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Money saving tips

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By (user no longer on site) OP   
over a year ago

So iv just found out if you are a single person household and can't have a water meter fitted you can apply for a discount on your water rate plus if your income is under 16,000 per year you can ask to go on the low earner rate. Also many broadband companies have a low earners rate too. Iv just heard this on the radio and had no idea because these companies don't shout about it but may help some of you. Anyone else got any things like this that are worth looking in to?

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By *nSeeNMan
over a year ago

Z'ha'dum

If you half fill your fuel tank up, it'll cost you less.

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By *ooking for fun 1978Man
over a year ago

Northumberland

Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months

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By *rwhowhatwherewhyMan
over a year ago

Aylesbury

Dont have children, they are really expensive

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By *ackdaw52Man
over a year ago

Chesterfield

I get a single occupant discount on my council tax.

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By *ikingpairCouple
over a year ago

Cambridge

I would advise looking at Martin Lewis's website, alot of useful and practical advice on there. MrsH

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By (user no longer on site)
over a year ago

Don’t get married just enjoy others wives

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By *innie The MinxWoman
over a year ago

Under the Duvet


"I would advise looking at Martin Lewis's website, alot of useful and practical advice on there. MrsH"

Definitely worth a look. I discovered I could claim money bk for homeworking over the last couple of years.

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By (user no longer on site)
over a year ago


"If you half fill your fuel tank up, it'll cost you less.

"

That’s a bit like , if things don’t change they’ll stay the same

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By (user no longer on site)
over a year ago

Gr8 thread OP

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By *illingToHelpMan
over a year ago

Oldham or South Shore


"If you half fill your fuel tank up, it'll cost you less.

That’s a bit like , if things don’t change they’ll stay the same "

It’s because your car isn’t as heavy as it is with a full tank, meaning it needs to use less fuel to move. As the car gets lighter, you use less fuel. So always going to half full is cheaper on the long run…. Granted by pennies, but still.

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By *2000ManMan
over a year ago

Worthing


"I get a single occupant discount on my council tax. "

Ditto. Don't forget to respond to yearly council request to confirm who lives at the address. It's not only for voting rights.

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By *2000ManMan
over a year ago

Worthing


"If you half fill your fuel tank up, it'll cost you less.

That’s a bit like , if things don’t change they’ll stay the same

It’s because your car isn’t as heavy as it is with a full tank, meaning it needs to use less fuel to move. As the car gets lighter, you use less fuel. So always going to half full is cheaper on the long run…. Granted by pennies, but still."

Uncanny, I was going to post the same without even seeing your reply.

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By (user no longer on site)
over a year ago

Always check you’re council tax band as most councils ripping us all off with the banding of properties

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Always shop around for insurance and call your current provider at renewal time armed with a cheaper quote. Ask for a loyalty discount. This goes for any insurance at all.

If you have credit card debt and have never defaulted call the company speak to the loyalty team and ask them if it's possible to reduce your interest rate. Do this every six months.

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross


"Don’t get married just enjoy others wives "

It's easier to get by when two live together.

I pay everything on one income.

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By (user no longer on site)
over a year ago

Get some candles in for the winter

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By *ranny-CrumpetWoman
over a year ago

The Town by The Cross

Bathe with a friend. Old advice I know but when we were first married , husband had the hot water ( too hot for me ) and I bathed after him so we didn't run two baths.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"Don’t get married just enjoy others wives

It's easier to get by when two live together.

I pay everything on one income. "

This is very true

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By *unguyfortiesMan
over a year ago

north east

Download and use the Petrol Prices app. It searches for cheapest fuel in your area. Sometimes worth driving a bit further to get cheaper fuel.

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By *exleybuffboyMan
over a year ago

sidcup and Spain

Grab some empty ice cream tubs, go in the garden and fill them with the heat. Then in November you can open them and let the heat out. Better yet you could freeze it, then just defrost the heat as and when you need it.

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By (user no longer on site)
over a year ago


"Always shop around for insurance and call your current provider at renewal time armed with a cheaper quote. Ask for a loyalty discount. This goes for any insurance at all.

If you have credit card debt and have never defaulted call the company speak to the loyalty team and ask them if it's possible to reduce your interest rate. Do this every six months.

"

Or move it to an interest free card, there’s some that are 24 months interest free or even longer

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By (user no longer on site)
over a year ago

Turn all gadgets kettles washing machines sky tv anything you’re not using

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By (user no longer on site)
over a year ago

I hate to to be doom n gloom, but let’s face it. No amount of money saving is gonna protect us from the hikes coming. All we can do is our very best, and hope for better times sooner rather than later.

