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Who’s tightening their belt #1661756
09/11/2022 14:56
09/11/2022 14:56
Joined: Mar 2008
Posts: 5,013
highlands
jimboy Offline OP
Club Member 857
jimboy  Offline OP
Club Member 857
Forum is my life

Joined: Mar 2008
Posts: 5,013
highlands
Due to everything costing more and electric going through the roof I’ve made a few changes to my spending. I’m a newspaper man like to read the local rag to see what’s going on. Six days a week it was costing me over £500 a year, so I’ve cancelled that. Wine was costing us over &1000 yearly, so stopped that. These luxuries could be paid for but approaching a couple of grand my wife and I decided to tighten up. Anyone else making savings?


I'm an old git & happy with it,most of the time
Re: Who’s tightening their belt [Re: jimboy] #1661757
09/11/2022 15:38
09/11/2022 15:38
Joined: Dec 2005
Posts: 8,004
Lightwater, Surrey UK
DaveG Offline
Club Treasurer Member 311
DaveG  Offline
Club Treasurer Member 311
Je suis un Coupé

Joined: Dec 2005
Posts: 8,004
Lightwater, Surrey UK
If you have a tablet (or a phone plus good eyesight) you can use the PressReader app (or something like Libby) which links to your local Library membership and you can read pretty much any paper and magazine you want.

I haven't found any wine-drinking app yet frown

I cancelled my Which? magazine subscription if that counts, and we only just turned on the heating last weekend. Costco have opened a petrol station near to the office so that helps, as does doing the weekly shop at Aldi but even that has crept up to being regularly over £100 a week


1996 Portofino 20vt & 2000 Pearl White Plus
1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake
Re: Who’s tightening their belt [Re: jimboy] #1661797
10/11/2022 20:48
10/11/2022 20:48
Joined: Dec 2005
Posts: 557
France, Charente
paulw Offline
Club Member 1326
paulw  Offline
Club Member 1326
Enjoying the ride

Joined: Dec 2005
Posts: 557
France, Charente
I can't say that we have made any particular changes to our spending, but we already changed all bulbs in the house to LED and make a habit of only having lights on in the rooms we are in.

However, benefit of not being in the UK is that this year gas / electricity has been limited to maximum 4% rise and for next year they are limited to a maximum off 15%, so far until the end of next year.

Certainly noticed food and grocery prices have gone up over the year, probably about 10% overall.

Happily our tax bands for this year have just gone up which should save us about 100€ next year (not much but at least it's a saving). Plus the audio / visual payment has been scrapped this year which is a nice 138€ bonus.

The only down side currently is that the EUR / GBP exchange rate is rubbish at present which has an effect on income! Brexit and Liz Truss haven't helped!


Paul W.

[Linked Image]


Re: Who’s tightening their belt [Re: jimboy] #1661803
10/11/2022 22:36
10/11/2022 22:36
Joined: Mar 2007
Posts: 14,871
Auld Reekie
Edinburgh Offline
Club President, member225
Edinburgh  Offline
Club President, member225
I AM a Coop

Joined: Mar 2007
Posts: 14,871
Auld Reekie
Yes as posted elsewhere, the LED R7s have replaced all the halogens as well as any halogen spots replaced with equivalent LEDs.

Central heating going on and off at reduced hours, making do with those extra jerseys which were stuffed away and out of fashion, in danger of becoming moth-fodder.

Definitely not using the coop so much, Mrs Ed's Seat Mii does the wee jobs.

Not saving a lot on forum time though laugh


BumbleBee back:)
Re: Who’s tightening their belt [Re: paulw] #1661829
11/11/2022 13:14
11/11/2022 13:14
Joined: Dec 2005
Posts: 33,174
Berlin
barnacle Offline
Club Member 18 - ex-Minister without Portfolio
barnacle  Offline
Club Member 18 - ex-Minister without Portfolio
Forum Demigod

Joined: Dec 2005
Posts: 33,174
Berlin
Originally Posted by paulw

The only down side currently is that the EUR / GBP exchange rate is rubbish at present which has an effect on income! Brexit and Liz Truss haven't helped!


Hah! So I'm not the only one complaining he gets paid in Sterling but spends in Euros... grr


[Linked Image]
Don't get no respect! Coupe Fiat 1994-2000 - an owner's guide <-- clicky!
Re: Who’s tightening their belt [Re: barnacle] #1661850
11/11/2022 19:44
11/11/2022 19:44
Joined: Oct 2008
Posts: 6,779
In the coupe.
magooagain Offline
Club Member 259
magooagain  Offline
Club Member 259
Forum is my life

Joined: Oct 2008
Posts: 6,779
In the coupe.
Originally Posted by barnacle
Originally Posted by paulw

The only down side currently is that the EUR / GBP exchange rate is rubbish at present which has an effect on income! Brexit and Liz Truss haven't helped!


