The Difference between ‘Saving’ and SAVING – How We Lie to Ourselves

The Difference Between Saving and SAVING

Ok, so what IS the difference between ‘saving‘ and SAVING?

At first, you might think, ‘What the hell? There isn’t a difference!’, but there really is.

There’s a lot of ways that we can ‘save’ (definition No 1) money, and by that, I mean saving money on purchases.

For example:

  • Using coupons and vouchers.

  • Buying things on sale instead of full price.

  • Lowering your thermostat.

  • Going to cheaper petrol stations.

All those sorts of things.

So, the aim is that you’re either saving on what you would have paid, or you’re abstaining completely.

For example:

Previously, you might’ve gone out every Saturday and bought new clothes. Now, however, you’ve decided to only buy clothes as and when you need to replace things.

So that’s the first definition of ‘saving’ money. It’s really just spending less.

The second definition is SAVING money (definition No 2). What I mean by that is actually putting money into your bank and leaving it there for an extended period of time. This could also mean investing it.

The distinction is important because, oftentimes, we lie to ourselves. We feel good because we’ve:

 
  • Bought a ‘two for one’ offer in the supermarket.

  • We’ve cycled instead of driven to work all week.

We’ve all ‘saved’ on things in this way and we’ll say to ourselves, ‘I’ve saved money!

While that’s great, and I’m not knocking it (I loves me a bargain!), we also need to ask ourselves:

‘Have I actually done something with the money that I would’ve spent?’
‘Have I spent my ‘savings’ elsewhere, instead?’

So, for example, let’s take the coffee drinker, who spends, let’s say, £5 every day on coffee.

She’s gone through Monday to Friday and she’s not spent any money on coffee. By the end of the working week, she usually would’ve spent £25. On Saturday, she thinks, ‘I’ve been so good this week, I haven’t bought any coffee! I’m going to treat myself to a takeaway pizza tonight.’

That’s great (no judgement made), but all she’s done is exchanged one purchase for another. She’s not actually saved any money. If, however, she said to herself, ‘Great! I’ve saved £25 this week on not buying coffee! I’m going to put that £25 in an interest-earning savings account.’ Then that gal has actually SAVED money.

The Difference between 'Saving' and SAVING - How W
Photo: Tom Sodoge on Unsplash

I know it sounds so obvious to point out, but in daily life, our buying behaviour isn’t always so apparent to us.

So, there is an important distinction. The first way of saving is, (the way I distinguish it), ‘money-saving‘. To recap, to me, that means:

  • Getting deals/bargains.

  • Paying less for goods or services than usual.

  • Getting something for free, whereas before I might’ve had to pay for it (like finding a free book to download).

To me, these are all money-saving tactics, but SAVING is the actual physical act of adding money to a bank account.

It’s a simple thing, but it can often trip people up, so that’s why I felt it was important to talk about today.

It’s all very well being frugal, but if you’re not actually doing something with that saved money, whether it’s:

Moving some money from your current account into a savings account,

or

Putting money you normally would’ve frittered away on sweets or chocolate into a jar,

then you’re not actually benefiting yourself at all.

It’s important, on a psychological level, to make that clear in your head. Being aware of these small behaviours will give you your best chance of succeeding at saving in 2018.

The Difference between 'Saving' and SAVING - How W
Photo: Aris sfakianakis on Unsplash.

What I’d like to know from you guys is:

Have you ever found yourself thinking that you’re doing well at cutting back on spending, or finding deals in the supermarket, etc, only to think:

‘Well hang on a minute, I haven’t actually got any more money!’

or

‘I’m still struggling at the end of the month!’

If so, I hope this post helps to bring this savings issue to the forefront of your mind. What I want for you is that each time you make a ‘saving’, that you think:

‘Right, I saved that on my shopping, I’m actually going to physically move that money over into SAVINGS.

Although I haven’t used them, there are apps that will ’round up’ your purchases to the nearest pound. The spare change is then sent to savings or investments. Do you use them? Do you think they’d help you to save money? Let me know!

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me an email or all three! I will always try to help you.


Lisa aka ‘Bunchy’

A Quick, Easy, and Effective Homemade Deodorant Recipe

A Quick, Easy, and Effective Homemade Deodorant Recipe

If you’re looking for a quick, easy, and effective homemade deodorant recipe that really works, then you’ve come to the right place.

But first…I had a deodorant DISASTER recently. The reason? I decided to try a different recipe, which was more complicated, involving the use of a bain-marie.

Imagine my horror when I discovered, part-way through the day, that I had the dreaded ‘B.O’! Ugh, I was so embarrassed and gutted. Plus, what a waste of time and effort!

I persevered for a few days, but no, I still smelt after doing housework or by getting a bit sweaty. Not a nice situation.
Now, partly due to being perpetually unwell and partly due to feeling lazy, I did the unthinkable. I bought a shop deodorant!

So now I’ve decided that, as with most things in life, it’s best to stick with simple. Following the old adage of ‘if it ain’t broke, don’t try to fix it’ is also sound advice.

So without further ado, below is the recipe that REALLY works (at least for me). I’m certain it’ll be effective for everybody, so give it a try (it takes mere minutes to make) and let me know how you get on.

Ingredients:

  • 6 tablespoons of coconut oil
  • 4 tablespoons of bicarbonate of soda
    (sometimes known as baking soda, NOT baking POWDER)
  • 4 tablespoons of cornstarch

Method:

  1. Mix together the bicarb and the cornstarch
  2. Add the coconut oil and stir/blend until completely mixed.
  3. Pop it into a small jar.
  4. Apply with fingertips.

(Tip: If you shave your arm-pits, then wait awhile before applying, or it can irritate the broken skin. I try to shave at night and leave off the deodorant, preferring to use after my morning shower).

So, I’m going to put my ‘sell-out’ deodorant in my bathroom box, (where we keep ‘extras’) as my ’emergency deodorant’. The failed homemade deodorant? I’ll dig it out of its pot and chuck it in the compost. It’s all natural after all.

You may also be interested in reading ‘A Fistful of Frugal – Beauty Edition‘.

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

Websites and Apps to Save You Money

Websites and Apps to Save You Money

Last month I told you about ‘Top 10 Apps and Websites That Earn You Money‘.

Today I’m sharing eight websites and mobile phone apps that can save some of your hard-earned cash. I use every single one of them.

