Counting the Pennies: 18 tips on how we’re saving #MummyMondays

Tips on Saving Money
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I’m going to cheat a bit here and share a post I wrote for Bub Hub recently.

It’s about counting the pennies and is something we’ve really had to focus on lately as a one income family. It’s most certainly a challenge and one that is quite new to me. I wont lie, it’s given me a bit of a reality check and a kick up the arse. The thing is, receiving renewals and letters from insurance companies informing us that the premiums are going up (and quite substantially) is just really hurting and it’s getting to a point where I just don’t see how some people who are not as lucky as us are coping. Seriously, when are they going to stop going up if other things are not relative?

I always try not to let finances get to me but it can be difficult because I’m the ‘finance’ person of the house and so have a true idea of how we’re going and what bills are to be paid and sometimes it does make me nervous.  But what I do try to do is come up with different ways that we can save, even if it’s a few dollars here and there, it all adds up in the end.

So today I thought I’d share my post ‘Counting the Pennies: 18 tips on how we’re saving’. 

You can read the post here .

Have you felt the penny pinch lately? What changes have you made to save?

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Mummy Mondays Featured Posts

10 Things Every Mother Should Teacher Her Daughter by Barbie Bieber & Beyond
Excess Baggage by Rugrat Rodeos

There will be no Mummy Mondays link up next week because I’m going to be cruisin’ the seas for the Digital Parents Bloggers Conference! Keep checking my social media for updates though. 

Today I’m also linking up with One Mother Hen for Open Slather and My Home Truths for I Must Confess
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Eva Lewis (The Multitasking Woman)

Eva is the Editor and Owner of The Multitasking Woman - a lifestyle and parenting blog.She always has her fingers in many different pies but wouldn't have it any other way. Eva is a Mum to her 4-year-old son, 2 month old daughter, two chickens, one dog and a fish called Bob and a wife to Mr G. They all live happily in their little cottage on the outskirts of Brisbane.

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  1. March 17, 2014 / 12:13 am

    I need to stop buying toys for bubs! Its my biggest weakness at the moment.

    Our water bill sucks because we have to pay a % of the entire complex and there are some big families in here so no matter how much we dont use the water we are still paying for everyone elses and a lot of them aren’t water concious at all.

    • March 17, 2014 / 12:40 pm

      You should see if you have a toy library somewhere near you? I discovered that we have a toy library and have been thinking of going and having a look. Or perhaps you could swap toys with friends? Oh gosh, that really does suck about your water. Can you bring it up at a body corporate meeting about conservative water use? Good luck!

  2. March 17, 2014 / 3:09 am

    Well done Eva!
    I like your home made detergent idea, and white vinegar is a great all purpose spray cleaner especially for good for tiles, glass and stainless steel. (and dogs who’ve rolled in dead fish). Trying to get my husband to turn off lights has been a challenge, but grocery shopping at Aldi saves us a bomb. What would cost in excess of $300 at Woolworths costs me around $95 at Aldi – seriously!
    I’m not keen on candles because our little Pinkster just keeps coming up singing happy birthday and blows them out; so I’ve opted for low energy globes in the lamps that can take them and I rely on those rather than overhead halogens. You know what my baking is like so that’s out – but I make Pinkster batches of cheese and veggie pancakes and freeze those for her lunchbox.
    I buy my jeans at KMart and BigW for around $8-$12, then there’s the sewing machine…

    BTW a horticulturalist once told me that grey water from the washing machine is fabulous for lawns – I’m not sure how you get it from the washer to the garden is all.

    keep up the good work :0)

    • March 17, 2014 / 12:38 pm

      Yes, I really want to start making my own cleaning products, from a health side too. I agree, Aldi saves so much money but often I find I have to go to the other grocery store to get items they don’t have and then I throw it into the too hard basket (lazy me). I agree on candles, I keep ours very high when in use. I”m a Kmart and bigw girl too, they actually have nice clothes! Great idea about the grey water, I think we might need to buy a long hose though, but I can see how it might work on our lawn…gosh it needs water, and we have so much grass!

