March 2021 update

After my ever-so-late-in-the-month update for February, I told myself to be better prepared.

So, on the day the clocks went forward, I made a start on my March update. This will hopefully help me remember some of the things that have occurred too.

Earlier in the month, when I was picking my son up from work, I went over a speed bump and heard this loud crack. I was only going slowly so was pretty surprised but when I parked up and took a look around I couldn’t see anything wrong.

A little while later I was hearing this metallic clanging sound occasionally coming from where I heard the sound. Driving around one of the bumpy country roads the other day I heard something fall off and bounce along the road, when I went back and looked I found part of the coil spring had come off 😦

At least it explains the noise but I don’t fancy the repair bill which will be several hundred pounds.

I have been looking at moving to an electric car, with the MG ZS EV being the target of my attention but the difference between the asking price, even for an ex-demo, and my car is too great and the break-even point would be too far off.

No doubt I will revisit this in time though as I’m keen to reduce my impact on the environment. Talking of this, I watched a documentary on Netflix the other day called Seaspiracy and it was shocking to see the impact of fishing on the environment. Needless to say, I have now cut fish from my diet and got myself a supply of plant-based omega-3 – interestingly, omega-3 is only present in fish due to them eating these algae, I never knew that!


Have you watched Seaspriracy? What are your views on this – do you think the views are biased or are you glad that the issues are getting more attention?


Finishing on a positive note, the gym reopens on the 12th of April and I can’t wait!! It has been fine working out at home and I’ve noticed some gains but I also need the classes (restarting in May) to help shift some Covid pounds.

Additional Income Streams

  • Matched Betting £-80 (Feb £232)
  • Surveys/studies £8.79 (Feb £0)
  • Amazon FBA £0 (Feb £30)
  • TopCashBack £0 (Feb £0)

Matched betting went a bit sideways this month, the loss was due to part of a matched bet not being accepted. I usually make sure the lay bet is accepted before flipping on to the bookie’s site to place the back bet, this time however something must have happened that prevented the lay which I didn’t notice.

Allow the loss looked big, it was £120, it wasn’t money from my pocket as it was profit from previous months so “just” paper money. I would have preferred not to have lost it but it’s another lesson learnt.

I use a service called Odds Monkey to help with my matched betting, I’ve been using them for several months now and find the tools they provide to be essential in making a profit. If you are interested then drop me a message or you can sign-up via my affiliate link – OddsMonkey. The great thing is you can do as much or as little as you like and it fits around your life.

No sales on FBA this month as all my stock has been sold. I’ll be keeping an eye out for any more price reductions and bargains though…

How did I do in March?

Assets

  • Emergency Fund £2,446.58 (Feb £2,226.39)
  • ISA, Freetrade £3,009.24 (Feb £2,924.52)
  • ISA, Hargreaves Lansdown £2,913.33 (Feb £2,783.11)
  • Pensions £107,559.23 (Feb £103,498.91)
  • SAYE £510.00 (Feb £480.00)
  • House £360,099 (£350,883) *Nationwide HPI 2020 Q4

Liabilities

  • Student Loan -£3,158.16 (Feb -£3,376.77)
  • Mortgage -£190,069.79 (Feb -£190,464.67)

Total Assets (excluding house) – Total Liabilities = Net Worth
£116,438.38 – £193,227.95 = -£76,789.57 (Feb -£81,928.51 )

Month-on-month

This month, I have decided to replace the tracking of my payments against my student loan. At my current rate of repayment, I should be able to clear the loan within 18 months. The interest rate is 2.6%, less than my mortgage, but I am focussing on the loan so that I can then turn the monthly payment against my mortgage in time.

Next month I’ll include my Freetrade General Investment Account (GIA) as I’ve got a few free shares in there plus I’ve just added Alibaba which is like the Chinese Amazon. They are massive in China owning nearly 60% of the eCommerce market share there, that’s compared to just under 40% of the American market owned by Amazon. They are different though as Alibaba are primarily a B2B company whereas Amazon is a B2C.