So, in no particular order, here are some great websites and apps to save you money:

Petrolprices.com
Photo by Scott Rodgerson on Unsplash

1) Petrolprices (app and website)

Petrolprices is a great service that I’ve used for a couple of years. It helps me to save money on petrol, by showing me the cheapest petrol in my area, for that week, via an email update. That’s how I use it, but the website (and now, app) offer much more than that.

Petrolprices.com compares UK petrol and diesel prices in 8,490 stations. They boast a 98% coverage of the UK market. It’s updated daily, 365 days a year. Petrolprices.com receive approximately 8,000 daily updates. This ensures that their data is accurate and up to date.

The available plans are: Basic, Plus and Business

I use the basic, free service, which includes:

  • A search function by fuel type and radius of your search (finding you the cheapest fuel, wherever you are).
  • Information on the lowest and average fuel prices for every station in your location.
  • One user per account.
  • The option of a daily, every weekday, twice weekly, weekly, or monthly email price alert.
  • 20 free monthly searches (which is adequate for 98% of users).
  • Five petrol station results per search
  • The option to filter by cheapest stations.
  • A five, 10, and 25-mile search radius.
  • An option of further searches at a cost of £1 per 10 searches.

(The free membership remains free because it contains adverts.)

I also enjoy the articles in the ‘news’ section of the newsletter email I receive (also on the website).
There are regular motoring-related articles as well as money-saving motoring guides.

If you want extra features, then consider the Plus plan (or, if you’re a business, the Business plan) below:

The Plus Plan:

(A 14-day free trial is available.)

£2 per month (though you can save 17% by signing up for an annual plan).

100 monthly searches

10 results per search

Five price alerts per email

Completely ad-free

Two to 30-mile search radius

Priority support

One user per account

Fuel route planner

Filter fuel by brand

The option to filter by cheapest AND nearest stations.

View all stations

Pay £2 to get 100 more searches

 

The Business Plan:

£12 per month (Save 17% with an annual plan)

500 monthly searches

10 results per search

10 price alerts per account

Completely ad-free

Two to 30-mile search radius

Priority support

10 user accounts permitted

Fuel route planner

Filter by brand

Sort by nearest stations

View all stations

Pay £10 to get 500 more searches

The following extra services are available for Plus and Business members only:

Route Planner:

This allows you to put in a start and end destination. The planner then tells you the cheapest/nearest stations available along your route.

Rewards:

Get discounted offers and exclusive rewards on everyday motoring costs. Have the ability to earn fuel on everyday motoring purchases. (The ‘Fuelback’ programme.).

Sign up at petrolprices.com or download the Petrolprices Fuel Finder App.
Google Play rating: 3.2. Available for Android and iOS device users.

The app looks handy for unfamiliar places, as it allows you to find the cheapest or nearest fuel stations. It’s available for Basic, Plus and Business users.


BoobkBub.com
Image courtesy of Dreamstime.com

2) BookBub (website or app, but the app is only available for iOS device users).

I love this site! To date, I’ve scored 119 free books (of high user rating) and stored them on my phone via the Google Play book app. It’s also available on Kobo and Nook and is available on both Android and iPad.

Get signed up for free and chose your favourite genres and authors. Then, every day you’ll receive an email informing you of free and very discounted ebooks. You’re not obliged to ever buy anything unless you want to. The best part is that any books you get for free remain yours forever!

If you’ve chosen to follow an author whose books become discounted, BookBub will alert you. The same if the authors have new releases or books available to preorder.

BookBub makes money by publishers and authors paying them for their marketing tools.

Here is BookBub’s book category (it’s pretty extensive!):

  • Bestsellers.
  • Crime Fiction.
  • Psychological Thrillers.
  • Cosy Mysteries.
  • Historical Mysteries.
  • Thrillers.
  • Supernatural Suspense.
  • Action and Adventure.
  • Contemporary Romance.
  • Historical Romance.
  • Romantic Suspense.
  • New Adult Romance.
  • Paranormal Romance.
  • Erotic Romance.
  • Dark Romance & Erotica.
  • Sports Romance.
  • Time Travel Romance.
  • American Historical Romance.
  • Historical Fiction.
  • Women’s Fiction.
  • Literary Fiction.
  • Chick Lit.
  • Christian Fiction.
  • LGBT.
  • African American Interest.
  • Science Fiction.
  • Fantasy.
  • Horror.
  • Teen and Young Adult.
  • Children’s.
  • Middle Grade.
  • Advice and How-To.
  • Biographies and Memoirs.
  • History.
  • Cooking.
  • Christian Nonfiction.
  • Science.
  • Politics and Current Events.
  • Religion and Spirituality.
  • Parenting.
  • True Crime.
  • Business.

Sign up at www.bookbub.com or download the app.
App Store rating: 4+


Greggs Rewards
Photo by Janita Sumeiko on Unsplash

3) Greggs Rewards (app)

Although I’m not a frequent visitor to Greggs bakery, I downloaded the app and joined for its freebies. If you do frequent Greggs, then you’ll get even more from using the app.

Once you have the app installed you’re eligible for the following:

Free Coffees:
For every seven coffees you buy, you get your eighth one free!

Prize Draw:
Every month five people win £50 in their prize draw.

Birthday Treats:
My favourite! On or around your birthday, you’ll get notified that you can choose a free treat. Yum!

VIP Tasters:
Every so often you’ll be able to pick up a free item to try, such as a bag of popcorn or a soft drink.

You can choose to use the app to pay for your regular Greggs purchases by topping it up by card or PayPal. If you chose this way of paying, then the first time you top up by £10 or more Greggs rewards you with a free breakfast!

Visit www.greggs.co.uk for more information and to download the app.
Google Play rating 2.9 (App Store rating 4+).


HotUKDeals
Photo by Neil Cooper on Unsplash

4) Hotukdeals (website and app)

I’m pretty sure that my husband can’t stop looking at this site (it could be worse). Not only have we used it many times to grab fantastic bargains, but only today I used it to bag a free eye test!

It works by normal people discovering and submitting deals for everyone to make use of.

It’s a real community and gets very funny at times in the forums. ‘Deal hunters‘ vote to decide which deals are ‘hot‘ and which are not.

When you join up you’ll see deals, voucher codes, competitions, and freebies. There’s also an ‘Ask’ section (an advice forum).

