September 24

Thrifty Things To Do This Week – Save Money In The Kitchen

Week 4 – September 24th, 2018

It’s the fourth week of the month: if you can make the time, Write a Budget and Share Something.

This is the week of the month when I am most likely to eat into my overdraft or crack out my credit card – pay day is only a few days away but we need to eat NOW. But I have found, over and over again (I would be embarrassed to give you the exact number of times…) that a quick but thorough sort through our cupboards, freezer and fridge usually shows that we hardly need to buy any food at all. What we actually need is to eat what is already there.

So, armed with a notebook and pen I make a list of what I can find and then draw up a meal plan that uses those ingredients and keeps food shopping that week to a minimum.

Finding a menu that embraces the fag end of an old brie, some vacuum packed beetroot we bought by mistake and a tin of anchovies is not easy… (Bright Pink Risotto, in case you are wondering, The anchovies went into a pasta sauce.)

It is worth it though, because it gives you all your meals for the final week of the month without having to spend more than you have. And if it is worth it for the last week of the month, then, actually, it’s a good idea for every week.

Thing is, without the immediate choice of overdrawn or underfed, I don’t actually bother to check what is in the cupboards. So the compromise I have settled on is to keep a running tally of what’s in my cupboards. Once in a blue moon I run a stock-check of our food supplies and use it to set up a simple stock list on the door of the freezer. That way I can see at a glance what food we don’t have to buy.

Recently I bought some very cheap mini dry-wipe boards with magnets on the back from Home Bargains that are perfect for the job. The magnets mean they are always handy on the door of the fridge. Better still, the pen is also magnetised and has a little sponge eraser in the cap so that I can always lay hands on it easily. I use the other one to keep a running shopping list – anyone who uses up something adds that to the list and when Tartan Dad or Tartan Boy or I run to the shops there is a ready-made shopping list to take along. At only 89p to stop me buying food we don’t need, I think they are a thrifty bargain.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!

August 29

How To Stop Being A Payday Millionaire

What is a Payday Millionaire?

A millionaire doesn’t worry about whether or not she can afford to eat in that restaurant. She’s hungry, she likes this place so in she goes. When she sees a dress she likes she does not turn over the price tag and wince. She probably doesn’t turn over the price tag at all. She just buys three – one to keep at home and one to keep at each of her holiday houses.

A payday millionaire also spends without thinking about it – but only when she has just got paid. After a few days of joyful splurging, she reigns it in sharply and lives like a pauper for the rest of the month. Mainly because a few days as a pretend millionaire have left her with barely enough to get by…

Does this sound like you? It certainly sounds like me.

Why Does Payday Bring Out Our Inner Kardashians?

I can’t tell you why your spending goes stratospheric when you get paid but I have been doing a lot of thinking recently about why mine does. I think it comes down to five things.

  1. I want to play. I have been very grown-up and sensible and responsible with money for several weeks but now my inner child would like to come out to play. She wants to just run about without fear of consequences. She lives in the moment and at this precise moment she has plenty money!
  2. I want to reward myself. I have kept our finances afloat for another month and now I want some recognition for that. I deserve some recognition for that. So, emboldened by the reassuring number of pounds in my paycheck, off I go to treat myself.
  3. I want to relax. I feel like I have been in a permanent state of financial emergency for weeks and now that it’s over I just want to completely relax my guard and not have to think – carefully – about every spending decision. Actually, I don’t want to have to think at all about any spending decisions  – so I just don’t.
  4. I want to feel secure. More than anything, I want to feel like I have enough – more than enough, in fact. I want to feel like I am definitely not just one bad spending decision away from financial disaster. I want to feel that I can spend carelessly without any harm. I want to feel that it is safe, at last, for me to take my eye of our bottom line. And, for a few days, relaxing my guard does make me feel that way. It’s a good feeling. And then it’s not.
  5. I want to make things happen right now. The last few weeks I have been stopping things from happening. Expensive things. It feels pretty negative after a while. Now I want to inject fresh life into my wardrobe, or set up a little holiday or get Tiny Tartan a new bike, or organise a girls’ night out… I want to make things happen. I want to be the driving force. I don’t want to be the brakes. And spending on things I have held back from makes me feel like I am in the driving seat. Somewhere inside I know I am about to turn off the money again – but that makes the need to use money to make changes all the more urgent.

