Archive for sainsbury

Credit Crunch: A Survivor’s Guide – Downgrade your expenditure

Posted in Life..., Personal Finance, Uncategorized with tags , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , on March 30, 2010 by stanleyriiks

There are two simple ways downgrade your grocery shopping.

The first is by downgrading your supermarket. If you shop at Waitrose (you rich bastards!), you need to start shopping at Marks and Spencer. If you shop at Marks you need to start shopping at Sainsbury. If Sainsbury then Tesco. If Tesco then Asda. If Asda then move to Morrisons. Morrisons to Iceland, Iceland to Lidl/Aldi/Netto. If you have the misfortunate to shop at Lidl/Aldi/Netto you need to get a big stick and start mugging homeless people!

Ok, Morrisons might be above Asda, and its unlikely you’ll have all of those options in your area, but remember online shopping.

If you haven’t got the choice of which supermarket you can go to then you can always downgrade your label. A store-branded product can replace a brand name product. All the major supermarkets are getting in on the store value-brand now, even Waitrose. Both Tesco and Sainsbury have three levels of products, Tesco Finest and Taste the Difference being the top level, and the nicest, although sometimes only slightly. But also the most expensive.

The thing to remember when purchasing your food if that no matter how nice and yummy and delicious it is when you put it in your mouth, it all comes out the same at the other end. If that doesn’t induce you to purchase a Tesco’s value lasagne for 89p than I doubt anything will.

But seriously, downgrading your shopping should be taken slowly. Dropping down from a regular Tesco’s Finest menu to the value range will leave you feeling hard-down-by. Ease yourself down the range in small easily manageable increments.

Also, look at other things that can be downgraded. Your mobile contract can be downgraded as long as you are far enough into it, normally about 9 months. If you’re not using your current allowance give your mobile company a ring and reduce your contract.

Insurance can be downgraded, although check carefully that you are still covered for the things that you want to be covered for.

Downgrade your car. Sometimes this can work the opposite way too. A friend of mine purchased a newer car that had a slightly smaller diesel engine, the lower cost of insurance, lower tax and lower fuel meant that it cost £14.00 a month less to run than the older car. That’s including the more expensive hire-purchase costs. Obviously I cannot recommend getting into higher levels of debt, but in this case I can see the advantage. But debt is still bad.

Start downgrading now.

Credit Crunch: A Survivor’s Guide – Shopping Intelligently: Part 2

Posted in Life..., Personal Finance, Uncategorized with tags , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , on February 10, 2010 by stanleyriiks

We’re talking about groceries here, if you’re even thinking about any other kind of shop you need to stop right now. Unless you can’t eat it or drink it, or need it for washing, then don’t buy it.

Never ever go shopping without a list. Big mistake. Also, have something to eat and drink before you go, so you won’t be tempted to buy yourself a snack (this is my biggest problem, I go to buy myself some lunch and eat up with £20.00 worth of crisps, biscuits and chocolate!).

Stick to the list!

You will need to buy essentials, food, drinks, cleaning stuff, washing powders, you know the type of thing. Check out the offers, half price and buy one get one free (BOGOF) are the best. If they have something you will use, shampoo, shower gel, frozen pizza, toothpaste, get double you normally would. If it’s something you use all year-round such as shower gel, then stock up when it’s BOGOF. I recently bought sixteen bottles of Original Source Shower Gel in Tesco when they had a BOGOF offer which will keep me going for several months, at half the cost.

It’s important you don’t get carried away with offers. Never buy anything you might use just because it’s on sale, only things you will definitely use and are on your list.

If you do internet shopping it’s much easier to check all the offers, it’s how I choose half my shopping.

It’s also worth changing your supermarket once in a while. The big supermarkets will often send you a discount voucher to use online to entice you back, if you haven’t been there for a couple of months.

Shopping intelligently is about not buying more than you need, making offers work for you, and adding value to every purchase.

Credit Crunch: Saving money without going without. The no pain savings plan.

Posted in Life..., Personal Finance, Uncategorized with tags , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , on January 13, 2010 by stanleyriiks

You need to start thinking about how your money is spent and being aware of waste. Most of the things I’ll mention are just common sense. All of us waste money to a certain degree, and don’t think you don’t. If you are paying more than you should for something then that’s a waste. If you’re using something you don’t need to use then that’s a waste. If you can cut out as much waste as possible and live more efficiently then you will save money.

Get loyalty cards for everywhere that offers them for free, Sainsbury, Tesco, Iceland all offer loyalty cards. What better way of saving money than getting something for free, even if it is only one week’s worth a shopping a year, it all adds up!

Turn the light off when you leave a room (providing no one else is in there!). This can save you upwards of £5.00 a month.

Use Energy Saving light bulbs, good for the environment, good for your wallet! (can save you another £5.00 or more a month).

Reuse plastic bags, particularly in Sainsburys (where you can receive nectar points for using them) and Tesco (where you get clubcard points). (Can gain you £1.00 or more a year depending on how many shops you do a month).

Put on a jumper when it gets cold. Ok, so when it gets really cold you need to put on your heating, but only use your central heating to heat, then turn it off until the temperate gets low again, then turn it back on. Set your timer for the minimum time you need it and make sure you never have it on when nobody is home. (can save £20.00 or more).

Never put things on the radiator to dry! It will suck the into the wet towel and the room will not be as warm as it should be!

If there are rooms you don’t use, such at the hallway or spare room, shut those doors and turn off the radiators. Don’t heat rooms you don’t need to. It might also be worth turning it off in the kitchen, normally when you are in there (whilst cooking) it’s warm enough.

Go to bed early. Not only will you benefit from all that extra sleep, but you can turn off the lights and heating while you’re in bed.

You think that’s all a waste of time? That little lot could save you over £500.00 a year!