I’ll also try to remember to include some graphics for my other portfolios; income, and tech.

Some may say that tech is a risky market to be in but working in that sector, I have a pretty good understanding of good companies that will be around for a while and those that won’t stick.

Future Fund

My Future Fund is continuing to march in the right direction. If I have another couple of months growth like this month’s then I could be seeing £120k sooner rather than later.

Dividends

A great month for dividend payments this month, still tiny compared to other people but my portfolio is still in it’s embryonic stage really.

Guest Post

Just in discussions with another blogger so I should hopefully have a new guest post next month or May.

If you are interested in writing a guest post for my blog, you can reach out to me via the contact page or by taking a look at the let’s work together page – it would be great to hear from you!

Vanity Metrics

These are metrics which serve me no purpose other than to see progress, or lack of, in the social media universe.

I have reappeared on Modest Money so I am able to compare stats again, hopefully on a consistant basis.

Alexa ranking: #6,700,360 (Feb #6,700,360)
Twitter followers: 437 (Feb 437)
Blog followers: 48 (Feb 46)

February 2021 update

I’m super-late publishing my February update and as a consequence, I can’t remember much to talk about for the month so I’ll crack straight on with things…

Additional Income Streams

  • Matched Betting £232 (Feb £30)
  • Surveys/studies £0 (Feb £5.82)
  • Amazon FBA £30 (Feb £37)
  • TopCashBack £0 (Feb £8.81)

The matched betting profit was exceptional compared to recent months, I made more bets and also took advantage of bet clubs and other offers. I think over the winter months I didn’t feel much like spending time in the evenings looking at bets and opted more for Netflix.

I use a service called Odds Monkey to help with my matched betting, I’ve been using them for several months now and find the tools they provide to be essential in making a profit. If you are interested then drop me a message or you can sign-up via my affiliate link – OddsMonkey. The great thing is you can do as much or as little as you like and it fits around your life.

FBA profits for February were made from the final sales of the items I sent in January. There was more competition in February which meant I needed to drop the sale price to shift my items, despite this I still was able to make a reasonable profit.

How did I do in Febraury?

Assets

  • Emergency Fund £2,226.39 (Jan £1750.00)
  • ISA, Freetrade £2,924.52 (Jan £2899.28)
  • ISA, Hargreaves Lansdown £2,783.11 (Jan £2,849.54)
  • Pensions £103,498.91 (Jan £100,040.25)
  • SAYE £480.00 (Jan £420.00)
  • House £360,099 (£350,883) *Nationwide HPI 2020 Q4

Liabilities

  • Student Loan -£3,376.77 (Jan -£3,516.77)
  • Mortgage -£190,464.67 (Jan -£190,422.22)

Total Assets (excluding house) – Total Liabilities = Net Worth
£111,912.93 – £193,841.44 = -£81,928.51 (Jan-£ 85,979.92)

Month-on-month

I reached a milestone this month, my Emergency Fund passed the £2,000 mark, next up is to achieve enough money to cover one month of expenses.

The Emergency Fund is now made of NS&I Premium Bonds, fund investment and cash.

There is a fair bit of discussion around what one should do with their EF cash. For me, the main attributes of my EF are that the money needs to be accessible within a few working days and that it needs to be set to work. The fund part of my EF is the “riskiest” but I am comfortable having it there earning dividends and potentially growing in value too.

This month’s pension figure includes Mrs Frugalist’s Nest pension for the first month which makes the pension gain look a bit nicer 😉

Future Fund

The main increaset this month is from the introduction of the Nest pension rather than any decent growth in the main pension.

Dividends

Above average dividends for this month, I’ll need to revisit the investment details so I can forecast when to expect further payments.

Guest Post

If you are interested in writing a guest post for my blog, you can reach out to me via the contact page or by taking a look at the let’s work together page – it would be great to hear from you!

