I Thought we should share tips on saving money,
So for me:
Shop at Aldi, for provisions (its not bad, honest)
Shop at butchers for meat
shop at grocers for fruit and veg (Note, the fruit and veg shop in midleton is desperate, so i get mine from Aldi, much better and cheaper too)
Take packed lunch to work, (i take soup) no only is it better and cheaper, its to tempting to pick up bars and crisps etc.
cut down on junk and goodies, try doing a shop without picking up crisps, chocolate, sweets, cakes, nuts, soft drinks, you will be amazed
try to make your own, things such as pizza’s salads etc, they are very easy to do and can save a good bit.
Soup is easy to make, cheap, feeds loads and uses up lots of scraps you have lingering around chicken stock is particulally easy to do with used carcass’s
on long trips, take a packed lunch instead of buying the “breakfast roll”
Cut down on the Skinny latte’s. they cost a fortune.
Drive slower, i changed my driving habits from 70 mpg to 55 mph and have Gaiined 25% on MPG
Service your own cars, if its out of waranty, this can save you loads.
its not that difficult, and parts etc are usually easy to aquire.
Use fully synthetic oil, this saves you 4-5 mpg. and resist the urge to change it more frequently than recommended. many people change oil every six months , modern oils can last twelve months/30000 miles.
Have the tyres inflated properly, and ask for more efficient tyres on a change. a propery looked after car will be more efficient, also remove excess weight (youl be suprised what’s in the boot)
(a smaller car can be good but capital outlay is a killer)
don’t or buy it from the supermarkets, save the pub for a once a week treat
Ensure your gas/electric system is functioning properly and is well serviced. A NOTE HERE!!!
i bought a brand new house with the latest heating system installed. on closer inspection, the damn thing was wired up poorly, and missing key components (bypass valves/TRV’s etc) ensure your systems are properly installed, (ITs saved me a fortune)
Also, look carefully at the ventalation points in your house, in mine i discovered the outside air bricks were not sealed to the inside volume, thus the cavity was being ventillated and thus loosing tons of heat
~If you are brave, try E-bay, yes i have had a few duds, but the majority has been good and saved me a packet (Kids clothes that is)
Buy clothes for work and clothes for best, this my sound stupid but i work in an office and i have bought two pair of pants and 5 shirts, thus i do not have wear my “posh casuals” to work (wearing them out)
Loans; have your loans rolled up into one top up on your mortgage and avail of the cheaper rate, do not be tempted however to spread them over the life of the mortgage (buying a car over 30 years is a bad idea)
for me, i had a top up for a car loan last 6 years, which is the probable amount of time i thought it would last, i tried to match the repayments to the depreciation, any thing higher and we could’nt afford the car.
I’ll post more as i thing of them, but in truth, stay away from shops, you will only spend money