 

How do you fix it? I don’t know yet, but I suspect that recognising the need my payday splurges serve is the key. Because it is all about emotional need. Things we actually need in the real world (new tyres, a new work outfit, etc) go in the monthly budget. No, the splurging is about meeting my own internal needs. They are valid needs but splurging is not a sustainable way of dealing with them.  So my challenge for the next few months is to try to find other, non-spendy ways to meet those same needs.

At this point, I would love to give you a list of ways to stop being a payday millionaire. Hell, I’d love to give me that list. What I have at the moment is some vague ideas, slowly forming in my head, that I will refine and try out over the next few months. And then I will get back to you and tell you what worked for me – maybe it will work for you t00. What about you? If you have any ideas, please add them as a comment.

 

August 20

Thrifty Things To Do This Week – Get Kids’s Shoes For Less

Week 4 – August 20th, 2018

It’s the fourth week of a five week month – if you have the time, Take Stock and Tackle One Big Spend

It’s that special time of year when I need to start the annual battle to kit out the kids’ feet without kissing goodbye to a small fortune. Joy. This has been a Big Spend for us for long enough, though, that I have developed some ways of tackling it. You can read everything I have learned about Cutting The Cost Of Kids’ Shoes – written a few years back – and then you can pause and smile wryly at my naive assumption that this was all there is to keeping shoe-shopping to a sensible budget…

I thought I had it sussed. The kids were kitted out in new shoes that protected their little feet as well as my small budget. Then Tartan Boy hit adolescence and the goal posts moved overnight.

Suddenly it wasn’t enough that the shoe was the right size – it had to be the right brand too. A branded shoe is never a budget shoe – they start out at a ridiculously inflated price and no 50% off sticker can bring it down to the same level as a discounted shoe that started out at a lower price. So branded shoes were a step too far for me. But non-branded shoes were a leap over the cliff-edge of cool for Tartan Boy. Problem.

You can read how I (almost) solved it in What To Do When Your Kids Want Branded Shoes And You Want To Stay On Budget. Although, to be honest, it’s less a problem you can solve, more a curve you can try to stay ahead of. So if you have any other secrets of sane shoe shopping, I would love to hear them. Please share them in the Comments below.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to avoid being a pay day millionaire.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

August 6

Thrifty Things To Do This Week – Easy Savings And Lazy Bread

Week 2 – August 6th, 2018

It’s the second week of the month: if you can make the time, Try A New Free Or Cheap Activity and Grow Something.

Several years I go I decided to save money by simply staying out of shops. It was a plan with a solid philosophy – every time I set foot in a supermarket I spent money, so, if I went into the supermarket less, I would spend less.

Did it work for me? Surprisingly, yes, it pretty much did. I have had to tweak it a bit over the years. I gave up on the one big monthly shop because we don’t have enough storage space, for example, although it did drastically reduce shop visits. But several years on, keeping us out of the shops has certainly helped keep us in the black. Would it work for you? Read the post and see what you think.

One of the keys to success for us was being able to make our own bread if we ran out. The easiest way to do that is with a cheap, easily available bread machine. But almost as easy is the no-knead method. No machine required and less than ten minutes hands-on time involved in total.  Read how to make Delicious, Thrifty, Artisan Bread and decide for yourself.

I will be back next week with a fresh Thrifty Habits Planner and advice about what to make with a glut of cheap plums.

 

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

July 30

Thrifty Things To Do This Week – Get Thrifty And Happy

Week 1 – July 30th, 2017

It’s the first week of the month: if you can make the time, Put Cash In Marked Purses and Make Something

Be Joyful And Generous

Now and again, it’s good to remind yourself why you are doing this thrifty stuff. The obvious answer is… to save money. The answer lying behind that is that you want to save money because that will make you happy – which is why one of my Principles Of Thrifty Living is Be Joyful And Generous Not Miserly And Miserable.

