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Counting the pennies

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

The thread about colouring hair at home instead of the expense of hairdressers got me thinking. In these times of rising prices what 'indulgences' have you stopped buying to save the pennies?

I used to buy fresh flowers every week, expensive fruit juices, bottled sparkling water and department store cosmetics. Gonna be a rare treat now these days

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

yeah im not a home hair dye kinda girl, where as before i was in the salon.

Not sure if thats down to having a child or budgeting because of the resession etc

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By *atisfy janeWoman
over a year ago

Torquay

I went to a Chamber of Commerce meeting last week and it was interesting talking to many other shopkeepers just what people have stopped buying or cutting down on...

Luxury goods like expensive and designer clothing are being hit bad, jewellery is in serious trouble as not only is it a pure luxury, but rising gold and silver prices are making the situation intolerable for many independent jewellers....

People are staying in more instead of eating out or drinking out, so Off Sales of booze are rising, the lady at the Asda pizza counter told me the other night they have never sold so many bake at home fresh pizzas.

Sky are selling satellite packages at their fastest rate for Five years, so I would imagine that cinemas are struggling.

The shop trades relatively unaffected at the moment seem to be the ones that sell small items that people can buy themselves as treats, probably to make themselves feel better during these hard times....fortunately my choc shop comes into this category so I am keeping my fingers crossed.

Oh....Lottery sales are rising fast according to my local newsagent, everyone wants to win a bit of money to escape hard times I suppose!

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

I went back to uni just as the recession, or credit crunch as it was back then, was starting.

So I had to adjust my spending regardless of the recession, but one thing living on a tighter budget has taught me is that I used to spend a lot of money on crap I didn't actually need.

I now spend money on stuff that I need or to go out and enjoy myself rather than buying junk.

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

We`ve cut back on everything to be honest ....I used to but alot of ready meals that suited our busy social life ....and would spend on luxury items without a thought ..

Thats taken a hit ..we don`t travel all over the place dancing so much ....thats a real pain ..the upshot is were reading more ..

And I don`t buy any ready meals ...shop around now fer fresh stuff ...that includes the bargain bin ....the upshot is we`re enjoying cooking again ...abit healthier I dare say ...

Its a simpler life ...mabye fer the better ....living to our needs and not our wants et al ...

Tho theres some stress as well ....I`m thinking of claiming benefit ...2 months without work is draining my savings ....thats a measure of last resort...

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


"..........

Luxury goods like expensive and designer clothing are being hit bad, jewellery is in serious trouble as not only is it a pure luxury, but rising gold and silver prices are making the situation intolerable for many independent jewellers....

.............."

Most of the retail/ working jewellers in Glasgow city centre operate from one covered arcade and, if appearances are anything to go by, it's never been busier.

Not just people window shopping but they're actually in and out of the shops and wandering about with those little gift bags on string handles. Obviously there's no way of knowing the value of the contents but there's business being done.

One side effect of the rising precious metal prices and the 'we buy your old gold' dealers is that there's a lot more good quality second hand jewellery in many of the shops than ever before. No bad thing.

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

I nearly invested £ 10,000 in gold shares 2 years ago ....I got cold feet....damn ! damn ! damn!...

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By *atisfy janeWoman
over a year ago

Torquay


"..........

Luxury goods like expensive and designer clothing are being hit bad, jewellery is in serious trouble as not only is it a pure luxury, but rising gold and silver prices are making the situation intolerable for many independent jewellers....

..............

Most of the retail/ working jewellers in Glasgow city centre operate from one covered arcade and, if appearances are anything to go by, it's never been busier.

Not just people window shopping but they're actually in and out of the shops and wandering about with those little gift bags on string handles. Obviously there's no way of knowing the value of the contents but there's business being done.

One side effect of the rising precious metal prices and the 'we buy your old gold' dealers is that there's a lot more good quality second hand jewellery in many of the shops than ever before. No bad thing."

The two jewellers I spoke to the other evening told me that most of their business at the moment is repairs, cleaning....and buying gold.

One of them in particular was a really sad case, a family run jewellers for over 80 years, was going ok until Argos opened down the road from them. Their turnover has dropped by more than half.

Apparantly Argos is now the biggest retailer of jewellery in the UK....that aurprised me

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

I won't buy jewellery in this country, as I can get better ones for less money imported, even after taking the import tax and shipping charges into account.

