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(, Sun 1 Apr 2001, 1:00)
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 Money saving.
	Money saving.Share your tips for saving cash.
Alt: What do you waste money on? Apart from my mother.
(, Tue 12 Feb 2013, 14:20, 270 replies, latest was 13 years ago)
 Sit down and look at your accounts in detail once every three months.
	Sit down and look at your accounts in detail once every three months.Try to buy things on card rather than cash (which helps when you're checking statements)
Slow cooking and freezing things is good.
(, Tue 12 Feb 2013, 14:22, Reply)
 I got Mrs B to keep all her receipts for January, as did I.
	I got Mrs B to keep all her receipts for January, as did I.Put them all in a spread sheet this morning, broken down by subject.
It's scared the shit out of her. GOOD. £750 a month on food? Ridiculous.
I don't use credit cards.
(, Tue 12 Feb 2013, 14:24, Reply)
 She's not. It's all organic this, £30 leg of lamb from the posh butcher that etc.
	She's not. It's all organic this, £30 leg of lamb from the posh butcher that etc. (, Tue 12 Feb 2013, 14:27, Reply)
 Is she ones of those people who buys a single banana on a tray from waitrose?
	Is she ones of those people who buys a single banana on a tray from waitrose?(, Tue 12 Feb 2013, 14:27, Reply)
 Because people are mental?
	Because people are mental?4.bp.blogspot.com/_xN7bGcsuXn4/RtWjIQob-TI/AAAAAAAAAts/SW1v2ncN8No/s400/waste_bananas_450x340.jpg
(, Tue 12 Feb 2013, 14:39, Reply)
 seems terribly wasteful.
	seems terribly wasteful. Although the new Costa over the way wanted 25p for a single apple. That's a lot for an apple.
(, Tue 12 Feb 2013, 14:51, Reply)
 If you see people buying individual bananas
	If you see people buying individual bananasJust sing th Banana Splits theme tune to them.
(, Tue 12 Feb 2013, 14:37, Reply)
 I'll tell my wife 'do you know we could rent a small pov hole in Milton Keynes for the same money we spend on food?'
	I'll tell my wife 'do you know we could rent a small pov hole in Milton Keynes for the same money we spend on food?'Yes. That'll do my argument a lot of good.
(, Tue 12 Feb 2013, 14:49, Reply)
 actually, it's about the same as my mortgage and all.
	actually, it's about the same as my mortgage and all. Well, monthly payments.
(, Tue 12 Feb 2013, 15:00, Reply)
 It's not far off mine
	It's not far off mineand I think "We could have a 3 bed Georgian flat opposite the Botanic Gardens in Edinburgh for what you spend on food" might work better than the Milton Keynes line
(, Tue 12 Feb 2013, 15:10, Reply)
 Not a bad idea, until you compare to her parents place on Heriot Row.
	Not a bad idea, until you compare to her parents place on Heriot Row.(, Tue 12 Feb 2013, 15:16, Reply)
 actually a good tip for y'all
	actually a good tip for y'alldo your expenses, year ends are looming and you may find your company won't honor expenses from the "previous" year if you leave iit too late.
YOURE WELMCOMER
(, Tue 12 Feb 2013, 14:24, Reply)
 Save all 1p, 2p and 5p into a pot
	Save all 1p, 2p and 5p into a potNever take out any change and bag anything up for the bank as soon as you can.
Watch out for special offers on stuff you buy.
Use Nectar/Clubcards, etc.
Alt:
Beer
(, Tue 12 Feb 2013, 14:25, Reply)
 Money spent on good beer is not wasted
	Money spent on good beer is not wastedshit beer is a different matter, though.
(, Tue 12 Feb 2013, 14:29, Reply)
 don't have a shit and expensive hobby like collecting outdated musical recordings
	don't have a shit and expensive hobby like collecting outdated musical recordings(, Tue 12 Feb 2013, 14:26, Reply)
 Dieting
	Dietingand giving up booze.
I never said they'd be tips you'd want to employ.
(, Tue 12 Feb 2013, 14:26, Reply)
 No, I'm not answer that one, sorry
	No, I'm not answer that one, sorryAlt: I've never wasted money on anything. Everything I've ever bought has served its purpose adequately.
(, Tue 12 Feb 2013, 14:28, Reply)
 my account is empty about 2 days before payday every month.
	my account is empty about 2 days before payday every month. I put 100 a month a side in a high interest(ish) account in case shit gets fucked up. Enjoy the rest of my money. All this "you must budget properly and have savings" I have no time for. I pay in to a pension, I already own a house, seems a bit like a boring waste of time.