Vanity Metrics

These are metrics which serve me no purpose other than to see progress, or lack of, in the social media universe.

I have reappeared on Modest Money so I am able to compare stats again, hopefully on a consistant basis.

Alexa ranking: #6,700,360 (Jan # 4,267,238 )
Twitter followers: 437 (Jan 382)
Blog followers: 46 (Jan 44)

January 2021 update

January was a really quiet month in most aspects of my life. It started off with the back-to-work blues, then my wife caught COVID-19 from work and a week later I caught it too. The worst part of it for me was the tiredness which lasted two to three weeks. During that time I didn’t really feel like doing much so things like matched betting took a backseat (which you’ll see further down the post).

What could have been a large outgoing this month turned out to be not so bad. My car was due it’s annual service and MOT at the end of January but instead of paying the £450 for the service by Volvo, I used Spencers, an independent garage in a nearby village, and paid just £145 for both the service and MOT.

One of the good things about becoming more financially aware is that I budget each month for expenditure such as the above so there wasn’t a moment of panic or a compulsion to reach for the credit card!

Additional Income Streams

  • Matched Betting £30 (Dec £51)
  • Surveys/studies £5.82 (Dec £5.72)
  • Amazon FBA £37
  • TopCashBack £8.81 (Dec £13.06)

I use a service called Odds Monkey to help with my matched betting, I’ve been using them for several months now and find the tools they provide to be essential in making a profit. If you are interested then drop me a message or you can sign-up via my affiliate link – OddsMonkey. The great things is you can do as much or as little as you like and it fits around your life.

My FBA profits came from two different items that I sent in having purchased them before Christmas. There were multiple units of each item, one of which has now sold out and the other is close to selling out too. I’m not going to disclose what the items are as they seem to be good sellers and I’m on the look on for further deals on them.

One item provided me with a 39% profit on a sales value of £16.96, and the other gave me 47% on £6.65. That’s not bad after the UPS fee and the FBA fees have been paid.

How did I do in January?

Assets

  • Emergency Fund £1,750 (Dec £1,500.00)
  • ISA, Freetrade £2,899.28 (Dec £3,611.82)
  • ISA, Hargreaves Lansdown £2,849.54 (Dec £2,713.38)
  • Pensions £100,040.25 (Dec £98,995.33)
  • SAYE £420.00 (Dec £420.00)
  • House £360,099 (£350,883) *Nationwide HPI 2020 Q4

Liabilities

  • Credit Card £0 (Dec -£950.99)
  • Student Loan -£3,516.77 (Dec -£3,656.77)
  • Mortgage -£190,422.22 (Dec -£190,092.68)

Total Assets (excluding house) – Total Liabilities = Net Worth
£107,959.07 – £193,938.99 = -£85,979.92 (Dec -£87,459.9)

Month-on-month

There was an adjustment to the value of my Freetrade ISA as I reallocated some funds.

I added £200 of NS&I premium bonds to my Emergency Fund this month, the rest of the month’s contributions remains in cash.

The good news is that I managed to clear the balance on my final credit card this month which frees me up to pay extra into my EF or pay down my student loan. It’s a great feeling to know I no longer have any debts owed to credit card companies 🙂

Almost forget to include Mrs Frugalist’s SIPP in the calculations as this is the first-month showing payment. I’ll have to look into her Nest pension organised by her company and get that added in next month.

Future Fund

Still moving in the right direction but gains on the smaller side this month.

Dividends

A lack of dividends paid this month looks naff but a payment for February sneaked its way into the screenshot!

Guest Post

If you are interested in writing a guest post for my blog, you can reach out to me via the contact page or by taking a look at the let’s work together page – it would be great to hear from you!

Vanity Metrics

These are metrics which serve me no purpose other than to see progress, or lack of, in the social media universe.

I can’t compare January to December using Modest Money as my blog appears to not be listed but these stats come from Alexa, Twitter and WordPress instead.

