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Are you “tight” with your money?

66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger

A discussion on another thread prompted me to ask this:

How tight are you with your money, and what examples of being tight do you have? I’d like to hear your funny stories...

I never buy anything that’s not absolutely essential unless it’s discounted. So I’ll pay full price for bread and milk but that’s about it. I always look at the reduced section for stuff that’s near its sell by date. 

I also used to have 1 set of batteries that I’d switch between the TV remotes depending on which remote I needed to use, rather than putting batteries in all of them. Before some clever clogs pipes up: yes I know this just meant wearing down the one set more quickly! :smiley:

All that said I don’t see being tight as a bad thing, it is just being good with your money. If I have to throw my money around recklessly to be considered “normal” I’d rather not be normal. ;)

Replies

  • CressCress Member Posts: 498 Pioneering
    Theres nothing wrong with being careful with your money at all @66Mustang although the battery swopping did make me giggle.

    I'm tight with kitchen roll for some reason, any that has only been lightly used , say as a knapkin, I'll keep in a bag for picking up doggy do in the garden to flush.

    My son grabbed about half a role when he had a slight nose bleed...I was flabbergasted (I like that word)
    I told him I wouldnt have used that much if he'd chopped a leg off!

    Some things,I'll only buy branded, like persil, fairy etc. others I'll get the cheapest...
  • newbornnewborn Member Posts: 680 Pioneering
    Mustang and  Cress   (Love that mix of names!)  Both of you are my soulmates and at last we have come into our own, with Climate Emergency meaning that those who waste anything and who indulge in pointless consumerism of any kind are  now know to be wrecking our precious planet. 

    (I lived poor all my life, and any waste would simply not cross my mind.  I have been surprised at the idea of  buying 'wipes', or 'dusters',  for instance.  )
  • [Deleted User][Deleted User] Posts: 1,651 Listener
    66Mustang said:

    A discussion on another thread prompted me to ask this:

    How tight are you with your money, and what examples of being tight do you have? I’d like to hear your funny stories...

    I never buy anything that’s not absolutely essential unless it’s discounted. So I’ll pay full price for bread and milk but that’s about it. I always look at the reduced section for stuff that’s near its sell by date. 

    I also used to have 1 set of batteries that I’d switch between the TV remotes depending on which remote I needed to use, rather than putting batteries in all of them. Before some clever clogs pipes up: yes I know this just meant wearing down the one set more quickly! :smiley:

    All that said I don’t see being tight as a bad thing, it is just being good with your money. If I have to throw my money around recklessly to be considered “normal” I’d rather not be normal. ;)

    This winds me up immensely, define "normal"?! You have 2 arms, 2 legs etc, you can speak coherently, therefore contrary to the inane dribble spouted by Daily Fail readers, you as a disabled person ARE normal.


  • janer1967janer1967 Member Posts: 9,082 Disability Gamechanger
    I'm not tight with money but have been in the past when it was tight 

    However I do buy own brand items rather than branded and items on offer 

    I do look for bargains and buy of selling sites and 2nd hand if appropriate 
  • OverlyAnxiousOverlyAnxious Member Posts: 1,254 Disability Gamechanger
    Cress said:
    I'm tight with kitchen roll for some reason, any that has only been lightly used , say as a knapkin, I'll keep in a bag for picking up doggy do in the garden to flush.

    You're not meant to flush kitchen roll, it doesn't break up like loo roll does so can block sewage pipes.  :#

    I'm the opposite with kitchen roll, I get through tonnes of the stuff due to the OCD!  I just buy the cheapest Sainsburys one, 99p for a double size roll.  Also get through tonnes of loo roll due to IBS.  I'll have to start planting a forest at this rate!  :D
  • vikingqueenvikingqueen Member Posts: 341 Pioneering
        I'm as miserable as they come when it comes to spending money, why waste money on something you don't need  :D If I need it I will buy it. A lot of people ( including my daughter-in-law ) spend for spending sake, I've never understood having a house full of stuff and things that you'll never use... I can honestly say I have everything I need. But.......when it comes to my grandchildren money is no object  :smirk:
  • OverlyAnxiousOverlyAnxious Member Posts: 1,254 Disability Gamechanger
    edited January 15
    I'm definitely tight!  I've recently started trying to 'treat myself' with the PIP backpay that I got 6 months ago.  I'm buying things to make life easier (vacuum, laptop etc) rather than random unnecessary stuff, but still feel really guilty and uncomfortable spending the money!  :|

