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You are here: Home / Archives for Home and Lifestyle / Finance

4 Ways To Save Big For Those Who Are "Big Spenders"

November 5, 2012 by Trish

If being frugal with your pennies rather than frittering them away on whatever tickles your fancy was fun, then surely Dame Shirley Bassey would have been singing ‘Hey Big Saver’ wouldn’t she? But she’s not; she’s singing and celebrating the fact that spending money is just plain fun. In the name of research lets pretend that the great Dame has fallen shy of the rent for a couple of months, and needs to find a fun way to curb her spending tendencies for a while.

Image courtesy of Jeff Belmonte from Flickr – http://www.flickr.com/photos/72236935@N00/8228640/

1)  Dining at Home

Instead of taking to the a la carte menu at the Raffles every night (or in more common cases the occasional buy one get one free Italian) Dame Shirley could try getting creative in the kitchen at home. Make cooking a social activity, get friends over, cook for a partner and test those culinary skills to the limits by riffling through recipe sites. For really cash-strapped times making a trip to the  green grocers may be more economical than the average supermarket.

2)  On Your Bike


Ethical travel is all the rage right now, so even a megastar can look hot on two wheels instead of behind the blacked-out windows of her chauffer-driven limo (expensive!) It’s surprising how much can be saved from avoiding the car whenever possible, take the money saved in petrol from short trips and pop it in a jar, the pounds will soon mount up and you can spend them on something even more fabulous.

3)  Home Screenings

Instead of attending that movie premier, or paying out an extortionate amount for cinema tickets with friends, try hosting a home movie night; pop your own corn, grab a bowl of chips and snuggle around a classic film. You could even pay out for a monthly download package and split the cost with friends, it’s likely to be less than the cost of one trip to the flicks. Make even more money sense by transforming your lounge into a screening room for the night, ask guests to bring a bottle of wine or some nibbles (cutting costs for you) and be the hostess with the moistest for the night.

4)  Swap Shop

Clothes swapping is one of the biggest sustainable trends around, and it’s seriously cost effective way of revamping the wardrobe. Bassey would only need to perform a quick Google search for clothes swapping events in her area (likely to yield some serious fashion potential, or she could play host and invite round all her most fabulous friends, just make sure people attending bring clothes of equal value or quality or there could be fisticuffs.

What Now?

So saving Vs. spending might not be the ideal, but in times of need even large-lunged megastars might need to cut costs a bit in order to get by. By planning ahead, getting creative and involving friends in frugal activities it means you don’t always have to miss out on fun times.

Attached Images:
  •  License: Creative Commons image source

Author Bio | Geoffery is a finance guru who specialises in instant access savings deals (http://www.fairinvestment.co.uk/instant_access_savings_accounts.aspx) and high interest savings accounts (http://www.fairinvestment.co.uk/savings_accounts.aspx)





Filed Under: Finance, Home and Lifestyle Tagged With: cut spending, frugal, home dining, ride bike, save money, TV

Frugality | When Saving Money Is Not The Answer

October 2, 2012 by Trish

Many people adhere to the rule that if something is broke you should try to fix it, it’s a money saving strategy that dates back to the good old days of darned stockings, but should some money saving tactics be left to the good old times? When saving starts to waste money maybe it’s time to rethink tactics.

Time Wasted on Freebies


Freebies are a great marketing gimmick; they lure people in, especially those intent of saving at every possible opportunity. But freebies are seldom free. Whether it be the time taken to find the freebie on the internet, printing the coupon which will cost you in ink, time away from work or other activities to collect the freebie, or even gas to get to the location of the freebie, it’s not always worth making the effort. Unless the freebie happens to be on the street as you walk passed, handed to you straight away with no hint of “maybe you should just come in and look at our other items” guilt trip, then don’t think it’ll be saving you any money.

Saving Money Equaling Poor Performance Products

It’s fairly obvious that buying a cheaper product will often mean less time and cost has gone into producing said product, and as a result, it may not be as reliable or long lasting as one purchased for a slightly higher price. That said it is sometimes easy to be taken in by clever branding and pressured into buying something because of the pretty packaging. Take stock, get advice from others buying the product, but don’t always go for the lowest priced item as you may be disappointed or even have to pay out more to replace it when it stops working after a short period.

Frugality Versus a Good Time

If living a frugal lifestyle means hardly ever eating out or taking a trip away, when it comes to that special occasion, make it worthwhile and eat out or book somewhere which costs a bit more. If the result of wanting to save money is in an unpleasant meal or dirty hotel room then the chances are enjoyment won’t be high on the list for this one off experience, it’s about knowing which instances to stop the penny pinching.

Times When Savings Are Useful

There are of course times when being a savings expert can help make life a little easier. Fitting in errands whist on the way home may not take up much time that could be spent earning money or enjoying family time, equally the extra time taken to make a large batch of one meal so some of it can be frozen for nights when time is short, may save a lot of money on time-reducing takeaways or ready meals.

Sometimes the rule of if broken fix it has its place, it may be cost effective to sew up a ripped skirt to save money on buying a new one, but not necessarily on socks which can be bought for less than the cost of the time taken to repair them. Equally when it comes to enjoyment and offers, it might be best to spend a little more on one offs to reap the saving returns in the long run.

Author | Geoff is a personal finance expert – specialising in the online payday loans market, for businesses likes Wonga in the UK.

