Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

January Goals

Looking back at December's goals I didn't do too badly. I visited my Gran and Aunt several times before Christmas, we had a wonderful family Christmas and Midge and I have played with make up, painted our nails and spent time with our colouring books. 
Money wise, I paid off Little A's trip to Plymouth and there's only 1 more payment to make for Midges London trip. I tried out the money app my sister recommended and several others on my phone but they're not for me. Lastly, my personal goals. I enjoyed Christmas, I baked mince pies, raw food cake and a vegan chocolate cake for school so I definitely spent more time in my kitchen. I got up to date with my letter writing and donated a package to the food bank, plus other acts of kindness inspired by my project kindness list.


January's Goals

Family
Plan and give Midge a fantastic 9th birthday
Celebrate Jason's birthday

Money
Pay off Midge's school trip
Complete the first month of my new savings jar
Pay £30 extra on my first debt I'm tackling
Budget for this month and maybe draw up budgets to March

Me
Lose weight gained over festive period
Finish the book I'm reading
Reply to all pen pals

Cupcake Mumma

My Budget Catch Up

The first week of February saw me blog about The Great British Budget and my personal goal of getting my menu and meal planning under control.

I'm pleased say this week we had a £50 big shop budget and it came to £46 which really pleased me! My weekly budget is usually £60 and I just shop in Tesco, usually going slightly over. Because our local tesco is just a small one, I have to send Jay to the larger store after work to collect the other Free From foods I can't buy locally.

Over the past few months we have been experimenting with how we shop and this week sealed the deal on shopping around. I've used Tesco online and couldn't find most of the cheaper value products in the search tools which really annoyed me. Not to mention it costing nearly (or sometimes over) £5 for delivery. We've tried Sainsburys but have really struggled to stay under budget. Asda have a great price for delivery (8 hour slots for £2.50) but a lot of the time I can't check out without first removing at least 3 really common products from my list (children's yogurts!). Then my shopping arrives and I have a list of subs and unavailable items staring me in the face! Totally defeats the idea of shopping online when I have to go out anyway!

So, with this in mind our shopping was done this week in Aldi, Iceland and Tesco for free from bread and cereal and other items which were more expensive in the previously mentions stores.

What also saved us money was getting back to meal planning. I looked in the cupboards and freezer, found an old menu planner in my folder and proceeded to plan!

Friday: Spaghetti and vegetables
Saturday: Pasties and wedges
Sunday: Roast!
Monday: Pasta night
Tuesday: Toad in the hole with mash
Wednesday: Jacket potato with filling of choice
Thursday: Spag Bol

With Most of this coming from the house already, all we needed was the essentials and something extra to make a few treats (like cookies!) and lunch box items.

I used the Money Hub app to help me plan my budget and I have to say I was surprised to see I spend £30 a month on Costa! I've restricted myself to one a week (£12 a month) with a few vouchers I was given I'll be easily meeting my target!




Cupcake Mumma

The Great British Budget Challenge: Are You in?

Lots of people are jumping on board the budgeting ship for February and as I love to save those pennies I'm tagging along too. In fact, I've just become a panel member with The Great British Budget, a campaign to get Britain budgeting effectively to save money for the future (or those things we'd really like sooner rather than..well never!)

The campaign, from Yourwealth.co.uk, hopes to see as many people as possible grab hold of their finances and give them a good look over. I know one area I could make savings in would be my weekly food shop as I'm just totally lazy, so this will be my focus for February's budget challenge. By signing up you'll get emails with hints and tips to help you save money and budget better in many areas. You'll also be able to view the Money Hub where, among other things, you'll be able to get help with setting up a sensible budget for the month.


You can also join in with the February photo challenge on Twitter which is just a bit of fun (that could win you £50 in love2shop vouchers!) Do join in and follow the lovely folks @yourwealthuk on Twitter too. Dont forget to use #GreatBritishBudget when tweeting!

So, who else is up for some budgeting this February? What would you like to save up for? Let me know what you'd like to achieve whilst doing this challenge!


Cupcake Mumma

The Charcoal Challenge- Sunday Fun!

Last Sunday we had such glorious weather that it would've been totally unacceptable not to have been completely British and throw a BBQ in the back garden. We loaded up the boot of my Sister-in-Laws car, strapped the children in and headed to the cousins for a few hours. Thanks to Money supermarket, I was given £50 to come up with a budget BBQ suitable for us all. Here's how we all got on:

I made use of several supermarkets locally; Iceland, Aldi and Tesco. Between the 3 stores I bought all I needed fruit and vegetable wise (apart from my strawberries, grapes and a few other items which came from my green grocer for £3) I also got all the ingredients to whip up a yummy broccoli and tomato quiche, as well as buying the more 'junky' items from my list such as crisps, dips and of course I needed the required meat. 

The Food


I spent £9 in Aldi and £12 in Iceland. It was important to me to have lots of fruit on such a hot, lovely day and the children really went for it. I found the marshmallows in a bargain bin at my local candy store. They were 50p each so a £3 total. 


I purchased my meat from Iceland but not too much as there was a steady supply already in our freezers (If you want to save money, always look at what you can create from your fridge, freezers and cupboards already) I had some salmon already bought from last weeks food shop so took one out of the packaging. I'm the only one who doesn't eat meat but didn't want to miss out on the BBQ experience! I also had a vegetable selection which I mixed together and cooked in foil. I bought a mini disposable BBQ for £1 so I didn't have to share the meat one!  


Drinks from Aldi for 78p went down nicely, especially being cooled in a bucket of ice. I made mini windmills for decoration, what do you think? My sister-in-law took it upon herself to buy some lemons and raspberries and made some delicious pink lemonade. I really recommend having some of this instead of spending money on alcohol which isn't nearly as refreshing!