If I had to sum up the Tartan Thrifty mission in two words, they would be “happiness” and “habits”. “Happiness” because that is what I believe is the real aim of thrifty living. “Habits” because that’s what I think is the best route to long-term cost-cutting.  Mindless thrifty habits help us to effortlessly save money. Saving money helps us to feel more secure in our finances. And feeling secure in our finances makes us feel happy.

So you can imagine how delighted I was to come across The Habits Of Supremely Happy People on The Huffington Post – two of my favourite ideas in one place! Take a look at it and see if you can add some extra sunshine to your summer.

It is easy – when you are making a serious effort to be thriftier – to get fixated on cutting costs. But cutting costs is a means to an end. And that end is being happier. So why not take some time this month to think about what makes you happiest, and what would make you more happy. Then look at your spending and cost-cutting plans. Are you putting your money and effort into the things that will most make you happy? Or do you need to adjust your plans to make yourself thriftier so that they also make you happier?

Maybe you already know exactly what makes you happiest, but if you do need some inspiration try Happiness For Dummies. The author (a psychiatrist who has walked the walk as well as talking the talk and now mainly works with people in chronic pain, helping them to find deep happiness despite their circumstances) outlines in straightforward terms the key areas of your life that will make you happy. Making sure that certain elements of human existence are there in your own day-to-day habits turns out to be the key to deep and lasting contentment. (Habits again!) And – happily – spending big bucks is not one of them.

I will be back next week with a fresh thrifty habits planner and a remarkably simple way of cutting your costs.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

July 27

How To Budget, Part 3

Making A Budget And Sticking To It

So, you have worked out what your personal values are, the things it is important for you to spend money on. And you have worked at writing an honest budget, one that prioritises the things you value, covers the things you urgently have to pay for, and doesn’t go over what you actually have to spend. What next?

Your budget is just words and numbers on a screen/page/scrap of paper. It becomes real when you actually live it. Sounds obvious, right? But I know for a fact that I am not the only person to sail through the month with a budget somewhere that bears no relationship whatsoever to what I am actually spending. So once you know what you  are planning to spend you need strategies for making sure you stick to that.

Why Don’t I Have Enough Willpower To Stick To A Budget?

Willpower is not an effective strategy because you can only use it when you are paying attention to your spending –  sometimes you will be using your brain for other stuff while you spend. Plus, using willpower takes mental energy and that fluctuates wildly from day to day and even from hour to hour. So some of your spending will happen, inevitably, when your willpower is low. And willpower is needed for other things too – if you use it all up on your spending you are going to have less of it for other important areas of your life. No, you need something other than willpower to make sure you really live your budget. Here are the strategies that work for me – try them and see which work for you too.

