Oh this week I have nothing to report in the way of frugality -I have paid for all my kids activities and feel utterly broke! Haha.

Not completely true, I am sure I can find 5 things but nothing immediately springs to mind, it’s been a very ordinary kind of week. But even in my ordinary weeks creeps some frugal thinking.

  1. I have been checking my account daily to really be aware what I have been spending
  2. I did a really considered online food shop checking our cupboards first and choosing the cheapest options
  3. I have meal planned this whole week so a not to waste food
  4. I have walked instead of driven to our local shops
  5. i have encouraged my daughter to make her friends birthday card saving a couple of £.

So nothing exciting or big or unusual but its the ordinary stuff that help us live on a budget isn’t it,

As always, we’d love you to join in with us by sharing what frugal and thrifty things you’ve been up to this week – whether it’s an Instagram picture (#5frugalthings), a blog post or even a video.  Just add your link to the linky at the bottom of this post.

You don’t have to share five things you’ve done, anything thrifty or frugal that you’ve been doing is perfect.

You’re more than welcome to copy and paste the badge above but it would be even better if you could let your readers know that you’re linking up with us by adding a little line to the bottom of your post like this one:

I’m linking up with this Cass Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky.

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You may have read in the news recently that 5 of the UK’s ‘Big 6’ energy providers have announced price increases for customers, who are currently on standard variable tariffs. British Gas are the only provider of the top 6 who have instead decided to freeze prices until August.

 UK energy price rises

Are you affected?

According to Ofgem around 66% of us have never switched our energy provider, therefore are most likely on standard variable tariffs. If this is the case, you could be one of the estimated 12 million customers affected by these imminent price hikes.

Although the prices are nationwide, each individual supplier has varying concentrations of customers in certain parts of the country. This means that certain regions will be affected more than others, ultimately the regions with a greater number of customers will experience a higher percentage price increase.

 

Should you switch your provider?

The recent price increases mean that some electricity tariffs have increased by as much as 15%, far surpassing the rise in gas prices. This means you could now potentially be paying 15% more for exactly the same quantity of electricity. Interestingly, those in the South of England could stand to save the most, at an astounding £390 annually.

Stephen Murray, an energy expert for MoneySuperMarket, commented on the news:

“The message is loud and clear for the millions of people hit by Big Six price rises: shop around if you’re on a standard variable tariff, or if you’re on a fixed deal that’s coming to an end. Collectively, customers could save £7.4bn by standing up to the prices rises and shopping around- that’s well worth the seven minutes it takes to switch deals.

To put it simply, the average saving to be made from switching is an estimated £398.23, so it is definitely worth considering shopping around.

For more information on how your area will be affected you can check out the full report from MoneySuperMarket .

 

 

 

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The law of supply and demand is one of the most basic principles and is something we all know and understand. Yet how often do we really take it into consideration when we make a purchase? By buying when demand is low, there are some massive savings to be made all around the house – here are six areas in which you should always try to buy out of season.

Money Saving Tips for Buying Out of Season

Central heating oil

With ongoing political uncertainty affecting global oil prices, we all know that the price of petrol, diesel and central heating oil can fluctuate wildly, and when it comes to home heating oil, there are seasonal variations too.

You can make some real savings by ordering a fuel delivery and filling up your oil tank while prices are low in the summer months. Even if it is not empty, it is worth getting a top-up at summer prices.

 

Household electrical

Surely televisions and refrigerators are not seasonal? The answer is yes – the Japanese financial year ends in March, which means the big name manufacturers like Samsung, Sony and Toshiba will be eager to get rid of as much inventory as they can in the early months of the year, to give those all important sales figures a final boost.

New models are typically introduced in May, so you will find retailers offering even bigger discounts on outgoing models to make room on the shop floor for the new range.

 

Clothes

There are always bargains to be had when it comes to clothes shopping, if you shop smart. Make sure you buy at the end of the current season for the following year. For example, by February, most stores are clearing out their winter range ready for spring, so that is an ideal time to pick up an overcoat or a pair of winter boots ready for next year.

 

School Supplies

Before the kids even break up for the summer, the “back to school” advertising campaign gets underway. Ignore the hype, and only buy what is absolutely necessary. Then when they have returned to school in September, you can stock up on the more expensive bits and pieces like laptops, calculators and backpacks.

 

Home improvements

If you need to spend out on domestic improvements like carpeting and flooring, timing is key. Lots of people choose October or November to give the home a makeover before the holiday season, and then there is another peak as spring arrives and home owners embark on home improvement projects.

