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Mission Competition

Top Money Saving and Comping Tips from a 21 year-old Student keen to make my limited budget stretch the semester!

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Luck and love!
Showing posts with label money saving. Show all posts
Showing posts with label money saving. Show all posts

Friday, 26 August 2016

A Money Saving Student Holiday - RSPB





When you think of ways to save money, perhaps going on holiday isn't the first thing to spring to mind. But over the last two weeks, I have been on a trip away that has taught me a lot about saving money. I have stayed in a country cottage, been on outdoor walks, seen some amazing wildlife and learned more than I do in the classroom. And all I had to pay was my travel and food while I was there. What was I doing? I was volunteering with the RSPB - the Royal Society for the Protection of Birds. I had an incredible two weeks, and would recommend it to anyone interested in wildlife and the great outdoors. Here are the things that I learned, from identifying Heath bumblebees to planning a food shop:

  1. Travel

The main expense of my whole trip was the travel. I knew months in advance where and when I would be going, and so booked my trip 3 months previous to my departure. When I compared the price of what I paid for my return journey to what I would have paid the week of travel I saved £71. That's almost 80%! Here are the ways I saved the money:

  • the most money saving time to book a train ticket is 12 weeks before you leave, although this can be difficult if it is a last minute trip. However, you hear back about the residential volunteering with plenty of time to spare so this is not a problem. 
  • I always use thetrainline.com to book my tickets. I love this site as it is clear, easy to use and has some great savings. However, I don't just use one site, I access this through topcashback.co.uk, a cash back site, to make sure that I save even more money on my purchase
  • If you are going on a long journey (mine was almost 7 hours!) entertainment and food can be an issue. To buy food on the train costs a fortune, so I would suggest taking a packed lunch and plenty of snacks. If you're a tea jenny like me, a flask is also a must! Wifi is expensive on trains, so have a technology detox and read a book. Or if you need your comping fix, the latest issue of compers news!


2. Food 

I was forewarned that the place I would be staying was pretty much in the middle of no-where and that there were no shops in walking distance (I tried one day, but it took me over an hour and I had to phone a friend begging to be rescued outside a Tesco Express). I was also told that we wouldn't be able to get to the shops for a couple of days and to bring enough food to last until then. At first, I thought this would be a big hassle, but I used it as an opportunity instead. I am guilty of being the kind of person that does a few small shops rather than one big one per week. This often results in impulse purchases and buying things for dinner that night, when I have plenty of food in the cupboards (see previous post). By not having access to a shop, I would have to plan very carefully what I would be eating each night.

As well as careful planning practice, taking food with me meant that I could use up all the things in my cupboard that I had totally planned on eating, but always ended up replacing with something I knew I liked. Without the opportunity to replace these items, I would be forced out of my comfort zone and clear those cupboards. 

I completely emptied my cupboard and found a whole host of things I had forgotten even existed. Those new superfood health-craze will-make-you-superhuman cereal bars that tasted slightly funny. The tubes of seeds that I thought would be really handy for putting on cereal (but turned out to be great fuel after a day volunteering) and those instant rice packs that are for two people and so had been cruelly abandoned. Without the option of substituting these, I was forced to eat what I had, and discovered that coming out of my comfort zone really isn't a bad thing at all!

We managed to go to one supermarket while I was there, so I had to plan carefully what I needed. I couldn't buy too much as I would than have to lug it back to Scotland, but I needed enough the fuel me. It was a fine balancing act. In the end I went for lots of tinned ingredients, such as potatoes, carrots, tomatoes and soups (which often have the same nutrition of their fresh equivalents), a bag of rice and pasta each, and some meat and cheese. As well as my store-cupbaord favourite: baked beans. In the past, I have created loads of tasty meals from baked beans: check out the recipes here. By getting some store cupboard staples, and plenty that don't have quick use by dates, you can get really inventive and have some great meals without splashing out. In addition to that, the reserve was thick with brambles, so fresh berries were never a problem!




3. Fitness

One evening when I was minding my own business watching TV, I was bombarded with a fast paced advert telling me to stop relaxing on the beach on holiday and instead replace the one bit of relaxation I get a year with some ex-army guy shouting at me to do more push ups. And all this for just over £2,000 for a week. Bargain.

Instead, I went away for two weeks, got fit and actually enjoyed it. The accommodation was free, so were the tools and travel to the site each day. In fact, while I was there I only spent the £40 on food and gained so much more in experience! Each day we were out on the reserve, doing varied tasks each day so you were never bored. Path clearing, bracken bashing and butterfly surveys were just some of the tasks I was lucky enough to try. The first day, my arms ached in that great way when you know you've done some good hard work. Each evening I would come home satisfied and shattered, but at the same time feeling really rewarded. You could see the people who enjoyed walking their dogs round such a well kept green space, you heard the bird chirrup their approval of you maintaining your habitat and I knew that I was doing my part to help conserve the world we have. Beats endless laps round a muddy field any day of the week



4. The People

I have met some amazing people. One of the wardens, Dave, was such a laugh and really made my experience. From about the third day I had been landed with the nickname 'Ninja' (which became the only thing he called me, other than the shortened version - Ninj) due to my skills with a sharp blade among the bracken. He really was a fountain of knowledge and I learnt so much from him. I could abandon expensive wildlife books when he was around, because you knew he would already know the answer before you even registered that a bird had flown past.

As well as that, I was living with two other residential volunteers. This made for a great experience in the house in the evenings, learning about their lives and chatting about our similar passion for protecting the environment. To top it all off, I met a couple of Daleks when I got free entry to Weyfest 2016 to volunteer at the RSPB stand.What better holiday than that?


