Thrifty September: highs and lows

Picture of a bowl of chicken, pepper and spinach soup for my post on Thrifty September

Saving with soup

With the children back at school after the summer holidays, I’m now part way through Thrifty September, really trying to cut costs.

Liz Truss may have capped energy rates and standing charges from October so the average household will only pay around £2,500 a year in energy bills, but that’s still more than double the cost a year ago. Plus so many other bills, for food, fuel and everything else, have shot up.

So far, I’ve been trying to reduce our spending on food, energy and activities and avoid spending much on anything else. I’ve also been keen to boost my bank balance by taking advantage of any other money I can magic up.

I’ve been posting about my progress on the Much More With Less #MoneySavingYear Facebook group (do come on over to share tips and support).

Fair to say it’s been a mixed success! Here’s how I’ve got on.

Picture of a meal using up leftovers during Thrifty September

A particularly mixed side salad, after we’d finished the lettuce, cucumber and tomato

Cutting food spending

Food is one of the biggest bills for most families, along with housing, energy and transport, so it always seems like a good place to start. I also reckon I’ve been snarfing a ton of rubbish over the summer and need to eat more healthily.

What’s gone well: Doing a stock take of everything we had in our cupboards, fridges and freezer, really helped me identify food that needed using up. I was able to delay going shopping for several days, making meals out of what we already had, and actively using up leftovers. I’m pleased I put together a meal plan and made a shopping list for a big shop up, as it then reduced the top up shops that can turn expensive. I’ve also tried to cut down on assorted requests by the kids for Co-op meal deals, Greggs snacks and even a cream tea, by making cookies, flapjack, scones and brownies at home. 

What hasn’t gone so well: Lost at freezer roulette, when the mystery cream lump turned out to be mashed potato rather than cheese sauce. Not so great for macaroni cheese. Didn’t bless the mice that took lumps out of a couple of ripe pears (eek!) and regret the banana that got left too long (RIP). Also bowed to pressure from my kids and took them to McDonalds, and wasn’t organised enough to take a packed lunch for a recording day in London.

Picture of soup in our slow cooker, to help cut energy costs during Thrifty September

Slow cooker soup

Cutting energy spending

Our house is about the worst combination for energy bills – old, draughty, detached and with oil central heating.

I started by taking electricity meter readings a week apart, to get a sense of how much electricity we normally use, and then a reading a week later, after making some changes.

What’s gone well: I’ve tried to put a few things into practice – using our slow cooker more, chivvying the kids to switch lights off, charging my phone during the day and unplugging it when it’s charged rather than leaving it on over night. I’ve also started washing clothes at 30 degrees and filling the washing machine more than I used to. We’ve changed the timer on the water heater, so rather than heating up twice a day, it only goes on once in the evening.

Our electricity consumption dropped from 76 kWh the first week to 64 kWh the second, down more than 15%. However, I suspect a chunk of that was due to our fridge freezer being off for three days (gulp), of which more later…

What hasn’t gone so well: Realising the oil tank was running low is not a great moment during a supposedly frugal month. Caught it in time to take part in a bulk order via The Oil Club, which is typically cheaper but takes a while to deliver. Still came to nearly £475 for 500 litres. Ouch.

Picture of a wall of cinema posters

Cinematastic at £3 a ticket

Cutting spending on activities

Family outings can really add up if you’re not careful. I’ve been trying to focus on ways that we can still have fun, without spending a bomb.

Previous post: My favourite cheap and free family days out in the school holidays

What’s gone well: Thanks to National Cinema Day, I was able to take the kids for a ‘back to school treat’ to see ‘Thor: Love & Thunder’ for just £3 a ticket plus booking fee. The £3 tickets applied anywhere in the cinema – so I chose fancy recliner seats in the back row, which were huge fun. I double checked the prices, and the tickets we got for £11.10 all in would have cost £38.07 for the exact same seats, film and showing the day before. Better believe I took home made popcorn and bottles of water rather than bankrupting ourselves on cinema snacks. We also took advantage of the Heritage Open Days this weekend to visit Peake’s House in Colchester for free.

What hasn’t gone so well: Booking tickets at the cinema that doesn’t refund parking was a school boy error, doh. Bribing the kids to come to Colchester with the promise of McDonalds wasn’t terribly thrifty either.

Picture of our dog looking inside our empty small fridge

Goodbye small fridge, and your extra energy consumption

Cutting spending on anything else

I reckon as soon as I announced I wanted to do a Thrifty September, fate said: “Really?? Hold my beer.”