Target the trough between these peaks, though, and you can find some January bargains!

 

Garden Equipment

If your lawnmower struggles to complete one last summer, or your patio furniture is looking down at heel, don’t leave it till the following spring to replace them. DIY stores will be offering massive discounts in September and October as they desperately try to shift inventory to make way for their Christmas ranges. Bag a bargain and you will be all ready for the coming year.

 

 

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We have just come back from an amazing holiday and I want to share my top 5 thrifty travel tips from our trip with you.

5 thrifty travel tips

  1. We waited. We waited till 3 weeks before we wanted to go then searched for a last minute villa in Portugal. We saved nearly 80% that way and got our villa for around £400 as it was un-booked.
  2. We flew from a local airport. This saved us money on parking and petrol we were able to get a lift ( by offering to return the favour) and the fact we went on a very early flight meant we had almost an extra day of holiday!
  3.  I bought no new clothes. We had what we needed and buying new clothes for holidays is a bad habit I have got in to. No need at all they all get sun screen marked anyways!
  4.  We self catered. Meals out can cost up to £50 a pop adding huge amounts to holiday expenses…self catering is easier, cheaper and more flexible.
  5. Don’t take too much cash. I took way to  many euros and lost quite a bit switching hem back to pounds I really could have used my card more

Do you have any good travel tips? If so I would just LOVE to hear!

As always, we’d love you to join in with us by sharing what frugal and thrifty things you’ve been up to this week – whether it’s an Instagram picture (#5frugalthings), a blog post or even a video.  Just add your link to the linky at the bottom of this post.

You don’t have to share five things you’ve done, anything thrifty or frugal that you’ve been doing is perfect.

You’re more than welcome to copy and paste the badge above but it would be even better if you could let your readers know that you’re linking up with us by adding a little line to the bottom of your post like this one:

I’m linking up with this Cass, Emma and Becky in this week’s ‘Five Fabulously Frugal things I’ve done this week’ linky.

 


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Family dinners can be awkward – especially when, ahead of time, the people inviting you have emphasised how important the whole affair is. At the table, you could be uncertain what subjects to bring up for conversation and be nervous about the possibility of inadvertently putting a foot wrong in other areas… such as what you wear. Here is what you should consider when choosing your attire.

 

Resist putting on any t-shirts that show slogans

We’ve all seen them; many of us might even have some in our clothes drawers. What am I referring to? Those t-shirts emblazoned with words or letters that could look trendy to you, but would probably just baffle other people at the dinner table.

Maybe they could spend much of the dinner trying to figure out what ‘RADARTE’ is supposed to mean. Worse, the slogan ‘Karl is My Father’, which appeared on a dark shirt shown off by Kylie Jenner on Instagram not too long ago, could confuse your actual father if his name isn’t Karl. So, ditch the tees sporting such eccentric sayings and go for something more formal.

 

No, don’t wear that crop top

There are lots of crop tops that “walk the perfect line between chic and festive”, as Harper’s Bazaar phrases it. However, the website of this women’s fashion magazine insists: “Not even Taylor Swift would be so careless as to make this mistake.” So, if you’ve just donned a crop top, take some advice from the woman herself and “shake it off”.

Similar advice is given in an article titled ‘Twenty new rules of dining etiquette’ and published by The Telegraph. This advice explains that, while women “may allow their bare arms, shoulders and/or a modest portion of décolletage to be visible … exposed midriffs are strictly off-limits.”

 

Some special tips for men

A crucial family dinner calls not simply for men and women, but gentlemen and ladies. To look the part, women can wear pretty dresses, spruce up their hair and put on some make-up. Therefore, while men aren’t necessarily expected to arrive in dinner jackets, they should still put some careful thought to what clothes they will wear for the occasion.

In the previously mentioned article by The Telegraph, middle-aged and middle-class men are advised to “pass on the standard jeans/cords-shirt-and-sweater combination and consider the possibilities afforded by a jacket, or an informal suit.” A set of slim fit work pants from online clothes store Dickies Life could nicely complement that torso attire. Being wrinkle resistant, these pants can stay looking great even throughout a long and busy dinner.

 

Avoid clothes that immediately look very expensive

Perhaps the biggest problem with such clothes is that, if people get the impression that you are sufficiently wealthy to be able to afford them, they could decide to ask for various financial favours from you. If they don’t, they could still end up discussing your spending practices in a broader sense – and that subject wouldn’t be an ideal focus of dinner table chatting.

 

 

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