I don't really need anything for my house or hobbies/past times.

Don't follow fashion as such, so I would only shop for replacement purposes rather than to keep up with trends.

I am less inclined to drive long distances for meets. Hence I have booked rooms at Travelodges near home so that peeps can come to me instead.

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

we find we are having to cut back on alot of things at the mo for us the price of fuel is making us have to tighten our belts on everything else public transport is jst to expensive and unreliable.

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By *arambarMan
over a year ago

swindon

I am starting to consider whether my petrol-loving car should be replaced with something a bit more economical and boring.

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By *im halpertMan
over a year ago

redditch

god where do I start lol..no foreign holidays for a while,keeping a tally of what I spend each month....used to have a couple takeaways a week ,thats stopped...shopping at bull ring markets for fresh produce way cheaper than shops and have grown my own veg for a couple years...and have become a voucher queen

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By *andy muncherMan
over a year ago

Nottingham

every time i look in the reduced section in tescos or asda nothing there or im too late there was a que one sunday afternoon thats showing its starting to get bad

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By *atisfy janeWoman
over a year ago

Torquay

I popped into Lidl's on the way home from work last night to pick up some of their Jar cherries (can't get them anywhere else).....it was packed out!

I think that is a very strong indication that shopping habits are changing.

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

Am sat here on my bed using a home hair colour kit whilst its doing its thing, have done for years. Being a single mum have a tight budget anyways but also try and buy items that are on offer especially cereals, as they can be so expensive and laundry detergent. And with diesel the price it is just stick to £20 a week and stay home a lot too, but do confess to a mini spend in tk maxx on some tops for myself which is so rare and felt guilty, but they will last a long time.

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By *thwalescplCouple
over a year ago

brecon

The head of the Bank of England (Mervin someone?) says our lifestyles may NEVER recover from this hit, and he is amazed that we (the British public) are being so calm about it.

Truthfully tho, apart from cutting aid to countries that have a space program and nuclear weapons (I still cant figure out how come they need OUR help?), I dont think there is a huge amount we can do. There is only so much money to go around, and although there are savings to be made, the actual amounts when put up against the shortfalls are but a drop in a bucket.

As a family, we have always been prudent, although we have been a little more extravagant (meals out, the odd visit to the cinema etc)recently due to both of us being lucky enough to have fairly secure reasonably well paid jobs. Luckily we dont smoke or drink much, and the only real luxury is our trips to Cardiff etc for socials, parties and playing lol!

We are being carefull though, so that we can have days out etc, and we do this by buying in bulk on offers, and raiding our local Aldi's etc.

Mind you, if the cost of fuel keeps going up, I do think we should adopt a more "french" attitude and let the government know in no uncertain terms that we aint having it!

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

One thing i dont scrimp on is meat or poultry.

Rather pay from a decent butcher/farm shop for quality rather than quantity.

And make it go further with a good recipe.

I have enough tinned food here to feed the five thousand so wont need to buy till about xmas. re tinned pulses and toms.

So my weekly shop is normally for fresh veg and milk etc.

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

Dont you just love aldi lol and have'nt bought labelled goods for years shop brands are just as good or skint week the economy ranges. Or I go shopping late at night and get everything reduces cuts my shopping by half.

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

we sort of shop around morrisons asda ect.

but you dont get as much as you got last year prices have gone sky high

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By *andy muncherMan
over a year ago

Nottingham


"One thing i dont scrimp on is meat or poultry.

Rather pay from a decent butcher/farm shop for quality rather than quantity.

And make it go further with a good recipe.

I have enough tinned food here to feed the five thousand so wont need to buy till about xmas. re tinned pulses and toms.

So my weekly shop is normally for fresh veg and milk etc. "

Well for me i buy my meat from the asian butchers half the price of all supermarkets and just been the bullring markets and have fill up my freezer for a tenner

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

I must admit I'm not going out as often as I used to and I'd rather watch a film on sky then the pictures as it's so damn expensive. I used to be the sort that threw stuff away now I repair now and I'm loving the charity shops. My main pain is petrol prices. I've a 1.6 car and it's eating money.

So now looking for a nice 1.1 car brought the autotrader today but those cars are scarce as everyone wants them.

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By *andy muncherMan
over a year ago

Nottingham


"I must admit I'm not going out as often as I used to and I'd rather watch a film on sky then the pictures as it's so damn expensive. I used to be the sort that threw stuff away now I repair now and I'm loving the charity shops. My main pain is petrol prices. I've a 1.6 car and it's eating money.

