Waz 4,293 Posted December 28, 2013 Report Share Posted December 28, 2013 In these difficult times any money saving idea is useful. Well you may ask what is the way to save money in 2014 - it's simple folks dig out your calendar from 1946 and reuse it, the dates and days of the week are identical! Quote Link to post Share on other sites
Nik_B 3,791 Posted December 28, 2013 Report Share Posted December 28, 2013 Don't spend it? Quote Link to post Share on other sites
keepdiggin 9,565 Posted December 28, 2013 Report Share Posted December 28, 2013 i'll be saving giving up the beer in 2014, when you work out how much you spend down the pub to feel like shite the next day. Quote Link to post Share on other sites
Nik_B 3,791 Posted December 28, 2013 Report Share Posted December 28, 2013 I would check energy suppliers to make sure you're on the best deal (money supermarket etc) same with phone, internet, car/house insurance. When I finally got my a*se in to gear a few years ago I dropped my monthly bills by several hundred quid. Use savings to pay off any loans/credit cards...money is depreciating in the bank. Quote Link to post Share on other sites
Nik_B 3,791 Posted December 28, 2013 Report Share Posted December 28, 2013 i'll be saving giving up the beer in 2014, when you work out how much you spend down the pub to feel like shite the next day. A few grand a year I recon 1 Quote Link to post Share on other sites
mushroom 14,247 Posted December 28, 2013 Report Share Posted December 28, 2013 I would check energy suppliers to make sure you're on the best deal (money supermarket etc) same with phone, internet, car/house insurance. When I finally got my a*se in to gear a few years ago I dropped my monthly bills by several hundred quid. Use savings to pay off any loans/credit cards...money is depreciating in the bank. Nik you are so correct Banks are shite for giving Most accounts don't even cover inflation. Find a decent investment giving 4% and you are laughing. I know someone who is a risky mofo and he's making 10-12% a year on his investments. Invest your money into schemes matching your risk level... If you have 10 grand to PLAY with a year this invested correctly and actively managed over 25 years will be paying your retirement, the risk is that your investment porfolio will contain some scary shit take your eye off the ball and you are on a state pension If you have 10 grand that is important but can be invested then go for lower interest payers they will be invested in more secure options, normally pay between 3.5 and 7% and will not fluctuate wildly. Quote Link to post Share on other sites
Outlaw Pete 2,224 Posted December 28, 2013 Report Share Posted December 28, 2013 i'll be saving giving up the beer in 2014, when you work out how much you spend down the pub to feel like shite the next day. Make your own. The seventies, and shit kits over loaded with Tate & Lyle are long behind us now. I make much better beer than I can buy in the pubs in town. I far prefer my own stuff ~ as do those who get to taste it. My beer bill is €100.00 a month. If I went to the pub each night? It'd be €1,400 :icon_eek: 1 Quote Link to post Share on other sites
keepdiggin 9,565 Posted December 28, 2013 Report Share Posted December 28, 2013 quitting the beer full stop pal (well at least try) Quote Link to post Share on other sites
TOMO 29,450 Posted December 28, 2013 Report Share Posted December 28, 2013 Feck me ,,, 100 euro a month,,, some folk have to much money.... Mate you need to stop drinking,, you know you have a problem don't you.... Quote Link to post Share on other sites
steve66 3,843 Posted December 28, 2013 Report Share Posted December 28, 2013 I would check energy suppliers to make sure you're on the best deal (money supermarket etc) same with phone, internet, car/house insurance. When I finally got my a*se in to gear a few years ago I dropped my monthly bills by several hundred quid. Use savings to pay off any loans/credit cards...money is depreciating in the bank. Nik you are so correct Banks are shite for giving Most accounts don't even cover inflation. Find a decent investment giving 4% and you are laughing. I know someone who is a risky mofo and he's making 10-12% a year on his investments. Invest your money into schemes matching your risk level... If you have 10 grand to PLAY with a year this invested correctly and actively managed over 25 years will be paying your retirement, the risk is that your investment porfolio will contain some scary shit take your eye off the ball and you are on a state pension If you have 10 grand that is important but can be invested then go for lower interest payers they will be invested in more secure options, normally pay between 3.5 and 7% and will not fluctuate wildly. A spare 10 grand im lucky to have a spare tenner these days 2 Quote Link to post Share on other sites
Nik_B 3,791 Posted December 28, 2013 Report Share Posted December 28, 2013 another thing I've done is insulate the house better. We put in king span in the cellar ceiling which makes the downstairs floor warmer and retain the heat and also I used stormseal around all the windows and doors. I'm trying putting the heating on earlier but at a lower setting which also seems to be doing the job. Unplugging the TV and laptops etc all the time and we've got our elec/gas bill down by 70 quid a month 1 Quote Link to post Share on other sites
Nik_B 3,791 Posted December 28, 2013 Report Share Posted December 28, 2013 Another one is make home made food and try not to get anything processed. Apart from it tasting nicer it's miles cheaper. Never buy sandwich meat always buy a joint or with chicken always get a whole one rather than just breasts, we make soup out of the left overs as well...well we did until our freezer broke 1 Quote Link to post Share on other sites
steve66 3,843 Posted December 28, 2013 Report Share Posted December 28, 2013 Just bought a new food proseser to make soups , going to have a good crack at the veg patch this year Quote Link to post Share on other sites
Brewman 1,192 Posted December 28, 2013 Report Share Posted December 28, 2013 I bought a lamb and venison, butchered them myself and what I saved from those 2 paid for the knives and Bits and pieces which will last hopefully for years. Possibly getting solar panels which will take 4 years to pay off then make us about £300 a year after the leccy has been paid. Quote Link to post Share on other sites
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