Alexa ranking: #4,267,238 (Dec #1,298,570)
Twitter followers: 382 (Dec 295)
Blog followers: 44 (Dec 29

December 2020 update

Just a few things of interest this month that impact my finances and work, and decent form by Norwich City at the top of the Championship, make it a month that I am reasonably happy with.

Tyres for 20″ wheels int cheap!

As all my money has a purpose each month, I utilised my Emergency Fund (EF) to cover the cost of two new tyres for my car. The reason for using the EF is that I keep next to no money in my current account, pretty much just what I need for groceries and petrol.

The company I bought the tyres from are based in Andorra so to protect myself I paid for them using a credit card and then immediately paid the balance off with the EF money. There were some indifferent reviews on the web but I have no complaints at all, the order process went fine and the tyres arrived three days later.

With work, I received my variation of contract making me a permanent home worker. Some of my office-based colleagues may say about costs increasing by WFH but the heating is still going to be on at the same times as my kids and wife are home at different points during the day. Electricity will increase slightly and the broadband bill will remain the same.

My company will be paying me £26 expenses per month directly to help offset WFH expenses, this is pretty handy as it means I will not have to make a claim to the Inland Revenue myself.

Additional Income Streams

  • Matched Betting £51 (Nov £137)
  • Surveys/studies £5.72 (Nov £10.21)
  • eBay £37
  • TopCashBack £13.06

The eBay income came from the sale of our old TV which had a broken screen (teenager + game console!). The guy who bought the TV wanted it to repair his broken unit so I felt happy with this sale as it helped prevent two TVs going to landfill. The proceeds went to help pay down my credit card bill 🙂

How did I do in December?

Assets

  • Emergency Fund £1,500 (£1,150.80)
  • ISA, Freetrade £3,611.82 (£3,546.79)
  • ISA, Hargreaves Lansdown £2,713.38 (£2,682.73)
  • Pensions £98,995.33 (£97,194.47)
  • SAYE £420.00 (£390.00)
  • House £350,883 (£350,883) *HPI current valuation

Liabilities

  • Credit Card -£950.99 (-£1,728.26)
  • Student Loan -£3,656.77 (-£3,806.77)
  • Mortgage -£190,092.68 (-£189,487.04)

Total Assets (excluding house) – Total Liabilities = Net Worth
£107,240.53 – £194,700.44 = -£87,459.91 (-£90,057.28)

Month-on-month

Not so much added to my FreeTrade ISA this month as I bulked up my emergency fund and paid a bit more than usual off my credit card.

My plan to clear the credit card debt in January might be pushed back to February now although it depends on additional repayments I can sneak in next month.

The pension contribution reflects an additional one per cent, that coupled with a new Vanguard SIPP I opened for Mrs Frugalist means that we are now putting 15% of our household income into pensions. That’s another personal milestone met 🙂

Future Fund

It’s nice to see the graph continuing to move up & right, this month’s gain puts me quite near the £110,000 mark and is a good way to end the year. Just over half of the gain is from the inclusion of my Hargreaves Lansdown ISA which was missing from last month’s FF.

Dividends

A late flurry of dividends this month gave me a nice fuzzy feeling as payments crept past the £8 mark for the month.

It’s nice to look ahead to the prospect of seeing how 2021 payments compare to 2020. Who knows what they will look like as amongst many things the economy will continue to be influenced by COVID-19 and also the departure from the EU.

Looking ahead to 2021

I’ll share my review of 2020 shortly and also my plans for 2021. I’m going to try and concentrate on the processes required to meet my goals rather than just the goals themselves, I think this level of planning will help with my motivation.

Guest Post

This month I had the opportunity to share a post from Martin at Studenomics, he shares his thoughts on what to look for in your first side hustle – things to watch out for and how to choose the right one.

If you are interested in writing a guest post for my blog, you can reach out to me via the contact page or by taking a look at the let’s work together page – it would be great to hear from you!

Vanity Metrics

These are metrics which serve me no purpose other than to see progress, or lack of, in the social media universe.

