Follow in your grandparents footsteps

If you think back to when you were a child and used to visit your grandparents, I bet you can remember lots of things your grandparents used to do that save money compared to how you live now.

Here are my top 10 tips for how to save money like your grandparents:

1) Pack sandwiches and a flask of tea – I bet your grandparents wouldn’t have paid £2.50 for a cup of tea on a day out!

2) Put a jumper on. Before central heating your grandparents wouldn’t have had much choice. An extra layer would keep them warm.

3) Walk! Your grandparents would happily have walked the half mile to the local shop for bread but I bet you don’t think twice before jumping in the car for the same journey.

4) Make do and mend! We live in such a throw away society now. Everything seems to be disposable. Clothes, appliances etc can all be mended to extend their life rather than thrown away at the first sign of wear.

5) Wear clothes more than once before washing!

6) DIY – would your grandparents have paid someone to do the gardening/ decorating/ cleaning? Have a go yourself!

7) Save if you if you want to buy something. In the old days, if you wanted something you would save up and only buy it when you had enough cash. Today it seems to be the norm to buy now on credit and pay later in instalments. If you can’t afford it, just don’t buy it, especially if you end up paying loads of interest.

8) Cook from scratch. Remember your grandma’s home cooking? No expensive ready meals or pre-prepped veg in those days!

9) Dry washing on the line. If the sun’s out or the wind is blowing, get your washing out on the line. You’ll be amazed how quickly it dries even on a cool day, and no expensive electric bills from using the tumble dryer.

10) Pay with cash. Much of our debt and budgeting problem nowadays comes from using cards to pay. It’s all too easy to shop without really realising how much you’ve spent and how much you have left. If you use cash, you can only spend what you have with you.


Father Christmas and the Round Table

Another free family Christmas tradition.

One of the things I remember about Christmas as a child is Father Christmas driving down the road in his sleigh with Slade’s Merry Christmas Everybody blaring out. My Dad still gets excited about it now!

Now that I have kids of my own, I always look out for the schedule of when the local Round Table Santa will be in our area. His route doesn’t often go past our house so we always wrap up warm, put on our Santa hats and head out to find him.

As we are usually one of only a few families who’ve gone out specifically to see Santa, we get the added bonus that he often gets off his sleigh and comes over for a chat and a photo!

The kids pop a few coins in the charity collection buckets and enjoy their lolly in return. Everyone’s happy, and no-one has had to part with huge sums of cash.

If you haven’t already seen Santa go by your house this year then look up his schedule for your area- there are still a few days left to find him!

The Christmas Tree

The second of our family Christmas traditions…

Ever since moving into our house, we have had a real Christmas tree each year. You could argue this is an unnecessary expense, but for me it wouldn’t be Christmas without a real tree in the lounge.

In our family, buying the tree has become an event in the Christmas calendar, and this year Saturday was the big day.

This year we bought our tree from a local nursery (Davies Brothers in Burnham), and made it into a morning out. The nursery had real reindeer, and an amazing (& very realistic!) Father Christmas in his grotto. They even had hot drinks and mince pies to eat whilst in the queue. And all of this was free, they just asked for a donation to charity.

We had a lovely morning, and it definitely got us in the Christmas spirit. And even better, apart from the cost of the tree (which was actually cheaper than other comparable places), all it cost us was a donation to charity.

We then came home and decorated the tree all together, then rummaged through the boxes looking at all the other Christmas stuff.

To finish off a really lovely Christmassy day, we went to visit the Christmas tree festival in a local church (St Luke’s, Maidenhead).

Your family Christmas can be whatever you make it. It could be expensive trips to see Santa in elaborate grottos, but you may have just as much fun just spending time as a family, starting your own traditions and enjoying community events.

Our Christmas Elf

It’s been a bit quiet on the blog for the last few weeks as I’ve been preoccupied thinking about both Christmas and my daughter’s 5th birthday.  The birthday is now out of the way so I’m in full on Christmas mode!  I thought I would do a series of posts telling you about some of the Christmas traditions that we have in our house, and it won’t surprise you to know that they don’t cost a fortune.