Filed Under: Finance, Home and Lifestyle Tagged With: answer, coupon, enjoy, freebies, frugal, living, lose, lure, money saving, poor performance, Saving, tactics, waste money

10 Easy Ways To Become More Energy Efficient

September 22, 2012 by Trish

If you’ve somehow managed not to notice the amazing worldwide downturn in the past 4 or 5 years, then it’s probably best you keep on doing what you were. However, if you haven’t been living in a cave without a TV or radio, you’ll know that times are tough for many. Economies have been faltering, and growth in many countries has all but stopped, so now is the time to make your household more efficient and asve some money. Here are some easy tips to help you out:

1 – Install an Energy Monitor
As the world slowly becomes more aware of the need for energy saving, energy monitors are getting cheaper and cheaper. Some companies now give them away at reduced rates or even as freebees, so see if you can get one on the cheap. They are quite easy to install usually, and allows you to easily monitor your home usage.

2 – Reuse Your Water
Showering or using the bath takes a lot of water, and a lot of energy to heat all that water. If you leave the water in the bath when you’ve finished it will stay warm for most of the night, helping to heat the house. Once it’s cooled you can use it to water the garden, or invest in a grey water recycling systems, and use it to flush your toilet.

3 – Be Frugal
As boring as it sounds, being frugal is the best way to save money and become more energy efficient. Put on another jumper, turn the heat down, turn lights and appliances off and bask in the savings you’re getting

4 – Heating Controls
Heating controls work most efficiently when they can be controlled in individual rooms. This can be simply turning radiators off in rooms that you don’t use, or more complicated heating systems that will allow you to program a schedule. Make sure also that you’re not using the timer to keep the heating on for longer than you need.

5 – Turn Things Off
It seems silly, but not enough people do it. Manufacturers have built standby systems into many different electrical items because of our innate laziness, but they use a lot of power over time. Simply getting up and switching things off can save you a whole load of power over the course of a year.

6 – Check The Levels
Read through the manufacturer’s instructions and make sure you’re not using electrical items such as fridges and freezers, heaters, boilers and thermostats on a higher setting that you need. Many people unwittingly run appliances at higher levels than needed, constantly costing them money.

7 – Insulate
If your home is well insulated, more heat will stay in, therefore meaning you need to spend less on heating. It’s simple but it works. Try and target roofs and walls first (especially if you live in older houses), as they tend to be the places that lose the most.

8 – Rechargeable Batteries
As a country, we discard over 600 million batteries per year. They’re costly to purchase in the first place and tricky to recycle. Why not replace all the batteries in the house with rechargeable ones, the electricity costs from recharging them will be far less than the cost of new ones.

9 – Energy Efficient Lighting
Compact fluorescent lighting has become more and more popular in the past 5 years, especially since government directives to phase out filament bulbs has begun. The technology has improved vastly, and now there is little noticeable difference between them and the old style products.

10 – Draught Proofing
Along the same lines as insulation, there are often many places in a house where air can escape. This acts as a heat drain, and hinders the good work you’ve been doing in the rest of the house. Make sure that doors and windows don’t have gaps, and if you can afford to fit new ones look into draught excluders and secondary removable glazing panels.

Image courtesy of: www.flickr.com/photos/jwthompson2
Rob is home energy specialist working for a electricity price comparison site www.electricityprices.org.uk. He is passionate about ecological matters, and loves finding easy ways to save money.

Filed Under: Finance, Home and Lifestyle, Living Green Tagged With: compact fluorescent lighting, draught proof, energy efficient, energy monitor, frugal, insulate, rechargable batteries, reuse water, save money

Absolutely freezing this past weekend!

January 25, 2011 by Tricia

It seems that we always have one day every weekend where we run around to different stores buying the things we need to get us through the week. I guess it’s a good thing that for the most part we manage to get the majority of our shopping done each week in one day instead of shopping several times throughout the week.

This past Saturday was our big shopping day and we sure picked the coldest day of the year to go out. I really mean that. I was -33 Celsius outside during the DAY! For my American visitors that’s -27.4 F. Bone chillingly freezing!

Our neighbors were “visiting” their house and must have been doing some kind of toxic renovations because they had their windows open most of the day. Can you believe they had their windows open when it was that cold outside? They either really had to do whatever they were doing renovation wise and couldn’t put it off until it was a little warmer outside and would make a little more sense (and be a little less costly) to have the windows open all day or else they really aren’t all that smart!

In one of the areas that my husband and I went to do some of our shopping there seemed to be payday advance loans stores on almost every corner. You know … like donut or coffee shops. LOL I don’t think I’ve ever seen a street or area that had so many cash advance or money lending places so close together. Not that I’ve noticed before anyway. Strange. Perhaps that area has a higher incidence of people that borrow money? I suppose that information could be discovered. It was strange though.

Even though it was such a cold day in Toronto on Saturday I’m glad that we went out and got everything we needed because as it turned out, we spent a good portion of Sunday fixing our leaking upstairs toilet. Yeah … I can’t say that my husband nor I had a very fun weekend … but everything is done now.

Filed Under: Canada, Finance, Home and Lifestyle, Items to Try, Life with Chris, Toronto Tagged With: busy, Cold, dumb, fix, freezing, husband, leaking toilet, loans, neighbors, open windows, renovation, Shopping, upstairs, very cold, weekend

Extra hours for my husband

January 19, 2011 by Tricia

My husband lucked out this week. He’s getting a lot of extra hours at work. One of his co-workers was working on Monday and she threw her back out and I guess she hurt herself bad enough that she might not be back in all week. So my husband is working 10 to 12 hour days.

Of course he’s really tired. He just stumbled by me mumbling something about letting the dog outside for a minute and then he was going to bed. Maybe he should take some multiple vitamins to help give him some extra energy and keep him healthy.

His co-worker who hurt her back might even be off next week so he might get extra hours next week too. Good for us money wise, but my husband will have to find a way to get more sleep so he’s not so tired.

Filed Under: Family, Finance, Health Fitness + Beauty, Home and Lifestyle, Items to Try, Life with Chris Tagged With: back, Chris, extra hours, hurt back, husband, money, work

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