Alexa ranking: #1,298,570
Twitter followers: 295
Blog followers: 29

Frugal Friday – #3

Quick one this week as it’s Christmas Day!

I’m talking today about a saving I’ve made in my health life, with a voucher code it works out at an even better deal 💷

One of my friends at Bannatynes is an instructor and personal trainer (PT) and we had been talking on and off for ages about nutrition. It’s taken me a while, but I recently bought a customised meal plan from him which is working really well.

Before Tom created this plan for me, I gave him a few ideas of things I like so that he could try and integrate them. Amongst those is Grenade Carb Killa protein bar.

Carb Killas come in some great flavours including Jaffa Quake, Dark Chocolate and Raspberry but my absolute fav is Chocolate Chip Salted Caramel.

Proper decent flavour!

As much as I love these bars, they are like £2.50 each and my food bill would be huge if I were to buy these from Sainsburys or similar.

They are available on subscription from Amazon and work out around £1.50 each. However, I have found similar bars at MyProtein where there are called Carb Crushers.

A box of 12 bars using the current coupon code at the time of writing brings the cost down by £5.72 to £13.34. This then works out at a pretty decent £1.12/bar.

Another good thing about buying from MyProtein is that you can collect points to use as money off in the future, and they pretty much always have offers on such as a discount or spend X and get a free t-shirt.

If you don’t have an account with MyProtein then use my link (aff. link*) and create yourself an account. If you spend over £35 then you’ll be given free delivery for three months plus I’ll get a little thank you credited to my account 😁

Also, if you go to TopCashBack and create an account (aff. link*), not only will you get a £5 bonus but you can then search for MyProtein, you can get up to 12% cashback.

* This is an affiliate/sign-up link, please see my Affiliate Disclaimer.

My Portfolio Structure

I thought it might be interesting to share the structure of my main portfolio – this is where I have calculated the percentage break-downs for different markets based on my level of comfort.

There are several rules of thumb for determining the split between equities and bonds such as subtracting your age from 100 to give you the bonds (your age) and equities (the remainder) split.

As I didn’t get started with FIRE until “late on” i.e. my forties, I have gone for a more aggressive split of 20% bonds/80% equities.

At the broadest level, my equities are made up of 85% global and 15% emerging markets.

This is then diversified like:

  • 25% Domestic
  • 50% Developed World
  • 15% Emerging Markets
  • 10% Global Commercial Real Estate

Finally, we can take a look at the tilted version of my portfolio. The percentages might look a little odd with the decimal place but I haven’t figured out how to sort that yet, the table values look fine but must have some formatting applied. Anyhow…

And with bonds included in the mix.

The actual current holdings in my portfolio are shown below, you’ll notice that there are a few areas that I am yet to invest in. I need to do more research in these areas and identify suitable trackers/ETFs.

DomesticMarket/EquityVanguard FTSE 100 ETF (Dist)VUKE
SPDR S&P UK DividendUKDV
ValueVanguard FTSE 250VMID
Small Cap??
Developed WorldMarket/EquityVanguard FTSE All-World ETF (Dist)VWRL
Value??
Small Cap??
GlobalSmall CapBlackrock Global Smaller CompaniesBRSC
Emerging MarketsMarketVanguard Emerging Markets ETFVFEM
iShares Core MSCI Emerging Markets ETF (Acc)EMIM
Value & Small Cap??
Global Commercial Real EstatePropertyiShares Developed Markets Property Yield (Dist)IWDP
BondsShort-dated, high quality bondsVanguard UK Gilt ETF (Dist)VGOV
Short-dated, high quality, inflation-linked bondsiShares Indexed UK GiltsINXG

It would be good to hear how your portfolio compares to mine by way of split and how you decided on the allocation of equities and bonds.

What to Look For In Your First Side Hustle

The following post is contributed by Martin of Studenomics, where he tries to make personal finance fun since you have enough to stress about. You can click here to check out the wide range of content on everything from student loans to getting paid to drink coffee.

