Win a handy budget book organiser and be better at budgeting in 2013

+comp closed winner was Sue Wimbledon+

I know we can all be better at budgeting in 2013.

Do you want to start the new year as you mean to go on? Is one of your resolutions to manage your money better? Well if it is you have landed on the right blog and at the right competition.

Organised Mum is a great website that sells products to help us mums become better organised, products such as menu planning and shopping list organisers, family calenders, peg buckets, diary stands and planners and a whole host of other organising goodies.

 

I resolve each new year to be better organised. Let’s make 2013 the year we all sort our finances out.

Being better organised at budgeting is always a smart idea, it make us happier, wealthier and more secure.

 The  Budget Book is a real help for families wanting to organise their finances and make sure that there’s enough in the bank to reach the end of the month!

It is split into sections with 12 sturdy card pockets to store each month’s receipts and it has specific pages to track what’s coming in and lots of room to note exactly where your money is going out!It has a snap-shut magnetic closure to keep your bits and bobs intact.It’s a lovely looking book too which is of course very importanmt. As I always say being thrifty should be fun otherwise we will never keep it up!

Easy Entry

Now would you like to win one? I’ll keep it simple as it’s a busy time of year.

All you have to do is tell me a good budgeting tip in the comments section below.

T&C’s

Over 18’s only Uk residents only and 1 entry per person please.  No cash alternative   I would love you to have this by new year so the competiton closes on Weds 19th December and we will do our best to get it to you!

Good luck and lets all resolve to be better at budgeting in 2013

 

ThePrizeFinder – UK Competitions

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71 Comments

  1. Sammie Hodges
    December 13, 2012 / 10:35

    What I do is draw out our food shopping budget in cash and go to the supermarket with no cards so I can not over spend! Works a treat and normally I spend under so I have some extra cash let over to treat the kiddies!

  2. Eileen Teo
    December 13, 2012 / 10:40

    Always set your mind a budget and dont over spend. get discount code or use cashback website.

  3. December 13, 2012 / 10:44

    My best budgeting tactic is to stock pile (non-perishable food, cards, presents, t-shirts, anything!) when things are on special offer and/or really cheap! The initial outlay can be difficult, but it definitely saves money in the long-term!
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  4. Karen Peaurt
    December 13, 2012 / 12:15

    Always try and put a bit of money away for emergencies so if something urgent arises you are prepared.

  5. iain maciver
    December 13, 2012 / 12:37

    check and double check the offers available not all as good as they say

  6. Maya Russell
    December 13, 2012 / 18:25

    It’s easier to compare product prices by doing your supermarket shopping online as they normally break it down in £/100g or kg.

  7. Ashleigh
    December 13, 2012 / 19:00

    I always buy things on offer and start my christmas shopping as early as january picking up bargains all year round so that by the time i get to christmas i have lots of presents for the kids and just have to pick up the things on their list x

  8. Cathy Glynn
    December 13, 2012 / 20:41

    I always write a shopping list of what I need on a weekly basis, that way I don’t pick up things we don’t really need.

  9. KAREN WALDER
    December 13, 2012 / 21:57

    I always make out a weekly menu. I then make out a list of the ingredients that i need and stick to the list when doing my shopping! Saves money and the family know what ‘s for dinner each night!

  10. Melanie Dye
    December 14, 2012 / 08:31

    Don’t be loyal! Brand loyalty will cost you, if a brand is on special offer one week go for it, but don’t get sucked into buying it again when the price has gone back up to normal.

  11. Suzanne
    December 14, 2012 / 09:13

    If you have a local market, stock up on fresh fruit and vegetables, which are often cheaper than supermarket packs and you can select on quality. Also there are sometimes bargains on household essentials.

  12. December 14, 2012 / 09:53

    Go through your bank statement and highlight any luxuries. Work out what luxuries could be avoided for a month or two and see what impact it has.

  13. Isabel O'Brien
    December 14, 2012 / 17:36

    I take my money out in cash so I don’t overspend, I spend more if I pay for everything by card.

