a money saving thread for the cash poor amongst us.

everyone likes a deal or a bargain.

so post up yours, to help the cash strapped or miserly amongst us.

for starters.   filter coffee 98p per cup.    Pret A Manger.

Asda soup, roll and unlimited Tea and Coffee for just £1 until end of February. For the over 60’s

Don’t buy coffee out ?

https://www.toogoodtogo.com/

filter coffee 98p per cup.    Pret A Manger.

Or 49p if you take your own cup. Black coffee at least.

Don’t have kids.

filter coffee 98p per cup. Pret A Manger.

Buy a man a coffee for 98p, and he can drink one cup.

Buy a man a cafetiere and a decent travel flask, and he can drink coffee forever!!!

Download asda app, sign up for rewards, get 5 quid free off first purchase.

Cheers Ton I fancy a 50p coffee tomorrow

1. Don’t buy cheap shoes – it’s a false economy as they drop to bits fast, if you wear them a lot.

2. Don’t buy high end luxury/designer shoes either, as they are also typically not made any better than mid range shoes, you just pay a lot more.

As with everything else, it’s worth paying for something decent that will last, but above a certain price point it’s serioulsy diminishing returns.

M and S Mexican Style Chilli and Bean soup £1.10, mucho bueno!

Give up booze. Happier, healthier and cheaper!

Yep, coffee is why everybody is poor

Put some reinforced padded foil on the outside facing radiators – keeps the heat in.

Vinted for clothes and footwear. Let some other mug pay the full price and pick up £70 jumpers for a tenner. It’s where I get all my clothes now.

Sign up for one of those round-up savings accounts. I’ve been doing it for about 4 years now and without even really noticing it I’ve built up a tad over £4k

Red Bull and a Flesh Light instead of Coke & Hookers

@ton your idea was a good one, once the children have got it out of their system we can start again!

Change current accounts for a £100-£200 switching bonus

Swap to soap instead of shower gel and shampoo.

Give up booze. Happier, healthier and cheaper!

don’t suggest that to Ton – he will have a conniption and fall over!

7pm at Lidl midweek you get 20% off all their bakery items with their app. The app is pretty good for giving you lots of random free stuff too.

Change your own oil and filters instead of using the local garage

Change your own oil and filters instead of using the local garage

That’s a time v’s money thing though… a basic service/ oil and filter change on my car, with an MOT at my local indie is £189.00

By the time I’ve pratted about, got mucky, disposed of the old oil etc, I’ll just pay someone else to do it.

Do your spending on a Chase current account or Amex card for the cashback.

Swap around current accounts. Make a burner account and then swap it around every offer. Can easily make £1000 a year, then need to wait a couple until the offers reset.

Buy anything that doesnt go off either in bulk quantities or load up when on sale. I bought 10 tubes of my favourite toothpaste when it was on offer last year.

If you have a lot of time on your hands.. matched betting.

If you work in the public sector, investigate if your organisation offers a staff discount card or if you’re eligible for one like the Blue Light Card.

Line a large holdall with tin foil to avoid setting off door alarms when shoplifting.

Another vote for bank account switch bonuses. I’m on around £800 for last year. I would need to earn over £1600 to get that as take home pay.

https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/

In Scotland buy alcohol online from Amazon to avoid the minimum unit price. EG Famous Grouse whisky 1l. £26 in the shops. £19:50 on Amazon.

Of course a bigger saving is not buying it at all.

But a designer jumper from a charity shop for £2 and sell it on Vinted and let some mug pay £10.

Buy one up from the lowest entry point of any significant purchase. From white goods to cars, and everything else.

A breakfast treat…..

if you get the McDonald’s app they do their McMuffin and a coffee deal for £2.79 rather than over £6!

It’s bad there’s a McDonald’s in the nursery run I do ?. It has to be ordered in the app FYI

Buy one up from the lowest entry point of any significant purchase. From white goods to cars, and everything else

depends if you class wine as significant, this rule doesn’t apply to buying bottles at a restaurant. They’re the ones they want to shift, on the basis that people don’t want to look a cheapskate so won’t order the cheapest so automatically pick the next one up.

Sign up to the mailing list at Money Saving Expert.

^ this.

It’s proved much more useful than I had expected for a range of issues.

Move your savings around.. I recently shifted my ISA from Chip to T212 – took 30 mins effort and now I’ve gone from 4.6% to 4.9%

Free money! well, minus 30 mins labour.

Before you buy anything just think for a moment ‘do I really need this?’

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If you ride clipless then never buy brand new.

Lots of people buy brand new pedals and shoes to give clipless a go, try them out and hate them and then flog them cheap on FB Marketplace, sometimes I’ve paid just postage.

Don’t pay more than £500 for your cars. Learn to fix them yourself. I have saved 10x thousands £ over the years.

Remind your significant other they are funny and nice to be around. I’ve heard divorce is rather expensive.

If you ride clipless then never buy brand new.

Ditto with tyres. It’s amazing how many folk use tyres for a few rides and then buy something different.

Look for outdoor gear which is durable rather than ultralight. Not quite back to 1990’s Berghaus jacket durable, but better than something purely superlight.

1990’s Berghaus jacket durable,

My 97 Berghaus polar 300 fleece is still in use. Elbows are a bit thin.