Are you a regular commuter with a yearly season ticket? Expensive isn’t it? We pay more than any other European country for our train travel, especially if you commute into London. So if you have to pay out such a large part of your hard-earned cash you should at least make the most of the benefits that annual “Gold Card” season tickets offer.
My Christmas shopping starts in January when I pick up all my cards, decorations and other items for a fraction of the original prices. At the beginning of the year, for example, Asda was selling off Christmas crackers for 20p a box. However, even with a month or less to go, there are plenty of ways to keep Christmas spending down.
Being £40,000 in debt isn’t a nice place to be. This was the situation we found ourselves in last August and it hit us like a ton of bricks.
Over the years I have discovered that if you want to keep your supermarket bills low, avoid the cleaning aisle. I am not suggesting that you avoid cleaning altogether – far from it – but once you find out how much money you can save by making products from scratch, it's difficult to go back. These days, the only items I buy are sponges, rubber gloves and washing-up liquid.