Hah! So I'm not the only one complaining he gets paid in Sterling but spends in Euros... grr




State pension?
Mine will be paid completely from France as an exchange option. The part that I've accrued in France since being here(22 years) by the time I cease my business will be almagilated with the full basic uk pension that paid into while living here and be paid from France.

Do you not have that option?


Ironically I'm thinking of buying pounds! As I may re invest in the uk.

Last edited by magooagain; 11/11/2022 19:46. Reason: If I can be bothered.


Re: Who’s tightening their belt [Re: magooagain] #1661855
11/11/2022 21:46
11/11/2022 21:46
Joined: Mar 2007
Posts: 14,871
Auld Reekie
Edinburgh Offline
Club President, member225
Edinburgh  Offline
Club President, member225
I AM a Coop

Joined: Mar 2007
Posts: 14,871
Auld Reekie
Originally Posted by magooagain



Ironically I'm thinking of buying pounds! As I may re invest in FCCuk.


Fixed that for you Joe wink


BumbleBee back:)
Re: Who’s tightening their belt [Re: magooagain] #1661862
12/11/2022 12:31
12/11/2022 12:31
Joined: Dec 2005
Posts: 557
France, Charente
paulw Offline
Club Member 1326
paulw  Offline
Club Member 1326
Enjoying the ride

Joined: Dec 2005
Posts: 557
France, Charente
Originally Posted by magooagain


State pension?
Mine will be paid completely from France as an exchange option. The part that I've accrued in France since being here(22 years) by the time I cease my business will be almagilated with the full basic uk pension that paid into while living here and be paid from France.

Do you not have that option?


Ironically I'm thinking of buying pounds! As I may re invest in the uk.


No, already retired when we moved here about 7 years ago, so state pension paid in to French bank, but subject to the exchange rate fluctuations. Private pensions and investments paid in GBP to UK bank. Mostly wait until the rates are good before moving money over, but sometimes there's no choice!

Not complaining though as we'd much rather be over here.

Paul


Paul W.

[Linked Image]


Re: Who’s tightening their belt [Re: jimboy] #1661864
12/11/2022 17:55
12/11/2022 17:55
Joined: Oct 2018
Posts: 309
Cleveland
P
PaulL Offline
Club Member 1872
PaulL  Offline
Club Member 1872
Making a profit
P

Joined: Oct 2018
Posts: 309
Cleveland
Don't rub it in.
We haven't been to France for four weeks now and we are getting withdrawal symptoms.

I may have to start grating garlic into my porridge.

Re: Who’s tightening their belt [Re: Edinburgh] #1661880
13/11/2022 08:44
13/11/2022 08:44
Joined: Oct 2008
Posts: 6,779
In the coupe.
magooagain Offline
Club Member 259
magooagain  Offline
Club Member 259
Forum is my life

Joined: Oct 2008
Posts: 6,779
In the coupe.
Originally Posted by Edinburgh
Originally Posted by magooagain



Ironically I'm thinking of buying pounds! As I may re invest in FCCuk.


Fixed that for you Joe wink




Marvelous idea Simon. Do we need a referendum?



Re: Who’s tightening their belt [Re: magooagain] #1662002
18/11/2022 20:50
18/11/2022 20:50
Joined: Dec 2005
Posts: 33,174
Berlin
barnacle Offline
Club Member 18 - ex-Minister without Portfolio
barnacle  Offline
Club Member 18 - ex-Minister without Portfolio
Forum Demigod

Joined: Dec 2005
Posts: 33,174
Berlin
Originally Posted by magooagain

State pension?
...
Do you not have that option?


Nah company pensions and part time consultancy paid in sterling, uk tax, uk bank. Transferred once a month, but I get to pick the days and sometimes I hit a peak.

Don't get state pension for another three years or so, when I am officially old instead of merely a fossil.


[Linked Image]
Don't get no respect! Coupe Fiat 1994-2000 - an owner's guide <-- clicky!
Re: Who’s tightening their belt [Re: jimboy] #1662252
05/12/2022 11:20
05/12/2022 11:20
Joined: Mar 2006
Posts: 1,343
Scottish Borders
G_Man Offline
Club Member 1656
G_Man  Offline
Club Member 1656
My job on the forum

Joined: Mar 2006
Posts: 1,343
Scottish Borders
Absolutely Jim. Our new house has a smart meter and we've now become more aware of our energy spends. Nothing is left on standby except key appliances, dishwasher only used a couple of times per week, low energy clothes washes etc. I've calculated that our yearly savings will equate to 10 x tins of Scottish craft lager so a bit of a result rolleyes

We are quite fortunate that the house is exclusively hot water under floor via LPG which in the current climate is cheap to run. The downside is my feet smell like the finest blue cheese .. crazy


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