(, Tue 12 Feb 2013, 14:28, Reply)
 I haz a pension
	I haz a pensionbut they wnat more of my money, more and more and more :(
(, Tue 12 Feb 2013, 14:29, Reply)
 you know you can just opt out and get a pension you like with a private pension provider right?
	you know you can just opt out and get a pension you like with a private pension provider right? My company one is shit so I don't bother with it. Well, I say it's shit, I have no idea, I've got a guy who does all my money stuff.
(, Tue 12 Feb 2013, 14:31, Reply)
 nah that's not what i mean, they match up to 4% which is standard i think
	nah that's not what i mean, they match up to 4% which is standard i thinkIf i do the calculations, on when i want to retire, and what i want my pension to be, then i need to pay in much more a month.
(, Tue 12 Feb 2013, 14:33, Reply)
 the general rule of thumb here
	the general rule of thumb hereIs that the percentage you pay in to your pension should be half your age. And Winders, if your employer contributes to yours and your IFA advised you to opt out then that is bad advice.
Nakers- don't forget to factor in tax relief to your calculations, and bear in mind that lifestyling means that investment growth in the last five to ten years of your pension will be lower than expected growth prior to that.
(, Tue 12 Feb 2013, 15:13, Reply)
 from what he showed me, I was getting a better deal going privately,
	from what he showed me, I was getting a better deal going privately, He's back next week to sign all the bits for the remortgage, so I'll go through it again. But there was all sorts of health payments and stuff linked to my life insurance that I'll be honest I didn't understand.
(, Tue 12 Feb 2013, 15:21, Reply)
 employer contributions is free money.
	employer contributions is free money.The only time I'd say to opt out is if the scheme was NEST. It's shit.
If you aren't clear on stuff then gaz me and I'll clarify things.
Also for Nakers: your mortgage will be paid off by then so you need less income.
HTH xx
(, Tue 12 Feb 2013, 15:26, Reply)
 sign up for the Lovefilm free trial, cancel a few days before the end of the 30 days
	sign up for the Lovefilm free trial, cancel a few days before the end of the 30 daysthey'll still charge you anyway, so submit a complaint on their website. it'll be refunded within a few days and they'll give you a £15 amazon voucher for the inconvenience
(, Tue 12 Feb 2013, 14:31, Reply)
 Only buy things that you can afford to buy.
	Only buy things that you can afford to buy.I have never owned a credit card and the only debts I've ever had have been a mortgage and a student loan.
Alt: I don't waste money. Everything I buy is necessary. My wife on the other hand...
(, Tue 12 Feb 2013, 14:32, Reply)
 Whilst I can see the value in this
	Whilst I can see the value in thisI love the people draw the distiction with a house. As in, "only buy what you can afford, except a house"
(, Tue 12 Feb 2013, 14:48, Reply)
 but renting feels so futile.
	but renting feels so futile. I'd rather pay the same in a mortgage on my own property than just give it to someone else.
(, Tue 12 Feb 2013, 14:55, Reply)
 Oh, absolutely.
	Oh, absolutely.I'm not suggesting it's wrong, just that if you're going to play the "I never bought anything on credit because I want to save up and be able to afford it outright" card, why are houses excluded?
Might as well say "I'd never buy anything on credit except my house, my car, my telly and a sofa I liked but I didn't have £2K kicking around at the time" ... I fail to really see the distinction.
(, Tue 12 Feb 2013, 15:01, Reply)
 I don't make the rules - when measuring debt levels, mortgages and student loans are not usually included.
	I don't make the rules - when measuring debt levels, mortgages and student loans are not usually included.However, when we bought our house we borrowed less than it was worth at a rate we could afford to pay back.
Since then the value of the house has increased, as has our income, while the interest rates have vastly diminished.
(, Tue 12 Feb 2013, 15:12, Reply)
 absolutely, I'm interested in why those who do make these rules exclude houses.
	absolutely, I'm interested in why those who do make these rules exclude houses.I'm not having a go at you, I just really don't see the distinction. Yes, house values can increase, but they aren't guaranteed to. And all the "not counting" as debt in the world won't stop the bank taking it off you and raping your credit rating back to the stone age if you stop paying, so it's no different in reality to any other debt even if people want to pretend otherwise.
(, Tue 12 Feb 2013, 15:15, Reply)
 I dunno badge
	I dunno badgeI guess it's because everyone has to pay for their accomodation one way or another.
