    Current total = 1803.73
    • sugarbaby125
    • By sugarbaby125 25th Jan 18, 11:11 PM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    I saved 33.31 with special offers and price reductions on My Weekly Online Grocery Shop today

    I got 5.06 Bank Account Interest this month

    Current total = 1842.10
    • sugarbaby125
    • By sugarbaby125 26th Jan 18, 11:52 AM
    • 1,302 Posts
    • 8,422 Thanks
    sugarbaby125
    I bought 2 X 30 Sharpie Limited Edition Sets from Tesco Direct for 12 which saved me 32 and I also got them delivered on Next Day Delivery which saved me another 5.95 because I am a Delivery Saver customer and I had spent more than 10 on my order (They will be presents for either my grandchildren, nephews or nieces)

    3 hopper bus journeys on 25th January worth 2.25

    Current total = 1880.05
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

170Posts Today

1,762Users online

Martin's Twitter