Ditto, we insure our two cars (fully comp, NCD protected etc etc) for around £100 each after cashback, and pay about the same for our house insurance. We usually swap insurers to get the cash-back or sometimes if the existing insurer is the lowest cancel last thing at night and rejoin as a new customer the next morning. We also use a cheap breakdown service, Autoaid covers both our cars at home and any other car we happen to be in, for just £37. Although it's cheap the service is excellent, last time I broke down just before Christmas they were with me in less than an hour. Being insurance based you need the cash to pay for the recovery then claim it back via an online form, there's never any quibbles.
Save? Never figured how to do that :( with banks lending £10 for every £1 someone deposits why would I deposit instead of borrow? I expect there is a flaw in my argument somewhere
Don't you pull out all the nails first then spend ages straightening them so they can be re-used? - that what my Father-in-law used to do.
Occasionally, and use them to nail multiple layers of staggered pallet slats together to make long lengths of sizes such as 70 x 90mm. Another food money saving method is the reduced item/multiple coupon method. Whenever Tesco send vouchers for all our accounts (the main ones get sent less spend and save vouchers than used little/irregularly) we check to see what can be combined, and one of our favourites is the likes of £1.50 off when you spend £5 at the cheese counter because very often we also have 50 points (worth 2x on double up, 3x for T&M vouchers, hols, etc.) when you spend £5 at the cheese counter and these can be combined to get £2.50 off £5 (assuming double up). Then we start checking out the chiller reduction cabinet for half price reduced cheese, not excessively expensive stuff, but around £7 - £8/Kg at full price, so £1.75 to £2/Kg after vouchers, and even cheaper if part of a larger shop using spend and save vouchers. I've used the plural because it usually works using 2 if one is a printed one sent through the post and the other has been printed out at the till (AKA till split). Using 'double points, competition entries, etc. help prevent the Sales Assistant from noticing and possibly rejecting using multiples. Avoid SA's who have rejected stuff in the past. Young weekend staff will very often be the best bet. We've only managed one such shop this week, but on occasions we've found a whole delivery type tray full of half price cheese in the chiller, put the lot in our trolley and then got through making up £5 batches and taking it in turns to go through the tills whilst the other looks after the trolley. Most cheeses freeze OK (but not Edam and Brie for example) and grating prior to freezing is a good idea. Another example of this we regularly use is with the fish counter, where sometimes we get to use a 3rd coupon for things like £1 off when you spend £4 on Bass fillets, getting £10's worth of Bass fillets down to £1.50. The remainder of this week's cheese shop, Cheddar at £1.62 and Dutch Smoked Log at £1.75/Kg after vouchers. Breakfast today, homemade Paneer (made from 'paid to take away' milk from Waitrose) on toast (2 slices from a 39p reduced loaf), overall cost about NIL. Lunch will be a jacket potato and salad, cost about 15p. Dinner is going to be Mackerel Pasta (serves 2) made using a large can (over twice a standard tin of tuna) at 75p reduced can of mackerel in tomato sauce (cleared the shelf of them at Morrisons as it works out at less than half the price of the cheapest Tuna), cheap Lidl onions (we bought a few sacks when really cheap), mushrooms reduced to 39p, courgettes from Morrisons when they were 3 in a pack @ 3 packs for £1.50, a tin of Napolina tinned tomatoes (pack of 4 for 99p from B&M, once again we cleared the shelf), value pasta and some 75% off cheese. Should work out at about 85p each.
Do you also check out cashback for breakdown service providers? I sometimes have to balance cost with cashback as some Topcashback amounts will be too high to permit me to convert them into Clubcard Points (£50 max in 12 month period) with a 10% bonus and then double up or exchange for 3x T&M vouchers, or money off hols). As an example, rather than a recommendation http://www.topcashback.co.uk/green_flag/ And there's lots more http://www.topcashback.co.uk/search/merchants/?s=AA+UK+Breakdown Then you need to compare which is best for you, using Clubcard Vouchers to buy RAC membership vs paying cash but acquiring Topcashback which can be converted into points and may be more beneficial if attempting to pay for a holiday entirely with points (I love calculations like that). @JWK Would GreenFlag work out cheaper than Autoaid taking account of each £1 in topcashback from GreenFlag being worth £3.30 to spend at T&M or on hols? (If you've gone above the £50 limit, you simply recommend another 'name' at your address that you've created a Tesco Clubcard Account for, and then also get the TCB bonus for recommending them). P.S. GreenFlag cover includes this:
My dad does that. Its a nightmare helping him build or mend anything on his allotment. You go to whack a nail in and you have to sort of steer it in with the hammer, as the nail tries to bend where you never got it exactly straight Saves him buying new nails though, although I have known him do so, very, very occasionally.
@Scrungee, what time do you hit the shops to get these bargains? I've tried it and there's never much on offer when I go.
It varies from shop to shop and town to town (we still do this sort of thing whilst on holiday, we take bargain stuff away and even bring what we buy away back with us), and even then if a stores gets inundated with rude shoppers mobbing staff as they reduce they will change the time. My local Morrisons seems to be about 1 - 2pm for fruit & veg and 3pm for what's in the chiller, but that's the second round of reductions when stuff gets seriously reduced, unlike earlier in the morning when they try just knocking 30p off. These would have been 15p each if we'd been an hour later (but might not have been there). We use them as crunchy salad rather than stir-fry material (bought 2 carrier bags of various stuff at around 75% off). We'd come from a garden centre closing down sale where everything was 75% off.
Oh works in local Asda. He said reductions start coming thru till after six pm. My local co op about ten am.
I think you've got the wrong information there, Kristen, as it should read "with Banks giving Bonuses of £100,000 for every £1 someone deposits".