Categories of deals include:

  • Audiovisual.
  • Computers.
  • Entertainment.
  • Fashion.
  • Gaming.
  • Groceries.
  • Home & Garden.
  • Kids.
  • Mobiles.
  • Personal Finance.
  • Restaurants.
  • Sports & Fitness.
  • Travel.
  • Misc.

You can filter results to hide deals only available in other peoples’ local areas so it’s relevant to you.

You can also filter by:

  • Price.
  • ‘Min temperature’ (of a deal).
  • Hide expired deal.
  • Hide NSFW (‘not safe for work’) deal images.
  • Switch custom listing on.
  • Hide local deals.

The list of retailers is enormous and includes:
eBay, Asda, Very, Currys, New Look, Homebase, Sainsbury’s, and Amazon.

Check out: www.hotukdeals.com or download the app.
Google Play rating 4.4 (no App Store rating).


mySupermarket.com
Photo by Kai Oberhäuser on Unsplash

5) mySupermarket (website and app)

mySupermarket is a free to use, independent price comparison site. They boast that they save shoppers, on average, 30% on each grocery shop.

mySupermarket collects prices from the main UK supermarkets (and other retailers). The site’s updated every day with the latest available prices, promotions, and vouchers.

To use it, choose the retailer you wish to shop with and use the mySupermarket website to do your online shop. While you shop, mySupermarket compares your basket to all the other retailers. You then have the option to switch your basket to the cheaper retailer or take advantage of product swaps to save money.

The thing I love most about the website is the ability to filter my product search by comparing Price Per Unit (PPU). That way, I know that I’m getting the very best value for my money.

For example, you see pasta sauce jar ‘A’ priced at 95p for 500g and jar ‘B’ priced at £1.10 for 700g. You might think the cheaper one is the better deal. Yet when you discover jar A is 19p per 100g and jar B is only 15.7p per 100g, you’ll see that you get more value with the larger jar. This is only better value if you’ll use all the larger product of course!

mySupermarket has some great extra features, such as:

‘Import Favourites’:

Do you already shop online at a particular supermarket? You can import your favourite items from your online shopping list to mySupermarket.

‘Quick Shop’:

Type your shopping list into the ‘Quick Shop’ notepad and mySupermarket will show options for the items you need. You can find this feature in the form of the quick shop button next to the search bar.

‘Savvy Shop’:

The ‘Savvy Shop‘ shelf displays products which are at least 30% less than their usual, average price.

‘Swap & Save’:

While you’re shopping you’ll get notified when you can swap an item for a cheaper alternative. You’ll get notified too if you can save more by choosing a product with a better unit price.

Once you’ve finished your shopping list, either check-out via your chosen supermarket or print off your list and shop in-store.

Retailers available for comparison on mySupermarket:

  • Tesco
  • Morrisons
  • ASDA
  • Sainsbury’s
  • Boots
  • Superdrug
  • Waitrose
  • Ocado
  • Aldi
  • Lidl
  • Poundland
  • Iceland
  • Marks & Spencer
  • Amazon
  • Poundstretcher

Sign-up at: www.mysupermarket.co.uk or download the app.
Google Play rating: 4.1 and App Store rating of 4+


Asda Price Guarantee
Image courtesy of Dreamstime.com

6) Asda Price Guarantee (website)

Asda promises that if your ‘comparable’ grocery shopping isn’t 10% cheaper than Tesco, Sainsbury’s, Morrisons, or Waitrose, then they’ll guarantee to give you the difference back.

To be eligible, you have to meet the following criteria:

You need an Asda Groceries Home Shopping account to claim your vouchers. You don’t have to have done an online shop. Items bought in-store still qualify.

You need to have purchased at least eight different items. One of these of must also be available in Tesco, Sainsbury’s, Morrisons, or Waitrose.

How to Claim:

If you shopped in store, you can usually check your shop three hours after your shop. In some circumstances, you may not be able to check until 6 am the day after your shop. The Asda Price Guarantee site will notify you of this, if so.

You need the barcode on your receipt to check your shop. Log into your Asda Groceries Home Shopping Account on asdapriceguarantee.co.uk. Enter the receipt barcode number and if you qualify for a voucher, you print it off and use it in-store. (excluding Asda petrol stations) before the expiry date on the voucher.

You MUST show your original receipt along with the voucher when you get to the checkout. If you don’t, you won’t be able to use the voucher. Your original receipt gets signed with the initials of the Asda cashier and then returned to you.

You can compare your shop up to 28 days after you made your purchases.

If you shopped online, you need to wait up to 24 hours from your shopping delivery before you can compare it. As with in-store shopping, you can compare your online shop up to 28 days after you made your purchases. You can also view and compare your last three online shopping orders at any one time.

If your shop qualifies, an e-voucher gets uploaded to your account within seven days. You can then use the e-voucher towards a future Asda online shop.

You have 28 days from the date you received a voucher to use it.

Per household, there is a limit of 10 vouchers per calendar month or a value of £100 in vouchers per calendar month. If a voucher takes the amount you have received in a calendar month to more than £100, you won’t receive any more than £100.

You can use as many Asda Price Guarantee vouchers as you want in a transaction. Other types of vouchers that Asda accepts are also permitted alongside them.

The Asda Price Guarantee voucher can only be used once per transaction and there isn’t a cash alternative. If the value of the voucher is more than what you shopping amount costs, you won’t receive any change or credit back.

As well as not being redeemable in Asda petrol stations, the vouchers cannot be used in transactions with any third parties who operate at Asda in-store concession points (such as photo processing). Nor can vouchers be redeemed against:

  • Kiosks (including Tobacco, Newspapers, and Magazines).
  • Lottery.
  • Gift Cards.
  • Mobile Phone Top-Up Cards.
  • Infant Formula.
  • Optical.
  • Prescriptions.

To find out more, check out: www.asdapriceguarantee.co.uk


Costa Coffee Club
Photo by Nolan Issac on Unsplash

7) Costa Coffee Club (website and app)

Although I’m not a big coffee drinker, I do, on occasion, find myself visiting Costa coffee shops. Seeing that a loyalty card was available, I picked it up and have always used it.

At some point, I discovered that Costa had a smartphone app. This replaces the need to carry a loyalty card, so I downloaded it.

