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Frugal Friday

Barclaycard: Could do better

I have finally ordered myself a new mobile phone, complete with car charger. I might be able to get a signal now. I will be able to update Facebook, tweet and maybe even Skype too. I used my Barclaycard, because I get the legal protection on a purchase over £100.

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How to budget with personal accounts

Accounts Book

We all have money coming in and going out and it helps to keep track of all your money on paper or a computer.  I prefer a simple accounts book. It doesn’t have to be a a special book. I use a simple hard backed book from Poundland. (more…)


How to make your own luck

It’s Friday the 13th and a lot of people believe today is unlucky. They will go through the day nervous and expecting the worse. Even minor irritations like the bus or train being late will be examples of how unlucky today is. They won’t bother buying a Euromillions ticket, because today is unlucky.

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This weeks words and pictures

artistic in grey scale

It’s not very warm this morning in the heart of England. I suppose this is good news for the energy companies who will fleece us again this winter. Maybe, the new governor of the Bank of England can bring some pressure to bear on the water companies and energy companies to keep bills down this winter.

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Summer in the garden

I admit I’m not very good in the garden, but it is getting better. I have brambles everywhere, the lawn was overgrown and I have ant hills! I’ve attacked the lawn with a strimmer and hover mower and it looks much better. I’m having another go today. My garden looks great in photos though and I discovered yet more flowers that I don’t know the name of today. I’ll take photos!

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Living on a pound a day

egg, chips and peas

I read about a Lord this week who tried to live on a pound a day for food. He tried to do it for five days. That isn’t too difficult if you’re healthy and can eat anything. It’s only five days.

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Frugal Food Ideas

Eggs and Chips

Food prices keep going up and so we not only have to shop around and look for bargains, we have to do some frugal cooking.  Egg and chips is one of my favourite meals. You can get eggs with the little lion on from most supermarkets for about 1.35 for 15. In Aldi, I buy those crinkle cut oven chips for 99p a bag. So I cook a meal for less than 50p.

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Winter food

You don’t really need more food when it’s cold, but you need different foods to help you to keep warm. If money is short, what can you give your family to eat that’s frugal and will help keep out the cold? I have a few ideas…

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Surviving the cuts

A lot of people are going to be struggling because of government cuts. The Welfare Benefits Uprating Bill, will keep benefit rises to 1% for three years from next April. This will hit a lot of people and save the government a couple of billion a year. That’s a lot of money. Not as much as the 12 billions the Olympics cost, but still a lot of money.

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We are all in this together

The recession appears to be getting worse. I was watching a programme on television last night about people who become homeless. They get evicted from their homes, because they can’t pay their mortgage or rent. Is it their own fault because they got sick, lost their job or their business failed?

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What does ‘price discrimination’ actually mean?

I just looked at chickens in Tesco, they are £4.00 each or 3 for £10. Why do you have to pay a 1/5 more if you only want one? Is this discrimination in favour of families or against single people?

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Surviving the recession on benefits

Money - Seeing the future

The recession is affecting most people, but if you have lost your job then it’s even worse. In the UK cuts in all welfare payments and provision are hitting the least well off most. While the government panders to the rich who try to avoid taxes; the most vulnerable in society suffer. They are often thought of as scroungers who spend all their time drinking in the pub . The truth is very different.

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How to preserve the wealth you have

Money - Seeing the future

You might not think of yourself as wealthy, but you own stuff. Right? The stuff you own is your wealth, however meagre and is worth preserving. If you don’t preserve your wealth, then you get poorer. That means looking after the things that you already own. They last longer and won’t need replacing so quickly.

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There is more money, but are you getting your fair share?

Money - Seeing the future

News from over the pond in the USA this week was that the rich have increased their wealth by around 15% in the past year. That doesn’t surprise me, the rich are getting richer all over the world. Governments print more money and it disappears. Are you getting your share? Or are you even worse off?

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Potatoes – frugal super-food

Money - Seeing the future

Potatoes are an important food and a staple food in many people’s diets. In the 1840’s crops around Europe were affected by potato blight leading to around a million people dying from starvation in Ireland and a similar number trying to escape the problems of poverty and hunger by emigrating. Potatoes contain starches, sugars, fibre and vitamins. They are low fat and contain vitamin C, Vitamin B6, potassium and manganese.