My own experience of 'owning' a house is that it costs considerably less than renting one.
If I was renting right now I'd be paying two to three times more each month for something shitter.
(, Tue 12 Feb 2013, 15:19, Reply)
 I know, but I think you're missing the point.
	I know, but I think you're missing the point.Of course it makes financial sense, but it's still a debt, in the same way a credit card or a loan is a debt.
I'm not arguing against buying a house. I'm wondering why it is that some people cheerfully fail to see that as having a debt.
(, Tue 12 Feb 2013, 15:23, Reply)
 I understand your point fully and I do regard my mortgage as a debt.
	I understand your point fully and I do regard my mortgage as a debt.I suppose to go back to my original post - only buy things you can afford - I bought a debt that I could afford to repay.
(, Tue 12 Feb 2013, 15:27, Reply)
 I just got a sub 2.5% interest remortgage deal, without any stupid flopping about with current accounts or any other stupid crap.
	I just got a sub 2.5% interest remortgage deal, without any stupid flopping about with current accounts or any other stupid crap. There's 100 quid a month back in my pocket. Can't do that with rent or a sofa.
(, Tue 12 Feb 2013, 15:16, Reply)
 I'm not saying it's not financially clever.
	I'm not saying it's not financially clever.I'm saying a mortgage is the same as any other debt. It's a debt.
(, Tue 12 Feb 2013, 15:21, Reply)
 I suppose the only way it's different is that if you need to pay it off, all you have to do is sell the house?
	I suppose the only way it's different is that if you need to pay it off, all you have to do is sell the house?(, Tue 12 Feb 2013, 15:23, Reply)
 If you need to pay off the loan on anything else, you can sell that too.
	If you need to pay off the loan on anything else, you can sell that too.(, Tue 12 Feb 2013, 15:23, Reply)
 valid point, but I'd argue there's still a lot of people in deep shit becuase they made that very assumption
	valid point, but I'd argue there's still a lot of people in deep shit becuase they made that very assumptionand it turned out to not be true.
(, Tue 12 Feb 2013, 15:31, Reply)
 fair enough,
	fair enough, It is a debt, but as said above most other things that you do get in credit do not hold their value.
Cars are a prime example, depreciation is a bitch.
(, Tue 12 Feb 2013, 15:32, Reply)
 This is very true
	This is very truebut, I'd argue assuming that your house will appreciate is dangerous, as a lot of people are currently discovering. They won't always.
(, Tue 12 Feb 2013, 15:37, Reply)
 it's generally the case that borrowing to invest is a good thing.
	it's generally the case that borrowing to invest is a good thing.And it's pretty much impossible to save up the money to buy a house outright.
(, Tue 12 Feb 2013, 15:17, Reply)
 I'm not saying it's a bad idea, dozer
	I'm not saying it's a bad idea, dozerOf course it's better than renting. But it's bollocks to pretend it's not debt.
(, Tue 12 Feb 2013, 15:18, Reply)
 well of course it's debt
	well of course it's debtBut also investment. One of the few times when inflation is firmly on your side.
I'm remortgaging at the end of this year, and I'll be able to get it done on a commission basis. Either that, or just get on Trigold at work, find the best deal and go to the lender directly. Perks of working for an IFA, innit?
(, Tue 12 Feb 2013, 15:23, Reply)
 We were given a bag of Reece's buttercups recently
	We were given a bag of Reece's buttercups recentlyAll of us were sick as pikes. Vomit EVERYWHERE.
(, Tue 12 Feb 2013, 14:35, Reply)
 I know :(
	I know :(Thing is, I'm such a munter that I ate more later on. I thought there was a chance it was something else making us sick...I was wrong.
(, Tue 12 Feb 2013, 14:38, Reply)
 Homebrew in your shed.
	Homebrew in your shed.Oh man if I had enough money for decent kit and a shed to put it in... man oh man the brews.
(, Tue 12 Feb 2013, 14:41, Reply)
 I see, and what if i have lady friend over and she wants a Baileys?
	I see, and what if i have lady friend over and she wants a Baileys?(, Tue 12 Feb 2013, 14:46, Reply)
 That undoes your good money saving work of making your own booze thiougfhj!
	That undoes your good money saving work of making your own booze thiougfhj!(, Tue 12 Feb 2013, 14:50, Reply)
 Sometimes you're so stupid it physically hurts me to respond to you.