Whether you chose to carry a card or download the app, the Costa Coffee Club is worth signing up for. Back in August, I visited Costa with a friend and her husband. I couldn’t believe it when the barista told me that I had enough points to pay for everything!

The loyalty programme gives you five points for every £1 you spend and each point is worth 1p. If you’re a regular Costa customer your points will mount up in no time.

Costa Coffee Club isn’t only about collecting points. By becoming a member you can get free treats, bonus rewards, exclusive offers, and get alerted to secret events. Oh, and unlimited WiFi! Plus, when you download and register with the app you get 100 bonus points! So if you’re already a cardholder it’s worth signing up for a new account if only to bag your points.

The app can also be used to:

• Track your points balance to see when you have enough for a free coffee or treat.
• Find details of your nearest Costa stores including directions, details, opening times and facilities.

(Unfortunately, the Costa app is not currently available for use in Northern Ireland).

Register at www.costa.co.uk/coffee-club or download the app for Android or iOS.
Google Play rating: 3.4. App Store rating 4+


CheckoutSmart
Photo by Ramiro Mendes on Unsplash

8) CheckoutSmart (website and app)

This is another app that I use often and LOVE.

You download the app, sign up, buy any of the featured products listed in the app, upload a copy of your receipt (or delivery note) and get rewarded.

Once your receipt gets processed you’ll receive an e-mail confirming your reward. You’ll be able to see this in your CheckoutSmart account balance.

Unfortunately, all the products are brand name goods. Though we tend to buy shop’s own brands, I use it to buy the ‘free‘ items. I have to pay for these items at the time of shopping, but I can claim it back. This means that I’m getting to try products for free. Even if they’re items we won’t use, we can either give it away to friends and family who WILL use it or donate it to the food bank.

I’ve only ever used CheckoutSmart to shop in-store, but you can also use it for online shopping.

Retailers involved include:

  • Tesco
  • Sainsbury’s
  • Asda
  • Morrisons
  • Waitrose
  • Ocado.com
  • Co-op
  • Iceland
  • M&S
  • Aldi
  • Lidl
  • Budgens
  • Londis
  • Spar
  • Boots
  • Superdrug
  • Wilkinson
  • WH Smiths

Be aware that there’s a processing fee of 5% if you transfer out any reward amount under £20. I like to wait until my balance is at least £20 before I cash it out. I want ALL my money, thank you very much!

You can only have one CheckoutSmart account yourself. More than one account per household is ok but no more than two CheckoutSmart accounts can be linked to a single payment (BACS/PayPal) account.

You can redeem several offers in one receipt and you can upload up to three receipts per day.

Some offers are available only to you. To ensure that you can view the full list of offers available you’ll need to be signed into your app.

To upload a receipt, you sign in to the app and hit the ‘claim’ button at the bottom of the screen. From there, you follow the simple directions.

All CheckoutSmart rewards are available on top of any in-store promotions. Items that have been ‘reduced to clear’ or fresh items reduced in price and close to expiry aren’t eligible for rewards.

For more details and to sign up, go to www.checkoutsmart.com or download the app (available for Android and iOS devices).

Google Play store rating: 3.6 (No rating for App Store)


Are there any money-saving websites or apps that you use? If so, please share so that everyone can save money!

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

Easy Carrot, Orange, Coriander and Ginger Soup

bunchythebudgeteer_easycarrotorangeandgingersoup_dreamstime.com

* Photo courtesy of  dreamstime.com (As soon as I next make my next batch, I’ll snap a picture and add one of my own).

Another Autumnal day calls for the last of the fail-safe and easy soup recipes we use. This time it’s with carrot, orange, coriander, and ginger. The recipe name may sound as if the cooking will be a large production. It isn’t. Especially if you use cheats, as I often do!

It’s also yet another soup that can be suitable for vegans and those with gluten intolerance. Ensure the stocks used are suitable for you and you’re good to go.

I like to make a large batch of this on the hob, as it’s quick to make. By making much more than needed for one dinner, we can freeze portions and use on lazy days. Batch cooking like this saves not only your energy and time but your energy bills too!

I’d been making this soup for a few years before meeting my (now) husband. Trying to convince him that orange works well in this recipe wasn’t easy. He thought I was ‘mental’ to include it, but he changed his tune after trying the soup for the first time. Now it’s one of his favourites.

My inspiration for the recipe was from Riverford Organic Farmers (the people who I’ve ordered veg boxes from). I tweaked it a little, as you may also want to.

Finally, I can’t let you go without sharing these fun facts (well I enjoyed them, but then I’m a bit of a nerd) taken straight from Wikipedia:

The provitamin A beta-carotene from carrots does not actually help people to see in the dark unless they suffer from a deficiency of vitamin A. This myth was propaganda used by the Royal Air Force during the Second World War to explain why their pilots had improved success during night air battles but were actually used to disguise advances in radar technology and the use of red lights on instrument panels. Nevertheless, the consumption of carrots was advocated in Britain at the time as part of a Dig for Victory campaign. A radio programme called The Kitchen Front encouraged people to grow, store and use carrots in various novel ways, including making carrot jam and Woolton pie, named after the Lord Woolton, the Minister for Food. The British public during WWII generally believed that eating carrots would help them see better at night and in 1942 there was a 100,000 ton surplus of carrots from the extra production.’

Enough chatter. You want the recipe

Easy Carrot, Orange, Coriander and Ginger Soup

(serves four)

Ingredients:

  • 1 large onion (chopped)
  • 2 cloves of garlic (chopped) *Optional.
  • 900g of carrots (chopped)
  • 1 tsp of fresh ginger (grated) *We store our root ginger in the freezer and take it out to use when needed. In a pinch, or to save time, you could also use ginger powder.
  • 2 tablespoons of oil
  • Juice of 2-3 oranges (and zest, if you wish) *To save time, use 150ml of orange juice instead.
  • 1 litre of veg stock
  • A few coriander leaves (chopped) *You can use chopped parsley leaves if preferred. To make the recipe more frugal and easier, use dried versions of the herbs instead.

To Serve (Optional):

Plain yoghurt or creme fraiche (use dairy-free or gluten-free if necessary).
Salt & pepper to taste.