    I've only ever used free trials of Spotify and Amazon Prime.  Use OpenOffice rather than paying for MS Office.  Buy the cheapest printer ink I can (£4 posted the last 4 cartridges cost).  Don't put lights on unnecessarily and only put the washing machine and chargers on during cheap rate electric.  When buying any large items, I'll never pay full price, always using offers and discount codes and TopCashBack...  I'm also massively **** about the fuel economy on the car, keeping spreadsheets to see how it compares over the year and the average cost per mile etc.  I don't mind being tight at all, I'd even list 'bargain hunting' as one of my few hobbies!  :D

    (Edit - 1000 posts, woo!)
  • woodbinewoodbine Member Posts: 3,707 Disability Gamechanger
    According to senior management I'm tight, according to me i'm just careful, and if i'm brutally honest I couldn't careless about saving the planet, most of its beyond redemption anyway.
    My one tip for saving money is use "hotukdeals" .
    my advice is given freely and is correct to the best of my knowledge.
  • leeCalleeCal Member Posts: 3,352 Disability Gamechanger
    @OverlyAnxious I bought a mono laser printer for twenty five pounds years ago and I’ve never had to refill it. I was annoyed at having my Epsom printer ink drying up and paying out for new cartridges every time I wanted to just print one letter etc.

    i also tend to buy jumpers and shirts from second hand shops to save money, but I do cherry pick as far as labels go. 🙂
  • CressCress Member Posts: 498 Pioneering
    When I've been skint,  I've relied on family giving me stuff or buying second hand.
    But, when ive had stuff that is still in good condition and I'm just sick of the sight of it and want new ive always donated it to my local hospice.
    They make money, the person in need is able to buy for less and I dont suffer any pangs of guilt over getting rid of stuff that's perfectly fine.
    I never sell anything its always donated.
    I dont think people buying lots of stuff they dont necessarily need is bad if it can be donated or sold to someone else who cant afford new.
  • CressCress Member Posts: 498 Pioneering
    Ps, sorry if I've blocked any drains!
    Better stop that...lol
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    Thanks a lot for all of the posts, it’s really interesting to read the replies. :smile:

    I’m glad I’m not the only “careful” one here! ;)
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    edited January 15
    @OverlyAnxious interesting about the car stuff. MPG is actually one of the few areas where I’m not tight - I’d rather get 30mpg and have fun than 40mpg and not have fun - if anything if I wasn’t having fun but was getting more MPG I’d consider that MORE of a waste, as I’m still using petrol but not enjoying it! That said I do the same as you regarding keeping a detailed log of miles and cost and working out total cost per mile for all of my cars. 

    Congrats on 1000 posts!
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    edited January 15
    @vikingqueen I know what you mean about having everything you need. I’m not wealthy by any stretch of the imagination but I have every material thing I need. The benefit of being good with your money is that when something comes up that you DO need, the money is there to buy it! 

    PS I don’t have grandchildren but know how you feel as I like treating family members and buy them things that I’d never entertain buying for myself haha!
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    @cress really good point. I tend to use stuff until it’s completely unusable so rarely donate but I can see the benefit of donating if you can afford to do so.
  • vikingqueenvikingqueen Member Posts: 341 Pioneering

         @66Mustang being good with money is the key, too many  spend today and don't worry about tomorrow, my parents were born in the 20's so were brought up through poverty and the war and my dad always drummed it into me the importance of paying important bills 1st and if there was anything left then you were lucky  :D  His wise words stood me in good stead and I'm lucky I don't have to worry about bills even though I don't have much.
  • MarkN88MarkN88 Member Posts: 758 Pioneering
    I'm definitely tight!  I've recently started trying to 'treat myself' with the PIP backpay that I got 6 months ago.  I'm buying things to make life easier (vacuum, laptop etc) rather than random unnecessary stuff, but still feel really guilty and uncomfortable spending the money!  :|

