How frugal are you?

One More Toy · 30-08-2020 4:47pm #1

I'm pretty frugal,

Have a 2 year old android phone
Shop in penny's and tk maxx, got my nikes on sale
No TV package just saor view and fire stick
Shop in lidl especially since the launch of the app
Never order takeaway, always plan meals ahead

COVID · 30-08-2020 5:06pm

Is that your Tinder profile?

Your Face · 30-08-2020 5:09pm

Fairly frugal but I need cut out takeaways and plan my grocery shopping around a meal plan.

30-08-2020 5:14pm

Own a pair of EDIFIER speakers, purchased in Tesco for 25.99 Fantastic Stereo Surround quality, they can raise the roof!

Shanotheslayer · 30-08-2020 5:14pm

Not frugal enough. Probably get 2 take aways a week

RasTa · 30-08-2020 5:16pm

Only buy yellow sticker items in tesco when they have been reduced 80%

Man with broke phone · 30-08-2020 5:17pm

I pay for quality. I wont wear straw trousers and eat cardboard my whole life just to have a few extra digits in my account when I die. Im decent with money though and can afford it. Ive never had a personal credit card. Dont have loans. Have 20000 or so saved but if I see a nice pair of jeans that are nicer looking and better quality than all the other jeans Ill buy them. I dont care for names or brands particularly but if I walk into a shop and an item is more eye catching but still classier than all the other stuff there I wont worry about the price within reason.

There are lots of idiots who want to give you money making oportunities when it looks like you have money. Who would you rather clean your gutters if the price was the same? The fella with the arse hanging out of his trousers or the fella who looked like he made good money from cleaning gutters.

Disclaimer; I dont clean gutters.

Disclaimer; If you wanted your gutters cleaned I could probably charge you 50 quid more than the fella with the arse hanging out of his trousers and then pay him to do it.

Icaras · 30-08-2020 5:19pm

Getting value for money is more important than being frugal

One More Toy · 30-08-2020 5:19pm

COVID wrote: »

Is that your Tinder profile?

I'm attached, even then I'm probably too old for tinder

One More Toy · 30-08-2020 5:20pm

Icaras wrote: »

Getting value for money is more important than being frugal

This is also true, I follow hukd with alerts set up for things I might need in the future

gmisk · 30-08-2020 5:20pm

Probably somewhere in between I love a bargain but I don't mind spending money especially on eating out.

gmisk · 30-08-2020 5:21pm

One More Toy wrote: »

This is also true, I follow hukd with alerts set up for things I might need in the future

I love that site too!
Worst thing is can visit my folks up north so can get uk only stuff delivered there

893bet · 30-08-2020 5:21pm

One More Toy wrote: »

I'm pretty frugal,

Have a 2 year old android phone
Shop in penny's and tk maxx, got my nikes on sale
No TV package just saor view and fire stick
Shop in lidl especially since the launch of the app
Never order takeaway, always plan meals ahead

I thought I was until I read this post.

RasTa · 30-08-2020 5:21pm

I did spend £60 on 12 beers delivered last weekend. Gotta stop doing that.

HBC08 · 30-08-2020 5:21pm

RasTa wrote: »

Only buy yellow sticker items in tesco when they have been reduced 80%

Do you tip then on the way out?

One More Toy · 30-08-2020 5:22pm

gmisk wrote: »

I love that site too!
Worst thing is can visit my folks up north so can get uk only stuff delivered there

Mostly use parcel motel myself for items that don't deliver here

Amazon warehouse deals is pretty good too, got my 32 inch TV off it 5 years ago and still going

RasTa · 30-08-2020 5:24pm

HBC08 wrote: »

Do you tip then on the way out?

No but I did tip someone £20 the other day for a free haircut. Some young lad whois teacher stopped me on the street offering one and he had passed his level 3 etc and needed some real world practice.

Obviously shouldn't have given him a penny.

mousblaster17 · 30-08-2020 5:44pm

if I was a ghost, I wouldn't give you a fright

gogo · 30-08-2020 6:18pm

I’m not, my bills are paid & I save a sizable portion of my wages each month ... whatever is left over is mine for blowing and blow it is exactly what I do. Life’s too short!

Muahahaha · 30-08-2020 6:19pm

One More Toy wrote: »

Mostly use parcel motel myself for items that don't deliver here

Amazon warehouse deals is pretty good too, got my 32 inch TV off it 5 years ago and still going

Yeah +1 for Amazon Warehouse. Argos and Tesco outlets on ebay are also good for stuff like laptops and other electronics.

The Keepa extension on Chrome/Firefox for Amazon is great for getting bargains. Its gives you an embedded price graph on the product page so you can see the full price history and how its gone up and down over time. You can then set alerts to email you when it goes below a specific target price. If you dont *need* a product straight away its a great way of saving a few quid on things you wanted to buy anyway, the app helps you get it at its cheapest possible price.

kowloon · 30-08-2020 6:29pm

So frugal I save on the bills and get two uses out of my underwear. I just turn it inside out for the second use. I do the same thing with facemasks and condoms.

corkgsxr · 30-08-2020 7:41pm

Complete opposite. I spend like I'm trying to keep the Irish economy going by myself

Mad_maxx · 30-08-2020 7:51pm

yes but the Mrs makes up for it

JohnnyFlash · 30-08-2020 7:55pm

I’ve found that a lot of people who consider themselves frugal are actually just miserable, mean, skinflints.

pgj2015 · 30-08-2020 8:19pm

RasTa wrote: »

Only buy yellow sticker items in tesco when they have been reduced 80%

The only meat I eat is from road kill.

Leg End Reject · 30-08-2020 8:21pm

I'm not at all really.