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By *ighty DuckMan
over a year ago

andover

If you work from home , you’re due a tax rebate.

I did mine for 2021,2020 and received £125 as a cheque in about 7 days of filling it out online

Takes 5 minutes to do on the gov site.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"I hate to to be doom n gloom, but let’s face it. No amount of money saving is gonna protect us from the hikes coming. All we can do is our very best, and hope for better times sooner rather than later. "

All we can do is make ourselves less badly off.

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By *otSoPoshWoman
over a year ago

In a ball gown because that's how we roll in N. Devon


"Don’t get married just enjoy others wives

It's easier to get by when two live together.

I pay everything on one income. "

Same here. It's not that much more expensive to live when there are two people in a home, but two incomes make a massive difference.

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By (user no longer on site)
over a year ago


"I hate to to be doom n gloom, but let’s face it. No amount of money saving is gonna protect us from the hikes coming. All we can do is our very best, and hope for better times sooner rather than later.

All we can do is make ourselves less badly off. "

Exactly. Choosing between heat or eat will be considered luxurious.

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By *ucka39Man
over a year ago

Newcastle

Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

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By *ickshawedCouple
over a year ago

Wolverhampton


"Always check you’re council tax band as most councils ripping us all off with the banding of properties

"

Don't blame the council. Bands are set by the Valuation Office - it's part of the government

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By *tephTV67TV/TS
over a year ago

Cheshire

Cheaper items are on the bottom shelf in the supermarket.

Discounting in supermarkets generally start late afternoon, around 5-6pm as you still need the customers to get rid of anything going out of date.

Smaller supermarket will have more discounted goods than the larger ones. Especially if there’s a bigger store close by, including rivals.

I used to work in a Supermarket, reason for all above. Admittedly it’s down to the store management to decide how and when they discount items.

Check the online benefit calculator to see if you’re entitled to any benefits.

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By *lynJMan
over a year ago

Morden

I got some motion activates night lights for the hall and stairs. They're LED - 1 Watt each and saves you from turning on the main lights unless you really need to

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By (user no longer on site)
over a year ago


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important "

Going to check my boiler. Good tip.

Got the heating temperature turned down on the boiler already. No need for it to be pumping water as hot as the sun round the system.

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By (user no longer on site)
over a year ago


"Grab some empty ice cream tubs, go in the garden and fill them with the heat. Then in November you can open them and let the heat out. Better yet you could freeze it, then just defrost the heat as and when you need it. "

Doing this now.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important "

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?

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By (user no longer on site)
over a year ago

I found a couple of additional benefits I was entitled to (inc money off my water bill) on entitledto.co.uk

I'm currently looking at changing my current account - first direct offer £150 cash back. Money Saving Expert always has up to date info on the best options for switching accounts. A lot of people think it's not worth the hassle but it's now very simple and the banks will take care of all the Direct Debit changeovers etc.

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By (user no longer on site)
over a year ago

Go to training school for beauty stuff. Nails, hair.

Watch YouTube videos on how to apply colour and buy the stuff online.

I buy my colours on ebay as salon services have went through the prices over lockdown with people buying colours online.

Try Groupon,wonder etc for meals trips etc.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?"

Légionnaires disease was the one I was thinking of. 60°c is ideal apparently

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By (user no longer on site) OP   
over a year ago


"Always shop around for insurance and call your current provider at renewal time armed with a cheaper quote. Ask for a loyalty discount. This goes for any insurance at all.

If you have credit card debt and have never defaulted call the company speak to the loyalty team and ask them if it's possible to reduce your interest rate. Do this every six months.

"

Thats a good one, I didn't know you could do that.

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By (user no longer on site) OP   
over a year ago


"I hate to to be doom n gloom, but let’s face it. No amount of money saving is gonna protect us from the hikes coming. All we can do is our very best, and hope for better times sooner rather than later. "

I get that but a lot of people are more for things than they should.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"Always shop around for insurance and call your current provider at renewal time armed with a cheaper quote. Ask for a loyalty discount. This goes for any insurance at all.

If you have credit card debt and have never defaulted call the company speak to the loyalty team and ask them if it's possible to reduce your interest rate. Do this every six months.

Thats a good one, I didn't know you could do that. "

I used to do it on my credit card when I had quite a large balance after a period of financial difficulty. They reduced my interest rate every six months for a while. It really helped me pay it off. I already had a zero percent one up to the max and wasn't eligible for another.

