We are home again after a few days at the caravan. The weather was rather mixed but when it was sunny it was quite warm and we could get out into the garden clearing ditches and mowing the lawn.
We have the same rhododendron – (R.W.Rye – a beautiful small yellow flower) – in our garden in Yorkshire and our cottage garden in Scotland and surprisingly the one in Yorkshire is just about to burst into flower while the one in Scotland is almost over!
Down at the edge of the wood under the apple tree the crocuses are poking through the undergrowth – Spring is definitely here.
Carrying on from my last post about the piece of advice I read recently in a magazine –
‘Devote an hour a week to staying on top of your money’ Dr Heather McGregor author of Financial Advice for Independent Women.
Use the time to check statements, sort out bills and making sure you are getting the best deals.
I have even cut this out and stuck it in my Filofax.
I am presuming this advice is also helpful if you are still trying to acquire some money to get on top of!
I already devote some time each week (where time allows) to track my spending and balance statements this helps me to identify where my money is going and where I would like it to go. Most of my bills are paid by standing order or direct debit so I never fail to pay them but it is the amount of the bills that are in question – can I get a cheaper deal and save money?
Devoting a bit more time to searching out good deals should help me to hold on to more of it. I dislike having to do it but fixing deals with utilities has become a way of life now, the same for insurance cover and mortgages. My gran had none of these problems – she would receive a quarterly bill for the exact amount she had used and pay it in cash the same day – simple – now it is anything but simple.
My successes so far on economising
- A new fixed deal rate for our electricity and gas to avoid the imminent price hikes.
- Paying up front for the BT phone line for a year in advance and haggling for a better unlimited broad band and anytime calls deal.
- Opening a 5% interest return Flexclusive saver account with Nationwide – open to anyone with a Flexaccount and you can pay in up to £500 a month. The account is only for a year then you take t he money, close the account and open a new one.
- Meal planning to save on the grocery shopping and avoiding wasted food.
- I have bought a packet of individually wrapped flapjacks and some chocolate mini rolls these will go with us when we go out and stop for a drink in Costa – I object to paying £2.25 or more for one of their tray bakes and will reduce our bill from around £9 to around £5.
- If we have to park in town we can use Sainsbury’s car park if we buy something for over £5. We may as well spend £5 on stocking up on rice or birthday cards and get something for the parking rather than paying £4 and getting nothing.
- We discovered by accident that we could have a good discount on our car insurance with Aviva because we have a pension with them. I think Aviva may be one of those companies who do not participate in the comparison sites.
Tomorrow night is shopping night so I will be on the look out for more bargains. Have a good week.