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Wednesday, 22 July 2020

Back to basics

After taking Bertie for an early morning walk I settled down in front of my laptop to check my banking. My pensions and payments arrive in my bank account over a period of 3 days so I normally wait until they are all present and correct to pay what needs to be paid and put money where it works best. As many of you already know I keep a notebook with all my grocery receipts in.  Writing things down makes me accountable for my spending. 


Back in November when faced with my car costs I set myself a challenge to attempt to claw back as much of the £418.80 as possible by actively seeking out yellow sticker bargains and other discounts. Below in red is text pasted from that post. Those savings came to £104.79  and I have made a further £159.83+ which I will write about very soon  as I'd like to show you some of the receipts for the best Yellow sticker shops I got.  I predicted that I would need £8 a week to reach my target and I have fallen short. This is mainly due to the change in my grocery shopping from weekly to fortnightly or indeed longer due to the Corona Virus. But the savings so far more than cover my car insurance of £263.80. My average Monthly spend this year has been around £160, with some months being much higher than others. And of course that includes Bertie's food which I hadn't really taken into account when I started. Food prices are rising too due to Brexit and the worldwide pandemic. I had hoped to keep monthly spending to £120-£130 which would be subsidised  with yellow sticker goodies, so its back to basics until the end of November. 


The first step is to go back to cash when it comes to groceries, even if that means me scanning my own groceries at the checkout.  I still have money on all my grocery cards purchased in October last year through hubbies works scheme. I have been putting the cash to one side each month for the cards and have just topped the Tesco and Asda  cards up  to the original balance of £900. But swapped the amounts to £500 on Asda and £400 on Tesco.  The Easy Saver Card I can use in numerous other shops like Iceland and Argos isn't available at the moment but once I have £300 saved it will go on there. These will go in the safe until the end of November now, ready to start next years budget afresh.  


So its back to stricter meal plans, shopping lists, internet surfing for the best grocery offers(oh how I miss mysupermarket), utilising home grown and of course yellow sticker bargains. The cupboards, freezer and garden is well stocked so I'm giving it my best shot. I have 3 months to claw back more savings and therefore looking for a monthly spend of £100. This will bring my average monthly spend down to £140. All of this will still be done with my safety in mind. My masks and gloves are at the ready and I'll only shop when the shops are quiet. 


CAR 

£263.80

BRAKES

£90.00

MOT

£65.00

Total Cost

£418.80

Discount Place 

Original Cost

New Cost

Savings

Date

Supermarket Cards 

£1,200.00

£1,143.00

£57.00

22.10.19

Yellow Sticker Tesco

£4.56

£2.43

£2.13

22.10.19

Asda Clothes Discount 25%

£104.00

£74.00

£26.00

17.1019

Xmas Bits

Yellow Sticker Tesco

£14.32

£3.99

£10.33

22.10.19

Yellow Sticker Tesco

£10.64

£4.71

£5.93

22.10.19

Yellow Sticker Asda

£8.49

£5.09

£3.40

24.10.19

 

Bye for now. Tx












18 comments:

  1. There's definitely still savings to be had out there but I think we have to work at it a bit more at the moment. I don't know about you but we're not shopping in different shops for the best prices as much as we used to as we just want to get in and out when shopping. It's good to see yellow stickers still around though.

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    Replies
    1. The pandemic certainly made it more difficult to save money. I have got a great store cupboard which I'll keep topped up and look to fill the gaps with offers.

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  2. Hi Tania, it is good to make a note of all spendings, it is so easy to go over budget if you don't isn't it. I am looking to cut down on spending a bit now, only 5 months to Christmas as well. I am sure you can claw back more savings being the thrifty person you are. I feel awful popping out for yellow stickers but if I need to save money that's what I have to do and I am always well protected though and keep well from others. xx

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    Replies
    1. You are the YS queen. We all have reasons why we want to save money you know mine. If you can get quality food cheaper it's a win win situation.

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  3. You put me to shame with your savings. I do visit several supermarkets to get the best price and the farm shop for my fruit and veg which is much cheaper. My garden is producing a lot of my veg and salad at the moment which is a great saving. Fortunately my clothes purchases are minimal and I knit and crochet most of my jumpers and cardies. You are very lucky in the uk to have a selection of cheaper supermarkets. You may remember in Jersey we are very limited. Coop, Waitrose and a Jersey chain. Non of them cheap! Good luck with your shopping. B x

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    Replies
    1. Thank you. Jersey isnt a cheap place to live as I recall. But it's beautiful.

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  4. I'll be interested to see how this works out for you as these are different (and more demanding) times aren't they. But you did so well when you were preparing to retire that I'm sure you'll sail through it!

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    Replies
    1. Thanks Anna. Living on my pension in the run up to my retirement really did make me realise I much money I wasted because I rushed everywhere and didn't plan. We have better meals now for far less.

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  5. Well done on all your thriftiness. It just shows what a little time spent working things through, can do for you : )

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    Replies
    1. I'm looking to save as much money as possible over the next year. Getting back to basics will certainly help.

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  6. Well done. The pandemic and rising prices have paid havoc to all our budgets and shopping habits I think.

    God bless.

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    Replies
    1. The panic buying at the start was crazy. Now we have both the pandemic and Brexit to deal with in the UK.

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  7. You sound really organised and determined so I am sure you will succeed. It is hard at the moment though to shop around. We only have small Coops and Sainsbury's in my home town and they are quite expensive. I was getting some things from Lidl opposite school but obvs not going in for the next 5.5weeks. It's been good getting free food from the garden and my Mum's garden. I found a huge glut of amazing blackberries from round the corner earlier which was great!

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    Replies
    1. The blackberries on my walk are starting to ripen. I reckon another 4 weeks and I'll be able to start picking ready for BlackBerry jam.

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  8. That is an impressive list of savings. I too am planning on making blackberry jam as soon as they ripen. I might make some plum jam too as they will be ripening quite soon. I wish I had made charry pie filling when the trees were full of cherries. I could kick myself.

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