The insurance one I just do automatically now. Frequently they give me a price that's less than the previous year

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By (user no longer on site) OP   
over a year ago


"Cheaper items are on the bottom shelf in the supermarket.

Discounting in supermarkets generally start late afternoon, around 5-6pm as you still need the customers to get rid of anything going out of date.

Smaller supermarket will have more discounted goods than the larger ones. Especially if there’s a bigger store close by, including rivals.

I used to work in a Supermarket, reason for all above. Admittedly it’s down to the store management to decide how and when they discount items.

Check the online benefit calculator to see if you’re entitled to any benefits. "

Yes definitely essential the benefits, lots of people don't claim things they are entitled to.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Also we recently contacted sky on my dad's behalf. I explained his situation to the lady and she really bent over backwards to reduce his bill. It was less than half by the time we finished the call. If you have elderly relatives it might be worth discussing what they actually need from their broadband and TV as opposed to what they have

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By (user no longer on site) OP   
over a year ago


"Also we recently contacted sky on my dad's behalf. I explained his situation to the lady and she really bent over backwards to reduce his bill. It was less than half by the time we finished the call. If you have elderly relatives it might be worth discussing what they actually need from their broadband and TV as opposed to what they have"

Yes there is something called the low earners rate, apparently this is something most companies provide but they don't advertise it.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex


"Also we recently contacted sky on my dad's behalf. I explained his situation to the lady and she really bent over backwards to reduce his bill. It was less than half by the time we finished the call. If you have elderly relatives it might be worth discussing what they actually need from their broadband and TV as opposed to what they have

Yes there is something called the low earners rate, apparently this is something most companies provide but they don't advertise it. "

No. It's good to be able to say you do it, not so good if too many people know .

Dad didn't qualify for that but the lady searched for the best and cheapest deal for his needs

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

^^dad didn't know the right questions to ask or even that he could negotiate so it's worth a call

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By (user no longer on site)
over a year ago

Marry a millionaire, preferably one that's on his way out!

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By *ad boy maverickMan
over a year ago

basildon


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?"

Yep. You have to be careful with shower heads too if not used everyday. They need emptying to stop legion Ella.

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By *ad boy maverickMan
over a year ago

basildon

Would be good if you had a heating loop in the oven connected to central heating system. Heat the house while cooking dinner

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By *emorefridaCouple
over a year ago

La la land


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?

Légionnaires disease was the one I was thinking of. 60°c is ideal apparently "

Main concern is if the shower hasn't been used for several weeks. Allowing for the bacteria to grow in the stagnant ambient temperature water. Flush the shower if you've been on your holidays and you should be ok.

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By (user no longer on site)
over a year ago

Get a water meter and use next door's hot tub

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By *irthandgirthMan
over a year ago

Camberley occasionally doncaster

Delete all your ubereats/deliveroo type apps. Costs people a bloody fortune.

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By (user no longer on site)
over a year ago

amputate your legs.

less body mass to heat so saves money

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By *ryandseeMan
over a year ago

Yorkshire


"Delete all your ubereats/deliveroo type apps. Costs people a bloody fortune."

Apart from the odd fish supper, I avlid any kind of takeaway. Fresh is best with a little treat every so often

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By (user no longer on site)
over a year ago


"So iv just found out if you are a single person household and can't have a water meter fitted you can apply for a discount on your water rate plus if your income is under 16,000 per year you can ask to go on the low earner rate. Also many broadband companies have a low earners rate too. Iv just heard this on the radio and had no idea because these companies don't shout about it but may help some of you. Anyone else got any things like this that are worth looking in to?"

Incorrect, I’m a single person with a water meter.

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By *ornLordMan
over a year ago

Wiltshire and London


"Delete all your ubereats/deliveroo type apps. Costs people a bloody fortune."

If I ran a car I wouldn't bother with these at all. Not running a car saves a fortune.

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By *ockey64Man
over a year ago

Gloucester


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months "
I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First

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By (user no longer on site) OP   
over a year ago


"So iv just found out if you are a single person household and can't have a water meter fitted you can apply for a discount on your water rate plus if your income is under 16,000 per year you can ask to go on the low earner rate. Also many broadband companies have a low earners rate too. Iv just heard this on the radio and had no idea because these companies don't shout about it but may help some of you. Anyone else got any things like this that are worth looking in to?

Incorrect, I’m a single person with a water meter. "

If you had read it properly you would understand it isn't incorrect. It says if you are a single person and can't have a metre as not all properties are suitable.

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By *emorefridaCouple
over a year ago

La la land


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First "

Can get electric throws now which aren't rigid like the bed ones.

