Tuesday, 14 July 2009

BaBeeCard first tip of 20 money saving tips you've never heard before

As seen on Timesonline.com Money Central Blog

Dinner party conversations are dominated by ways to reduce the amount we spend. We are now all familiar with cheap restaurant deals, or the benefits of shopping around online. We all know someone who is growing vegetables in the garden or darning their socks.

But do you know how to store your fruit so it lasts longer, or what to use instead of washing powder? We have scoured the internet to find 20 money saving tips we think you might not have come across before. If you are already practicing these thrifty tricks, use the comment space below to share other suggestions.

1. Get a BabeeCard
Parents should join the BabeeCard (http://www.babeecard.com/) prepaid card scheme, which offers discounts of up to 20 per cent at a number of high street retailers.

2. Join fixture Ferrets
For 10p a week you can join Fixture Ferrets (http://www.fixtureferrets.com/), a website which will keep you up to date on the various offers available at supermarkets across the UK. It will even send you text alerts about the latest deals.

3. Visit the deal centre online
Sign up to http://www.dealcentre.co.uk/ or http://www.searchfreebies.co.uk/ for a comprehensive guide to the best promotions available across the internet.

4. Ask for a "rain check" voucher
If a special offer has run out, ask for a "rain check" voucher. Tesco, Sainsbury's and a number of other supermarkets offer the vouchers, which allow you to benefit from the offer the next time you are in the store, even after the promotion is over.

5. Do not assume that bigger packets mean better value
Some items, such as dog food or washing powder, can be more expensive in bigger packs. Check the price per 100g on the shelf label before buying in bulk.

6. Use vinegar in place of whiteners in your wash
Adding vinegar to your wash ensures your whites emerge from the washing machine whiter than white at a fraction of the cost. It also doubles as a stain remover if applied directly to your clothes.

7. Use baking powder in your wash
Add baking soda to your washing machine powder or dishwasher powder to make it last longer.

8. Use glycerine as a moisturiser
Glycerine is an effective moisturiser and is the foundation of many more expensive products on the market. However, it can be bought for next to nothing from you local chemist.

9. Create your own "mulch"
You can prevent soil from drying out around flowers and plants in your garden by adding "mulch", effectively a layer of any material used to cover the garden bed. However, instead of expensive options such as wood chippings or peat, collect fallen leaves or grass clippings and
store in a black bag with some water until it is rotten then spread over the bedding.

10. Keep your fridge full
You can help your fridge work more effectively by keeping it full - use bottles of water to fill empty shelves. However, if you rarely fill your fridge, downgrade to a smaller model. You will save energy and are likely to buy and waste less food.

11. Make "mop-up squares" from old T-shirts
You can save money on kitchen cloths by cutting up old T-shirts to make square cloths you can use to wipe up spillages, suggests thrift expert Rebecca Ash.

12. Store bananas separately
Bananas release a gas which hastens the rate at which other fruit goes off.

13. Protect your apples in paper
You can keep apples for several months by wrapping each one in newspaper as it makes it much harder for rot to spread.

14. Do not put some fruit and veg in the fridge
Do not keep satsumas in the fridge as the cold can turn them to mush. The same is true of peppers, cucumbers, courgettes and marrows.

15. Store mushrooms in a wine rack
It may sounds silly but if you store mushrooms in a paper bag and keep them in a wine rack they will stay fresher for longer, according to experts.

16. Watch TV live
Instead of paying for theatre or cinema tickets, get free tickets to the filming or recording of TV or radio shows. Visit http://www.bbc.co.uk/tickets/ or http://www.itv.com/beontv/tickets/ for more information.

17. Save on train fares
Buy train tickets over the phone, even if you are already at the station - prices over the phone can be cheaper than buying from the ticket office directly.

18. Stay in a halls of residence
University halls of residence are much cheaper than hotels for city breaks.

19. Swap your old books for new
The website http://www.readitswapit.co.uk/ allows you to exchange the books you've already read for the books you want to read next. Postage is around £1.40 per book.

20. Buy eggs from your local farmers market
Farmers markets have become synonymous with expensive organic meat and cheese, but some items on sale at your local market are markedly cheaper than the supermarket, namely eggs. In some markets, you can buy a dozen of free-range eggs for half the price of the supermarkets.

