Tag Archives: saving

April update

I can’t believe it is April already! The first few months of 2017 have certainly been interesting and my plan to reduce debts as well as have a ‘free’ Christmas could have totally gone to pot. Luckily, it is starting to work out again and I can get back to saving, clearing debts and blogging. 

Christmas savings

I am saving well. So far I have:

  • £130 Love2Shop vouchers
  • £120 Asda vouchers
  • £19 Morrisons vouchers 

I also have money saved on my Nectar card and Advantage card but I’m not going to count those at the minute as they are minimal. 

I am really happy with these figures but I definitely need to work on the Morrisons vouchers, last year I had over £70. 


I’m still paying off my debts. I am currently working on one that started at £269 and it is now down to £160. I’m really happy with this as I am paying it off with money that I make on eBay. All I need to do now is work hard on selling things on eBay as I have become a bit slow about it since my job changed. My target to get it paid by 28th May is still very much on track. 

The plan for April

It’s simple. Get everything on eBay. Make money. Pay debts. And blog! 

Follow me on Twitter @moneysavemum


What a couple of weeks! 

Oh my days. It has been a fortnight and a half! From being ridiculously happy I had paid another chunk of my debt off, to then being told my job no longer exists, to starting a new role (albeit in the same company) it has been a bit of a rollercoaster of emotions!

Work wise – the new job could be amazing, I miss my spreadsheets already but maybe it was the push I needed to do something new. 

Debt wise – I paid off another £47 since my last post. Money made from using TopCashBack and eBay. 

This brings the next debt down to £125 when due on 28th May. I’ve got a nice little countdown app on my phone that shows how long left until my deadline for the next three debts and also how much it was when I started it in January. 

Having a quick peek at it keeps me motivated. The past events page is the best though!

eBay sales were rather rubbish this weekend, it seems suit jackets are quite hard to sell! But onwards and upwards for next week. Even if I only pay off another £5 from my debt I’ll be happy. 

I will be debt free regardless of what life throws at me!!!

Follow me on Twitter @moneysavemum 

Tackling debts

I mentioned a few posts ago that my main aim this year is to get rid of my debts. I’ve been sitting on these debts for years, slowly plodding along and paying the minimum each month. It’s easy that way and I don’t really have to think about them. But one day I want my own house (the biggest debt I will ever have!) and to get that I have to get rid of my debts. 

At the beginning of the year I found out how much I owe in total. It was scary! Over £5000 in debts! And nothing really to show for them. 

I know people say get rid of the biggest debt first but that would mean I wouldn’t see any movement for at least six months. So I looked at the debt with the least left. £86. That’s achievable. So I set out to have it paid off by February 28th. 

To make the money I need I used TopCashBack; I enjoy shopping online but I enjoy getting cashback more! £25 of savings and eBay. I made enough money even after postage and fees to pay this first debt by 13th February. Two weeks early! I was so happy and it confirmed that I could do this. 

My next debt is due to be paid on 28th May and by then it will be £179. I have started collecting sales from eBay again and I have some more cashback I can use. As this is more money than the last one I have decided to pay it off little and often to make sure that I don’t spend the money elsewhere and stay motivated. Today I paid £10 so now it will be £169 by 28th May. Another £14 should be paid in the next few days too when it reaches my account. 

The overall plan is to reduce my debt by 50% this year without having to compromise. 

And I’m going to do it. 

Follow me on Twitter @moneysavemum

I Did It!!!


Debt one has been paid! And it was 14 days earlier than my target date!



I have spent so much time literally staring at a spreadsheet that shows all of my debts and how they decrease over the year wondering if I can actually hit my targets when, on Sunday, my eBay items sold well enough that I had made enough money to pay my first debt.


Now this debt was £80. Most people will think that’s not a lot of money and would be easy to pay but for me it’s a figure I just didn’t have spare. I generally budget well each month but there is always something that pops up that I wasn’t expecting, this month it was a gymnastics competition entry fee, so there is never really anything spare to put towards my debts. Obviously, I’m paying them off slowly with monthly repayments but I really want them gone quicker than that.


To pay this first debt I used £11 that I made from TopCashBack, £20 savings and the rest was from selling things on eBay. I’m really enjoying this at the moment and it is also encouraging me to have a good clear out. For every one item that ends up on eBay another 5 items are donated to our local charity shop too!


I’m going to keep on top of the clearing and selling as I still have another three debts I would like to get rid of this year. This next one is £179 and I am giving myself until 28th May to earn and save to pay it off. I have confidence that I’ll be able to do it too!


Now it’s just waiting for the letter to arrive that tells me that the debt is settled. That’s a fantastic letter to receive!


Have you found an easier/better way of earning money to save or pay debts? Let me know, I would love to hear your ideas!


Follow me on Twitter @moneysavemum


Ultra cheap tomato soup recipe

OK, so I thought I would try something a bit different today.

