Welcome back to Thrifty Thursday. Last time I shared with you one of my favourite money-saving apps called Shopmium. This week I’m sharing another app called Checkout Smart. This app is all about claiming cash back on your everyday items while you are shopping. A good tip is to have the app open while you are going around the shops so you can scroll through the offers.
Some of the products are free, whereas others are money back. Checkout Smart works in a similar way to Shopmium in that you must keep the receipt and upload it to the app when you have bought the item. The excellent feature of Checkout Smart is that it has a filter option so you can select which shop or supermarket you are in and only show the relevant products to that shop.
“New year, new me!” How many of us have uttered those words before? While it’s great to feel motivated in January for a year better than last, putting that into practice for all 365 days is hard work.
Organising finances is something many of us do at the start of the year. It’s the best time to do it, too. If you set yourself up well in January, it can have a ripple effect for the whole year. Now is the time to sort your PPI Claims, open that savings account and declutter your home to sell old stuff for extra cash.
There are a few ways to bring in cash when needed. But, we’ve listed three of the very best ways — from saving just a penny, to making a PPI claim — to to get organised with your finances and long-term solutions for the whole year.
If you’re planning to have children, you need to know what to expect. While most parents talk about the reduced sleeping hours – and you will truly have to function on two or three hours a night in the beginning – not everybody is completely honest about the costs inherent to raising a child. Bringing up a child in the UK costs more than the average home, according to the Centre for Economics and Business Research.
Ultimately, as a parent, you need to be prepared for a cost of over £230,000, which includes childcare and education until the age of 21. If you compare in terms of household budget, proportionally a British household will spend nearly 40% of their net incomes on raising a child. Of course, the more children you have, the more expensive it’ll be – although, thankfully, one household with two children spends less than two households with one child each.
Unsurprisingly, the costs vary depending on where you live in the UK. However, you’ll still be paying well over £200,000 to bring up a child everywhere in the country.
In other words, there’s no secret to cut down the expenses. But there are ways to maximise frugal living to make sure that you don’t break the bank!
Each child costs a quarter of a million
For 2018 I want to share with you all my thrifty tips and how you can save money and of course try new things. Each Thursday I will share something with you that I regularly do to save money in our household. Saving money this year is a big must on the agenda due to myself being on maternity leave later on in the year.
Here is the first Thrifty Thursday post for 2018!
I love to try new things. A few months back I discovered an app called Shopmium that let you do just that – try new things. It’s easy to use trust me! While I’m browsing around the supermarket I get my phone out and check out what I can try this week. My husband loves to see what I’m bringing home next with the weekly shopping! Although he wasn’t too fussed with the Chickpea snacks I got the other week!
Gardening is a lovely hobby to have and it can massively improve the aesthetic appeal of your home. But, did you know that your garden can actually help you save money too?
It sounds crazy, but it’s the truth. There are some weird and wonderful garden hacks that will make your garden look amazing while also saving money for you and your family too. Check them out here if you’re interested:
Grow Your Own Ingredients
Every family will spend a fortune on food throughout their life. What’s frustrating is that a lot of our money is spent on ingredients we buy over and over again. You spend money on a pack of tomatoes one week and need to get some again the next. Also, we can often buy things and not get good value for money as they go out of date. Again, vegetables and fruit are key culprits, as well as herbs. But, what if you started growing these things in your garden? You’ll end up with a colourful and vibrant space, and you can get all your essential ingredients for free! This is quite possible one of the best decisions you can make. It won’t matter if your tomatoes go mouldy as you didn’t pay for them and can grow more!
We all know that looking for work can be like a 9 to 5 in itself. The process of finding a job can be incredibly time-consuming with all the research involved, the carefully tailored cover letters and the continual tweaking of our CV’s. It certainly is a demanding process and takes resilience, persistence and determination.
Along with the stress of applying for jobs is the anxiety that we currently don’t have an income. The negative strain this can put on us can often lead us to make hasty decisions when applying for jobs that perhaps aren’t right for us. Or may lead us to making silly mistakes in important applications due the financial stress we are under.