I am a money saver
…and I know how to save money on everything we buy. I’ll negotiate, be cheeky, will shop around all to save a few extra pounds. I then use this saving to splurge on things like a holiday to Las Vegas or a really nice meal out with the hubby. I believe in saving to then splurge:-)
Here are my big savings/earning this year, after 6 months we have saved £7,500. Have a good read as I am sure there are some tactics you can follow and save yourself some serious cash?
Switching Food Shopping from Tesco to Aldi
Back in January 2016, I was selected to join the Aldi wine club. I got to taste 2 wines every few weeks and tweet a review. This prompted me to explore the shopping at Aldi and become a money saver. I had been shopping at Tesco my entire adult life. This was a big shift for me.
I was spending £120 per week at Tesco with a bit of top up at Co-op. I now spend £80 per week at Aldi with little tops if needed.
£50 saving for 20 weeks = £1,000
Las Vegas Holiday
Our April Holiday to Las Vegas booked through Expedia via TopCashBack. If we had booked this through a high street travel agent it would have been a lot more.
We paid £2200 rather than the £3200 quoted at said high street travel agent. Plus I got an additional 5.25% £115 cash back via TopCashBack.
Total Holiday Saving = £1,115
Car/Travel/House Insurance Renewal
All our annual insurances renew in March and April. The renewal quotes came in at £400 for the car insurance, £200 for the house insurance and £60 for the annual travel insurance. I compared the markets for each type of insurance using the TopCashBack comparison engine which not only gave me the cheapest insurance but also a chunk of cash back too.
I checked a few of the recommendations out and end up getting the car insurance for £200 after £60 cash back and saved an additional £40 on house insurance and £10 on travel insurance.
Total Insurance saving = £250
This is something that I have not mentioned before and it’s not strictly money saving, more a money making scheme. I looked into it following my first UK money bloggers meet up back in February where I first heard about it.
Matched betting is making a profit out of the huge volume of free bets the betting companies offer to entice you into their sparkly world of gambling. I did for 2 months leading up to our Las Vegas holiday and made a tax free/risk free profit of £2,000.
If you are interested in learning more the best place to go is Profit Accumulator a specialist matched betting site that can explain way better than me how it works and will offer you a FREE trial which will show you the ropes and make you a £40ish profit.
Total Matched Betting Profit = £2,000
Giving Budget Make-Up a go
I love finding a budget beauty buy in Poundland or Aldi and have been trying quite a few Aldi Lacura items. I love their eye liner, mascara, and age defying 3-minute mask. A snip compared the normal Bobbi Brown make up I buy. I now buy a bit of both. I filmed 2 videos of my Aldi skin care test before and after. See what you think my skin looks like after using the budget products.
Make Up Savings = £150
Currency for Holidays
I have discovered a great currency comparison site who consistently offer me the best rates of currency. Even compared to places like the post office or super markets you get a better deal here. We saved around £100 with our dollars purchase for April holiday and Euro purchase for Summer Hols
Currency Exchange Saving = £100
Back in January I commenced a series of life coaching sessions with my hypnotherapy friend Heather. She had recently trained in life coaching and needed a couple of case study guinea pigs to practice on before launching it as a service. I was the guinea pig so was VERY lucky to receive a series of life coaching sessions from Jan to March worth £1000.
Life Coaching Saving = £1000
Family Rail Card
I got one of these in January as we do a lot of driving to football in Cambridge with the boys. This gave us the option to get the train. Nice in the warmer months. Plus any trips with the family into London cost a lot less with the rail card. I think over the 6 months we have saved maybe £100 in rail fares. At a cost of £30, I love this savings card.
Rail Card Saving = £100
Products and Services Received as part of my Mrs Mummypenny work
As you will notice from my blog I regularly receive exciting products and goodies to try out for Mrs. Mummypenny. And thanks to Aldi it is normally things that I would have been buying anyway. Such as fathers day pressies, cooking items, camping gear, school uniform or wine. Everything I receive here has to be disclosed as income to Mr. Taxman.
Money saved through receipt of free products = £900
I love to enter a competition, I normally enter one a day. As you never know when you will eventually win. Hopefully the big prizes…New York holiday pretty please let me win:-) So far this year I have won a Moonpig stationery bundle and some Ritual cosmetics
Prize value = £80
Again more of money made rather than money saved but so far this year I have earned around £100 plus a few free products from a few Asda, Tesco, Co-op, bank mystery shopping gigs.
If you are interested in this great money making idea I recommend Redwigwam and Ragdoll as companies to sign up to. Ragdoll, in particular, is a good one as the payment is £50!! If you do sign up please use my name as the recruiter/referral box, I will get a small amount of referral commission:-)
Mystery Sopping Income + Products = £150
Top Cash Back
I use TopCashBack for all online purchases and have received various bits of cash back for things like a flower delivery, ugg boots, Dominos pizza. Get an account and start saving, again if you use this link I will get a small referral fee. I have made £1500 in 3 1/2 years of having my account.
Cashback Received = £150
Mobile Phone, Broadband and Sky TV savings
I get a friends and family discount on my mobile for life as I worked at EE. This saves me £15 per month. I have a friends and family discount at Sky which saves us £35 per month. And I have had to make around 10 customer service complaints about BT, for which I have received refunds/credit of £150.
Mobile/BB/Sky savings = £450
Total Saving of £7,445
If you have any other great saving ideas please do leave a comment and share them below.