  14. peggy rossiter
    December 14, 2012 / 20:03

    Pay in cash – no credit cards – so no danger of going over your budget. Also batch cook – e.g. cook enough stew for two or more meals – eat one and freeze the rest for next week.

  15. Linda McGrath
    December 14, 2012 / 20:09

    Set a weekly budget and then set aside ten minutes each day to write down what you’ve spent. By doing this each day it keeps you on target and highlights any silly spending that mounts up if not corrected quickly. Those little bits of things soon add up so doing this helps keep you on track.

  16. Pauline Boustead
    December 14, 2012 / 20:17

    Go shopping with a full stomach not an empty one so you are not tempted because you are starving! Go to stores just before closing time when produce particuarly meat is reduced because of sell by date. You can freeze and use as needed

  17. December 14, 2012 / 21:18

    I always shop online as much as possible, if only to avoid overspending – I can spend double in a shop what I do online. Also, plan meals so you know exactly what you need.
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  18. December 14, 2012 / 21:34

    Write a shopping list and stick to it and buy own brands they are just as good as other brands

  19. fiona mcbride
    December 15, 2012 / 20:02

    Only buy sale items if you really would have bought them full price if not they are impulse buys and costly mistakes

  20. Wanda
    December 16, 2012 / 00:21

    Plan ahead so you have lots of time to find best prices

  21. DAWN ADAMS
    December 16, 2012 / 19:39

    Plan the weeks meals and shop online only for the things you need, and try and make one of those meals during the week a little bigger so you can freeze some, soon you will have a weeks worth of food for a freezer special week!

  22. Kieran
    December 16, 2012 / 23:40

    Search online for the best possible prices

  23. alice lightning
    December 17, 2012 / 02:27

    simple tip just write your finances out about a month ahead so you can work out whats priority and any extra work out what could possibly be moved to another date to help with emergency payouts you dont expect

  24. Julie Edwards
    December 17, 2012 / 14:18

    I, like a lot of people, do a menu. I do the menu for the month and do the shopping using this. I also buy in bulk. Alot of the items are on special offer so this also makes it c heaperI do use coupons and shop around too for the cheapest deal.

  25. December 17, 2012 / 17:56

    We found the best way to budget was to set up a separate bank account for our ‘spending’ money. That way we know the bills have been paid and how much we have to live on!

  26. Michelle Bruce
    December 17, 2012 / 21:24

    ALWAYS write a shopping list. If possible only food shop online with a list so you are not persuaded by “special offers”. Use menu maker sites and weekly menu plan.

  27. anna
    December 18, 2012 / 00:11

    I try to think for a couple of days before buying to see if I still want something, so stops impulse purchases which waste money

  28. kim heeps
    December 18, 2012 / 02:33

    shop around, buy online and use cashback, buy second hand

  29. Carly
    December 18, 2012 / 02:51

    Pay for everything with cash, just withdraw your budget for the week and don’t go over!

  30. Catherine McAlinden
    December 18, 2012 / 06:44

    Write a shopping list, but be prepared to be flexible. So if there are special offers/reductions, substitute them in to your list rather than adding to it.

  31. Amanda Williams
    December 18, 2012 / 08:02

    Save your till receipts and when you get home record your spending in a budget spreadsheet. It helps you realise what you have spent your money on and it does not take you long to start make savings. Little things add up.

  32. Eleanor Powell
    December 18, 2012 / 11:59

    don’t buy anything on the spur of the moment, take time to think about whether you really need it and to look for cheaper offers on the same thing. Don’t fall in to the “ebay is cheaper” trap it very rarely is anymore

  33. Emma Wolski
    December 18, 2012 / 13:54

    Take what you have left of your wages after all the bills and divide by the number of days left in the month, that is your daily spend. If you don’t spend it on a day or only some of it place the lot or what’s left into another savings account and watch it build! It’s there for a rainy day then and it really makes you think about what you spend every day and if you actually need what you go to buy that day!