By James Charles

Thursday, 9 July 2009

10 top money saving tips when preparing for your newborn

1. Furniture
Try not to buy anything until you have checked with family and friends to see if they have any old pieces going for free, borrow or to keep. Freecycle is a neat little site to find freebies in your area that you can go and collect; it’s great way to keep the landfill sites down whilst furnishing your nursery absolutely free.

Top tip: Always buy a new mattress for a cot or Moses basket and always buy a new car seat as it may have previously been in an accident and be unsafe.

2. Breast v Bottle
If you can breastfeed it is by far the cheapest option. Formula milk is a money sponge and is also pretty fiddly with all the bottles and teats, not to mention the added cost of all the sterilising equipment.

As they say, breast is best!

3. Clothes and baby shoes
It’s SO easy to spend a small fortune on all those cute little outfits for your newborn.
But babies don’t need shoes, they are perfectly happy kicking about in their teeny weeny socks, plus what parent doesn’t love kissing the soles of their baby’s feet? I learnt the hard way as my son didn’t wear one pair, they either fell off or after getting him all changed putting them back on seemed pointless as I would only have to take them off again.

SAVE your money for when they start to cruise and really need shoes!

4. Toys
Save your pennies, don’t buy toys for newborns. Babies mainly sleep, eat and need a cuddle. Car keys, wooden spoons, Tupperware, TV remotes and a phone handset will be more than enough to keep them fascinated.

5. Thoughtful and practical baby shower gifts
Guess the birth weight? Guess the size of clothing? Now that is a waste of money. Why not ask friends and family to club together and buy you either store vouchers or supermarket vouchers that you can use over 6 months to buy your essentials like nappies, wipes, and formula (if bottle feeding).

You could put a list together of your absolute essentials that would take the financial burden off you if they were bought as gifts? These need not be expensive items and you will be surprised how chuffed your givers will be when they buy you something that you really need.

6. Burp clothes and other fancy non-necessities
Walking into a baby shop can be completely overwhelming. The range of items available is staggering, but how many of them are actually necessary? Do you really need patterned burp clothes, or would a clean flannel or tea towel do? It is easy to overspend on the non-essentials and before you know it, your budget is straight out of the window. Make a list of what you need and see if there is a cheaper alternative to each item.

7. Nappies and wipes
Reusable nappies work out the cheapest and some local authorities will give you a small grant to offset some of the cost. If you are going to go for disposables then supermarket own brands are just as effective as well known brands and are a lot cheaper. Buying in bulk will also save you money, but you do need ample storage space for this kind of purchasing decision. For your local incentive scheme visit BabyKind.

8. Changing table
There are many great looking changing tables out there, but the top of a waist height dresser will do just the same job and you can use it for storing blankets, sheets and baby clothes. You will get years out of it, whereas the changing table facility will cease being useful once your baby can stand and is cheeky enough to wriggle about and climb.

9. Baby baths - back to basics
Newborns need topping and tailing for the first few weeks and then they can snuggle up safely on your chest getting skin-to-skin contact when you bathe. A kitchen sink is big enough to bathe your baby in if you don’t feel comfortable being in the tub. Baby baths are a waste of money as they grow out of them so quickly and I am sure there have been quite a few “Oops who put that toy there?” when carrying a full bath to empty it.

10. The best things in life are free
· Your soothing voice as you sing your little one a lullaby.
· Your warm skin and motherly embrace as you hold them close to your beating heart.
· The stories you can tell them about all the things they are going to see and experience.
· The love and affection from all those around them that care.
· A baby needs warmth, love, food & security – this really doesn’t have to cost the earth.

Tuesday, 7 July 2009

If I didn't laugh - I would cry...

Tears of joy that is as my son will be having a little sister in early November, well that's what the sonographer told me. Don't buy anything pink she said, just in case.....that's like telling a child not to put his hand in the cookie jar when you leave the lid off and at mouth height!

Anyway, have been missing my blogging with so much going on and have been trying to save the general public from any hormonal ramblings I may be tempted to post. I seem to have them in check at the moment hence daring to come on here and share my good, albeit disruptive news.

I have only JUST got my head around a wobbly throwing 2 year old and am now thrown in at the deep end, it's sink or swim baby!