	Sometimes you're so stupid it physically hurts me to respond to you.(, Tue 12 Feb 2013, 14:51, Reply)
 buying something doesn't change that he saved money on the beer in the first place.
	buying something doesn't change that he saved money on the beer in the first place. Think about it.
(, Tue 12 Feb 2013, 14:55, Reply)
 I know that, I'm just saying it's not full proof, because some twat will want a Kahula and creme menthe cocktail
	I know that, I'm just saying it's not full proof, because some twat will want a Kahula and creme menthe cocktail(, Tue 12 Feb 2013, 14:58, Reply)
 BUT IT STILL DOESN'T STOP HOMEBREW SAVING HIM MONEY.
	BUT IT STILL DOESN'T STOP HOMEBREW SAVING HIM MONEY. As that person would ask for that whether he brewed his own beer or bought 24 cans of skol from aldi.
You're definitely doing this on purpose.
Also, fool proof.
(, Tue 12 Feb 2013, 15:13, Reply)
 Oh I know he does, but his way of trolling is just so thick, it  goes full circle to me getting angry at his actual stupidity not his pretend stupidity.
	Oh I know he does, but his way of trolling is just so thick, it  goes full circle to me getting angry at his actual stupidity not his pretend stupidity.(, Tue 12 Feb 2013, 14:55, Reply)
 I bet you're doing jazz hands at your computer now. 30m away from the nearest network port.
	I bet you're doing jazz hands at your computer now. 30m away from the nearest network port.(, Tue 12 Feb 2013, 15:02, Reply)
 I threw that wire away today, i couldn't think what else to do with it
	I threw that wire away today, i couldn't think what else to do with it(, Tue 12 Feb 2013, 15:04, Reply)
 Sheds are awesome. I want a second one, but don't think I'll be allowed.
	Sheds are awesome. I want a second one, but don't think I'll be allowed.(, Tue 12 Feb 2013, 14:48, Reply)
 I believe you can buy beer that has been created using fanny yeast..
	I believe you can buy beer that has been created using fanny yeast..I'd have a look but don't want to at work
(, Tue 12 Feb 2013, 14:53, Reply)
 Like those vending machines in japan where you can buy used knickers?
	Like those vending machines in japan where you can buy used knickers?I really can't believe that's true.
(, Tue 12 Feb 2013, 14:58, Reply)
 It was an art project.
	It was an art project.but yeah it existed and the SPOILSPORTS decided it was unsafe for human consumption.
(, Tue 12 Feb 2013, 14:57, Reply)
 with their unmarried parents, it's a good way for the hell bound to bond
	with their unmarried parents, it's a good way for the hell bound to bond(, Tue 12 Feb 2013, 14:51, Reply)
 Cook in bulk, then freeze in portions
	Cook in bulk, then freeze in portionsIf possible, freeze it in bags rather than pots, take up less room, and whilst not reusable, much cheaper.
(, Tue 12 Feb 2013, 14:47, Reply)
 + and don't share your PIN with anyone, no matter how trustworthy they seem.
	+ and don't share your PIN with anyone, no matter how trustworthy they seem.(, Tue 12 Feb 2013, 14:48, Reply)
 Jeffers is the only one on the money here.
	Jeffers is the only one on the money here.Earn more than you spend.
Alt: decent quality wine and gin. I probably spend too much on cars as well
(, Tue 12 Feb 2013, 14:50, Reply)
 I like butter and marmite on my crumpet
	I like butter and marmite on my crumpetalthough if I'm honest i prefer an English Muffin
(, Tue 12 Feb 2013, 14:56, Reply)
 I love crumpets
	I love crumpetsButter, cheese, marmite, anything really. They're nice with chocolate spread on them, but better if they're uncooked.
(, Tue 12 Feb 2013, 14:59, Reply)
 given they're cooked when you buy them
	given they're cooked when you buy themhe's not only mad, he's some kind of motherfucking wizard or shit.
(, Tue 12 Feb 2013, 15:02, Reply)
 Honestly, you try it
	 Honestly, you try itDon't cook 'em, just whack a massive thick slab of Nutella on it. Fucking LAVVLY.
(, Tue 12 Feb 2013, 15:03, Reply)
 The big thick ones might be, sure
	The big thick ones might be, surePlay it safe and get yourself a nice slim crumpet. A supermarket brand will be fine.