Method:

1. In a large saucepan, heat the oil and add the chopped onion.
2. Cook on a gentle heat for 10 minutes, or until the onion is soft.
3. Add the garlic (if using) and cook for another minute or two.
4. Add the carrots, ginger (and zest, if using), stir to mix and add the hot stock.
5. Bring to the boil, then reduce heat to a simmer and cook for 20 minutes (or until the carrots are softening).
6. Blend up the soup mixture in a blender or with a hand mixer, until smooth.
7. Return the mixture to the pan, add the orange juice and reheat on a low setting.
8. Add salt and pepper if desired and a blob of yogurt if using.

We like to eat this for dinner with either crusty bread, french baguette or with sandwiches. Nom, nom, nom.

Let me know if you try it, or if you tweak it, and how it turned out!

Here is the inspiration for the Easy Carrot, Orange, Coriander and Ginger Soup. You may also want to have a look at Mr.B’s (the hubster) Vegan-Friendly Frugal Tomato Soup, my Frugal And Healthy Spicy Lentil Soup  and my Chunky Autumnal Vegetable Stew Slow Cooker Recipe.

I love hearing from you and want to grow this community that is growing each day. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

Chunky Autumnal Vegetable Stew Slow Cooker Recipe

Chunky Autumnal Vegetable Stew Slow Cooker Recipe

I’ve been craving a hearty and chunky vegetable stew for a couple of weeks now. Something ‘Autumnal’.

I don’t know about you, but Autumn is my favourite season. Yes, there are some downsides, such as:

  • Being cold.
  • Having increased heating bills.
  • Not being able to dry our washing outdoors as fast as usual.

Yet, we can enjoy:

  • Getting wrapped up and going to feed the squirrels in leave-strewn parks.
  • Snuggling up under a blanket with a hot mug of tea and a good book or film.
  • Filling up on yummy, stodgy, home-cooked food.

bunchythebudgeteer.wordpress.com-chunkyautumnvegetablestew

* Image courtesy of Dreamstime.com

Feeling grotty today and not wanting some rather sad looking vegetables to go to waste, I pulled out the slow cooker. So much easier than regular cooking and I knew that if I began to feel more ill (I did), at least I’d made dinner!

Here’s the Recipe:

  • 2 red onions (finely chopped)
  • 2 leeks (finely chopped)
  • 4 cloves of garlic (finely chopped)
  • 4 small carrots (cut into large chunks)
  • 4 small sweet potatoes (cut into large chunks)
  • 4 small Maris Piper potatoes (cut into large chunks)
  • 150g dry red lentils
  • 2 litres of hot vegetable stock (made with 3 veg stock cubes and a teaspoon of vegetable bouillon – because I ran out stock cubes).
  • 2 bay leaves
  • 1 teaspoon of dried parsley
  • Gravy granules to thicken, at the end of the cooking session.
    (Or instead, you could omit the gravy granules and mix some cornflour with water and add).

Method:

  1. Peel and chop up the veg.
  2. Make up the stock with boiling water.
  3. Put all the ingredients in the slow cooker.
  4. Cook on low for 8-10 hours or on high for 5-6 hours.
  5. Thicken if desired.
  6. Add dumplings if desired.
  7. Enjoy!

This made enough for me to put a few container fulls into the freezer, for nights when neither Mr.B nor I want to cook.

I had this for dinner this evening and it was scrummy!

It’s a cheap, healthy meal and won’t bust the budget. It’s also suitable for vegetarians and vegans (even the dumplings were vegan-friendly!). Many supermarket stocks and gravy granules are also gluten-free. By using them, this stew can also be enjoyed by people with gluten intolerance.

Let me know if you try this recipe. Though not exactly the same, I based the recipe on one from my Sarah Flowers slow cooker recipe book, which you can find here.

Do you have any good vegetable stew or soup recipes that you’d recommend? Please share, so that we can all enjoy!

For more soup recipes, check out my Frugal and Healthy Spicy Lentil Soup and my Vegan-Friendly Frugal Tomato Soup.

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

Top 10 Apps and Websites That Earn You Money

Top 10 Apps and Websites That Earn You Money

How much free time do you spend on your smartphone or laptop? Are you scrolling through stuff that isn’t rewarding in either sense of the word? Sure, we all need some mind ‘bubblegum’ at times, but, if we’re not learning or earning, we can feel unfulfilled. When you next have free time and are at a loose end, you may like to try these top 10 apps and websites that earn you money.

After sampling so many different sites, I’ve discovered very differing results from each. I’m now confident in saying that you don’t have to do this dirty work yourself!

What should I expect to do on these sites?

  • Complete surveys (from very short ‘micro-surveys’ to pretty long ones!).
  • Play games
  • Use the websites to shop for your usual purchases.
  • Use them as search engines.
  • Watch videos (including getting to watch the latest film trailers).
  • Look at suggested deals, such as a free credit report.
  • Test products.

What are the rewards?

  • Cash via cheque or PayPal
  • Gift-cards (physical or digital) for many retailers such as Amazon, Argos, and supermarkets.
  • The ability to donate your earnings to charities.

There are further sites that I’m still researching. Until I’ve confirmed that they are legitimate and worthwhile, I won’t recommend them. Once I’ve learned enough about them, my ‘Top 10’ may change.

The chance of receiving surveys or the chance of getting screened out of surveys will vary. It will completely depend on the demographic that the survey creator is looking for. Sometimes you’ll be desirable to them and other times you won’t.

Will you be able to get rich or give up your day job by using these sites? Almost definitely not. There are people who somehow manage to make this a very profitable sideline, but they are rare.

Yet these sites can help you to earn enough to buy some groceries or treat yourselves and others. Success will depend on your usage.

So without further ado, here are my top ten favourites:

 

10) Google Opinion Rewards (App only)

Users of this app get notified on their smartphone of when the next micro-survey is available.

Surveys usually consist of one to three questions, so each takes mere seconds to complete.

Earnings are up to 60p in Google Play credit per survey (for Android users) or via PayPal earnings for iOS users.

Google Play store rating: 3.9 (I’m surprised it isn’t higher).
(Also available for iOS)

 

9) Mobrog 

(www.mobrog.com)

 

This survey site pays on average 50p to £3.00 per survey.

Users get notified of new surveys as they become available. Before beginning, they’ll also learn how long each survey will take and what the reward will be.

There aren’t any penalties for not completing all surveys.

Users can cash out their earnings through PayPal once hitting the £4.00 pay-out threshold.