One big expense that I have cut out this year is the work lunch. I was basically too pre-occupied in a morning to think about what I would eat for lunch so would often end up at the local sandwich shop for my favourite bacon, brie and lettuce baguette. Yes, it was yummy, but once I had added the afternoon snack I was spending over £4 a day. That’s around £80 a month! Ridiculous! So I now take my lunch with me. I mainly have leftovers which I love, or take a couple of eggs and bread for scrambled egg and toast.

One thing I love though is homemade soup. It’s just so easy to make and cheap too. I make it in bulk so I only have to cook for work lunches once a week.

One of my favourites is a simple tomato and chilli soup. I make four servings and it costs me about £1.40 in total! It’s thick too so I don’t have to have bread with it, the soup itself is enough to fill me up.

So here is the recipe for my super cheap super nice tomato soup (prices are from Asda)


Three carrots – 9p each
One Onion – 8p
Two vegetable stock cubes – 4p each
1.5 litres of water
1kg passata – (a box from Asda is 500g for 39p!)
Dash of Olive Oil – 5p
Teaspoon of sugar – 8p
Crushed chillies – 5p
Handful of fresh basil leaves, chopped – 15p


  1. Roughly chop the carrots and onion
  2. Add a dash of olive oil to a large pan and add the carrots and onion
  3. Fry for a couple of minutes and keep stirring to avoid burning
  4. Boil the kettle and add 1.5 litres of water and two vegetable stock cubes to the pan
  5. Add both boxes of passata
  6. Bring to the boil and then lower the heat to simmer for around 30 minutes or until the carrots are soft and the liquid has reduced down by about a 5th (on my pan its an inch below where the liquid started)
  7. Remove from the heat and start blitzing with your hand blender
  8. Add a teaspoon of sugar and the a sprinkle of crushed chillies if using
  9. Keep blitzing until there are no lumps of carrot left
  10. Add the chopped basil leaves if required and stir through
  11. Split the soup between 4 soup containers

And that’s it! When the soup has cooled you can freeze it for another day or refrigerate if eating within two days.

The soup containers I use are from my local pound shop and the cheapest hand blender I have found is at Wilko for £4.75!


My bargain soup cups! unfortunately I don’t have a picture of my tomato soup because I ate it all!

I would love to hear your reviews on the recipe.

Follow me on Twitter @moneysavemum

New Year New Start

I started last year saving well and blogging regularly about how I was getting on and ways to save and earn money. Unfortunately as the year progressed although my saving was still on track I lost sight of the blogging element.

So, after a month to reset, the saving is back on course and blogging has started.

As last year I managed to save so well for Christmas (£100 worth of alcohol, £400 worth of food, computer consoles, board games, scooters, all paid for with my savings) I’m trying two things this year.

  1. Save for Christmas
  2. Pay off debts

Christmas saving will pretty much be the same as last year. I want £150 minimum in vouchers, £500 for food and alcohol. Paying off my debts will be harder.

In my youth, before the recession, when banks threw money at you from the moment you turned 18, I embraced it. Credit cards, loans, overdraft, store cards, I had them all. And when I was struggling to pay the banks simply upped my limit or gave me another loan to pay a card off. Now I’m not blaming the banks, I am at fault but there has to be some sort of responsible lending issues going on to.

Now I have been with a debt management company for some time, slowly paying off my debts. I could have gone down the route of bankruptcy and all of my debts would be forgotten by now but this was my mess and I was responsible for fixing it.

I have paid of a number of debts over the years but I still have some to go. So, with this in mind, I am utilising websites such as eBay and TopCashBack to earn money to pay these debts.

I’ll blog again and go into more detail with regards to the debts but I am currently looking at getting an £86 debt paid as soon as possible. A lot of people will think £86 is not much and why don’t I just get it paid, but its not that easy when you budget your monthly pay pretty much down to the pound. I have already saved to pay this debt and earned a bit more. The original plan was to have it paid by April 1st but I am now planning to have it paid by February 28th.

£68 has been earmarked for this debt so far so less than £20 to go. I have things selling on eBay so there is even the possibility of paying this debt before the 28th if things sell well.

A quick rundown of my Christmas savings too are:

Asda £40.00
Park £40.00
Boots £16.16
Nectar £23.29
Morrisons £8.00

I’m pleased with this start.

My items I’m selling on eBay can be found here.

A new blog will be coming soon! I promise!

August Update

August has come and gone so time for another update!

So far I have:

Love2Shop vouchers – £185.89

Asda vouchers – £275

Compliments vouchers – £40

Morrisons vouchers – £55

Boots points – £12

Nectar points – £22

This month I should increase my Asda savings to the £300 mark – I really want around £400 for the Christmas shop. I am also due a £5 Morrisons More voucher this month and my Bounts are adding up even if I have had a rather lazy month!

Christmas present wise, my Niece’s is now complete, I have a good list going on of what else I need to get so now the kids are back at school its all go!
Follow me on Twitter @moneysavemum