  34. Janine Atkin
    December 18, 2012 / 15:43

    i split my money into 4 weeks so i dont end up skint before payday

  35. Liz Griffin
    December 18, 2012 / 15:49

    Be careful with the little purchases as they easily add up. So:
    – make your own lunches and take them to work
    – always have a bottle of water in your handbag so you won’t spend money on expensive drinks

    Oh and shop around for petrol – it varies in price dramatically!

  36. Kathryn
    December 18, 2012 / 16:45

    Hi, if I only need say bread and milk, I go to a local store rather than a big supermarket, and don’t take a basket, carry things with your hands so you’re not tempted to buy more! I find if I go to a supermarket I can end up spending lots of money on things I didn’t need!

  37. Diane Carey
    December 18, 2012 / 17:30

    Always have some savings. Every week/month transfer some money into savings accounts and always think of it as a weekly/monthly bill and that it has to be done

  38. Karen R
    December 18, 2012 / 18:53

    Plan the week’s meals, and just buy exactly the things you need

  39. Erica MONTGOMERY
    December 18, 2012 / 19:25

    Buy Christmas cards and wrapping paper in the January sales. So much cheaper and one less thing to worry about.

  40. Debbie Burfoot
    December 18, 2012 / 20:34

    Learn how to batch cook baby food, as it is so much cheaper than buying jars and they are so much more nutritional and better for your baby than jars and better for the budget. There are plenty of free recipies for weaning on the internet.

  41. olivia kirby
    December 18, 2012 / 21:15

    Write a list, stick to it.
    Make a meal plan, stick to it.
    Set a budget, stick to it.
    I shop online so there’s no browsing and no impulse buys. I just tap in what i want and add to basket.

  42. FARIDAH BROOKER
    December 18, 2012 / 21:20

    Buy presents for people in the sales. That way you save money, and also spread the cost as you aren’t spending loads at Xmas, as you’ve got quite a lot already.

  43. Penny Ford
    December 18, 2012 / 21:58

    Sort out meals the weekend before, write a shopping list and Stick to the list but if an item you usually buy is on special offer buy 3 and keep them in the pantry.

  44. Sam
    December 18, 2012 / 22:09

    Buy kids toys and games, especially summer garden toys from car boot sales or charity shop as you will save a fortune. We have a Barnardos that just sells kids stuff and it’s all in mint condition.

  45. Lauren Main
    December 18, 2012 / 22:22

    Always check that so-called “offers” are as great as they say they are, and always save coppers.

  46. December 18, 2012 / 22:34

    Invest in kids thermos cups. Fill up with water/ juice before going out even just popping out for an hour. This saves on spending money on cartons in corner shops or garages. The prices there make my eyes water!!

  47. Hazel Christopher
    December 18, 2012 / 23:36

    My budgeting tip is to try writing down EVERY penny you spend and what on and review it at the end of each week. You’ll soon see where you have unessential spendings and where you can cut back on. It will shock you into cutting back when you see how much you waste on trivial items that you could really do without.

  48. Anna Ling
    December 19, 2012 / 00:41

    Have a Sunday dinner club with friends and alternate who cooks the weekly roast. Cooking for eight isn’t much more expensive than cooking for four, you have less wastage plus only have to do the washing up every other week!

  49. Andrea Johnson
    December 19, 2012 / 00:58

    I try to stock up on things we will use when they’re on offer so I don’t have to spend full price. I always price compare goods across internet sites to get the best bargain.

  50. Lizwimbledon
    December 19, 2012 / 01:24

    When I need to cut back I keep that in mind all the time and use that to steer my spending choices. So if I’m in two minds over whether to buy something – I don’t. If I need to find somewhere to park I try to use the cheapest parking space ( or better still leave sufficient time and walk). I don’t sign up to any recurring payments. When deciding which menu option to go for (eg when eating out or buying in the supermarket) go for the cheapest option – just because I had chicken on my list doesn’t mean I have to buy it when there’s salmon going at a much cheaper price… You get the idea!