Are you looking to start your first side hustle? Are you excited about the idea of making money on your own?

I think you’ll agree with me that there’s a lot of confusing information out there about making money. You start reading about one income source and then end up with an information overload. You don’t know if it’s all a scam or if you’re missing out on an opportunity of a lifetime.

Keep on reading if you want to know what to look for in a side hustle so that you don’t spend the next six months stuck at day one…

Continue reading “What to Look For In Your First Side Hustle”

November 2020 update

Quiet month for me in general so I’ll crack on with things…

Additional Income Streams

  • Matched Betting £137 (Oct £275)
  • Surveys/studies £10.21 (Oct £16.56)

Things were a bit slower this month with my matched betting although I still made a >£100 profit which I’m fine with. I wasn’t feeling it for a good while so just dipped in and out as I fancied it.

How did I do in November?

Assets

  • Emergency Fund £1,150.80 (£1,107.69)
  • ISA, Freetrade £3,546.79 (£2,187.76)
  • ISA, Hargreaves Lansdown £2,682.73 (not recorded)
  • Pensions £97,194.47 (£94,943.49)
  • SAYE £390.00 (£360.00)
  • House £350,883 (not recorded) *HPI current valuation

Liabilities

  • Credit Card -£1,728.26 (-£2,299.60)
  • Student Loan -£3,806.77 (-£3,960.77)
  • Mortgage -£189,487.04 (-£190,668.62)

Total Assets (excluding house) – Total Liabilities = Net Worth
£104,964.79 – £195,022.07 = -£90,057.28

Yes, I have a big mortgage and the repayments are pretty hefty but the decisions around that were made pre-FIRE journey.

We could downsize as we have a spare bedroom and an office/5th bedroom but when we looked into this a few years ago there just wasn’t much to gain if we want to stay in the current area. We’re not looking to relocate just yet as my daughter is in her final year at high school and then hopefully starting college. Renting out the spare room could be an option we considering though…

It’s not something I’d rule out in the future as I like the idea of geo-arbitrage although that comes with other considerations such as having the best dog in the world that we would have to take with us as I’d not even think about giving her up.

Month-on-month

As you can see, although my spending and credit card payments are down this month, my savings rates are down too. Part of the reason for this is a bit of lethargy, I just struggled with motivation to bring in extra money which would have been used to reduce debt and increase savings.

Thankfully, my credit card payments should be done with ahead of schedule – it’s now looking like the bulk of the balance should be cleared in December and then January will mop up the remaining balance.

Whether then to start on paying down my Student Loan or to add to my Emergency Fund is the question. My Student Loan is under £4,000 and attracts a rate of interest of 2.6%.


I’d be interested in hearing your thoughts on this – would you clear the loan and be rid of all debt (except mortgage) or build your EF a bit more?


Future Fund

Continued good performance from my Scottish Widows pension scheme and a boost to the Freetrade ISA saw me edge past the £100,000 milestone.

So happy about this as it is the first big milestone that I have hit on my way to FIRE 🙂

Also, just while compiling my list of assets and liabilities/debts (above), I realised that I have not included my HL ISA in my Future Fund so that’ll be added from December onward.

I have set the next milestone at £150k which I plan to make in the next couple of years. Increased pension contributions, both from higher saving rate & higher salary, plus side hustles and general market performance although the latter cannot be relied upon.

Yay! I’ve awarded myself a badge 😀

Started recording my dividend payments in my Freetrade ISA (lazy portfolio) which can be seen in the graph below. I’ll provide a breakdown of my lazy portfolio in the future showing what funds I have.

Dividend Payments

Not likely to be retiring any time soon on the above level of payments but I expect these numbers to grow nicely over time. I’ve set an informal target of the monthly dividends being enough to cover my mobile phone payment which is not much, like £5, so should hopefully be achievable in the next 12 months. I’ll then add the next notional target – over time the goal is to have the dividends covering a significant proportion of my regular expenses.