As you can imagine we had some very full tummies. The spread was very generous and I really think (no wait, I know I got loads for my budget) With the main part of the BBQ done and everyone left to talk, laugh and graze the rest of the spread, we sought out some other BBQ activities.

Face painting!


Ice cream making!


Dairy ice cream at £1.60 (I thought Neapolitan would be a nice change, although normally I would buy value vanilla) Dairy free ice cream £2, cones and chocolate swirls £2. These were extras because I had some left over pennies!

After food, face painting, lots of chatting and laughing, there really was only one thing left to do to finish off this fantastic day:

Water Fight!!


And when it's all said and done, it's time to tidy up. Thanks Little T, what a star! Both babies were very tired after a long, hot day so cuddled up together to watch a bit of Paddington on the iPad. 


We all had such a wonderful time and I think it would be fair to say the BBQ was a completel success! 

CupcakeMumma
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The Math!
Decorations: £12.00 (forks, cups, kebab sticks, decorative pots, plastic coloured bowls,baby jars,napkins and straws)
Corner shop: £1 (mini disposable BBQ)
Aldi: £9
Iceland: £12
Tesco:£5.60
Candy Store: £3.00 (marshmallows)
Green Grocer: £3.00
Total: 45.60


This is our entry for the Charcoal Challenge with Money Supermarket. We received £50 from Money Supermarket to enter the competition which we used to buy the products listed above. We will also be entered into a prize draw to receive £250 to host the ultimate BBQ!!

A Loyal Customer?

I used to fancy myself as a very loyal customer to one big supermarket: Tesco. The main reason I have always been their loyal little shopper week in week out was actually because it was the only store for many years that I was closest to.

Sainsburys opened when I lived out on the sticks but for me they didn't quite live up to the hype surrounding them. Now these two stores are not much different. I have also tried Asda and for me personally, the less said about them the better.

No it has definitely been Tesco from the beginning for me. Especially with their little blue loyalty cards that make you think twice about leaving them. Think of the points! I've used those points at Christmas and various times throughout the year. Mind you the only reason I have so much at Christmas is because I am incredibly underwhelmed at the amount I see written on my leaflet which promises such goodness to be inside. Not much for a 'loyal' customer.

Anyway, I decided I had had enough of Tesco, as I have before but then I began thinking of 'the points' and ran back like a little girl. Now I am a big girl and I will not look at that damn blue piece of plastic and be lured back..Okay i will sometimes after all it's about shopping around.

There is one supermarket I have never paid that much attention to. Not Waitrose nah ah, they're not made for folk like me. I doubt I could afford a *carrot . Nope I'm talking about Morrisons.
On Thursday the Other Half, Little Man and I hopped on a bus, shopping list in hand with a challenge in our minds: Make this supermarket make us smile. Especially at the final bill in my frugal little hand.

First off we were a little peckish. I don't like to do this often as I find supermarkets can be pretty stingy with their portions, have not great tasting food (not because they're often value range, that stuff is just as good) and really lets face it, it's a waste of money. But we had a spare ten pounds, we were all hungry after dropping Little Miss off and catching the earliest bus that we qued up with the rest of them.

How different was this place? The atmosphere was so much calmer despite there being just as many people being in the cafe as any other supermarket. Morrissons has a slightly smaller cafe department than most stores too. The staff were really friendly which isn't usually a problem for me anywhere else so is just a bonus. The food was really nice. Okay so we only had egg and chips. a cake, burger and chips for Other Half and a baby jar with 2 drinks as well this total came under budget costing around £7.68 I was really pleased because that's the cheapest I've eaten in a supermarket with 3 of us.

After the quick lunch we went off to the real challenge: The food shop. My budget is £60 a week with the hope of having left over cash at the end for the pot in the kitchen in case we need extras during the week. It was hard going around a store new to us, and we were at great risk of popping things in the old trolley just because we were passing through aisle's we didn't need to. Always a danger. Luckily we didn't add anything we didn't need.

The biggest joy for me (as sad as it sounds) was the Free From section. A constant battle for me is getting supermarkets to stock up a decent size section. My local Tesco is getting better, but I still have to travel by bus to another town just to buy some self raising flour. I can't afford everything from a health food store so I keep them for the cheaper basics.
Morrisons had a really good section for Free From food. I was so happy to have naan breads for dinner and to see there would be no more shopping around for me every week. Yey!

At the checkout the lady was super nice, bags were there already and it was noticed when we were low without having to ask more than twice if we 'could have some more bags please?' Usually I take bags with me but on this occasion I totally forgot. At least I have more to stash under the buggy! Their bags seem stronger I noticed as well. Oh, and the best part? My bill came to *drum roll* £44.86!

Of course that £44 doesn't buy totally everything I need. I nipped over to Lidl (usually it's Aldi though) to buy their nappies which are great. Morrissons are good nappies but when I can get just about 2 weeks worth for £4.99 I'm not likely to go elsewhere am I? I was buying £1.99 nappies in the Tesco Value range but another price hike has seen them go just over £2 so I am making a saving. Even after that there was some change for the pot for my bread (everyone had beaten me to it-darn) and anything we run out of as you do.

Thumbs up Morrisons, you have a new customer in me. I'm not too bothered about my Tesco Clubcard when I realise I don't get much from it anyway. So, which supermarket are you loyal to, if any? Or are you loyal to your local town which is even more important at this time? Or do you just go here there and everywhere much like me but have a preferred choice of supermarket?

I'd be interested to hear you views, or even if you totally disagree!  For me though, I am rather happy with my new choice of store.
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* An exaggeration
* I have posted this purely for my blog. No supermarket has asked me specifically to comment on their store. I'm just a mummy blogger who thinks too much about shopping and budgets!