Browsing Tag

saving money

Lifestyle, London

The Londoner’s guide to savvy shopping

June 12, 2015
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Everyone and their mothers know how expensive living in London is these days. It’s something that is widely covered in the news, as the housing prices soar higher than ever before. If you don’t have to look at price tags when you go shopping, that’s all well and good but unfortunately, that’s not the reality for the majority of us, common mortals.

Most of us have to live with the money from our paychecks, make the most of it and try and save some for the future… which is not always possible. But that’s another conversation for another time. Right now, I am interested in talking about the ways you can make your life easier and still have nice things without having to get into debt or eat bread and water. So, what can you do to get more for less (or “more bang for your buck” but I hate that expression so I’m not using it)?

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Lifestyle

Saving Money is Hard Work!

December 14, 2014

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One of the things that have been on my mind lately is the need to save money. It’s great to spend money on oneself and go out but saving some cash for emergencies or that new camera I desperately need is also necessary. Living in London is great – all the things you have access to is amazing and you feel like you live at the centre of the world but that does come at a price, which means there isn’t a lot of spare cash at the end of the month.

A lot of the articles one sees around suggest things like stop buying that expensive Starbucks coffee every day or stop going on shopping sprees, to name a few suggestions. They are of course, extremely valid but the problem is, I don’t really do any of these things. I hate coffee and I know I can’t go on shopping sprees because I just can’t really afford them. I take the tube or the bus everywhere, I do my own nails as well as cut and dye my own hair. Where can one cut down without having to spend the whole time locked away at home? What other habits can I do away with to try and save a few more pennies?

I found this little widget the other day, that does help have an idea of how much your habits cost. Having the bigger picture is a little bit daunting. I do have the bad habit of not taking a packed lunch with me to work – mainly because I don’t always go home in the evening due to social commitments but it does motivate me to do it more often when I see the actual figures of how much those £5.00 per day amount to at the end of the month or the year. £150 per month and £1825.00 in a year is not something to snub – it would be enough for me to go on holiday, for example.

What habits have you cut down on to help you save money? I want to know!

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Last minute: I’m joining the Great British Budget challenge in February!

January 31, 2014

Join the Great British Budget Challenge
It’s unusual for me to make 2 posts in one day but I was just invited to join a group of other fantastic bloggers in the Great British Budget challenge. This is a campaign organized by the folks over at yourwealth.co.uk and design to encourage people to learn to budget and save money.

As you may have read on my New Year’s resolutions post, it is one of my objectives for the year to reduce my consumption of clothes, shoes and beauty products in general and save more money for travelling. This year I want to go home to Portugal, visit my sister in Barcelona and visit Berlin as I won 2 nights at the Westin Grand hotel and I’ll definitely need to take advantage of them. So this came just in the right time. In January I managed to save £100, in February I want to save £200 or more.

Fortunately I don’t have any debt to pay off but I do need to be more careful with my money and change my priorities. I never got a credit card because I work in debt management and I have the idea that for someone who is financially disorganized like me they are the devil. (Who am I trying to fool? I’m pretty disorganized with a lot of things.) The reality is, I don’t need a new pair of shoes every month – I have too many already and I’m drowning in clothes.  It’s embarrassing, really.

So this is how it’s going to be: I’ll continue to not spend any money on clothes and will avoid spending money thoughtlessly, as I tend to do it often. the pennies do add up and sometimes I lose track of how much money I spent just on stupid small things… Hopefully I’ll still be able to enjoy a lot of good things (trips to London, eating out once or twice) and still leave money in the bank, if I’m smart.

I’m really looking forward to learning all the money saving tips from all the other fantastic bloggers that will be joining the Expert panel – I will surely need them! We will also be receiving emails with updates and motivation.

The bit that’s convinced me to join the campaign was the photo challenges. What a fun way to share tips and ideas on social media and to get to know new bloggers – my social media online marketing executive alter ego is loving the idea.

Gotta love some social media action and the chance of winning shopping vouchers. Join me in this challenge, it’s going to be fun and thrifty!

PS: I didn’t get paid to do this post, just offered a complimentary bottle of bubbly. I joined the campaign because I believe it will help me and other people!

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Is it too late to talk about resolutions?

January 10, 2014

With all the travelling I didn’t have time or opportunity to write about my resolution for this year. After my savings have been depleted by travelling, shopping, driving lessons and replacing my old computer, it is now time to fill the pot again.

The wardrobe is bursting at the seams and needs some streamlining. For that reason I am not buying any clothes this year. That’s right. Not even those 99p bargains from Ebay. Reason being, I have no more space and I don’t really need a new pair of shoes (even if second hand) every week. I have plenty of items that still haven’t had a proper opportunity to shine either!

So,this is what is going to happen:

-I’m not buying clothes (unless it is something that needs replacing like tights and the such). The only exception will be when I am travelling as I always like to go shopping in other places. It should be the only indulgence I will allow myself.

-I’m not buying any fashion magazines either. I usually buy a few when I take the train but I should actually read the books I have been hoarding away and stop cramming my room with magazines. I usually cut them up and make clipping books out of them but I have no time for that.

-I’m going to try and alter some of the clothes I already own and hopefully learn how to sew properly, so I can make my own clothes.

-I’m not buying any more makeup unless it is something that needs replacing (like eyeliner, which I wear every day). I think I have eye shadow in all the colours of the rainbow and some more already.

-I’m not buying any more nail polish. I have all sorts of colours and shades, and only 20 nails to paint each time. I’d have to be a millipede to be able use all the polish I have in my lifetime.

-I’ll try to do clothes swaps as much as possible, as getting new different things is always interesting and exciting. the fact that I am attending one such event tomorrow at ASOS was synchronicity at its best (expect the full report next week).

-Be more realistic with my style and donate more clothes this year.

– In less words, enjoy what I already have a LOT more.

What are your thoughts? Any suggestions on how to get through this?

Outfit details: Beret – American Apparel (present from Linda), necklaceHead Full Of Feathers (from the Blogcademy goody bag), Stripy top – H&M, Dress – on sale in some mall in Florida, Cardigan – Bershka (I’ve had it for years, it has little mushrooms on it <3), Tights – Kohl’s (90 cents of a dollar), Sneakers – House of Holland x Superga (via Ebay), Nail Wraps – Models Own

Photos by Filipa, on our lunch break.

PS: I am adding this post to Sacramento’s Share in Style at Mis Papelicos – the theme this time is favourite colour – red white and blue is one of my favourite colour combos (so I keep saying too!)