Hey Mummies. I am after some tips for budgeting, we are a one income family and we are struggling with money at the moment. We live pay check to pay check. Thank you so much!

Posted by levismumma, 4th August 2015

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  • We budget by making slow cooked meals that last awhile and can be frozen! We stick to our meal plan and shop at places like Aldi. We also shop to specials and look around for the cheapest. It is hard but you can do it! Good luck x

  • Always shop to a meal plan!
    Make double servings and freeze one – that way when you are too busy or tired to cook you can pull it out of the freezer rather than going for take away.

  • Oh! So many interesting ideas in the previous post. Fantastic!
    Well, we are struggling too. I always cook. 7 days a week! We go out for dinner 2-3 times a year, that’s it. I don’t buy any frozen meal, prepared sauces, soft drinks, alcohol..
    Grow at least your own herbs. They are so incredibly expensive in the supermarket but so easy to grow yourself. Mint, basil, parsley, oregano, sage, bay leaves, rosemary… Never buy them again.
    Make a budget, know where your money is going and try to stick to it.
    Throw away all the credit cards. You don’t need them!
    Walk! I don’t drive. We just have one car. I walk and use public transport, that’s it.
    Reduce at a minimum the cleaning products in your house. Use natural products like bicarbonate, vinegar and lemon.

    What an interesting topic!

  • A lot of families live pay cheque to cheque, so you are not alone. Some tricks we have used. Some are daily, some are only when available or suitable or even yearly with planning.

    Shopping is a biggie for savings. Given a choice, name brand products are out off the list.

    Searching all over town wasting more petrol than actually saving money on groceries is out.

    Look for (Google, family etc) bulk food recipes, and research tricks in cooking/presentation rather than expensive ingredients/garnishes.

    Shop at the end of the day for specials, and use your freezer wisely, bulk up when you can on everything wisely, on special.

    Never shop on empty tummy or when in a rush with screaming kids. Plan and enjoy saving $.

    Never buy stuff at petrol stations or corner stores, unless on super special, you actually can use it or it is needed, and as good or better than supermarket.

    Sign up to Coles, Woolies etc for online shopping and await the freebies and specials on delivery. Same price trolley, no cost to you for petrol etc. Join free rewards programmes, and use wisely. A $20 or more bonus yearly if free, is still a bonus.

    Check your docket each time at home, list any mistakes, keep package and return next shop to get price fixes, refunds etc. Unhappy with a product, return for a refund at same time.

    Do not buy food or drink away from home, ever, except if you are rich or want to throw away money, just like gambling. Unless you can afford to loose that money do not do it.

    Set maximums for home phone and internet charges, use it wisely and when it is maxed out, that is it. OR, try a bulk or smarter plan, loose home phone, use unlimited internet for VoIP style phone, Skype etc.
    Mobile phones can use Wi fi and not waste credit, and kids mobiles are for emergency only, not for fun. This is to learn to control the electronics and don’t let them control you. My kids want a mobile phone, but they can not have more credit until they are working if their pocket money credit runs out. Teaches them what is important, time/usage management and how to budget.

    Have Foxtel?, Dump it. Have garage sales, learn to use Gumtree and Ebay, change banks for better interest, lower fees etc, shop around, and never turn away a freebie or a hand me down. Do not try to out do the Jones, and have the best or biggest of everything. We hardly ever get things, new thing things until they are old news, and way cheaper too.

    Join sites such as Simple Savings, Freecycle and TuShare for sharing and also receiving.

    Never use a car wash. Your family, your hands and a bucket on the grass are the best.

    Etc, etc, etc, the list is endless, and then there is the vege garden. A small patch where we made room, and started a 2nd hand mulching box. Also, one of many many tricks, cut the roots and last 1cm off spring onion, leeks, celery and the like, and replant. Yes, they will keep regrowing.

    The money saving list of ideas is endless, please keep adding and sharing.

  • ~ use local ops shop for all clothing needs as you can always get some bargain items in good condition still!
    ~ do big cook up meals in a slow cooker and freeze them for other days. bulk cooking usually saves on money & waste

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