Find out more about getting involved with residential volunteering with the RSPB here. I sure know I'll be signing up again in future!

Luck and Love, 

Laurie

Wednesday, 8 June 2016

Mission Competition: Getting the Best Mobile Phone Deal


I used comparison site Befuddled to get the best mobile phone deals on my contract. It saved me a lot of money and time when looking for my new phone.



These days, it's not uncommon to look round a room and see most of the people on their phones. We are addicted to social media, messaging and keeping in touch with our friends - even if another friend is sitting across the table from us. Although not necessary for basic survival, owning a mobile phone is considered an essential to many, myself included. Therefore, it's something we will spend money on, but there is no need to break the bank to keep in touch. Below are my top three tips for saving money when getting a new phone deal.

1) Everyone's Different


Take a look at your lifestyle when looking into phone contracts. For my dad, who is new to the whole smartphone thing, mainly uses his phone in the house where there is WiFi, and only really uses it to call me and my sister, there would be no point in taking out an expensive contract with loads of data he wouldn't use. Instead we found him a great deal with unlimited texts (this comes with most contracts these days), 500MB of data (of which he still only uses about 300MB) and 500 minutes, and he only pays £7.50 per month. I pay over double that, but get 4 times the data. You just need to sit down and work out what the priorities are for you and your phone usage.

Keep an eye on your current contract, and ask in the store to get a breakdown of your usage. When I did this, it turned out I was going way over on my data each month, but only using a fraction of my calls - the exact opposite to my dad. Everyone uses their phone in a different way, and a phone contract is not one size fits all. Be specific with the shop assistant to make sure they know exactly what you want, and don't be pressured into buying extras that you know you won't use. If you are like me and likely to go over on data, get it capped. This means that once the data has run out, you cannot use it, and so won't get a huge bill in at the end of the month.

2) Research


My dad always had a great wee saying growing up, and it's one I live by a lot these days:


'The more you research, the luckier you get'

He mainly told us this when we were away on holiday, staying in a really amazing place at a bargain price. He had put in the hours before the holiday to make sure that we would be there and get a great holiday for our money. The moral of the tale is to always research options. This applies to looking for a phone deal too. There are some great sites out there, such as Bufuddled Mobile Phone Deals, which lets you compare phone deals, from iPhones to sim only, and also lets you compare the actual handsets so that you can see what one is right for you and where you will be able to purchase them at well known retailers.

3) Consider Sim Only


The previously mentioned Befuddled have a specific section for sim-only. Many people avoid sim only as they think it is more effort and more complicated than getting everything bundled up in a nice contract tied together with a bow on top. But, it can save you money, and so in my opinion is totally worth it.

On many monthly contracts, you are gradually paying off the cost of the phone through your monthly bills - although it may feel like you are getting the phone for 'free' at the original time of purchase. A sim only contract means that you are just paying for the sim and your monthly allowance. It is more flexible and affordable in many ways. It's ideal for people who already have a phone that they don't need swapped or upgraded (note the word need, not want) or if you manage to get a hold of a second-hand handset from friends or family.

A major benefit of a sim only deal is the freedom of not being locked into a 2 year contract - which can cost a lot of money to break if you need to get out early. I was on a 30 day rolling contract, which meant that I could leave with just a months notice. It can also be cheaper than Pay as You Go (especially for people like me who use loads of data) and you don't need to worry about running out of credit, as you know your monthly allowance.

So to sum up...

The main thing that I would consider when looking for a new mobile deal, is what do you need? Everyone uses their own phone differently, so get a plan tailored to you. Also, don't be afraid to shop around and look for better deals. If you particularly like one brand, you can tell them that the same thing is being offered elsewhere for a cheaper price, and they will often offer you a deal. Be brave. be bold and be clear on what you want.

For ways to make money on your new mobile, check out my blog post on Mobile Money here.

As always, I am keen to hear your opinions and money saving tips in the comments below. I feel we can always learn new ways to save!

Luck and Love,

Laurie

Monday, 16 May 2016

Make Your Own Granola: Money Saving Recipe



I am one of those people who just love breakfast. In fact, I could quite happily have breakfast for lunch and dinner too! In my opinion, one of the best things about staying at a hotel is the all you can eat breakfast in the morning! When I was recently at one of these, I discovered a new breakfast: fruit, natural yogurt and granola. A fairly healthy, yet filling, breakfast. However, when I got back home I was shocked to see just how much granola costs! Surely you would be cheaper to make your own? After a bit of research, I found the cheapest way to make your own granola:

Ingredients:

- 400g Supermarket Value Muesli (choose one with lots of fruit and nuts (11.8p/100g) )
- 150g Clear Honey (29p/100g)
- 2 teaspoon vanilla (90p a bottle)
- 3 tablespoons vegetable oil (9.5p/100ml)
- extra dried fruit to taste (sultanas - 16.8p/100g)
- 2 tablespoons Peanut Butter (optional) (18.2p/100g)

(all prices correct at time of writing and from Asda)

Method:

- Mix all the ingredients together in a large bowl
- Spread onto a greased baking tray (easier with grease proof paper)
- Bake at 150C or gas mark 2 for 10 - 15 min
- Take out and give it a good shake
- If you want to form clusters (the best bit in my opinion) carefully use a spoon to form some of the pieces into balls, as the honey should be runny and sticky at this stage. If the oats are not sticking, try adding some water.
- Bake for a further 10 min
- Leave to cool (if you can resist) and store in an airtight container



I worked out that this cost me about £1.20 to make, and a lot of the ingredients I already had in the house. This is around half the price of the ones in the shop, is so much fun to make, and you know exactly what is going into it and can adapt it to taste.

I hope you have fun making this recipe, comment below how you got on!