Super King Size Bed!

Something that I find difficult, is the desire of wants versus needs. I wanted a King Size bed, mostly because we allow our dogs up on the bed and more space would be wonderful! This was not a need, and when looking at costs, it was starting to look like a big expensive when we had a perfectly usable double bed.

So i started looking on Facebook and Ebay. Sure enough, just 20 minutes down the road we found someone selling, not a King Size bed, but Super King Size for £50! It was a bargain that we couldnt turn down!

We went to collect it in a borrowed van- no cost. It was in great nick so we payed the £50 and came home.

We payed £12 to buy paint, then I started painting the bed and hubby finished it. We found two sheets for £11.99 each at the Range, already had a King Size duvet which fits great so no extra cost and the biggest expense was finding a mattress! We trawled around lots of stores, it got tedious and I couldnt believe the cost of mattresses! In the end, we found the perfect mattress in Carpet Right of all places, £350 including free delivery!

The bed is amazing, so much space! I love, love, love it! The paint was just to freshen it up a little and help it fit in our room, it wasnt necessary but looks great! Looking round for second hand items is so underrated, we could easily have spent double what we did buying everything new and not as good quality!

Costs:

  • Bed frame £50
  • Mattress £350
  • Paint £12
  • Sheets £23.98
  • Van borrowed so no cost

Overall cost: £435.98

12 Tips for Buying Online

  1. Shop around- if you know what you would like, check different websites to ensure you are getting the best deal. Very and Littlewoods often have the same items, yet sometimes one can get you a cheaper deal on the same item than the other
  2. Check for cashback- this is something that I need to get on top of, I read about people getting money back on things they were buying anyway!
  3. Leave items in the basket for at least one night- if you aren’t desperately in need for the item, or if it isnt already in the sale! I did this recently, partly to manage impulse purchasing but also to see if any offers would be sent through to my email to tempt me back. I got an email the next day to say the items in my basket were now in the 25% off sale, perfect!
  4. Always check what the returns policy is, if you will have to pay for a return, then ensure that you will be happy to stump up those costs
  5. I recently got 20% discount on a gift by signing up to the website- River Island, then referred a friend- my husband- and then bought another item using his email, another 20% discount on a gift! It is easy to unsubscribe after you have made use of the discounts, or stay on the mail list and see what else will turn up
  6. I paid £9.99 to join a VIP package on a website I use regularly, this ensures ‘free delivery’, delivery is £3.99 usually so I only need to buy on three occasions and I have recooped my costs on delivery alone, I will also get early access to any sale items and special discounts
  7. Consider where you want the item delivered, you can get some good savings by having items delievered to store or pre-destined places rather than to your home
  8. Read reviews, either about items or websites before you buy to make sure you wont get any shockers!
  9. See if you can find any coupons or vouchers online, also check about student discounts or NHS discounts, perhaps you could ask someone you know with one of these discount cards to purchase on your behalf
  10. We have Amazon prime, I will sometimes get my friends items via this service as the delivery is quick and ‘free’ within the package, it also helps me too feel that we are making good use out of the prime aspect!
  11. Look out on second hand sites, facebook’s online marketplace is really good, I have bought some great items for cheap there! As well as Ebay, Preloved etc
  12. Consider if you really need the items/item, if you dont, thats a saving right there!

Pets- at what cost?

If you have read any other posts in my blog, you may well have seen pictures of my two rescued furchildren. I love my dogs, I love all dogs, in fact, I am a self confessed animal lover! Having my dogs in my life feels like a non option, I have grown up with pet dogs, in both my seperate family homes we had two dogs (per household), as well as cats, horses and chickens.

I remember a few yeas ago, when I read through Mr Money Mustache’s blog post great-news-dog-ownership-is-optional, and I liked the fact he pointed out some of the realisms of dog ownership. Such as the fact people will adopt/buy a pet when they have little income, not taking into account the true cost of owning an animal. That true cost, covers the responsibility we have as dog/pet owners, this is covered by the five freedoms: The first part is Health– we should protect our pets from disease, illness and injury, and if they should become injured or unwell, we have to seek treatment. We should allow our pets to be natural in their behaviours, when looking at companionship as a freedom we should be considering if that animal is social and whether it should be kept alone or with others. Dietary needs- this includes preventing malnourishment and obesity as well as access to water. The last freedom is access to a suitable environment, this would include access to a shelter and a safe space to be, away from harm.