So now looking for a nice 1.1 car brought the autotrader today but those cars are scarce as everyone wants them. "

Have a look at this site see film first ive been watch a few fims in the last cpl months you cant go wrong going to the pictures for noting just register

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


"I must admit I'm not going out as often as I used to and I'd rather watch a film on sky then the pictures as it's so damn expensive. I used to be the sort that threw stuff away now I repair now and I'm loving the charity shops. My main pain is petrol prices. I've a 1.6 car and it's eating money.

So now looking for a nice 1.1 car brought the autotrader today but those cars are scarce as everyone wants them. "

I love going to the flicks and go on orange wednesday with my mate so its really cheap ..

And we have the premium seats too

But learnt my lesson and will now go without a snack or take summat with me.

Its those that cost to much

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By *atisfy janeWoman
over a year ago

Torquay


"The head of the Bank of England (Mervin someone?) says our lifestyles may NEVER recover from this hit, and he is amazed that we (the British public) are being so calm about it.

Truthfully tho, apart from cutting aid to countries that have a space program and nuclear weapons (I still cant figure out how come they need OUR help?), I dont think there is a huge amount we can do. There is only so much money to go around, and although there are savings to be made, the actual amounts when put up against the shortfalls are but a drop in a bucket.

As a family, we have always been prudent, although we have been a little more extravagant (meals out, the odd visit to the cinema etc)recently due to both of us being lucky enough to have fairly secure reasonably well paid jobs. Luckily we dont smoke or drink much, and the only real luxury is our trips to Cardiff etc for socials, parties and playing lol!

We are being carefull though, so that we can have days out etc, and we do this by buying in bulk on offers, and raiding our local Aldi's etc.

Mind you, if the cost of fuel keeps going up, I do think we should adopt a more "french" attitude and let the government know in no uncertain terms that we aint having it!"

My son came back from Brittany this week as he has been out there house hunting, he said unleaded petrol was actually more expensive over there at around 1.60 Euros a litre (£1.38).

So all that famous French protesting has acheived....Nothing

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

Used to spend £100 a week on cabs. £80 a month travel card takes me where I need to go.

Used to have three Starbucks a day, now drink free cappuccino from work: same difference.

Stopped weekly take away do it at home for fraction of the price.

Stopped spending £100 a month at hairdressers, now go every other month.

Shopping has changed: more store brands and have it delivered. If I go in store I'm distracted by offers, spend twice what I intended and £5 for cab. Order on line you order what you need, £3.50 delivery and they bring shopping into your kitchen.

Paying an additional £250 a month for my daughter's travel to and from uni in Derby hasn't helped.

Have to admit it's strange counting the pennies. Not had to do that in 30 years!

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By *atisfy janeWoman
over a year ago

Torquay


"

Have to admit it's strange counting the pennies. Not had to do that in 30 years! "

Strangely enough that coincides with the beginning of the Thatcher reign....

Son of Thatcher seems to living up to Mummies teachings

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

Gotta admit that doing ya weekly shop online does save you money.

You are not distracted and think...oooo look at that or yumyum...we will have them.

Do ya list and stick to it.

I use tesco and also get money back every month and petrol vouchers etc.

Loads saved too .

Used to have asda but their delivery service and customer service is crap if things go wrong.

Tesco spot on

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

I can honestly say I've not been this hard up since I was a student. How sad is that.

I have my once a week treat last night was some steak and some merlot. I've also cut back on fags which is a good thing. Now prescriptions are going up 20p you can't afford to even be ill these days.

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


"I can honestly say I've not been this hard up since I was a student. How sad is that.

I have my once a week treat last night was some steak and some merlot. I've also cut back on fags which is a good thing. Now prescriptions are going up 20p you can't afford to even be ill these days. "

Think that's the reality for most of us now. When I got married 30 years ago we didn't have much money and lived in a small flat furnished with odds and ends from our parents home.

Fast forward 30 years, live in a three storey house in a nice part of London, earn a very good salary and having to watch the pennies.

Lord knows how people with young children and a third of my income manage nowadays!

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

On radio 2 a women with a child called in to say she was struggling. She as gone 5 days without food so she can feed her child. All her money goes on her morgage as she as to wait 13 weeks for benefit to help her morgage. She was feeding her child just flour and water as the money she gets go on keeping a roof over her head. Her house was near empty all furniture sold to pay bills. She as worked all her life and was laid off.