I buy nice food, not stingy with electricity and heating, if I'm buying clothes, homewares, appliances, electronics etc I'll happy pay extra for quality.

I'm not an impulse buyer though, I'm not a fan of labels on clothes, I buy what I need and I keep things until they're beyond use/repair.

McGinniesta · 30-08-2020 10:02pm

I **** therefore i'm happy.

Fr_Dougal · 30-08-2020 10:20pm

One More Toy wrote: »

I'm pretty frugal,

Have a 2 year old android phone
Shop in penny's and tk maxx, got my nikes on sale
No TV package just saor view and fire stick
Shop in lidl especially since the launch of the app
Never order takeaway, always plan meals ahead

Are you happy? Genuine question.

AllForIt · 30-08-2020 10:36pm

When it comes to groceries - very. Loads of frozen veg which keeps my weight down. Plus I cook all my own meals, never buy ready made meals or takeaways. Because I can cook, used to be a cook, I find it easy to make meals tasty cheaply.

Feisar · 30-08-2020 10:39pm

I bring coffee to work in a flask, saving me circa €1,500 a year. I boil a ham on Sundays for sambos to save on lunches for the week. Leftover veg often makes great soup. I batch cook to save. But my wife thinks I'm a bit of a snob because she thinks I'm brand loyal. I'm not though. I always look for good value and if something serves me well it'll take persuasion to get me to change.

Feisar · 30-08-2020 10:41pm

AllForIt wrote: »

When it comes to groceries - very. Loads of frozen veg which keeps my weight down. Plus I cook all my own meals, never buy ready made meals or takeaways. Because I can cook, used to be a cook, I find it easy to make meals tasty cheaply.

MSG;)

bobbyy gee · 30-08-2020 10:51pm

2 year old phone
that's nearly new
i still own my first phone

auspicious · 30-08-2020 10:57pm

No mortgage no phone no holidays no life.

( no chance)

One More Toy · 31-08-2020 2:51am

Fr_Dougal wrote: »

Are you happy? Genuine question.

Yes not too bad

Edit: though I should clarify I do suffer from depression. But I get satisfaction in not following the herd mentality, and hopefully retire early and get out of the rat race

Yyhhuuu · 31-08-2020 3:10am

Lately I only spend about 3.50.a day since I stopped buying coffee every day(due to covid) Everything I buy is reduced to clear. All fresh food. Not processed. I treat myself to holidays abroad flying ryanair and staying in hostels.

chrissb8 · 31-08-2020 3:14am

Honestly I am terrible with money and not in the splash all on something I want kinda way. I was the go out multiple times for food, activities, drinks and then paying for Ubers just so I don't have to leave earlier to get public transport kinda wasting. Pointless stuff as well like subscriptions I don't need.

Quarantine has been a divine intervention, at least in pecuniary related matters. Now I've moved home for a year to do a course and have a lump sum in my account from my last pay check. I'm going to make it my mission to learn to stretch that out as long as I can. I spent €40 in the last 2 weeks so off to a decent start. Planning my meals out and not being able to do too much social wise has helped. Having no savings is a source of shame for me has to be said.

However that said, I would never get hung up on keeping up with the Jones'. Phones, cars, clothing and any of that. People getting in debt just to keep up an idea of a lifestyle that's beyond their capacity to hold up comfortably is where I think, ok, I could be much worse.

PmMeUrDogs · 31-08-2020 7:23am

When it comes to myself, I'm frugal. I rarely buy myself anything and when I do, it's not expensive.

When it comes to my friends and family, I'm the opposite. I constantly buy them gifts, pay for taxis on nights out, get extra rounds in or send a few quid to the ones struggling.

I'd say I'm sensible with money, having a savings buffer in my account is important to me and I won't spend what I can't afford

Mister Vain · 31-08-2020 7:26am

I buy a tin of baked beans on Tuesday so I can have a bubble bath on Wednesday.

Mad_maxx · 31-08-2020 8:33am

I'm careful with money but have a patchy record on the handful of large spend purchases in most people's life which sort of cancels out my frugality in the small fry areas

Yyhhuuu · 31-08-2020 4:24pm

I can save ~€20 k per annum. My gross income is ~€32k about €25k net of tax. I'm single and mortgage- free. I want for nothing and enjoy foreign holidays. My day to day expenses are minimal.

Is this considered frugal? I will probably be able to save more since covid as I have cut back on foreign travel and coffee out due to covid.

31-08-2020 4:32pm

I'm all for not wasting money and live simply enough but doing without home comforts, or only eating reduced food or depriving yourself of things you can afford that will make life more pleasant and enjoyable isn't frugal, it's punishment. You can be sensible without being miserable with money.

You can't take it with you, and there is a world to be enjoyed and a life to be lived that you will never have a second chance to do over.

McGinniesta · 31-08-2020 4:47pm

I'm frugal through necessity at the moment. Times are tough.

Yyhhuuu · 31-08-2020 4:56pm

Candie wrote: »

I'm all for not wasting money and live simply enough but doing without home comforts, or only eating reduced food or depriving yourself of things you can afford that will make life more pleasant and enjoyable isn't frugal, it's punishment. You can be sensible without being miserable with money.

You can't take it with you, and there is a world to be enjoyed and a life to be lived that you will never have a second chance to do over.

It's not punishment... I get the best quality fresh food for a fraction of the full cost. I invite friends over for meals. Furthermore, buying stuff doesnt bring happiness, experiences with people do. I said I enjoy foreign holidays. This isn't punishment. I just dont buy much stuff I dont need as I have everything already. You're being very judgmental

Church on Tuesday · 31-08-2020 5:00pm

I eat every other day.

How frugal are you?

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