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 Post subject: Scrooge Factor
PostPosted: Thu Aug 25, 2016 8:26 am 
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Below is a list of my money saving tips

1) Don't buy it if you don't really need it
2) Don't smoke
3) Don't drink
4) Reuse where possible
5) Always ask the owners permission if they have a skip outside and there is stuff available to be recycled, upcycled or downcycled - wood, metal etc
6) Don't buy newspapers
7) Don't run a car / van UNLESS it is necessary for your job (savings on Tax, Insurance, Fuel Costs, Washing & Valeting)
8) Don't get involved in rounds at the pub
9) Don't buy new books - always go second hand or use the local library
10) Don't watch television - save the electric for something more worthwhile like operating Power Tools
11) Don't buy DVD's brand new - wait a few weeks/months until they go into the under £5 aisle or your DVD/Game Exchange shop
12) Pick up any coins you see in the street


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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 9:16 am 
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Don't use the internet - save the electric for something more worthwhile like operating Power Tools



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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 9:24 am 
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It probably works: I've done many of those things. I can remember being hard-up, if not actually poor.

The difficulty now is learning how to spend money - we actually use about 55% of our monthly retirement income which leaves a sizeable chunk over at the end of the month. Twenty or thirty pounds is almost an irrelevance but I still think hard before parting with it.

Old habits and all that.

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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 9:30 am 
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Not really sure if there's going to be any point in 'saving' money if the worlds economy keeps heading in the current direction - it'll all be worthless paper before too long!

But learning to cope WITHOUT an income - now that's something we could all do with!

Just as a thinking exercise, image how [you] would cope if you had zero access to hard, transferable cash and had to rely on recycling or even bartering.....

How quickly would your world collapse around you?

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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 9:59 am 
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1. live well within your means
2. If you want something you save for it, you will enjoy the item more knowing that you have earned it
3.£3-4 quid and self control - means you haven't got a £2-300k to pay out over the next 18+ years



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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 12:37 pm 
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Argyll - another good choice
ayjay - I can agree with that - although £20-£30 seems like a luxury to me at the moment
kellys_eye - I think having adapted enough of the years I could manage - in fact not having had my heating on the house in over 8 years has save me money but not in a tangible I have money in the bank kind of way
flash22 - No 1/common sense (some people though don't seem to have enough of it) No 2 /that I can definitely appreciate - No 3/that amount would definitely kit out my workshop beautifully - in fact with that amount I could move to a place with a larger garage and I'd still have change

I wish I had actively started saving the money after I quit smoking in 1997 I'd be sitting on nearly £50k+.


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 Post subject: Re: Scrooge Factor
PostPosted: Thu Aug 25, 2016 9:00 pm 
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JPS3691 wrote:
Below is a list of my money saving tips

1) Don't buy it if you don't really need it
2) Don't smoke
3) Don't drink
4) Reuse where possible
5) Always ask the owners permission if they have a skip outside and there is stuff available to be recycled, upcycled or downcycled - wood, metal etc
6) Don't buy newspapers
7) Don't run a car / van UNLESS it is necessary for your job (savings on Tax, Insurance, Fuel Costs, Washing & Valeting)
8) Don't get involved in rounds at the pub
9) Don't buy new books - always go second hand or use the local library
10) Don't watch television - save the electric for something more worthwhile like operating Power Tools
11) Don't buy DVD's brand new - wait a few weeks/months until they go into the under £5 aisle or your DVD/Game Exchange shop
12) Pick up any coins you see in the street


with respect most are not actually "money saving tips" rather than abstinence which we do not need pointing out :lol:
"money saving tips" involve education information good suggestions allowing us to do exactly what we do now but with reduced costs
anything else that involved adapting routine or life style doesn't count as we know that anyway if we have even the smallest number off brain cells :scratch:

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 Post subject: Re: Scrooge Factor
PostPosted: Fri Aug 26, 2016 12:29 pm 
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To be honest it sounds like a recipe for a sort of purgatory to me, and I'm hardly the last of the big spenders!

No car? It's a long walk to anywhere from here, and public transport is a joke!
No heating? It gets bloody cold in the Winter even down here.

I do, or have done most of the other things at one time or another, and I never spend money I haven't got, or "live beyond my means" but I like my comfort as well! :-)



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