Eight Easy Strategies To Help You Stick To Your Budget

  1. Write it down and put it somewhere you will see it every day. Whether it’s a sheet of paper stuck above your kitchen sink, or an app on your phone, make sure it is right in front of you at least once a day every day or you will lose track of it.  Do not just have a budget in your head. Your head is very good at conveniently mislaying your budget when it wants to go shopping.
  2. Link checking your budget to something else you do every day to trigger you to check it. Tuck it behind your bathroom mirror and check it whenever you brush your teeth. Or put it beside the cooker and check it over while you are stirring your evening meal. Or go over it when you are stuck in traffic on your daily commute… Tick off everything you spent money on that day and add the amount you spent.
  3. Keep it real. Budgets are an idea – they are not real money. Try to deal with real money as much as you can. Don’t use plastic unless you are very good at checking your balance daily. Lift hard cash and spend your budget that way. We are generally more realistic about how much we can spend when it is actual physical money.
  4. Tweak your budget as you go along. Your budget is just a prediction and sometimes your prediction of how much something will cost will turn out to be inaccurate. That’s OK as long as you make up the shortfall somewhere else in your budget. Make sure you adjust an area of your budget that can take it. If you have a bill to pay, you can’t spend less on that, but you could cut what you planned to spend on treats, for example.
  5. Never let other people run your budget. If your budget for outings is low don’t let a friend talk you into a pricey night out. If your food budget is running low don’t let your kids badger you into buying expensive treat food. Just keep coming back to what you planned to do with your money and stick to your guns.
  6. Hide your surplus. If you are hoping to have a surplus – even just a few pounds – by the end of the month, hide it away at the start of the month. Put it in a separate account or in a separate purse. You are less likely to spend it that way. If your budget doesn’t work out and you have to spend that money then you can easily get it. But you won’t just spend it without even noticing.
  7. Set aside spending money. By all means have money just for dipping into if you can afford it. But keep the money you can afford to spend without thinking about it in a totally separate place from the money you have budgeted for other things. If you don’t, you will start to treat all your money as pocket money and suddenly it will all have vanished. Trust me on this one – I have been there.
  8. Put money straight into separate savings accounts on pay-day. We have different accounts for long-term savings, short term things like holidays or Christmas, and an emergency fund. Sometimes the amount we are able to put into each is microscopic but putting money into these accounts right away makes sure that these few pounds were still there at the end of the month. I use standing orders to do this so I don’t even have to use a tiny amount of willpower to make myself do it.
May 28

Thrifty Things To Do This Week – Budget For The Real World

Week 4 – May 28th, 2018

It’s the fourth week of the month: if you can make the time, Write a Budget and Share Something.

Last month I invited you to get your own values clear in your head before you start planning how to spend your money. This month it’s time to get your own spending limits clear in your head before you start spending. Why does that matter? Let me tell you a story.

It’s a story about me – an accidental (that part is another story) stay-at-home mum who had lots of time with her kids but very little money in her purse. In spite of my limited spending power I went ahead and spent. And then, to my great surprise, discovered half-way through the month that we had zilch left. I spent only on things we valued, things that were important to me and my family – there was nothing wrong with what I was spending money on. I bought in sales, shopped around for bargains, bought materials to make things myself… there was nothing wrong with where I spent my money. But there was a gap between what I wanted to spend our money on and the amount of money we actually had to spend. And our financial security was dropping down into that reality gap and disappearing every month.

Budgeting saved me and it can save you too but only if you get in there and do it at the start of every month. And only if you work with the real not the ideal – planning to spend what you have and not what you wish you had.

So this month I invite you to think about how to draw up a budget that fits your values but also fits your reality. In How To Budget, Part 2  you can learn how to spend in the real world not just in your ideal world. Good luck!

I will be back next week with a fresh Thrifty Habits Planner, some creative inspiration for free DIY projects and a recipe for Lemon And Poppy Seed Muffins.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

April 30

Thrifty Things To Do This Week – Budget Wisely And Banish Bad Smells From Your Washing Machine

Week 5 – April 30th, 2018

It’s the last week of the month: if you can make the time, Write a Budget and Share Something.

There are many ways to budget – as many as there are people, I suppose – and they all have their advantages and disadvantages. Most months, I use a basic spreadsheet. This has the advantage of being quick and accurate and easy to use. Some months, though, my budget is hastily scribbled on a piece of paper and added up in my head. This has the advantage of being free and not depending on my having technology to hand. Occasionally, my budget is done in my head, hastily, on the hoof, right before I pay for something. Because I realise at that moment that I have not yet got round to doing it. That has no advantages at all.

I strongly recommend that you don’t repeat my crimes against personal finance. Make time to budget – by whatever method works for you – before it’s too late to seize control of next month’s spending. Read How To Budget, Part 1 if you want advice on how to get started.