Pet ownership feels more complex these days, there are so many different opinions out in the world about how we should do things, how we should treat our pets and what we should feed them for example. It is a minefield! Do you buy pet insurance, is it worth the cost, what if your pet has health needs that would invalidate insurance, or the breed means an unfair hike in costs? Buying pets is a huge deal, I wont lie, I rescued my babies, I will always rescue and will never ‘buy’ a pet. This is personal to me and is part of my moral code, I will always advocate adoption! As it stands, my dad and stepmum have two rescued dogs, and my mum and stepdad have two bought dogs, I love both sets of parents and both sets of dogs. If people are to buy puppies, then I will heavily and wholeheartedly advocate for buying from a proper breeder. Always see both sets of parents, check that the breeder will/has vaccinated, ensure to the best of your abilities that they are not from a puppy farm. My mums Jack Russells are from a local breeder, whom we know well and in fact I am now related to via a marriage!

I guess the point of this post, is to highlight that pets are optional. You should take into consideration the cost of time and money that is needed to ensure that any pet has the best life it can, and the possible things in your life that will be impacted upon by this. As a sidenote, I think I will do a couple of blogs introducing my furchildren, I am a very proud parent who will gush about them at any time!

Savings

When I look into ways to be better with money, making money work is something that comes up often, as well as ways to make money last longer.

So, savings are twofold. You can save money by not spending and you can save money by buying items for less. I am still a materialistic person. I recently kon-mari-ed my clothes, I HAD LOTS. I went through them and for each one I checked for that spark of joy, those that didn’t, I thanked them and they have been sent to Barnados Charity shop, to be joyful for someone else. For those that did, I carefully folded and placed them into drawers and the cupboard. This felt so good, but I also acknowledged that there was a lot of wasted money right there. I made a pact with myself to only buy items that are needed and I truely love from now on…I am already wavering on this. I need work trousers as I am down to one functioning pair, I need a new pair of leggings- I am down to one pair, we are off to Florida later in the year and I dont have a lot of hot weather clothes. I live in the UK its not that hot! So, some clothes are actual needs, some are wants and desires.

I went on to Evans last night. I am a plus size girl and its hard to get bargains. We live relatively rural and our charity shops dont seem to have any clothes for big lasses. I left the items in my basket, and this morning the three items in my basket are in the 24% off sale. I still like all three items as much as yesterday and my leggings are down from a tenner, so even better! Now, the other two items are lovely, beautiful, hot weather clothes- they may not suit me and I can return them if they don’t. Evans is pretty happy with that, but the fact I have waited instead of purchasing meant I got them with 24% discount, ergo, I have made a saving. I could argue with myself that not buying the items would be a better saving though!

I also found two pairs of trousers for work on Amazon for a great price, again, if they aren’t right, Amazon are pretty good about returns. One really bad thing, is that Amazon seem to be offering lots of plus size clothes for a great price. Noooooooo! My plan to manage this impulse to buy, is to leave items in my basket, see if I still like them, and then check if funds can cover it this month. If not, I will save them for later, when I have the funds!

As to the other part of saving (the not spending part) we currently use Santander and get 1.5% on the money in our current account. This is better than a kick in the teeth, but not great. I also have an M & S account, and have opened a 5% savings account. To get this rate, we have to leave the money for a year and can only pay-in up to £250 a month. This means in a year that account will be £3k and we will earn over £81 in interest. This is where that money will be working for us. Depending on my variable income, this money will either be entirely new savings or a mix of new and some other savings we already have. Making money work for us is a concept I am new to, and I am still trying to get more into this mindset, including investments etc. as well. One day at a time! 🙂

Florida: Must do list

I am completely borrowing/utilising this idea from thriftygal over on http://thepowerofthrift.com who does a bucket list for her travel destinations! I absolutely love this idea! We are heading to Florida later this year and here is all the wonderful/trashy things I would love to do!

  • Go to Universal Studios, Islands of Adventure and the new waterpark Volcano Bay!
  • Go on a glass bottomed kayak, looking at all the beautiful wildlife Florida has to offer
  • Get over to NASA, have a good old mooch around and learn lots of new things about the Universe around us!
  • Eat at IHOP- have been to one in Vegas, phwoar, I fell in love!
  • Get a place named souvenir from Planet Hollywood- have glasses with Vegas, Edinburgh, London and Paris on so far, our little collectables!
  • Go to Universal Studios Horror Nights, this is a true dream! Am a bit of a horror geek!
  • If feasible on the timeline, go to Hollywood Studios
  • Play crazy golf! In Vegas I found a groupon for KISS crazy golf, it was so much fun!
  • Enjoy some American TV and find some amazing pizza!
  • Get on an airboat ride- in the Everglades if at all possible to see Alligators
  • See a real life Walmart

We are holidaying with my family so some of the most important to do’s, revolve around them!

