I’m learning to be thrifty and save money, and even my husband is impressed with my efforts. I’m the breadwinner, and we have a bigger mortgage since we moved house last autumn, so we have to be careful with money in order to get by. We also want to ensure that we have some money spare to do fun things together. So I’ve decided to share my thrifty tips in case you find them useful.
My first thrifty tip is this:
use cash in preference to credit cards and you will spend less
Some folks advise you to pay for almost everything using your credit card, because that way you have a record of everything you spend. But I have found that by sticking to cash, I am more aware of what I am spending, and I spend less overall.
Somehow, cash seems like real money and my credit card doesn’t. Especially now that I can make a credit card payment by tapping 4 digits into a machine, so I don’t even need to write my signature.
I’ve been using cash in preference to my credit card for the last month and it really has made a difference. There have been several expensive items I simply haven’t bought because I could not bring myself to hand over the cash, especially if it meant an extra trip to a cash machine before making the purchase.
The reason I tried this in the first place was that I watched a television programme called The Men Who Made Us Spend which mentioned some research that showed most people spend more if they pay by credit card.
So what do I do if I’m shopping online? I still have to use my credit card for making online payments, but I type the all credit card details in afresh each time, rather than ticking the ‘save payment details’ box or using PayPal. That way, the whole process is slower and I am more aware that I am spending real money. And again, there are several purchases I haven’t made as a result of making it harder for myself to spend money.
So for me this experiment has been a success. What about you? Do you think that credit cards encourage you to spend more? Have you tried sticking to cash? Did it help you to spend less?
Life is becoming a bit of a blur and I’m feeling the need for a digital detox, so I’ve decided that next weekend I will put away the iPhone, the Nook and all my other gadgets. The internet will have to do without me for 48 hours.
If the weather is nice, I’ll go outdoors and enjoy the fresh air. I’m also looking forward to reading some real books instead of ebooks. I’ve treated myself some beautiful editions of Jane Austen’s novels, which I found in the local bookshop. The Vintage Classics Austen series is designed by the writer and illustrator Leanne Shapton and each book is introduced by a contemporary writer.
I’ll also read a couple real newspapers. And do a bit of stitching. Cook and eat a meal without looking at a screen. Have a long leisurely bath. Write a postcard or two instead of instagramming or tweeting and doing facebook status updates. I might even play a board game.
Have you ever done a digital detox? Do you have any tips? If so, please comment below.
PS – It seems I’m not the only one rediscovering the joys of paper! I’ve just found out that The Reading Residence blog has a Papery Peep linky.
We love Cbeebies Magazine in this house. It the best magazine we’ve found for keeping Aled entertained. Each issue contains stickers, activities and simple puzzles, plus a couple of stories featuring Cbeebies favourites. And at only £2.99 per magazine it’s good value too.
And this summer Cbeebies Magazine is even better value! In every issue of CBeebies Magazine from 16th July until 24th September you will find two ‘Kids Go Free’ child entry tickets into a range of Merlin attractions. That includes places like Sealife, Chessington, Legoland and the brand new CBeebies Land at Alton Towers! Aled has already spotted the vouchers for Sealife Centres in the 16th July issue, which is out now. For further information, see the Cbeebies Magazine facebook page for grown-ups.
We will receive a complimentary subscription to ‘Cbeebies Magazine’ as a thank you for writing this blog post. All words and opinions expressed are my own.
This blog post was written by my husband, who also took the photo.
We were sent the Dove Men+Care body and face wash to review, together with deodorant spray. These are from the Clean Comfort range. As you can see form the photo, the body and face wash has a standard size 250 ml container, and the spray comes in a compact 75 ml can that holds as much deodorant as the standard 150 ml Men + Care sprays. I thought that both products performed well. They had a clean and fresh scent which was pleasant and not over-powering.
I had been looking for a compact deodorant spray that would fit easily into a travel bag, so was pleased to be able to review the spray. It is one of the best performing sprays that I have come across, with just a small application proving sufficient for long-term protection during the course of the day.
The body and face wash was also impressive. It seemed to be a concentrated gel, with a small amount being sufficient. The product states that it is “clinically proven to fight skin dryness.” It certainly seemed to leave body and facial skin feeling cleansed, without the dryness sometimes associated with less gentle gels.
Please note that the products arrived in a presentation pack. However, I was keen to investigate the contents and forgot to take a photo before having opened and disposed of the pack. Oops!
We were sent these Dove Men+Care products for the purposes of writing this review. Photograph and words by DTH Williams.
How did it get to be Tuesday already? Oh well, never mind, here’s a quick ‘Magpie Monday’ post with a couple of pre-loved Orla Kiely items.
This copy of ‘Excellent Women’ by Barbara Pym was chosen purely because it features the fab Orla Kiely ‘Striped Petal Print’ on the cover. I found it in Oxfam’s Online Shop which is full of tempting second-hand treasure.
The make-up bag came from eBay, and is perfect for carrying a stash of mini make-up items for a minibreak.
I’m linking up with Magpie Monday at Me and My Shadow where people share photos of their pre-loved finds.
I got out the habit of drinking alcohol when I was pregnant and then breastfeeding.
There are some advantages of not drinking. I sleep more consistently, and am less likely to snore. Plus it is really nice not to have hangovers. I think my skin looks better. And drinking fewer calories means I can eat more cake and chocolate without getting fat.
But sometimes I really fancy having a glass of wine, with the feeling of it being a ‘grown-up’ treat. And at parties and social gatherings, I don’t always want to have to explain to people why I am not drinking something that looks like what they have in their glass. So I was pleased to be offered the opportunity to review Eisberg alcoholic-free wine here on my blog.
I chose to try the Riesling. It tasted lovely and refreshing on a sunny day with my Sunday lunch. Perhaps a little sweeter than I would choose if I were buying normal wine, so I might try the Chardonnay next time.
They also do a Rosé and a red Cabernet Sauvignon. The full range is available in Morrisons and selected varieties are available in Asda, Waitrose, RRP £3.50. So cheaper than real wine too!
I was sent a bottle of Eisberg Alcohol-Free Wine for the purposes of this review. Photograph, words and opinions are my own.