(, Tue 12 Feb 2013, 15:06, Reply)
 yeah and it's made with nuts and milk, so you KNOW it's good for you
	yeah and it's made with nuts and milk, so you KNOW it's good for you(, Tue 12 Feb 2013, 15:10, Reply)
 do they still do it in those little glass jars that make the sweetest little tumblers for guests to have orange juice in the morning after sleeping on your sofa?
	do they still do it in those little glass jars that make the sweetest little tumblers for guests to have orange juice in the morning after sleeping on your sofa? (, Tue 12 Feb 2013, 15:17, Reply)
 I've still got a little Asterix glass that once contained Nutella
	I've still got a little Asterix glass that once contained NutellaMrs Hats bought it for me when she lived over there
(, Tue 12 Feb 2013, 15:28, Reply)
 You know what, this is going to sound quite pretentious but I don't care.
	You know what, this is going to sound quite pretentious but I don't care.I only really enjoy it if I'm in France eating it with French bread.
Before you could get Nutella in this country I used to eat it by the lorryload whenever we went on holiday.
I often would want to bring a jar home, but it was never the same once I got it back - it doesn't have the same gooey runnyness that it has in a warmer climate and ends up tearing English bread to bits.
(, Tue 12 Feb 2013, 15:25, Reply)
 i like them with salsa and cheese and jalapenos
	i like them with salsa and cheese and jalapenoslike mini spicy pizzas but much lower calorie/fat
(, Tue 12 Feb 2013, 15:15, Reply)
 Crumpets with mature cheddar and Worcestereererererereershire sauce
	Crumpets with mature cheddar and Worcestereererererereershire sauceFT fucking W
(, Tue 12 Feb 2013, 15:17, Reply)
 Go on
	Go onI'd be delighted for you to tell me how a crumpet has fewer calories and less fat than an equivalent sized pizza base.
(, Tue 12 Feb 2013, 15:17, Reply)
 you muppet
	you muppetthe whole point is that it is NOT equivalent sized! so it's a small treat rather than a massive pizza!
(, Tue 12 Feb 2013, 15:19, Reply)
 i have silenced the badger with my ineffable logic
	i have silenced the badger with my ineffable logicthis is a Good Day.
(, Tue 12 Feb 2013, 15:23, Reply)
 So what you're saying here is you're eating less.
	So what you're saying here is you're eating less.you could just have a smaller pizza, you daft apath.
(, Tue 12 Feb 2013, 15:24, Reply)
 also, given crumpets are mostly made of butter
	also, given crumpets are mostly made of buttereven then it's probably not lower fat...
(, Tue 12 Feb 2013, 15:25, Reply)
 yes that is the point
	yes that is the pointnobody cooks or orders a pizza and then stops at a crumpet sized portion. this way you get to think you've eaten a pizza but actually you haven't.
come on darling, you know i'm right this time.
(, Tue 12 Feb 2013, 15:27, Reply)
 I make tiny pizzas all the time
	I make tiny pizzas all the timefor parties and shit as snacks or canapes.
So, some people do.
(, Tue 12 Feb 2013, 15:29, Reply)
 shit as a snack?
	shit as a snack?darling i love you, but please don't invite me to one of your parties....!
(, Tue 12 Feb 2013, 15:30, Reply)
 You've been out for dinner with Kroney.
	You've been out for dinner with Kroney.There's nothing I could do that would shock you.
(, Tue 12 Feb 2013, 15:32, Reply)
 yup
	yupand about as healthy once you've slathered half a pound of butter over it, but nom.
(, Tue 12 Feb 2013, 15:32, Reply)
 I had crumpets for breakfast today, fact fans.
	I had crumpets for breakfast today, fact fans.Mostly because they needed to be eaten before they went stale.
Which raises a question: how come when bread goes stale, it gets hard, but when crumpets go stale, they get sticky? And no, I don't think anybody is spunking on my crumpets. Not now I'm married, anyway.
(, Tue 12 Feb 2013, 14:56, Reply)
 crumpets do go hard when they go stale.
	crumpets do go hard when they go stale.So therefore, I'm afraid someone is spunking on your crumpets.
I'm not owning up, you've got no proof.
(, Tue 12 Feb 2013, 14:58, Reply)
 i don't have any
	i don't have anybut if i did, they would be things like no more taxis to/from work, fewer hair/manicure appointments, that sort of thing.
alt: if you enjoy it, or the recipient enjoys it, it's not wasted. money is only wasted on things like the ungrateful or the ignorant. or council tax.
(, Tue 12 Feb 2013, 15:14, Reply)
 Surely constructing all of your own furniture with your own allen key counts?
	Surely constructing all of your own furniture with your own allen key counts?(, Tue 12 Feb 2013, 15:15, Reply)
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