    I've only ever used free trials of Spotify and Amazon Prime.  Use OpenOffice rather than paying for MS Office.  Buy the cheapest printer ink I can (£4 posted the last 4 cartridges cost).  Don't put lights on unnecessarily and only put the washing machine and chargers on during cheap rate electric.  When buying any large items, I'll never pay full price, always using offers and discount codes and TopCashBack...  I'm also massively **** about the fuel economy on the car, keeping spreadsheets to see how it compares over the year and the average cost per mile etc.  I don't mind being tight at all, I'd even list 'bargain hunting' as one of my few hobbies!  :D

    (Edit - 1000 posts, woo!)
    Could I get more information on Open Office and how it works?
  • OverlyAnxiousOverlyAnxious Member Posts: 1,254 Disability Gamechanger
    MarkN88 said:
    I'm definitely tight!  I've recently started trying to 'treat myself' with the PIP backpay that I got 6 months ago.  I'm buying things to make life easier (vacuum, laptop etc) rather than random unnecessary stuff, but still feel really guilty and uncomfortable spending the money!  :|

    I've only ever used free trials of Spotify and Amazon Prime.  Use OpenOffice rather than paying for MS Office.  Buy the cheapest printer ink I can (£4 posted the last 4 cartridges cost).  Don't put lights on unnecessarily and only put the washing machine and chargers on during cheap rate electric.  When buying any large items, I'll never pay full price, always using offers and discount codes and TopCashBack...  I'm also massively **** about the fuel economy on the car, keeping spreadsheets to see how it compares over the year and the average cost per mile etc.  I don't mind being tight at all, I'd even list 'bargain hunting' as one of my few hobbies!  :D

    (Edit - 1000 posts, woo!)
    Could I get more information on Open Office and how it works?
    It's basically the same as MS Office but free.  Has its own version of Word and Excel plus a few others.  There are probably a few less functions on OpenOffice but I've never found it a restriction myself.

    I think it only works on Windows PCs, not sure if it works on Apple or tablets etc.
  • OverlyAnxiousOverlyAnxious Member Posts: 1,254 Disability Gamechanger
    66Mustang said:
    @OverlyAnxious interesting about the car stuff. MPG is actually one of the few areas where I’m not tight - I’d rather get 30mpg and have fun than 40mpg and not have fun - if anything if I wasn’t having fun but was getting more MPG I’d consider that MORE of a waste, as I’m still using petrol but not enjoying it! That said I do the same as you regarding keeping a detailed log of miles and cost and working out total cost per mile for all of my cars. 

    Congrats on 1000 posts!
    Ah, well, that's the benefit of diesel...decent MPG no matter how hard you drive!  My 2.0 TDI didn't ever drop below 50mpg before Covid restrictions.  Ironically I'm now getting less mpg and not having any fun!

    Will be interesting to see how the 1.0 MHEV compares...I'm hoping for at least 40mpg average but only time will tell!
  • MarkN88MarkN88 Member Posts: 758 Pioneering
    MarkN88 said:
    I'm definitely tight!  I've recently started trying to 'treat myself' with the PIP backpay that I got 6 months ago.  I'm buying things to make life easier (vacuum, laptop etc) rather than random unnecessary stuff, but still feel really guilty and uncomfortable spending the money!  :|

    I've only ever used free trials of Spotify and Amazon Prime.  Use OpenOffice rather than paying for MS Office.  Buy the cheapest printer ink I can (£4 posted the last 4 cartridges cost).  Don't put lights on unnecessarily and only put the washing machine and chargers on during cheap rate electric.  When buying any large items, I'll never pay full price, always using offers and discount codes and TopCashBack...  I'm also massively **** about the fuel economy on the car, keeping spreadsheets to see how it compares over the year and the average cost per mile etc.  I don't mind being tight at all, I'd even list 'bargain hunting' as one of my few hobbies!  :D

    (Edit - 1000 posts, woo!)
    Could I get more information on Open Office and how it works?
    It's basically the same as MS Office but free.  Has its own version of Word and Excel plus a few others.  There are probably a few less functions on OpenOffice but I've never found it a restriction myself.

