Quote:
Originally Posted by 1andrew1
And don't forget that a £ saved is worth more than a £ earned. A £ earned is probably worth less than 70p once tax and national insurance are taken into account!
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Totally agree. The past 14 months have been a real eye opener for me. It's amazing what a few simple changes can achieve, if you can be bothered. My wife was made redundant last year, and was out of work for a few months. We made a few simple changes and realized we could get bye on one salary if need be. With my wife returning to work we have continued to be frugal. We've never had so much disposable income available. We're going out more often, going away on breaks more often, eating better, saving more each month and putting more than ever away for the future. In general our life is so much better thanks to a few painless changes. For example:
* Switching TV provider - Saving £62.00 per month
* Switching from mobile contract to SIM only contract - Saving £22.00 per month
* Switching car insurance provider - Saving £20.00 per month
* Switching electricity provider - Saving £18.00 per month
* Switching home insurance provider - Saving £8.00 per month
* Stopped buying a newspaper every day - Saving £13.00 per month
* Buying toiletries and cleaning products from shops like B&M and Poundland instead of my local Sainsburys - Saving £15.00 per month
* Fueling up at my local ASDA instead of BP - Saving £15.00 per month
* Cancelled my overdraft facility and changed bank account type - Saving £15.00 per month
* Cancelled Netflix. Now using my brothers account in exchange for him using my SKY Go account - Saving £6.00 per month
Those simple changes are saving me £194.00 per month, which is £2328.00 extra in my pocket per year. Okay I've went off topic however it's just to show that loyalty to a brand, product or the provider of a service isn't always in your best interest. Ironically my two largest savings, TV and mobile, have been as a result of moving my services away from Virgin Media.