What hasn’t gone so well: The oil delivery hasn’t been the only chunky expense. I could have done without our elderly fridge freezer giving up the ghost. Cue dashing round to my mother and mother-in-law, transferring our frozen food to their freezers. I also paid a fiver to join Which? and check fridge freezer reviews, compared prices, then forked out nearly £660 for a brand spanking new fridge freezer, plus extra for express delivery and removing the old one. I suppose (said through gritted teeth) this is what emergency savings are for. 

Also – back to school expenses! I had already spent a ton of money in August on new school uniform – my youngest had a growth spurt and basically grew out of everything apart from his tie. Then when term restarted he announced that (surprise, surprise) his feet had actually grown too, and my oldest produced a list of art supplies and stationery needed for his Art, Drama and Design courses.

Bigger feet never just means one pair of shoes, on no. We spent a chunk of Saturday buying school shoes, school trainers, rugby boots, out-of-school trainers and bigger socks, plus the assorted fine liners, cutting mat, A3 paper, metal ruler, masking tape, file dividers and whatever else. Got as much as possible from The Range and Sports Direct but still.

What’s gone well: I’ve resisted buying anything for myself. Took a bottle of wine we already had to the ‘meet other parents’ school drinks. Trying to squeeze a silver lining out of the new fridge freezer – we went for an energy efficient model to cut running costs, and one with a bigger fridge compartment so we could switch off our separate small fridge.

Picture of Croatian kuna leftover from our holiday

Cashing in on currency

Maxing out extra cash

I’m keen to use everything from vouchers, gift cards and cashback to loyalty points, to avoid draining my bank balance.
So far it’s been vouchers and cash back agogo.
 
What’s gone well: Got September off to a great start by getting my oldest to take leftover holiday money to a bureau de change, when meeting a friend in Ipswich. Much better to get that £120 back, rather than forgetting the notes in a drawer. I’ve switched to using my Chase debit card for as many purchases as possible, as it pays 1% cashback. I’ve also used some cashback, cashing in some money earned from my NatWest Reward current account to get £50 off food at Morrisons. I even managed to make a dent in the cost of the fridge freezer, via a £100 off voucher code from MyJohnLewis and a £25 Christmas present gift voucher.
 
What’s not gone so well: I’ve only used one of my Co-op money off vouchers, and keep forgetting to use the rest. Need to put them in an obvious place in my purse. If I hadn’t been in such a hurry, maybe I could have used TopCashback earnings to buy my oldest’s art supplies online.
 
So, overall, what was meant to be a super thrifty month has been scuppered so far by particularly big bills for heating oil and a fridge freezer. Good thing I’ve been trying to make other savings elsewhere, I suppose.
 
Now – over to you. Do you fancy taking part in Thrifty September? What do you plan to do? What have you already done to save money? Do share in the comments, I’d love to hear!
 
 
For more on ways to save, do check out the latest podcast series of Mrs Mummypenny Talks, sponsored by PensionBee, where Mrs Mummypenny and I share tips on coping with the cost of living crisis. Listen to the first episode here.

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29 Comments

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    Growing kids, extra treats, those add up but you’re acting where you can. I love the tip on checking your meters, making changes, and checking again.

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    Highly Recommended! Very insightful, I will also say this here. Investment is one of the best ways to achieve financial freedom. I made more profit than I could ever imagine. I’m not here to converse much but to share my testimony, I have made total returns of 2 BTC from a deposit of just 0.2 BTC in 45 minutes, With DWOH special advance mining program, I only make a deposit of 0.2 BTC and in 45 minutes I received 2 BTC on my Binance wallet and i was so surprise and immediately i sold some of the bitcoin and the money was deposited into my bank account after selling the bitcoin. All thanks to DWOH for there special advance mining program, if you want to earn bitcoin in less than 1 hour contact them today 

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  18. Jacob Jones
    8th October 2023 / 9:28 pm

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    Dora|Yotter Zayas|874646790|10/19/1955|Y362176558790|FL|4736 Grapevine Way|Davie|FL|33331|5052363136|8008526829|dzayas@legalclub.com|3250|benefits|n/a|n/a|8008526829|BANK OF AMERICA|5054473196|63100277

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  19. Kayla Gerald
    11th November 2023 / 10:26 am

    BITCOIN RECOVERY IS VERY MUCH REAL, AM A LIVING TESTIMONY!!!!