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Frugal hobbies to save money

Soup 015

I like landscape photography, but my camera isn’t really suitable for photographing people or events. I did see a frugal wedding on TV where the wedding album was made up of photographs taken by guests with their cameras and phones; that’s not a bad idea. The quality won’t be as good as a professional photographer with a DSLR and all the equipment; but it’s a hell of a lot cheaper. Many amateur photographers using DSLRs and advanced photo editing software will get quite good photos though. You can share the photos on Facebook rather than doing printouts too.

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Frugal summer update

Money - Seeing the future

It’s summer in England but we have had almost constant rain so far. It’s not over though is it? We still have half of August left and if previous years is anything to go by we could have quite a mild Autumn right up to December. We can’t take chances though and so get out and enjoy it while you can especially if you have children on holiday from school. Think about the future though, retailers are and they have stock to get rid of, before summer comes to an end.

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Finance Friday | luck of the draw

Money - Seeing the future

Next Friday there is a Euro-millions draw and although the odds of winning the jackpot are over 100 million to one; we have a better chance in the UK Millionaire raffle. That will be creating 100 new millionaires next week and the odds are better. I think I will buy a ticket for that! I might be lucky! (more…)


Feeding a family on a budget

Egg, Chips and peas

I read an article some time ago about feeding a family of four on 60 pounds a week. I thought, I can do better than that! The eggs, chips and peas in the picture cost about 50p to cook. If every meal was as frugal as that, it would be easy! The big problem is that kids can be so fussy and so you do have to present the food in an attractive way for the children. My eggs and chips are multi-coloured; white, yellow, green and red makes it look quite attractive! (more…)


Frugal Friday | Eat out or in

UK Money

Many families go for a takeaway meal on a Friday in the UK and a favourite is fish and chips. Many fish and chips shops dip the chips in batter so they will look more appetising and are cheaper to cook. They then encourage you to buy a medium sized portion that contains enough chips for 2 people.  You end up with a meal that is over 600 calories and loaded with fat. This is the Friday treat for many families and can work out quite expensive. I tend to be frugal on a Friday and try to save on meals, so I can enjoy something a little more special for Sunday lunch.  Egg and chips is a favourite for dinner on a Friday. (more…)


Frugal Friday | Only 99p

Aldi

I went to Aldi last night and did a little shopping, getting fresh vegetables and things before the Bank Holiday weekend starts. The prices of most of the items on my bill,  ended in in 99p. Are these bargains? Not really! I have a bottle of soft drink that has 99p all around the top of the label to make it sound cheap. I think they would sell less if it said 99% water! Soft drinks are 99% water, but we often pay through the nose for them and so prices ending in 99, aren’t at all cheap. (more…)


Frugal Friday | Grow your own

UK Money

It looks very much like the Great British Summer is here, but how long will it last? I think there is time to germinate a few seeds. Runner beans are easy to grow and I am always amazed at how well they crop. I also intend to start some lettuce seed and tomato seeds off later today. I bought some French beans seeds from Aldi, but need some runner bean seed and so I’ll pop out and buy some later. I mentioned how getting your 5 fruit and vegetables a day can prevent some nasty diseases in yesterday’s thrifty blog. You can save money and stay healthy by growing your own. (more…)


Finance Friday | Quality

watercolour of the Milky

I read this morning that Ikea the Swedish store here in the UK is one of the most popular stores. It certainly seems that way on Bank Holidays when they clog up the road system by having a sale. I wanted some photo frames a few years ago and Ikea had some for £12, but there were some virtually the same in Poundland. I can spot quality and I can also spot overpriced imported crap. I might frame my watercolour; pictured above. It’s better than a lot of the street art that I saw on TV this week. Talk about the emperor’s new clothes, they need to keep those pictures away from small children… (more…)


Finance Friday | Frugal skills

I made a shepherd’s pie this week (pictured) and that was nice. We have to try to cook frugal meals now. It looks a little burnt around the edge just it wasn’t. That was the reason for the foil tray to stop the edges burning. It is a good idea to pop in under the grill to brown the top a little. They are easy to make, a meal in themselves and can be frozen. (more…)


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