There’s also an app and whilst I didn’t think it was awful, it wasn’t great.
Google Play store rating: 2.9
(Also available for iOS)

 

8) inCompass
(www.incompass.me.uk)

 

As with Ipsos i-Say (number three in the list), inCompass is run by Ipsos Mori.

There are currently two ways of taking part; both of which are studies on the consumption of media in the UK.

For some participants, this research will involve either:

  • For a period of time, installing a smartphone app (if participants have one) or/and…
  • Installing the inCompass app on any other electronic devices owned.
  • Keeping an online diary of their media usage for seven days.

Panelists in the former group get rewarded £20 in vouchers after their first month on the panel. They can earn an extra £10 for every month they remain part of the panel.

Some panelists receive a smartphone-like device. This device has the media monitoring app pre-loaded to it. These panelists receive a £10 reward every month they carry the device. Panelists must also keep the app running on any other devices they own.

For those completing the diary, they’re rewarded £5 for completing the seven days. An invitation to complete a diary usually occurs every quarter.

The data gathered will help form the future of TV, radio, music, and internet services.

There is also an app, but I haven’t tried it myself.
Google Play store rating: 2.2

 

7) CitizenMe (App only)

 

Users complete micro-surveys, which take only seconds. Cash rewards vary in amounts (I’ve found these to be between 10p to £1 per micro-survey). There are also ‘just for fun’ micro-surveys, which provide more insights for users to enjoy.

CitizenMe works in partnership with the University of Cambridge Psychometric Centre and the University of Sheffield Open Data Science Institute.

CitizenMe says that its app is a way for users to take control of their data and discover what it says about them.

Users can choose to exchange data with organisations (including charities). Users still keep a copy of their data. This data gets added to users’ accounts, forming personalised and private future insights. The more data added, the better the insights for the user.

Businesses use CitizenMe as market research and data analytics platform. Users’ data is only used for research purposes. Collected data gets mixed with other users’ data and is anonymous.

CitizenMe receives a transaction fee from business brands. Some of this gets rewarded to the user in the form of the reward.

Google Play store rating: 4.3 (It can be temperamental on the odd occasion, but for the most part, it’s fab).
(Also available for iOS)

 

6) Nectar Canvass
(www.nectarcanvass.rn-partner.com)

 

Do you have a Nectar card? If so, you can sign up to ‘Nectar Canvass’ and begin earning Nectar points for completing surveys. Surveys vary in length and reward, but this is clear before completing each survey.

You can complete up to two surveys per 24 hours and take as few surveys as you like. The great thing is that if the survey quota is full or you get screened out, you’ll still receive two Nectar points.

Nectar points are redeemable at various retailers online via Nectar.com.
Nectar points are redeemable in-store at Sainsbury’s, but also many other places such as Legoland and Vue cinema.

No app available yet.

 

5) InboxPounds*

 

This is a very generous site where users can earn money by:

  • Signing up for offers (including free trials and competitions).
  • Completing surveys of varying lengths for varying amounts of money.
  • The daily ‘Spin and Win’ wheel where you can (and often will) win more money.
  • Using the website’s search engine. Users earn every time they complete four qualified searches.
  • Playing free games.

Users can request their cheque once they reach £20.00 of earnings.

No app available yet.

 

4) TopCashBack*

 

For online shopping, the best UK cashback website is this. Sign up and make your usual purchases, from holidays, insurance or groceries. Find the retailer you want, click through to the retailer’s usual site, and earn cashback!

Another way to use the site is by looking at their available voucher codes. These are valid on top of the cashback offers!

When you decide to cash out your earnings, you can decide between various methods:

  • A direct BACS payment into your bank.
  • PayPal.
  • Gift vouchers.
    (Some pay-out methods give a bonus of up to 10% on your earnings).

There’s also an app of the same name (that I’ve not used much). In the ‘Groceries’ section of the app, you can browse available offers. Once you’ve chosen an offer, take a photo of your receipt. Upload the photo to the app and once confirmed, the money gets added to your account.
Google Play store rating: 3.7
(Also available for iOS)

 

3) Ipsos i-Say
(social.i-say.com)

 

As with inCompass (number eight in this list), Ipsos i-Say belongs to well-known research group Ipsos Mori. This site works by members earning points by taking surveys. These points are then exchanged for gift vouchers. Surveys are worth between five to 250 points. You can expect to receive an average of four surveys each month, though I’m sure I received more than that.

When users sign up, they get entered into a prize draw for 30 pre-paid shopping cards. These cards are worth £90 each and there are thirty winners every quarter.

Also every quarter, members who complete update studies get entered into another draw. Winners of the draw will win 10,000 points each and there are 10 winners each time.

i-Say’s ‘Rewards Programme’:

Besides collecting points from completing individual surveys, members receive bonus points each time they reach a survey number threshold. E.g. once five surveys completed, 10 surveys completed, etc.

There is also an app: ‘i-Say Rewards your Opinion‘.
Google Play store gives it a five-star rating & I can confirm that it works well.
(Also available for iOS)

 

2) Valued Opinions
(www.valuedopinions.co.uk)

 

This a fabulous website offering paid market research online surveys. Survey rewards are between 25p and £5.00 per survey. Once users reach the £8.00 threshold, they can ‘cash out’ their earnings for digital or postal vouchers. Vouchers are redeemable at many retailers such as Tesco and Argos. Or, you can donate your earnings to charities such as the World Wildlife Fund.

No app available yet.

 

And the winner is……

 

1) Swagbucks*

 

Sign up (using the link above) and we’ll both earn a bonus. How much will depend on what special deal is being offered at the time of signing up.

I’d say this is by far the best site. There are many ways of earning things called ‘Swagbucks‘ (or ‘SB’), which one redeems for cash or retailer gift cards. A PayPal account is necessary for cash payouts.

Ways to earn include:

  • Completing surveys.
  • Playing games.
  • Using their ‘Shop & Earn’ site.
  • Using their search engines.
  • Installing their ‘SwagButton‘ on your web browser.
  • Watching videos.
  • Looking at their suggested deals and taking up certain offers. E.g, signing up for a month’s FREE trial of a digital TV service & earning 350 SB for doing so.

There is also a Swagbucks UK Facebook page that’s worth checking out. They post ‘swag codes‘ daily for extra SBs.