Credits

I have taken inspiration and assistance from a couple of other FIRE bloggers in the creation of my monthly updates so I’d like to take the opportunity now to say thank you.

Weenie over at QuietlySaving – thanks for providing quality posts, yours was the first FIRE blog I started reading and it was from your updates that I “borrowed” the Future Fund concept. Also a big thank you for your help with my dividend graphing (see above) – I was banging my head against the wall with Apple Numbers trying to get it right, I then went from Excel (thanks!) to Google Sheets and I’m pretty happy with the result.

You can read what Weenie’s November looked like here.

Sassenach Saving‘s monthly updates provided me with the thought of breaking down my assets and debts for a month-on-month comparison. Check out their November update here.

Frugal Fridays – #2

If you listen to the ChooseFI podcast then the likelihood is that you’ve heard Brad and Jonathan talking about saving money on your mobile phone bill. The provider that they have been recommending is Mint Mobile, if you’re UK-based then Mint aren’t an option. I’ll share here how I’ve made a decent saving on our family mobile bill.

Can you save on your mobile bill?

We have been using Three as our mobile provider for four 12-month SIM-only contracts; two at £8.22/month and the other two at £9/month, all with 8GB data, unlimited texts and minutes. This wasn’t too bad a deal as it gave a saving over our Virgin Mobile deals plus £175 cashback altogether via Quidco*.

For that twelve-month period, the cost per SIM worked out at £4.96 average which is decent but if we’d stuck with Three, the average cost would rise. Plus the kids were complaining of lack of coverage now and again which is pretty much end-of-world when you’re a teenager!

After some looking around, I opted for Lebara. These guys piggyback on the Vodafone network which apparently provides decent 4G coverage for our area.

I signed up for the first deal via Topcashback* which will earn me £5 cashback and, using Honey*, I also got a voucher code which saved £2.50 on sign-up. If you haven’t used Honey, it is a browser extension that checks websites for valid coupons/vouchers to save you money.

The contract is £5/month on a rolling monthly deal, this provides 2GB, 1000 minutes, and a 1000 texts. This will be fine as I’m connected to wifi the majority of the time and I don’t make many calls. As a Lebara* customer I can make referrals which is handy as I can then earn £10 for each of the other three SIMs I sort out for the rest of the family.

If you take a look and decide that Lebara might be good you too, then if you sign-up via my link* then you get double data for the first month and I get a referral bonus.

Searching out a new deal rather than just sticking with our previous provider has resulted in a monthly saving of £14.44 and a cashback bonus/saving of £37.50. Decent 🙂

* affiliate link(s), see affiliate disclaimer

Frugal Fridays – #1

So the idea is that I post something about frugality each Friday, I expect the posts will be pretty short in comparison to my pretty wordy monthly updates!

This first post is for something super-exciting – hand wash 😀

We use the handpump washes at home, these come in a 250ml plastic container when bought individually. The standard Carex antibacterial ones cost £1 (40p/100ml) each and the Sainsburys “The Collection” equivalent is 85p (34p/100ml) for a 250ml item.

Sainsbury’s currently have for sale a Carex 500ml original refill pouch at £1.50 (30p/100ml) which will save you 50p over the price of two individual items. The saving is smaller if purchasing The Collection variant.

Exciting photo of handwash…

When I last bought a refill pouch I was able to pick up a 1000ml version for £2.85 which works out to 28p/100ml.

With using these refill pouches you can save not only money, albeit a small amount, but you also save on waste packaging. Each pouch can be recycled so rather than chucking away the container and pump each time the handwash runs out, considering refilling it – you’ll be saving money and more importantly helping to save the environment.

Thanks for reading – I can’t guarentee the next Frugal Fridays post will be any more riveting but I don’t think anyone said saving money would be mind-blowingly exciting! 😉

If you have any frugal tips then please share them in the comments section below.