Many people these days do the elf on a shelf thing, which looks a lot of fun.  And I’ve heard of others who do a book advent calendar.  Well, we’ve combined the two, and we have our very own elf who comes each day and brings books!

My daughter’s birthday is on 3rd December, so our elf is very considerate and waits until the birthday rush is over before making his appearance in our house.  On 4th December he arrives, bringing with him a letter explaining that Father Christmas has asked him to come and report back to the North Pole on the children’s behaviour.  If he thinks their behaviour has been good enough, then each day while we are eating our dinner, he will come into the house and hide himself somewhere, holding his signature blue gift bag containing a Christmas book.  The children then rush to find him after their tea and read the book as their bedtime story.

Twenty-one days of elf visits means twenty-one books, which sounds a lot and could be expensive.  But not the way I do it… I started this tradition a few years ago when I realised how many Christmas books we already had, both from gifts and some from my own childhood.  Since then I have been keeping an eye out for Christmas books in charity shops and facebook sites and have accumulated a grand total of 35 Christmas themed books!!  Some of them are still a bit old for my kids so I’m saving them for future years, and I have sorted the others out to a book or two for each day.

I didn’t buy the elf specially for this either – he was a Christmas decoration that I bought pre-children who has now been put to good use!

Some days the elf might bring other Christmas goodies too, like Christmas socks, PJ’s or puzzles.

Once all the books have been read and the Christmas period is coming to an end, we have to find a way to get the books put back away for the next year, as I don’t want a house full of Christmas books all year! (It’s bad enough that my 3 year old seems to be obsessed with reading Easter egg books in December!)  So on New Year’s Eve, we hunt around the house, gather together all the Christmas books and leave them on the front door mat.  The elf then comes during the night and takes them all back to Father Christmas, ready to use again the following year.

So now you’ve heard all about our Christmas elf tradition…I’d love to hear about what everyone else’s elves get up to!

Wrap up the savings

If you’re trying to watch the pennies then I imagine you think carefully when buying gifts for friends and family, and shop around for the best deals. But do you consider how much you spend on wrapping your gifts?

Gift bags are always a nice way to present a gift, but they’re also not cheap at around £1 a bag. I had a quick count and I reckon I have given around 25 birthday presents this year. That could be £25+ spent just on gift bags! In fact I haven’t bought any gift bags this year but have instead reused those given to me. Most of them still look as good as new (once I’ve cut off the old tag!)

I also don’t understand why anyone buys individual sheets of wrapping paper! Why would you spend £1 (or sometimes much more) on 2 small sheets of paper when you could buy a roll around 4 times the size for the same price! (Plus it’s easier to wrap big presents with a roll of paper). The best places I have found for cheap, good quality paper are Lidl, Wilko and even Primark. Lidl only do their wrapping paper a few weeks a year but their Christmas wrapping paper is coming up on 16th Nov.

And finally… if you automatically reach for the sellotape when in the supermarket then think again. I’ve just looked at the Tesco website and branded sellotape is currently half price at £1 for 50m which sounds pretty good. But compare this to Wilko’s own brand tape which is permanently 30p for a 60m roll and suddenly the branded tape looks rather expensive! I’ve been using the Wilko tape for a couple of years now and it’s great quality. And while you’re at it, pick up a tape dispenser for £1 from the £1 shop and make your Christmas wrapping easier!

I still like Smithy from Gavin and Stacey’s method of wrapping gifts using tin foil, but if you’d rather stick with more traditional (& probably more socially acceptable) wrapping then why not try the tips above to save yourself a few pennies this Christmas and through the year.

What if your weekly routine was 8 days long?

This is something I have thought about a few times.  Society seems to dictate that we do almost everything on a weekly basis these days.  Weekly classes, the weekly shop, changing the bed sheets…but who’s to say that 7 days is the optimum interval between any of these?  What if you were to ignore the day of the week and just do things when you need or want to?