  51. siobhan marie
    December 19, 2012 / 01:47

    never go to the supermarket on an empty stomach leads to more impulse buying x

  52. becky wilkinson
    December 19, 2012 / 05:20

    I plan our meals weekly and try my hardest to only buy what we need! Also i find shopping online with a list is also a great way to save money that way you a) dont’ see the special offers that make u spend unnecessarily and b) dont fill your trolley with the stuff you buy because your kids/husband have put it in whilst wandering around!! 🙂

  53. anita roberts
    December 19, 2012 / 09:50

    i draw up a weekly menu and then only buy what i need for it (plus any special offers/reduced items – which go in the freezer and get used the next week for a really cheap week!!)

  54. mechelle williamson
    December 19, 2012 / 13:30

    when i get money off vouchers i put what i have saved in a jar, and let it mount up for spending money on the annual family holiday

  55. Michelle Louise Weston
    December 19, 2012 / 14:21

    Before I buy anything online I always google search for a discount code to use, I have had many 10-20% off my purchases!

  56. Andrea Howard
    December 19, 2012 / 14:38

    Having read all your tips, I am going to put some of them into action in the New Year, my budgeting skills are not the best 🙁

  57. ursula hunt
    December 19, 2012 / 14:54

    Take your housekeeping out in cash, you spend so much less when you can physically see it going down, debit cards are the death knell to budgeting

  58. helen warrener
    December 19, 2012 / 14:59

    my best budgeting tip is to keep a spending diary of everything you spend money on no matter how small and at the end of the week/month you will see exactly where your money goes and can then make cut backs on buys that are totally unneeded and you will soon see your monthly expoenditure coming down and it gives you a real buzz

  59. Christine Dodd
    December 19, 2012 / 15:10

    I keep an emergency £10 note in a drawer near to the front door in case I forget to get cash out for the milkman.

  60. josie tate
    December 19, 2012 / 16:49

    cook from scratch. – its seems more expensive to begin with but once you start making bulk pies/pasta and soups a little goes along way!

  61. Becky Downey
    December 19, 2012 / 18:33

    I always scour the £/unit labels at the supermarket, and bring my calculator if they’re trying to dupe me!

  62. H G McLeod
    December 19, 2012 / 18:36

    I always check the reduced section at the supermarket near closing time. There is usually something I can make a meal out of i.e. fresh soups make a lovely pasta sauce and there are always vegetables going cheap to go with noodles in a stir fry or even just a poster if ham that needs eating can go with egg and chips. All for next to nothing and it keeps me creative 🙂

  63. H G McLeod
    December 19, 2012 / 18:39

    I always check the reduced section at the supermarket near closing time. There is usually something I can make a meal out of i.e. fresh soups make a lovely pasta sauce and there are always vegetables going cheap to go with noodles in a stir fry or even just a packet if ham that needs eating can go with egg and chips. All for next to nothing and it keeps me creative 🙂

  64. sara pearson
    December 19, 2012 / 19:15

    my top budgeting tip is to shop at 7pm when the final price markdown has been done in the supermarkets. you can get some great deals and just freeze anything you get that is extra!

  65. Lorna Quarmby
    December 19, 2012 / 19:39

    I draw out the money I need for the week and then try to use cash for everything instead of debit cards.

  66. karen dixon
    December 19, 2012 / 19:44

    PLAN – plan xmas, plan shopping and alocate set amounts of money for everying and keep to it!!

  67. Sheena
    December 19, 2012 / 22:32

    I always hit the supermarket at the time when I know they are making final reduction (it varies from place to place, but worth a bit of trial and error). I regularly buy my bread at 5-10p a loaf and if I can’t use it immediately, just freeze it 🙂

  68. Jane leigh
    December 19, 2012 / 23:39

    Christmas Day is always 25th December! Don’t let it take you and your budget by surprise. I save £25 a month for Christmas, and keep an eye out for bargains through the year, that way you are a step ahead. It means that you don’t have to cut corners, for example I love nice Christmas cards so my January money buys gorgeous cards in the sales at a fraction of the price they should be.

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