  3. March 17, 2014 / 3:17 am

    I need to stop buying more things from supermarket than we need. Also change way payments come out, eg we have BOTH car regos due this month, they both need a service, UGH. Will head over and have a read for some more tips. Less money on eating out would also help. We went for lunch yesterday and it was $100, a bit extravagant really…

    • March 17, 2014 / 12:36 pm

      That’s exactly what happened to us, both regos at the same time and gosh it hurt! My car is also due for a major service…double hurt!

  4. March 17, 2014 / 5:02 am

    Great tips! I’ve been paying our electricity bill in weekly instalments since you suggested it almost 12 mths ago, it makes it so much easier when the bill arrives and we’re either in credit or only have a minimal amount to pay.
    PS. Can’t wait to go cruising with you, just 4 sleeps to go!

    • March 17, 2014 / 12:35 pm

      Oh I’m glad it’s working for you, it’s definitely a nice suprise when you don’t have to pay anything and it helps with budgeting. I can’t wait either!!!

  5. March 17, 2014 / 10:19 am

    It is scary that if families like ours (we’re on one income too with kids at home/in care) struggle, how do others do it. Which is why tax breaks for millionaires and big mining companies make me CROSS! Thanks for the tips!

    • March 17, 2014 / 12:35 pm

      Yep, exactly. There’s a lot of things that have been making me cross lately about the current state of things!

  6. March 17, 2014 / 10:56 am

    We had solar panels put on a couple years ago and we haven’t paid an electricity bill in that time. Without solar we would be seriously cash strapped having to pay that quarterly bill, and wonder how other families do cope with the extra(usually huge)bill, along with all the other stuff to pay for. I also pay a years car rego at tax return time so it’s a bill that out the way and done for the year, also cheaper done for a year over all.

    • March 17, 2014 / 12:34 pm

      I agree Solar Panels are awesome. We had them installed on our old house and our bills were absolutely tiny. Unfortunately now we have moved, our house doesn’t have them and we cannot afford to install another lot. We’ve also missed out on the great 44c rebate we used to get. Now it’s just about turning switches off, using energy saving lightbulbs and with a much smaller house we seem to use less energy. Great idea about the car rego.

  7. March 17, 2014 / 12:30 pm

    Great tips Eva – we are also looking at quite a few ways to save lately. Top of the list is reviewing our health insurance as the latest rise in premiums is just a step too far. We’re also going to keep our existing mobile phones instead of taking new ones on a more expensive plan. Luckily our energy bills aren’t too bad as we don’t have air con but some days I wish we could cool down in this sauna of a house – but at least we are saving money!

    • March 17, 2014 / 12:43 pm

      Thanks Kirsty. Oh yes, don’t get me started on health insurance, I got my increase letter today. The thing that disappointed me is that even with our price rise, it seems like we have the best cover so there’s no hope of me swapping for something cheaper. Good on you for keeping your existing phone plans, I got sucked into getting a new one 🙁 but luckily hubby has a work phone. Hopefully the cooler weather will be here soon! That’s right, even if it’s just a little bit you save, some is better than none!

  8. March 17, 2014 / 12:48 pm

    One thing that saved me thousands of $$ when my boys were still at home was making bread. It is super cheap to make and yet costs the earth to buy. At that time a decent loaf of bread cost $2. I could make it for about 25c. We went through 2 loaves a day, so that was a saving of $3.50 a day. Add that up over a year and you saved just over $1,200!! I found it didn’t really take a lot of hands on time. I just got into a routine of starting it each morning.

  9. March 18, 2014 / 3:10 am

    Great tips, Eva. I love shopping at Vinnies or Lifeline especially for books. I can buy a whole bag full for what I would pay for one at a book store. Since my husband started working from home we now just have one car so that saves quite a bit too.