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By *andy muncherMan
over a year ago

Nottingham

And i see in six months to a year interest rates rising how many people will be forced on to the streets its a coming just you wait

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


"On radio 2 a women with a child called in to say she was struggling. She as gone 5 days without food so she can feed her child. All her money goes on her morgage as she as to wait 13 weeks for benefit to help her morgage. She was feeding her child just flour and water as the money she gets go on keeping a roof over her head. Her house was near empty all furniture sold to pay bills. She as worked all her life and was laid off.

"

That is so sad. Thing is if you work and fall on hard times there's little help for you until you pass certain qualifying periods. Don't bother to work and it's a completely different story it seems.

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By *atisfy janeWoman
over a year ago

Torquay

That will be right up the Tories street....rising interest rates means thousands if not tens of thousands of mortgages in default.....All that lovely cheap auction property for the wealthy to snap up.

The last time that happened London's biggest property landlord, the Duke of Westminster, brought hundreds of house and flats in London from auctions....helping him massively increase both his property portfolio and his enormous bank balance.

Deja Vu?

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By *andy muncherMan
over a year ago

Nottingham


"That will be right up the Tories street....rising interest rates means thousands if not tens of thousands of mortgages in default.....All that lovely cheap auction property for the wealthy to snap up.

The last time that happened London's biggest property landlord, the Duke of Westminster, brought hundreds of house and flats in London from auctions....helping him massively increase both his property portfolio and his enormous bank balance.

Deja Vu?

"

Its the nineties all over again and negative equity people have got such short memories and who was in power and did they care

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

Thank you for the posts on the thread - it made interesting reading and yes we are all in the same boat with less disposable income.

One thing my neighbour and I have been doing is 'oven sharing'. If she is cooking she asks me if I want to cook anything at same time and vice versa. Also when shopping me and the kids ring each other up and discuss the two for one offers etc and share the cost of any bargains we come across.

I always used to make the meals when we had get togethers and now I ask for eveyone to contribute - sounds mean but its nice when everyone turns up with something as there's the surprise element. Even though mine have long fled the nest we are spending more time together as a family in the evenings and weekends now and make our own entertainment which has been really good fun of late.

It really does make you aware and as a few of you said counting the pennies makes you think about all of the unnecessary crap you used to spend money on too.

I do think we need the odd treat though because it can get really depressing without the consumer buzz. I think we're taking it calmly as one poster put it because deep down we realise we've overspent in the past and are taking the consequences on the chin.

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

Very occassionally I wish I do not have my dog, as he costs me a small fortune in dog-walking and kennel fees.

However, he brings so much joy to my life, he is worth it!

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By *imal75Man
over a year ago

Wolverhampton

aawwwww thats nice Pear Necklace, Nice to know there is a posative in this thread.

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

if you want to save money check out martin lewis web site we have cut back on most things

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


"Thank you for the posts on the thread - it made interesting reading and yes we are all in the same boat with less disposable income.

One thing my neighbour and I have been doing is 'oven sharing'. If she is cooking she asks me if I want to cook anything at same time and vice versa. Also when shopping me and the kids ring each other up and discuss the two for one offers etc and share the cost of any bargains we come across.

I always used to make the meals when we had get togethers and now I ask for eveyone to contribute - sounds mean but its nice when everyone turns up with something as there's the surprise element. Even though mine have long fled the nest we are spending more time together as a family in the evenings and weekends now and make our own entertainment which has been really good fun of late.

It really does make you aware and as a few of you said counting the pennies makes you think about all of the unnecessary crap you used to spend money on too.

I do think we need the odd treat though because it can get really depressing without the consumer buzz. I think we're taking it calmly as one poster put it because deep down we realise we've overspent in the past and are taking the consequences on the chin."

Some good ideas there. love the oven sharing bit but it wouldnt happen with my neighbours...

Besides, me oven aint big enough for them...= 8 + 50.000 cats and dogs...

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

Since I came back to the UK I have been thrifty as it was a new start for me. I probably shop less now and go for a country walk instead. Oh and I have started mending things too.

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

Still love me tropican tho

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


"Thank you for the posts on the thread - it made interesting reading and yes we are all in the same boat with less disposable income.