    I was actually fooled and scammed over ( $753,000 ) by someone I trusted with my funds through a transaction we did and I feel so disappointed and hurt knowing that someone can steal from you without remorse after trusting them, so I started searching for help legally to recover my stolen funds and came across a lot of Testimonials about DARK WEB ONLINE HACKERS, Reovery Expert who helps in recovery lost funds, which I can tell has helped so many people who had contacted them regarding such issues and without a questionable doubt their funds was returned back to their wallet in a very short space of time, it took the expert 21 hours to help me recover my funds and the best part of it all was that the scammers was actually located and arrested by local authorities in his region which was very relieving. Hope this helps as many people who have lost their hard earn money to scammers out of trust, you can reach him through the link below for help to recover your scammed funds and thank me later.
    Email Address: dwchzone@gmail.com
    Or WhatsApp: +1 (803) 392-1735

  20. Nick Mike
    12th November 2023 / 2:45 am

    I’m Nick Mike, I’m here to tell my testimony about how. Geo Coordinates Hacker Security Company enabled me to recover my stolen BTC. And a few months ago I lost $673,000 worth of cryptocurrency to a fake investment company. I don’t know how they got my email but I received an email from HX Investment Bank with a good proposal on how I could make millions out of my investment with them. I was convinced when they showed me profits from other clients that had invested in their platform, I began investing with them. When it was time to withdraw my profits, their website was shut down and I tried contacting them but they wanted me to pay a huge amount of fee to be able to withdraw my funds which I did until they cut me off and stopped all communication with me. I was shocked and devastated, I realized there was nothing I could do to recover my funds, I had gone to the authorities but they couldn’t assist me. I did some research online and I came across a post about Geo Coordinates Hacker Security Company. I was amazed by their service and how many others have fallen victim to the same scam, Geo Coordinates Hacker Security Company was able to help me recover my cryptocurrency funds. I’m truly grateful for the help of Geo Coordinates Hacker Security Company. Their professional team was super and it took them less than 72 hours to get my funds back from these scammers. Geo Coordinates Hacker Security Company is here to provide that service for you. I highly recommend their services to everyone who wishes to recover any cryptocurrency Please contact the following email address: geocoordinateshacker@proton.me.
    I wish you success in getting your bitcoin back.

  21. clara james
    21st November 2023 / 11:29 am

    REAL LEGITIMATE CRYTPO RECOVERY AGENT

    I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ETHICSREFINANCE SERVICE, who helped me recover my money from these fake investors. It took ETHICSREFINANCE 48 hours to recover my money and I was able to track down these people. I?m truly grateful for their service and I highly recommend them to anyone with the same problem.

    Email Address: ethicsrefinance@gmail.com
    WHATSAPP :+1 (719) 642-8467

  22. 29th November 2023 / 11:44 am

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  23. Manuel Franco
    1st December 2023 / 6:53 am

    I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him

  24. 1st December 2023 / 9:32 pm

    How to Recover Your Stolen Cryptocurrency in A Few Steps Through // Captain WebGenesis.

    How do I get my scammed Bitcoin back?
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    Hire A Hacker To Recover Lost Or Stolen Bitcoin/Nft // Help I Can’t Access My USDT Account, Seems I Got Hacked // Bitcoin Recovery Expert Needed// Cryptocurrency Scam Recovery // Recover Lost Funds // Crypto Investment Gone Wrong. How To Hire A Hacker To Get Back Stolen Crypto Coins

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  25. CATHERINE EDWARD
    3rd December 2023 / 8:38 am

    REAL AND LEGITIMATE CRYPTO RECOVERY EXPERT

    I was actually fooled and scammed over ( $345,000 ) by someone I trusted with my funds through a transaction we did and I feel so disappointed and hurt knowing that someone can steal from you without remorse after trusting them, so I started searching for help legally to recover my stolen funds and came across a lot of Testimonials about ETHICREFINANCE Recovery Expert who helps in recovery lost funds, which I can tell has helped so many people who had contacted them regarding such issues and without a questionable doubt their funds was returned back to their wallet in a very short space of time, it took the expert 21 hours to help me recover my funds and the best part of it all was that the scammers was actually located and arrested by local authorities in his region which was very relieving. Hope this helps as many people who have lost their hard earn money to scammers out of trust, you can reach him through the link below for help to recover your scammed funds and thank me later.
    Email Address: ethicsrefinance @gmail. com
    Website: www. ethicsrefinance .com

The contents of this blog are for information and ideas, and should not be viewed as financial advice. Use of the material is conditional on there being no liability for how you choose to use it. If you are unsure about any investments or financial issues, please contact a financial adviser.