    I think it only works on Windows PCs, not sure if it works on Apple or tablets etc.
    Thanks so much!
  • [Deleted User][Deleted User] Posts: 1,651 Listener
    If you're like me and have a very restricted OS, try Word Online, I use it all the time.. In between swearing at Chrome OS for its lack of features that I need such as gaming and the ability to use apps such as Unity, GIMP, and Steam via Linux.

  • woodbinewoodbine Member Posts: 3,707 Disability Gamechanger
    I use chrome as my second choice OS as having a MacBook i use safari mostly, must admit I don't have any apps just never got into them even though many are free.
    my advice is given freely and is correct to the best of my knowledge.
  • Cher_ScopeCher_Scope Posts: 3,311

    Scope community team

    Great thread!  I think my other half wishes I was tighter with brass  :D

    In some ways I am...  the sight of a yellow whoops stickers gets me excited, I refuse to buy anything online without a discount code and most own brand stuff will do me just fine.  But compared to some people I know, I'm a big roller!  For instance, has anyone seen people re-use teabags 2 and 3 times?  :D No names mentioned but I have and lets just say that wasn't tea I had, but hot milk! 
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  • CressCress Member Posts: 498 Pioneering
    Great thread!  I think my other half wishes I was tighter with brass  :D

    In some ways I am...  the sight of a yellow whoops stickers gets me excited, I refuse to buy anything online without a discount code and most own brand stuff will do me just fine.  But compared to some people I know, I'm a big roller!  For instance, has anyone seen people re-use teabags 2 and 3 times?  :D No names mentioned but I have and lets just say that wasn't tea I had, but hot milk! 
    Been there done that....what's even worse is having to use powdered milk...little blobs of powder floating in the weak as water tea lol!
    Must admit it never occurs to me to look for discount codes...I'm flippin going to now!
  • woodbinewoodbine Member Posts: 3,707 Disability Gamechanger
    There is a great trick when shopping in the big supermarkets take coffee as an example, so there you are looking at half an aisle of the stuff, at eye level will be the top and most expensive brands because the big brand names pay tesco etc to be placed at eye level, coming down will be the supermarkets own brands considerably cheaper than the likes of nescafe, look down again and you will see the supermarkets cheap brands.

    Now if you usually buy everything thats pointed at your eye level and you do that with everything you buy simply by moving down to their own brands you will save around £10-£15 per week on a £100 shop thats upto £750 per year.

    But the best trick is to spot when the "named" brands come down in price and are as cheap if not cheaper than the "own" brand.
    So the moral of this long story is to shop with your eyes.

    Just think about it how often do you see ads for nescafe or the other well known brands? the answer is not very often because they spend the advertising budgets paying the big supermarkets to position their products where we will see them best and they spend £millions doing this every year.
    my advice is given freely and is correct to the best of my knowledge.
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    I'm very fussy with a lot of things and my daughter that i live with is even worse than i am. I'll only buy branded things, although with things like washing tablets/liquid, i'll buy the branded of what ever is on offer, so anything from Ariel to bold and fairy sometimes, especially when my grandson was a small baby.

    Furniture, well it always has to be the best of everything for me. If i want something i'll save for it until i have enough money for what i want. You pay for what you get and that's so true. I hate flat pack furniture more than anything and it has to be ready assembled and solid oak. Actually today i had my oakfurnitureland sideboard and tv cabinet delivered, i bought it in the black Friday sale and i'm very impressed by the superb quality. It looks stunning in my living room. Although it took me 2 months to decide which one to buy and where to buy it from lol.

    Buying things for myself like clothes or shoes etc then i don't often buy things like this. I do like slippers from next and will usually manage to buy a pair in the sale but i'll put them in wardrobe until i'm desperate for them. Sometimes, i put a date in my head and think "yes, i'll wear them on such a such date lol, my daughters laugh at me.

