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Off Topic Budgeting/Saving Money

Discussion in 'Hull City' started by TheCasual, Aug 10, 2023.

  1. Phinius T Bookbinder

    Phinius T Bookbinder Well-Known Member

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    #21
  2. Ric Glasgow

    Ric Glasgow Well-Known Member

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    Filling a large tank can make a bit of a difference in the total bill at those prices then? To be fair,I haven't seen much evidence of this in Glasgow and surrounding areas,not those sort of price differences anyway...4 or 5p difference from Asda/Tesco/Morrison as opposed to B.P.Anyway,it doesn't affect me,it's the good ladies car so it's her responsibility to fuel it:emoticon-0102-bigsm

    I have seen fairly big differences like this at Motorway service stations though,especially driving back up from Hull to Glasgow.In fact the lad got caught out the last time we were down as his car was an old banger that guzzled fuel.Filled up at Asda(Hessle Rd?) on leaving Hull but hit red around Lockerbie way and it was 20p a litre more...Silly twat for booting it all the way up!!!
     
    #22
  3. Barrington Womble

    Barrington Womble Well-Known Member

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    The petrol station at North Point shopping centre is the cheapest in Hull that I have found
     
    #23
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  4. Wildie

    Wildie Well-Known Member

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    The best thing we do (I say we, I mean me!), is meal plan for the week - write down the meals, then the ingredients needed. I don't really stray from that. I don't buy snacky bits, or special offer bits. We are a family of 4, and typically, my weekly shop is around £65 to £70 - we buy chicken breast in bulk monthly from a butcher (about 8kg will last us 4 weeks)
     
    #24
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  5. originalminority

    originalminority Well-Known Member

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    Tradesmen definitely used to charge different rates across Hull, the East Hull price being lower, the same bakers also charged 4 for a pound for sausage rolls and you got 5 for a pound in East Hull!
     
    #25
  6. Ric Glasgow

    Ric Glasgow Well-Known Member

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    There's a lot of sense in that approach.

    Due to my own shift patterns lately, the wife and I don't get to sit down very often to eat a meal together and it's running riot with our monthly budget.I also find that in today's debit card culture it's very easy to lose track of how much we are spending?We used to put a set amount of cash into a jar at the beginning of the Month and on the majority of occasions we had cash spare at the end of the month(gave us a good day out to be fair),these day's we are going way over that budget by simply swiping our cards at the shops.

    I have been saying for some time that we need to be a bit more organised in planning what we eat on a weekly basis.I like cooking and as you say,if you've got the ingredients at hand you can generally rattle up a nice fresh meal...

    Your post has definitely prompted me to look in depth at getting back on track with our planning:emoticon-0148-yes:
     
    #26
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  7. DJBlackandamberarmy(No4)

    DJBlackandamberarmy(No4) Well-Known Member

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    Ban my Mrs from home bargains , b and m , Asda living and Amazon , and wear a condom so you don’t produce greedy non stop eating machines ….best tips for me
     
    #27
  8. Amin Yapusi

    Amin Yapusi Well-Known Member

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    Also get a nest thermostat so you can switch the heating off wherever you are.
     
    #28
  9. Ric Glasgow

    Ric Glasgow Well-Known Member

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    2 of my Daughters have them,put their heating on when they're leaving work and the house is warm for them getting home?

    Too much technology for me,I'm still trying to work out how a T.V or radio works!!!
     
    #29
  10. DJBlackandamberarmy(No4)

    DJBlackandamberarmy(No4) Well-Known Member

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    I was genuinely surprised to Find out recently that different Asda in the city sell same stuff at different price , my dad pointed out to me that he was in Bilton and then he saw things next day in Kingswood cheaper , I thought he must be mistaken and I happened to be working near Hessle road and cos I’m sad I went in to investigate , and they were different in there too , sometimes 50p more or less ,which adds up on a few items if you fall on the wrong side of it
     
    #30
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  11. Gone For A Walk

    Gone For A Walk Well-Known Member

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    A Zopa account is really good for that.
    One account, but an unlimited number of 'pots' within the account.
    And very good interest rates.
    I have funds (or pots) for the following: Car fund, home repairs & replacements fund, holiday fund, clothes fund (to keep missus under control), xmas/presents fund, non-monthly items fund (i.e. bigger bills that are sporadic eg house insurance, any big annual subscriptions). Simply put a set amount in to each fund each month, based on your estimate of how much you need per year for that category / 12, then move money out from the pot back into your current account when you need to spend from it.

    Obviously buy your staples (not those metal ones) from Lidl or Aldi.
    Get and use a Tesco clubcard. Use the vouchers against your shopping or better still, use at x2 value for something you need (like RAC, hotels, travel card, Pizza Express, etc).

    Read or listen to Reset by David Sawyer.
     
    #31
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  12. TwoWrights

    TwoWrights Well-Known Member

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    Of course the Brough one will be more expensive, New Zealand is a long way away. :emoticon-0125-mmm:


    The views expressed in my posts are not necessarily mine.
     
    #32
  13. Ric Glasgow

    Ric Glasgow Well-Known Member

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    What? Chairman Maorrisons...
     
    #33
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  14. Amin Yapusi

    Amin Yapusi Well-Known Member

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    It’s mad how much prices vary from shop to shop. Someone will share something like a tent at £50 in a Facebook group, someone else’s local Asda will be selling it for £150 and another store will be selling it for £20.
     
    #34
  15. GEvans76

    GEvans76 Well-Known Member

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    Very good book.

    I’d also recommend Enough by Patrick Rhone.

    Buy what you need not what you want.
    Also stop impulse buying use what you have.
    And don’t buy crap to impress other people.
     
    #35
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  16. AlRawdah

    AlRawdah Well-Known Member

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    We have separate online bank accounts (I use Monzo, Starling is also good), put a set amount of cash into each account every week and that is our spending limit set - it replicates that money in the jar routine that we also used to use. Works a treat, and the accounts take five minutes to set up on your mobile phone. Worth a look.
     
    #36
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  17. Edelman

    Edelman Well-Known Member

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    :emoticon-0102-bigsm
     
    #37
  18. Edelman

    Edelman Well-Known Member

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    I bet it costs an absolute fortune .
    I'd get a car instead mate .:emoticon-0143-smirk.
    Out of curiosity what make Tank do you have??
     
    #38
  19. Ric Glasgow

    Ric Glasgow Well-Known Member

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    Good spot:emoticon-0148-yes:
    It's a VW UP panzerkampfwagen...:emoticon-0102-bigsm
     
    #39
  20. Amin Yapusi

    Amin Yapusi Well-Known Member

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    Possibly one of the best money saving tips I have followed was buying a new super efficient kettle for £40. I estimate it will save me £2-3 a year in electricity.
     
    #40
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