Off Topic Budgeting/Saving Money

  • Please bear with us on the new site integration and fixing any known bugs over the coming days. If you can not log in please try resetting your password and check your spam box. If you have tried these steps and are still struggling email [email protected] with your username/registered email address
  • Log in now to remove adverts - no adverts at all to registered members!
I hate waste we never throw anything away.
I've eaten yoghurts 3 weeks out of date and they taste no different .
The amount of people that look at the date then throw away is crazy .[/
Use by dates are always before genuine can’t use dates.
 
Avoid Sewells Garages then. Filled up this week at Asda on Kingswood, 11p a litre cheaper than the same petrol at Sewells in Cottingham and on Chanterlands Avenue. I've seen petrol cheaper at remore filling stations in North Yorkshire, with no competition for miles around than Sewells charge in the Hull area.
Also dont buy coffee from Starbucks. I'm still tramautised after being charged over £16 for four at a Starbucks at the Pocklington turn off. Tastes like mud too, and its not waitress service.
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!!!
 
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)
 
  • Like
Reactions: AlRawdah
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!
 
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)
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:
 
  • Like
Reactions: TwoWrights
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
 
We have different accounts for different bills coming out, we put money in every pay day, whether anything is due out or not. One for car account, one house account, where any house related bills come out including mortgage, anything leftover in our personal accounts goes into our individual personal savings accounts.
Yes we have about 6 accounts that we’ve set up over the years, but it really helps to see what money you have to play with each month.

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.
 
  • Like
Reactions: Brucebones
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

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.
 
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.

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.
 
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!!!
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??