There are also eight different Swagbucks apps for your mobile phone. Here are my findings after trialing them for you:

Swagbucks – Best App that Pays‘ 

This is the condensed version of the website in the form of an app. Thus, you can watch videos, discover deals, shop, answer surveys and search the web.
This is a great little app if you like to see trailers for new and upcoming films. I’ve found out about SO many great films this way. There are also videos on fashion, music, travel, celebrities, recipes, news, and more. It’s all U.S sourced news, from what I have seen.
The best part about it is that you earn by setting the videos running and while you get on with other things.
Google Play store rating: 3.8

 Swagbucks Watch (TV)‘ 

This is the same video content that’s on the main Swagbucks app (No.1) but without the full functionality. I’m not quite sure of the point of installing this app too.
Google Play store rating: 3.6

Swagbucks Answer – Surveys that Pay‘ 

This is a very handy way to take surveys on your mobile. Though I can’t find the source, I’m sure I’ve read that there are surveys on the app that aren’t available on the website. If so, I don’t know if that also means that there are surveys on this app that aren’t on the standard Swagbucks app (No.1). If not, I don’t see the benefit of installing it.
Google Play store rating: 4.2

Sportly.tv‘ 

This is pretty self-explanatory. It’s an app that has sports news and entertainment content. There’s a lot of yoga, including yoga with your dog! It seems to all be U.S content.
Google Play store rating: 3.6

Indymusic.tv‘ 

This app shows hundreds of thousands of music videos. These videos are from a worldwide selection of indie music. I found the ads on there very intrusive.
Google Play store rating: 3.4

I can’t find a huge difference between the following and final three apps. They all offer film trailers and videos on other topics already contained within the Swagbucks app (No.1) or Swagbucks Watch (TV) app (No.2). I’d say those already do the best job and are easier to earn SBs with. Also, the ads on these next three are, as with Indymusic.tv, very annoying:

EntertaiNow‘ 
Google Play store rating: 3.3

MovieCli.ps
Google Play store rating: 3.5

Lifestylz.tv‘  
Google Play store rating: 3.7

 

Have you used any websites or apps that have promised to reward you? What have your experiences been? Are there any that you love that I haven’t listed? Let us all know!

*Some of the links provided may provide a VERY small reward for me referring you to them. If they do, they’ll have an asterisk* and will be at no cost to you. I would NEVER recommend anything that I hadn’t researched or that I wasn’t happy with.

Check out ‘Websites and Apps to Save You Money‘.

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

Foraging For Our Food (Off-Topic Tuesday)

Foraging for Our Food!

This post began as part of my new ‘Off-Topic’ series. Yet, as I wrote, the more I discovered that it ties in with money-saving and frugality! Why? Well, because we’ve been foraging for our food!

On Sunday we had a lovely afternoon that didn’t cost us a penny.

Our car has been stuck in the local garage for over a fortnight now and won’t be coming home. (More on that disaster another time). Even being the hermit that I am, even I was getting a little cabin fever.

Mr. B and I both have bicycles, so if I’m not particularly fatigued or in pain, I’m able to cycle a reasonable distance.

We decided to ride to the local nature reserve that isn’t far from us. It’s blackberry season (my favourite fruit!) so we packed some containers and off we went.

We rode the distance of the reserve first, to scope out the best picking areas, then rode back, stopping to pick. Though we took some gardening gloves, we didn’t use them. Yes we got some scratches and nettle stings and yes it rained a little, but it was so relaxing! I ate a fair few berries along the way, though not the ones that were low down and liable to have been peed on by dogs!

We spent a couple of hours at the reserve, passing the time of day with friendly people and even friendlier dogs. It was a lovely afternoon and was even nicer due to the fact that we hadn’t had to take our wallets with us.

We bagged a large container of blackberries for zero cost, plus a handful of sloes (check out this sloe recipe, of which there were many. There were also rosehips recipe (check out this recipe) and let’s not forget nettles too if you make nettle soup.

You don’t need a nature reserve nearby to forage your own food, as blackberries are everywhere now. Hurry if you don’t want to miss them! One thing; you might want to avoid berries growing by roads with heavy traffic pollution. Yet, this article shows that this concern may not be as worrisome as you might think.

Do you ever forage for your own food? What dishes do you make from your pickings?

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’

How to Save Money on Christmas

How To Save Money On Christmas 2017

Yes, I mentioned the ‘C’ word! I’m sorry, but at the time of publishing, there are only 89 days until Christmas (I found out by using this pretty cool countdown clock! With that in mind, here are some ways on how to save money on Christmas.

Make a Budget!

Really, this is THE most important thing you can do:

1) Look at what money you’re expecting to come in over the next few weeks or months (depending on how often you get paid) and what you know has to be paid out and write down what you have leftover to save each week/month.

2) Think about what you would expect to spend on Xmas this year, not forgetting:

  • all of the food
  • possible nights out for work parties, and kids’ school parties
  • entertaining at home
  • ‘Secret Santa gifts
  • wrapping paper and cards
  • alcohol

Basically, anything that you usually shell out for, (not to mention the gifts you buy) and tot it all up.

Divide the above amount by the number of pay-cheques you’re getting and you’ll see how much you’ll have to save each week/month to be able to achieve the spending you’d like to do without going (or going further) into debt. Write that number down.

3) Finally, compare the amount you came up with in step one with the amount needed to be saved in step two. Is there a discrepancy? Will you have less to spend than you’d hoped? If so, then you’ll either have to make cuts in your discretionary spending leading up to Xmas, reduce what you spend on Xmas or find a way to bring in extra money before Xmas, plus, check out the next tip:

Cut down on Who You Buy For

This isn’t easy and may require a few conversations with people, but there really is no law that says you have to buy your child’s teacher a gift each Xmas, or that you must buy that cousin you don’t really like a present, as well as all of her children, just because she buys you all something you don’t want or need each December.

If you can’t afford to, don’t want to, or it’ll push you further into debt, just decide to stop. It’s much easier than you might think. Focus on your family and your financial peace of mind. If you really can’t say no to people then consider the next tip:

Homemade Gifts

Some people groan at the thought of this, but it can be much easier than you think. Everybody has some sort of skill or service they can offer.

Are you a knitter? Then look at Pinterest for cool knitting ideas, such as a mug cosy pattern (buy a cheap mug and fill it with marshmallows) that won’t take long to create.