On a completely different note – how about the easiest bit of spring cleaning you will ever do? For a couple of years, the Tartan Family regularly threw out clothing, towels, even bedding that was in perfectly good condition. Why? Because they stank. In spite of repeated washing, they had an unpleasant mouldy odour. They started out fragrant (if a little grubby), went through the machine, hung up to dry… and then were haunted by a whiff of such fustiness we couldn’t stand them. Out they went. I am not, as you may have guessed, a person who relishes throwing things out and spending money on replacements. I am happy to report, though, that I did eventually figure out what was wrong and our washing is now whiff-free. If you want to hear how spending a few seconds – yes, seconds – spring-cleaning can banish bad smells from your laundry, read Spring Clean Your Washing Machine.

I will be back next week with a fresh Thrifty Habits Planner and a recipe for goey, chewy, chocolate cookies. Freezable snacks for pennies in only a few minutes.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!

April 23

Thrifty Things To Do This Week – Get School Uniforms On A Budget

Week 4 – April 23rd, 2018

It’s the fourth week of a five week month, which means you can squeeze in a couple of less frequent habits – if you have the time, Take Stock and Tackle One Big Spend

How is the weather with you today? Cold and wet with no hint of summer over the horizon? Bright and breezy and settling in for a beautiful Spring? Four seasons in one day?

Whatever the weather this week, warmer days are ahead. (Warmer is a relative term: I am not predicting a heatwave.) Which means it’s time to check whether you have summer school uniform in the right sizes all ready to burst out on the first balmy day. And if you are going to do that quick check, you might as well run a full School Uniform Audit. Once you have made time to Take Stock of the uniform you do have in, why not go a step further and Tackle One Big Spend by planning how to fill the gaps in your school kit thriftily rather than panic-buying at full prices on the last day of the summer holidays?

 

It is possible to get school uniforms on the cheap without compromising on quality – check out outlet stores for quality brands; keep an eye open for sale rails; check out uniform stalls at school fayres for second hand items in good condition. White shirts are fine second hand, so long as they have not been washed so often they have developed that grey tone. Polo shirts depend on their original quality – some keep their colour and shape well, others become pale and saggy after a few months of washing. For items that don’t have to show the school crest, supermarkets are a cheap source but be warned: if you have more than one child at the same school and hope to hand down uniform, cheaper brands don’t last so well. Weigh up whether it will be cheaper in the long run to spend more on items that can be worn by two or more children. I find that second hand trousers are rarely worth the price but school shorts, skirts and dresses are worth buying – no knees to wear through. Second hand jackets vary – always check zips, cuffs and fabric for wear and tear.

Over the last few years I have saved us hundreds of pounds by buying the Tartan kids’ mandatory school blazers second hand. You can read about how to bag a bargain blazer here. Even if you buy all your uniform brand new, it is still cheaper to do that when you have time to shop around for the best prices. Don’t forget to think about stationery, lunch boxes, etc. too.

Get a plan in place now and you will be ready to take advantage of school uniform stalls at summer fayres, online offers and the racks of new uniform arriving in supermarkets in late June.

I will be back next week with a fresh Thrifty Habits Planner and a look at how to budget and banish bad laundry smells.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.

 

April 16

Thrifty Things To Do This Week – Work Your Receipts To Max Your Cash

Week 3 – April 16th, 2018

It’s the third week of the month: if you can make the time, Preserve Something and Review Your Spending

Reviewing your spending – taking time to go over your receipts or bank statements and work out where your money is going – saves you money by helping you stay in control of your own spending. But… could it help you save money in other ways too?

I have been reading 6 Simple Ways  To Save Money By Tracking Your Receipts on Wise Bread. It has given me some ideas for how to make more of this thrifty monthly habit. I love the idea of using my receipts to actually make money once I have used them to help me save money and spend less. Take a look and see which ideas you could try.

Think this all sounds like too much hassle? Set yourself a time limit – fifteen minutes, say. Nothing seems like too much effort when you only have to spend quarter of an hour on it. Or do it in the advert breaks while you watch TV. Tiny effort, big results.

I will be back next week with a fresh Thrifty Habits Planner and advice on how to kit kids out for school on a budget.

Free, Downloadable Thrifty Habits Planner To Keep You On Track

Click here to download your copy of this week’s free Thrifty Habits Planner.

So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.

Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.