One thing my neighbour and I have been doing is 'oven sharing'. If she is cooking she asks me if I want to cook anything at same time and vice versa. Also when shopping me and the kids ring each other up and discuss the two for one offers etc and share the cost of any bargains we come across.

I always used to make the meals when we had get togethers and now I ask for eveyone to contribute - sounds mean but its nice when everyone turns up with something as there's the surprise element. Even though mine have long fled the nest we are spending more time together as a family in the evenings and weekends now and make our own entertainment which has been really good fun of late.

It really does make you aware and as a few of you said counting the pennies makes you think about all of the unnecessary crap you used to spend money on too.

I do think we need the odd treat though because it can get really depressing without the consumer buzz. I think we're taking it calmly as one poster put it because deep down we realise we've overspent in the past and are taking the consequences on the chin.

Some good ideas there. love the oven sharing bit but it wouldnt happen with my neighbours...

Besides, me oven aint big enough for them...= 8 + 50.000 cats and dogs... "

Ive never cooked cat's and dogs - do they taste like chicken?

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

Never had a dodgy Chinese takeaway chances are it's cat and dog lol

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


"Never had a dodgy Chinese takeaway chances are it's cat and dog lol"

.

I hope you said that with your tongue firmly in your cheek!

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

I did Pearl it was a joke

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


"I did Pearl it was a joke "

.

Mine you, it is well known the Chinese (and other orientals) eat anything that moves, including domestic cats and dogs in Mainland China!

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

That's true they treat it as food the same we do pigs and cows trouble with the chinese it's how they treat them and kill them. They are know to boil them alive as it's better flavour. Least we have the RSPCA they don't on countries like that to moniter it.

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

One thing I've enjoyed is binning off the gym membership.

Out for a brisk walk or cycle and loving every minute of not paying good money to people who didn't give a stuff about it's customers anyway.

Wish I didn't need gas so I could get rid of the lovely people at British Gas aswell. Wood burner next for me.

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By *lirty and dirtyCouple
over a year ago

ashford


"yeah im not a home hair dye kinda girl, where as before i was in the salon.

Not sure if thats down to having a child or budgeting because of the resession etc "

i have always coloured my own hair, last week i bought a dye in wilkos for 1.50 or there abouts and its the nicest colour ever.

tried using lidls dishwashing tablets as these are well expensive but they were hopeless. tesco are doing bogof so ive stocked up. also stocked up on my washing liquids and comfort as they are on special.

we like to eat out occasionally and if you look online for offers ie maybe pizza hut offers sometimes kids eat free, harvester do a free pudding you just print of the vouchers.

also groupon is a good site you can have massive treats at a third of the price...

i dont buy as many clothes now and wear the ones i bought and hadnt wore lol

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

There's a website called hotukdeals

it tells you what's on offer in all shops and supermarkets great site x

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


"yeah im not a home hair dye kinda girl, where as before i was in the salon.

Not sure if thats down to having a child or budgeting because of the resession etc

i have always coloured my own hair, last week i bought a dye in wilkos for 1.50 or there abouts and its the nicest colour ever.

tried using lidls dishwashing tablets as these are well expensive but they were hopeless. tesco are doing bogof so ive stocked up. also stocked up on my washing liquids and comfort as they are on special.

we like to eat out occasionally and if you look online for offers ie maybe pizza hut offers sometimes kids eat free, harvester do a free pudding you just print of the vouchers.

also groupon is a good site you can have massive treats at a third of the price...

i dont buy as many clothes now and wear the ones i bought and hadnt wore lol "

I like watching good ol Wok he does have some great fashion fixes for reycling and reinventing clothes.

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


"yeah im not a home hair dye kinda girl, where as before i was in the salon.

Not sure if thats down to having a child or budgeting because of the resession etc

i have always coloured my own hair, last week i bought a dye in wilkos for 1.50 or there abouts and its the nicest colour ever.

tried using lidls dishwashing tablets as these are well expensive but they were hopeless. tesco are doing bogof so ive stocked up. also stocked up on my washing liquids and comfort as they are on special.

we like to eat out occasionally and if you look online for offers ie maybe pizza hut offers sometimes kids eat free, harvester do a free pudding you just print of the vouchers.

also groupon is a good site you can have massive treats at a third of the price...

i dont buy as many clothes now and wear the ones i bought and hadnt wore lol

I like watching good ol Wok he does have some great fashion fixes for reycling and reinventing clothes."

ha ha sorry Gok

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