  • Spend some quality time with the folks
  • Get quality time with my baby sister and her boyfriend
  • Spend time with my step brother, who I hardly see anymore and lovely Netty, who has holidayed with my folks for as long as I can remember, she is fabulous!
  • Enjoy all the new experiences with my hubby, I quite like the fella and making new memories is always amazing
  • Have an unbelievably good time!

Not all of these memory making lists are in anyway cost effective, frugal or bargainous, but they are so worth the money I believe! Hubby has never been to Florida, but he loved Vegas and is excited to go back to America, I have been to Florida, but not since I was a child, so I am so looking forward to this too! I may do a post about how I am trying to make smart choices and have some sort of budget for this holiday!

Thanks for reading 🙂

Surveys

One of the money making suggestions that comes up a lot, is surveys. I have been a member of Onepoll for a long time, I can be a bit hit and miss about checking in often and this obviously affects earnings! Before Christmas I hit the £40 payout and decided to make more of an effort to logon and answer the surveys. Since then, Onepoll have developed an app for the mobile device, this makes it easier to check in on the go, like breaks when I am on long days!

I am currently up to £22.85, I am over half way to the next payout. This is never going to be a big money earner, the surveys are hit and miss, some days there are none others there are plenty. I am only eligible for certain surveys as well, so you cannot guess or assume payment, but it is a bit of fun and it is easy!

I have also joined Yougov- this seems to offer me a lot less surveys, also, they dont seem to be live very long so I can easily miss them. I will keep on though and see how it goes!

Money Saving Expert has a whole article on surveys: https://www.moneysavingexpert.com/family/make-money-surveys/

I have started having a nosy through and on advice, have just signed up to I-say. Watch this space for updates! 🙂

Money and Frugality

So, my relationship with money is interesting, sometimes I will deliberate for hours/days on buying something, other times it is in my basket and then winging its way to me with no thought at all.

I wonder, what it is about money and spending it, what makes me deliberate over buying item x but not item y. I have to admit, I love money, I love money shuffles- when on payday I go online to my bank and move money to different pots- once all bills have gone out I will then look at the little ‘pots’ of money we have. At the moment, we have Driveway, Holiday and Other, then whatever is left is surplus and can be used for our joint pursuits. This is all in one account so I keep a close eye on them. We get 1.5% in that account so its earning a little something at this time.

I have been looking into frugality recently- ‘sparing or economical as regards of money or food’ and ‘simple and plain and costing little’. These are two dictionary definitions of frugality, other views are about being tight, miserly and miserable. I recently discovered The Frugalwoods:

www.frugalwoods.com

These lovely folks have taken frugality and made it their metaphorichal bItch! I joined the challenge Uber Frugal Month Challenge, where you get emails from them every day over a month and you try to be a frugal person for an entire month. I decided it made sense to go from Jan payday to Feb payday, so far, I have spent £84 on starting this blog, not totally frugal, but hopefully I may be able to eventually make a little extra moolah as a sideline from this blog, therefore a possible start to more passive income. I have paid bills, this is something I have no choice over!haha. I have paid for one food shop so far, we do it on a week by week basis and I haven’t had to fill up the car yet. It has helped that I have done two 46hour weeks, so when I haven’t been working I have been too tired! I did walk to the shop and paid through the nose for bread and butter, oh and two cadburys cream eggs feel onto the counter as well- but I walked and any other shops I would have had to drive to.

One of our biggest spends is on food, we are only a family of two humans, yet we regularly spend about £80 a week on food and drinks, not including takeaways- we tend to have one a week- or if we go out for food. We have a lot of food waste, neither of us like cooking, so it can feel like a drag, or I may decide to cook and by that time the veg has gone off. We are trying to meal prep, but long days and hubby working away do sometimes mean we just can’t be bothered and will do processed easy meals. This a a two fold problem, one, it is not cost effective and two, it is not healthy.

We already shop at Aldi, we don’t tend to buy brand foods- I am still buying proper salad cream, though that is my only brand item!! This week I am going to make a vegetable pot pie, have made it before and it was soooo good. Also, can make it last a few meals, useful for when I am on long days as can take it in and hubby just heats his up at home. I will make this tomorrow. I am also considering stocking up on more frozen veg, as veg does seem to go off so quickly. Was thinking of cutting up a load of onions and then chucking them in the freezer for future use! Red onions are meant to be really good for gut bacteria, and Aldi only seems to sell frozen white onions. My food shop came to £85 this week, hubby got some bits for his car and I bought two cheap bottles of fizzy wine and creme de cassis- £6.99 a bottle but lasts a few weeks- so those will have increased the cost around £20, but need ot keep an eye on this and try to get the costs and food waste down!

Have you any ideas and tips for low cost food shopping?