    There was a time where i could hardly afford to put food on the table to feed my children when they were small. Times were hard and i had no help from anyone and no family that i could turn to either. I value what i have and take pride in my home and it's contents.

    It's interesting to read just how different we all are.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • SeanchaiSeanchai Member Posts: 411 Pioneering
    As a young man I never had money to splash around .... my wage was £6 .1.10 a week ( i was an apprentice engineer for six years , working beside and doing the same work as journeymen , but they had ten times my wage . when my apprenticeship was up I had a chat with the manager who said I would get an extra £2 a week ,🙄 I asked him for my apprenticeship papers ...I eventually got them ....I went to another factory as a qualified maintenance engineer , and my first weeks wage was £200 a week . It felt like we had won the lottery .....but after a few months I moved onto another factory and I got £250 a week. My wife and i felt like millionaires ....but the kids are not long in using the money up.
    Now my wife and u are retired and every penny counts as we do not know how much we will be on each month.. When the factories and pits and foundries closed in the 80,s ...it was hard when all the guys I worked with , I used to meet at the job centre every week . I spent the next number of years helping people in the village who could not manage their gardens etc. .....Some nice person reported me for my volunteer work . I got questioned about it but I had nothing to hide...but they made me keep track of the jobs and where and when and what I had done for the previous week . Yep, I have been skint with a young family ....and there has been times when I was better off . I must add that my wife worked wonders with what little we had .
    I like a bargain ....but if I want something , I will be prepared to pay for it . my son got a beautiful summer house built in his garden by a pal who built summer houses. ...half the price of what the other builders are charging ...so i will talk nice to my wife but I suppose I will need to get rid of one of my other sheds first .🙄😣
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    @woodbine @poppy123456 yes I do similar to Poppy with branded products, often buy the branded stuff but whichever brand is on offer that week. Like you say Woodbine sometimes the branded product on offer is cheaper than the own brand!

    That said if there are no offers I will go for the own brand. 
  • 66Mustang66Mustang Member Posts: 4,622 Disability Gamechanger
    I’ll admit I’ve never reused tea bags :o I must be a high roller or whatever the phrase is :D 
  • OverlyAnxiousOverlyAnxious Member Posts: 1,254 Disability Gamechanger
    For instance, has anyone seen people re-use teabags 2 and 3 times?  :D No names mentioned but I have and lets just say that wasn't tea I had, but hot milk! 
    I used to have an elderly neighbour that did this (born in 1904)...she pegged them on a small washing line in the conservatory to dry!  :D
  • Ross_ScopeRoss_Scope Posts: 3,091

    Scope community team

    Great thread. 

    I'm a Yorkshireman, so it's in my blood to be tight with money :) 

    I always try to be cost effective where possible, it's good practice in my opinion.
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  • SeanchaiSeanchai Member Posts: 411 Pioneering
    I think it's a bit of a myth of Scots being tight , I have only met two men like that and without a doubt they must be the worst in the world at parting with money ....one fella will just not buy anything and the other fella will buy what he really needs but only if he gets a discount ..   He runs a business ....but don,t ask him for a discount 🙄😣
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    edited January 16
    For instance, has anyone seen people re-use teabags 2 and 3 times?  :D No names mentioned but I have and lets just say that wasn't tea I had, but hot milk! 
    I used to have an elderly neighbour that did this (born in 1904)...she pegged them on a small washing line in the conservatory to dry!  :D

    :D:D that was funny. Thanks for that laugh.
    Community champion and proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice i have given to members here on the community.
  • [Deleted User][Deleted User] Posts: 1,651 Listener
    Great thread. 

    I'm a Yorkshireman, so it's in my blood to be tight with money :) 

    I always try to be cost effective where possible, it's good practice in my opinion.
    By the same token, I'm as Yorkshire as you can be and I'm almost always skint! Because I'm buying Lottery tickets from Tesco or digital games on Xbox.


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