I think I might just make a swim for it.

Thursday, 23 April 2009

Mummo Mag features our top 10 money saving tips

Mummo is a fantastic new website for mums to share experiences and network. Mummo is supporting the Million Mums Campaign to help maternal mortalities in developing countries.

We were lucky enough to get a Mums Money Tips double page spread.

Check out Page 66 here to read up on our top 10 money saving tips.

Monday, 23 February 2009

Spare £200,000? - that's the cost of bringing up baby until they are 21.

My son had better be the best behaved teenager in the whole wide world, make his mummy umpteen cups of tea, breakfast in bed, settle for any old trainers I decide to buy him, tidy his room on a daily basis and be a straigh A student, if it's going to cost me £200,000 then I want my monies worth!

£200k! - that is the cost put on raising a child to the age of 21.

According to LV the insurance group who carried out the research we spend around £7,415 on them on leisure and recreation alone until they reach 21. Does that include the iPhone, iPod, iWhatNext and nike trainers that speak to you and turn you into a superhuman that they will want when growing up? or is that just for straight cinema, swimming, football, afterschool clubs, ballet, piano lessons, school trips etc?

The biggest cost factors in order are:

- Childcare
- Education
- Food
- Clothing

Saving money where you can by planning, budgeting and putting some aside is going to be vital to make sure you have enough for your essentials and any extra.

There is help out there, you just have to go and look for it and set aside some time, fill in all the forms and do a bit of research and claim:

Benefits
- Child benefit
- Tax credits

Contact: call 0845 300 3900 or visit http://www.hmrc.gov.uk/

Child Trust Fund Account
Child Trust Fund Account with a £250 government payment to kick start it with another £250 when they reach 7.

Contact: visit http://www.childcarelink.gov.uk/

Childcare vouchers
The Children’s Information Service has the names of all registered childcare providers in your area.

Contact: call 0800 234 6346 or visit http://www.childcarelink.gov.uk/

Healthy Start Vouchers
If you are on certain benefits you can claim Healthy Start Vouchers that you can put towards fresh fruit & vegetables, milk and formula.

Contact: visit Healthy Start Vouchers

Freecycle
A global community that is made up of 4,675 groups with 6,407,000 members. Their message is simple, it’s all about reusing things and not throwing out stuff you don’t want anymore leading to landfills overflowing. It's free to join and it's great for baby / child stuff and furniture.

Contact: visit Freecycle

Monday, 16 February 2009

Portion control - frozen & canned vs fresh

I have never been a big fan of the freezer (tucked away in a really awkward place) unless it was holding Hagan Daaz strawberry cheesecake icecream, a bottle of vanilla vodka and some fishfingers (not my staple diet I hasten to add!) but recently I have started stocking up on things I wouldn't normally buy frozen such as cod, tuna steaks, prawns, croissants, herbs and cauliflower.

I have also been heeding my own advice (posted on Mums Money Tips section Freeze, Freeze, Freeze) and have been opening and shutting the freezer door more times than i've had hot dinners due to freezing every leftover I can find; herbs, bread, fruit, meat, banana, grapes, pitta bread and berries!

Banana???!!! yes, banana! not any old banana, one that has been peeled and rolled in desicated coconut, frozen bananas are great for teething babies and a really fun desert or late night snack instead of biccies. Check out the chocolate dipped frozen banana

I still struggle with buying canned food over fresh as there just seems to be something strange about vegetables in a tin, although canned food is great for value for money and portion control. If you are anything like me, my eyes are ALWAYS bigger than my belly.

According to The Grocer magazine canned soups account for 95% of the soup market, I have to tell you, I can believe that when Baxters bring out such scrumptious recipes such as Tomato with roasted garlic and parmesan, er hello! bring me more. You are also doing your bit for the environmant as Baxters cans are recyclable and are already 35% recycled.

Supermarkets 'use discounts to disguise price rises'

Interesting article about how supermarket promotions discount prices and then push the price up higher than it was previously when the deal is over.

http://thescotsman.scotsman.com/uk/Supermarkets-39use-discounts-to-disguise.4982727.jp

On my next shop i'll have my toddler in one hand, a calculator and notebook of all my old shopping prices in the other :-)