Don’t possess a creative bone in your body? That’s ok! Offer a new mum an afternoon where you’ll hold her baby and do some laundry while she grabs a shower or maybe takes a nap.

Wrack your brains for what you can offer and know that whilst people rarely remember what you’ve bought them, they’ll always remember the time you’ve spent with or on them. If they don’t appreciate you for it, then you might reconsider why you’d give a gift for them in the first place.

dreamstimefree_1537888
Courtesy of Dreamstime.com

Secret Santas

This is something that most office workers will be very familiar with. It usually involves receiving some useless but hilarious gift from an unknown colleague, but the idea can also be extended to family and friends.

If it’s a completely new concept to you, it basically just involves a group of people putting their names into a ‘hat’, everybody taking a name and without telling anybody else, buying that person a gift. A price is set for the gift (an amount everyone agrees on) and by Xmas, the gifts are all put together (labelled, obviously), and passed out to the correct recipient. In this way, everybody gets a gift and everybody only has one gift to buy. It can save a fortune.

Consider Second-Hand

Yes, I really said that! When you say ‘second-hand’ to some people. they envisage smelly and horrible clothes from a charity shop, but come on, don’t be a snob, there are so many beautiful, gently used items to be had both in shops and online (it’s what eBay was built on after all!). It’s a great way to give somebody something you’d never usually be able to justify buying brand new and it also keeps those things from going into landfill. A double win!

Christmas Cards

These were introduced by inventor Sir Henry Cole in 1843, who had helped to bring about the penny post three years previously (a coincidence?).

Whilst I can see the value in posting a card to somebody you’re not going to see over the Xmas period, and who you’d really like to keep being reminded of the fact you care about them by the presence of a card on their mantelpiece, I don’t see the point in writing a bajillion cards and handing them to people you are going to see right up to the big day. Neither do I see the point in posting numerous cards to people who you never have any sort of contact with from one Xmas card to the next. It’s a massive waste of money, resources and who knows if the recipients even want the hassle of finding somewhere to put the cards, let alone the mountain of recycling they have to add to in the New Year (that’s if they don’t just throw them into the normal waste – shudder!).

There are ecards, email, instant messaging, texts, a whole host of social media and even the old telephone call that can replace sending a card. All are either free or very cheap and you’ll probably say more to the person you’re contacting. ‘But I like to support my favourite charity by buying cards!’ you cry, well then you’ve got to read this 2015 article.

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Image courtesy of Dreamstime.com

Meal Plan!

Whenever I’ve not made a proper plan for eating over the festive season, I’ve invariably gone overboard with how much food I’ve bought. I’m guessing I’m not alone with this.

If you’re fed up buying food that spoils, are sick of turkey and even chocolate (you’d have to be MENTAL), then before you shop, plan out how many of those days off work you’re planning on eating differently to your usual week then plan what you’d like to eat for breakfast (even if it’s a chocolate orange), lunch, dinner, snacks, and booze, and what you know your family and/or guests will likely want to eat and buy only that.

If you are having guests, it’s perfectly acceptable to ask them to bring some food or drink that will travel well and if it’s all getting too expensive, consider just one day of feasting. Not only will it help your wallet, but your waist will probably thank you for it too.

Finally, if nobody likes Xmas pudding, sprouts or turkey, etc, just don’t buy them purely in the name of tradition!

What do YOU do to save money on Christmas? What’s your biggest festive, financial regret? I’d love to hear!

I love hearing from you and want to grow this community. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa aka ‘Bunchy’

A Fistful Of Frugal – Beauty Edition

‘A Fistful OF Frugal’ will be a regular semi-regular feature where I share five (five fingers equals a fist, right?) frugal things that either my husband or I do to save money. I’m going to kick off with those that I use in my personal grooming and I hope that even if they’re not things that you’d choose to do, that you’ll at least find them interesting.

  1. I cut my hair (with the help of Mr. B!)
    I looked for videos on YouTube and found one that kept instructions simple. Granted, I keep a simple haircut, but there are tutorials for many styles, dependent on how brave you are!
  2. I make my deodorant
    I really don’t like the idea of repeatedly smearing dodgy chemicals onto the skin near my lymph nodes and breast tissue and so did some research and lucked out on a fantastic recipe, which just so happened to use ingredients that we already had in the kitchen. Once made, it lasts me many months and works better than even such brands as Mitchum worked for me. My husband tried it and though he said it worked more effectively than regular deodorant, he didn’t like the oiliness in his underarm hair. (N.B. It has never left oil stains on my clothing). I can’t find the link to the recipe I use, but I found a website with three recipes that are very similar.
  3. I use a homemade exfoliant.
    Now, there are many recipes using a combination of ingredients, either using sugar or sometimes salt, as the main ingredient, and I have tried many of them, but I always go back to the thing I’ve used since I was a teenager, which is plain old granulated sugar! If you want something less abrasive, then use a recipe that mixes it up with an oil, for instance.
    Using sugar gives me really soft skin and must have saved me a fortune (not to mention all of the plastic that was kept from landfill and nasty chemicals from my skin) over the years and, as we take sugar in our tea, we always have it in the house!
  4. I use a homemade face mask.
    I’ve experimented with homemade masks over the years, but always went back to my beloved clay masks, but when my favourite clay mask was discontinued recently, it was the kick I needed to look into homemade masks once again.
    I have an ongoing battle with acne. Yes, I’m 40 and not only do I have to contend with wrinkles but spots too. Life’s cruel.
    I really want to make my own clay masks, but the initial outlay is a little bit much for me to justify right now, but I found a recipe that is working very well for me and, you guessed it, everything required was in our kitchen.
  5. I do my manicures and pedicures (though not as often as I probably should).
    My fingernails aren’t particularly high on my list of priorities, but when I do decide to look after them, I can do a pretty good job with some very simple and inexpensive tools. Even if you’re the type of person that likes those amazingly creative fake nails, with jewels and charms, there are tutorials for free on YouTube and not only do you save a fortune by doing it yourself, you’ll be learning a new skill. Hey, maybe you can start earning money by offering your new skill to others!

What frugal things do you do? Please share so that we can all learn from each other!

I love hearing from you and want to grow this community that is gradually getting bigger. Don’t be shy! Comment, contribute to the Facebook page, send me a private message or all three! I will always try to help you.

Lisa a.k.a ‘Bunchy’