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By (user no longer on site)
over a year ago


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First

Can get electric throws now which aren't rigid like the bed ones. "

Ooh. I will have a look.

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By *emorefridaCouple
over a year ago

La la land


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First

Can get electric throws now which aren't rigid like the bed ones.

Ooh. I will have a look. "

They are awesome, have one to sit on the sofa in winter. Saves me putting the heating on. Cover with an extra normal blanket to trap the heat in.

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By *ryandseeMan
over a year ago

Yorkshire


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First

Can get electric throws now which aren't rigid like the bed ones.

Ooh. I will have a look.

They are awesome, have one to sit on the sofa in winter. Saves me putting the heating on. Cover with an extra normal blanket to trap the heat in. "

You can even get them a cosy blanket you wear with sleeves

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

[Removed by poster at 10/08/22 15:55:00]

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By *unguyfortiesMan
over a year ago

north east

Download tooGoodToGo app - shops, cafes sell food packages off cheaper towards the close of business.

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By (user no longer on site)
over a year ago


"Buy an electric blanket, cheap to sit on that, than putting the heating on in the coming winter months I wouldn’t sit on an electric blanket. Will cause the wires to break and short etc. fire hazard. They are designed to lay flat on a bed , and used to preheat. Always switch off before you get into bed. Safety First

Can get electric throws now which aren't rigid like the bed ones.

Ooh. I will have a look.

They are awesome, have one to sit on the sofa in winter. Saves me putting the heating on. Cover with an extra normal blanket to trap the heat in. "

They look great. I just need 5.

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By *inky_couple2020Couple
over a year ago

North West


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?

Légionnaires disease was the one I was thinking of. 60°c is ideal apparently

Main concern is if the shower hasn't been used for several weeks. Allowing for the bacteria to grow in the stagnant ambient temperature water. Flush the shower if you've been on your holidays and you should be ok. "

The bacteria that cause Legionnaires survive below 45°C. Water must be stored at 60°C and distributed at a temperature above 50°C. So, people should not change the temperature on their combi boiler or water tanks to be lower than these temperatures.

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By (user no longer on site)
over a year ago

Get yourself on the beermoneyuk subreddit, lots of free stuff

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By *imi_RougeWoman
over a year ago

Portsmouth


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?

Légionnaires disease was the one I was thinking of. 60°c is ideal apparently "

Only the old fashioned immersion heaters need that

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By *dventurous biMan
over a year ago

tesside

Drive economically. Less accelerator, less braking equals less petrol used.

I did a 400 mile drive a few weeks back. About 240 on dual carriageway/Motorway and the rest on A roads or worse.

I didn’t rush, stayed below 70mph throughout but averaged 60.

63.1mpg from a fairly normal mid-sized car. My long term average is 45.5mpg. So that journey was significantly cheaper.

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By *imi_RougeWoman
over a year ago

Portsmouth


"Delete all your ubereats/deliveroo type apps. Costs people a bloody fortune."

Sometimes it's actually cheaper to order groceries with the discounts they give you. It worked out cheaper for me to use Uber eats to order some stuff from Sainsbury's rather than walking the 2 minutes to the shop, 40% off.

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By *imi_RougeWoman
over a year ago

Portsmouth

Cashback apps are really good! Top cashback and airtime rewards are 2 of the ones I use.

Also receipt scanning to earn points/vouchers.

See if there's a community larder near by.

Sign up for supermarket loyalty cards, check your Tesco club points... My parents had 32 quids worth on theirs! So we bought rail cards, more money saving...

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By *emorefridaCouple
over a year ago

La la land


"Only have the hot water temperature at enough to touch so you have no need to use cold water as a mix it's sensible and saves money and water which is important

Isn't there a certain temperature that it's supposed to be at to prevent some kinds of bacteria?

Légionnaires disease was the one I was thinking of. 60°c is ideal apparently

Main concern is if the shower hasn't been used for several weeks. Allowing for the bacteria to grow in the stagnant ambient temperature water. Flush the shower if you've been on your holidays and you should be ok.

The bacteria that cause Legionnaires survive below 45°C. Water must be stored at 60°C and distributed at a temperature above 50°C. So, people should not change the temperature on their combi boiler or water tanks to be lower than these temperatures. "

It does agreed. The main cause of legionnaire's is stagnant showers that are at ambient temperature, sitting in the shower head and hose. Which is why it has a higher prevalence in August. Even if your boiler/tanks are kept above those temps. It's always a good idea to flush showers through if you've been away on holidays, especially in heatwaves like we have now.

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