Consider these tips for saving money:

* Make your own lunch - lunches can cost upwards from $8 to $20 (or if you go to one of the swankier restaurants in the city, $35-$50). Bringing your own lunch in a container ensures you have nutritional food every day - especially if your partner is a good cook!! :-)

* Make huge meals and freeze them. I have mentioned this in my posts on Baccarat cookware. The 8L dutch oven can make enough food for a week, sometimes more. It works particularly well on the nights you can't be bothered cooking!!

* Replace every single light in your house with compact fluorescent light bulbs. It will be a bit more expensive at the beginning, but you will thank yourself when your new, smaller energy bills come in.















* Direct your efforts to paying off your credit card or credit cards. Once these are paid off, lower your limit so you don't get in trouble again. If the bank offers you a higher credit limit, say "NO".

* Say "NO" to 24 months easy finance on home goods, store cards, special rewards credit cards, extra personal loans and refinancing mortgages. If you don't have the right advice, refinancing can be devastating. Stop taking out loans. If you are unable to do this, you may have a problem. Seek advice, legal and personal. A compulsion to take out loans can be as damaging as a gambling problem.

* Try to save a small amount each week or month. Try not to touch it and see what happens. You can find a number of good accounts with the main banks - see if you can find a savings account with interest around the 7% mark.

* If you already own your own home, consider installing solar panels. You may be eligible for the solar panel rebate, as discussed on SolarGen's website. The outlay can be expensive but the rebate, plus the decades of free solar power will take the sting out of this purchase.

* Have a cooling off period of 1 day for each purchase you are considering. It will give you time to prioritise and decide whether you absolutely positively need this purchase right now. This is advice I personally follow. If not, I would have so much questionably useful stuff from Ebay and no time to use it.

Until next time, happy shopping and saving!!

technorati tags: shopping saving money

I have become aware of a number of TV programs like "A Current Affair" that are uncovering the discrepancies in grocery prices across Australia. Strangely enough (for those of us naive enough to think all animals are equal*) many of the wealthier suburbs enjoy a better range and cheaper prices for groceries. So if it isn't bad enough for these people to live in a crap part of town, the chain grocery stores further insult them by displaying mouldy tomatoes and charging $7 a kilo.


Tips for saving on groceries:

1. Buy in bulk. If you are constantly buying 50g containers of coffee, why not invest in a 500g or 1kg tin? I tried this once (before I gave up coffee!!) and the tin lasted about six months. When you think of how many 50g tins you would have to buy in that timeframe, you realise the saving.










2. Junk mail is a scourge that should be wiped out however a Coles or Safeway advertising mag can save quite a bit of money if you plan ahead. You can find the specials and buy accordingly when convenient.


3. Shop at local markets and grocers. Not only will you often save money and find better quality, you will also be supporting local businesses. Local grocers often have a better organic range of vegetables for half the price you would pay in the supermarkets.

(click to enlarge)



















After all, where else would you get to buy "wedding sausage"? ....*holds in double entendre compulsion* ... too many jokes....


4. Try shopping on your way home, or near your work. As mentioned earlier, sometimes the prices can vary greatly between suburbs. You may be able to make significant savings on various items.


6. Lay off on buying meat. I do not say this because I am a militant vegetarian (I'm not!!) This weekend I watched a Victorian news story featuring the large chain stores and how traces of metal have recently been found in various meats. Unless you think you don't have enough iron in your diet, steer clear for a while.

technorati tags: grocery shopping save money

*"Animal Farm" - George Orwell

The following scenario took place yesterday in the park, early in the evening. My Partner was practicing golf, I had finished my walk and we were seated at a picnic table. Soon we were joined by The Dad and The Daughter.

The Dad: Hi guys, what's happening?

My Partner: Just practising some golf..

Me: Making the most of daylight saving...

The Daughter runs out and circles our picnic table, stopping in front of me.

The Daughter: I'm NINETYSIX!!

Me: Wow, you don't have any wrinkles or anything. Are you sure you're not six?

The Daughter: He doesn't have any wrinkles (runs to The Dad and points)

Me (to My Partner): That's so cute.

The Dad: Hey is The Simpsons actually drawn or is it that computer animation thing?

The Daughter: Homer has three hairs!

Me: I think they have animation cells so they probably draw it. They've got that exhibition...

The Daughter (grabbing The Dad's shirtsleeve): HE's got no hair like Homer Simpson!

(Awkward pause)

The Dad: So did you see that movie "American Beauty" last night?

My Partner: We watched a bit of it.

The Dad: Me too. But I fell asleep just as Kevin Spacey is getting shot in the head...

Me: How can you fall asleep in that part?

The Daughter: But he's HAIRY!! Here, here, here and here (pointing to various body parts)

My Partner: We saw Ratatouille as well.

The Dad: Haven't seen that one.

Me: It made me want to cook something, probably Ratatouille.

The Dad: What's it about?

Me: It's about a rat who wants to be a chef.

My Partner: It's really good.

The Daughter: ...AND HE'S GOT MAN BOOBS!!!

(Stunned silence)

The Dad (ignoring The Daughter): I think I'll rent the DVD out.

The Daughter: BIG HAIRY MAN BOOBS!!!

My Partner: Why don't you try a couple of shots (hands The Dad a golf club)

The Daughter: My mum hasn't got man boobs, she ran out of milk so she can't breastfeed my brother!

(Oh My God)

The Dad: (Loudly) Here, let me have a go.

The Dad hits a couple of shots.

My Partner: Mate, you don't have man boobs...

Me: (stifling giggles)

The Daughter: Little kids get man boobs too.
...but not as big as DAD'S BIG MAN BOOBS!!

The Dad: Hang on a second, we've got to stop this. Where did you hear about man boobs?

The Daughter: (pointing) From you!

The Dad: Really?

The Daughter: (proudly) Yep.

The Dad: Aha.

technorati tags: general