OT: cost saving for a brighter future.....
gtvlusso
Posts: 5,112
As some of you may be aware, times are turbulent. World ecnomies are collapsing, costs are rising and unemployment is rife....The only person with any money is Fred Goodwin and we all know what kind of banker he is....
As such, I thought that a thread on money saving top tips would be one way to lighten the mood and save some hard earned.....
I'll go first...
1, Cycle to work - save fuel bills and parking costs
2, service own car - save on monstrous servicing costs from dealers
Any others?
As such, I thought that a thread on money saving top tips would be one way to lighten the mood and save some hard earned.....
I'll go first...
1, Cycle to work - save fuel bills and parking costs
2, service own car - save on monstrous servicing costs from dealers
Any others?
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Comments
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3. Make your own lunches
4. Grow your own veg
5. Go singlespeed0 -
6. Have a vasectomyMud - Genesis Vapour CCX
Race - Fuji Norcom Straight
Sun - Cervelo R3
Winter / Commute - Dolan ADX0 -
7. Service own bike
8. Rob Fred GoodwinModa Issimo
Genesis Volare 853
Charge Filter Apex0 -
9. Put more (another 4" on top of the existing 4") insulation in loft and generally draught-proof house - currently saving me around £15 a month in fuel bills.1985 Mercian King of Mercia - work in progress (Hah! Who am I kidding?)
Pinnacle Monzonite
Part of the anti-growth coalition0 -
10) Commute on an old school bike with down-tube shifters
11) Repair your inner tubesFaster than a tent.......0 -
12) dont drink alcohol (ps doing this may cause you to sober up and its not always recommended)0
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14) Spend less than you earn.
The answer once given by a debt expert on the BBC when asked the question. "What is the best way to get out of debt and stay there". Pure Genius, simple and to the point.--
Chris
Genesis Equilibrium - FCN 3/4/50 -
15) Keep on using your old mobile when the contract runs out, swap to a rolling monthly one.0
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17) buy your fruit and veg from a street market rather than the supermarket0
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18. Change your electric / gas supplier.
19. Build your own motorhome.0 -
20) Make her pay when you go on a date.
21) Pay off the debts with the highest interest rate first
22) Use www.saynoto0870.com to stop paying more than necessary on 0845/0870 etc phone numbers.FCN 3: Raleigh Record Ace fixie-to be resurrected sometime in the future
FCN 4: Planet X Schmaffenschmack 2- workhorse
FCN 9: B Twin Vitamin - winter commuter/loan bike for trainees
I'm hungry. I'm always hungry!0 -
23) Avoid brands
24) Eat less
The trouble with good advice is it's easier to give than acceptThe older I get the faster I was0 -
Ride through red lights (thus saving money on replacement brake blocks)0
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25) make your own flapjack...tastier than bought stuff, you know what's in it (and obviously cheaper)
26) use skype for phone free calls (bonus is you can see your friends/family too)0 -
Burn the old for fuel
Eat the old - requires slow cooker
Sleep more
Boycott the Internet it's evil and expensiveRule #5 // Harden The Feck Up.
Rule #9 // If you are out riding in bad weather, it means you are a badass. Period.
Rule #12 // The correct number of bikes to own is n+1.
Rule #42 // A bike race shall never be preceded with a swim and/or followed by a run.0 -
Learn to trackstand to save on the expense of replacing pedals/cleats0
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The government are running a scheme (fot pre-1970s houses) at the moment to insulate your loft and cavity walls. We got ours done last year by these guys - http://www.markgroup.co.uk/ total cost for both was under £300 including materials and labour.
I managed to convince my wife to turn-off 3 of the 4 (yes f-o-u-r) fridge freezers that we had running in the house. :oops: They tend to be the biggest users of electricity by far.
If you have savings then it's worth looking into offset mortages. Over the past couple of years we have been paying less than £100 while overpaying an additional £1500 per month into the ofset account wiping a huge chunk off of our mortgage.
Save - I set aside my savings at the start of eery month. If you still have money left over at the end then you tend to feel rich and spend it. Whipping it out into a separate account before you have a chance to notice it tends to means it remains unspent.Bianchi C2C - Ritte Bosberg - Cervelo R3
Strava0 -
27) own less
28) do more"Consider the grebe..."0 -
29) Buy some hairclippers and turn your wife/partner/girlfriend into your own personal hairdresser*
*she will probably hate you for this though - mine does but it saves me money0 -
justrideallday wrote:29) Buy some hairclippers and turn your wife/partner/girlfriend into your own personal hairdresser
I do this, I haven't paid for a haircut for over 10 years I do have a grade 2 all over though so it's not exactly complicated.
I reckon I've saved around £800 in totalBianchi C2C - Ritte Bosberg - Cervelo R3
Strava0 -
Mattsaw wrote:The government are running a scheme (fot pre-1970s houses) at the moment to insulate your loft and cavity walls. We got ours done last year by these guys - http://www.markgroup.co.uk/ total cost for both was under £300 including materials and labour.
It's very easy to do it yourself and the insulation material costs next to nothing due to subsidies:
http://www.rockwool.co.uk/diy0 -
pastryboy wrote:Mattsaw wrote:The government are running a scheme (fot pre-1970s houses) at the moment to insulate your loft and cavity walls. We got ours done last year by these guys - http://www.markgroup.co.uk/ total cost for both was under £300 including materials and labour.
It's very easy to do it yourself and the insulation material costs next to nothing due to subsidies:
http://www.rockwool.co.uk/diy
That price included the cavity wall insulation as well. Between the three of them doing the walls and the loft there must have been around 8 hours labour in total.Bianchi C2C - Ritte Bosberg - Cervelo R3
Strava0 -
Fill your walls with old people, living or dead your choiceRule #5 // Harden The Feck Up.
Rule #9 // If you are out riding in bad weather, it means you are a badass. Period.
Rule #12 // The correct number of bikes to own is n+1.
Rule #42 // A bike race shall never be preceded with a swim and/or followed by a run.0 -
30) Save money. After not very long the small dob of cash becomes an amount that buys something worthwhile, and you become tempted to keep adding to it on the basis that whatever you plan to buy, the next model up will be a bit better. It's self perpetuating.
31) Arrange a small overdraft with your bank to allow for those months when it doesn't quite pan out. Wobble we used to call it when I was in retail banking. Very effective, esp if you've done Matsaw's suggestion and stashed a load away on payday and not quite eeked the rest out to month end.0 -
I kind of do it in a different way, but with the same effect.
I get paid into one bank account (pay account). From that account I transfer a value exceeding my outgoings (by about 5-10%) into another account (bills account). I spend money through the month from the pay account and whatever is left at the end of the month goes into another account (short term savings account).
In that way I always make sure my bills get paid (from the bills account), I feel like I have some disposable income, but still have finite budget (from the pay account) and any extra gets saved in the short term saving account for toys.
I include some long term savings in my outgoings (and they go into another account/ISA) and I put the bit extra in my bills account each month so that every now and then I get a 'free' month. They are good.
Lots of accounts, but after getting in a bit of financial trouble a while back, this method works for me.FCN 3: Raleigh Record Ace fixie-to be resurrected sometime in the future
FCN 4: Planet X Schmaffenschmack 2- workhorse
FCN 9: B Twin Vitamin - winter commuter/loan bike for trainees
I'm hungry. I'm always hungry!0 -
32) If you own a car don't drive it like you stole it. Easy on the accelerator, easy on the brakes...and relax. Save many pounds sterling.0
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