Ok, so there are probably lots of things we do weekly just to ensure they get done regularly enough – I mean how many people wake up and think “I think I’ll wash the bed sheets today” or “My body feels like it’s exactly the right period of time since I last went for a run, I must go today”!!

But think about your weekly shop for a minute…by the time you do your weekly grocery shop, are you always totally out of food and desperately need to shop that day?  Or could you stretch it for another day?  If we all just bought exactly what we needed to last the period until the next shop then this theory wouldn’t work, but no matter how careful you are, for most people there is an element of impulse or unnecessary purchasing as part of the weekly shop.  Reducing the number of shops would reduce the opportunity for this type of spending.

If you do your weekly shop every 7 days then you will do 52 (or 53!) shops in a year.  By switching to every 8 days instead, you would reduce the number of times you do your shopping down to just 46 a year.  That’s around 7 fewer “weekly” shops and opportunities for spending across the year.

I realise there are flaws in this theory – there’s a risk you may just end up spending one seventh more each time you shop!  Or you may have such a busy schedule that there is only one convenient time in your week to get your shopping.

Whilst for most people the routine of a weekly shop works well for their lifestyle, for others it is possible to vary the time between shops depending on current needs.  All I want to suggest is that before you do your next big weekly shop, have a good look through the fridge and cupboards and decide whether you actually already have enough to last another day or two.

Eat out for less

Eating out in cafes and restaurants is a luxury. One that many of us used to enjoy regularly before having children. But once you have children, often your disposable income drops and with more mouths to feed the cost of eating out increases (especially with the amount my kids eat!), making it a habit that most of us can no longer afford as often as we’d like.  Here are some ideas to help cut the cost of eating out as a family:

Choose your meal – If you usually go out for dinner, why not consider trying to go out for a light lunch instead, or even better go for brunch.  Brunch in a cafe works really well as a family meal, what kid doesn’t love a sausage sandwich?  And the best thing is that brunch is almost always cheaper than other meals  – there’s no temptation to pay for expensive alcoholic drinks or puddings!

Discount codes – Most of the big chains now offer discount codes for meals out.  Before you go out, check the restaurant’s website for offers.  Also O2 priority and 3’s Wuntu apps often have discount restaurant offers as well as others.

Tastecard – For anyone who doesn’t know about this, Tastecard is a scheme whereby you pay around £30 a year for a card which gets you 2 for 1 or 50% off food in a whole range of restaurants.  If you’re eating at the big chain restaurants, you can often get similar offers direct through free discount codes, but Tastecard also includes lots of small local restaurants and pubs.  It’s down to your personal situation as to whether it is worth paying the £30 a year for a Tastecard, but you can almost always get a free trial to see whether you would use it. (In fact I think I’ve had 3 free trials in a row this year somehow!!)

Choose between starter and dessert – Starters and desserts generally cost around £5 each.  Try to choose either a starter or a dessert rather than going for both (or why not get the best of both worlds by sharing one starter and one dessert between two of you?)

Drinks – The drinks bill in a restaurant can easily come to as much as the food.  Try limiting yourself to just one alcoholic drink each, or if you’re really serious about cutting the cost, enjoy the restaurant food and just drink soft drinks or tap water while you’re there, and then have a glass of wine when you get home instead.

Dine in – Don’t always assume you need to go out to have a luxury meal. For our last wedding anniversary we opted to cook a nice meal at home instead of going out to a restaurant. We bought some lovely expensive Ocado steaks and a good bottle of wine and enjoyed good food and drink in the comfort of our own home instead of a restaurant. Despite spending much more on ingredients than we would for a standard meal at home, the meal was much cheaper than if we’d gone out. Plus we didn’t have to worry about who was driving, or taxis or babysitters.

We used to eat out regularly, to the point that when asked what she wanted to do at the weekend my daughter would often say “go to a cafe”.  Since keeping a closer eye on our spending we have tried to limit eating out to make it more of a special occasion treat.  It’s amazing how much more you appreciate a nice meal out when you do it less often.