Week 40: The Week of the Supermarket Challenge

skene/flickr

Imitation is the sincerest form of flattery and this week I am proud to present one of financial journalist Martin Lewis’s most powerful moneysaving ideas: the supermarket downshift challenge.

As Martin explains, supermarkets usually stock up to four versions of the same products; a basic, no frills range which is cheapest; the supermarket’s own brand range; other manufacturers’ brands; and the supermarket’s premium brand. Each time you go up a level, it gets more expensive.

People often gradually switch to the more expensive products because they perceive them as better but quite often, we’ve just been hypnotised by the marketing and aren’t really able to tell the difference. Martin’s “downshift challenge” is to try the next level down from what you normally buy for each item and if – and only if – you can’t tell the difference (or don’t mind the difference!) – switch to that product.

Because food is a regular purchase, the potential annual savings on this are huge. I’ll be talking more about the scale of this tomorrow. Meanwhile, take a look at your weekly shop and see where there’s potential to go down a level. And let’s donate part of this week’s savings!

Money I’ve raised today: £0.00

Money I’ve raised so far: £799.17 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Week 39: how did we do?

Lots of lovely money coming at us this week, up £202 on last week with our grand total now standing at£9,657. Thanks and well done, all – we’re within shouting distance of £10k – let’s all do what we can to get us into five digits!

New project coming up next.

Dr Bell: What a nice man

After Dr Judy Mikovits’s highly technical talk about XMRV the other week, here’s one by Dr David Bell giving an overview for those of us without a biology ‘O’ Level and shooting his mouth off about what’s what with the retrovirus, in the nicest possible way. As he says, he’s not involved in the research, doesn’t know any gossip and so is free to say whatever he likes! And he does! And he’s lovely! 

Money I’ve raised today: £3.29 (JFQ’s cut of the profits from some stuff I sold on Ebay for a friend)

Money I’ve raised so far: £799.17 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Twenty percent: the dark side

Here’s one not to do for charity, in which twenty goes evil

Money I’ve raised today: £0.00

Money I’ve raised so far: £795.88 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Bouncing Fish #39: Belgian chocolate morals

These are the sort of ethics that Twix inspires in Belgium (sorry, still can’t leave Twix alone)… 

Money I’ve raised today: £0.00

Money I’ve raised so far: £795.88 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Pimp my Twix

I realise that this is in danger of turning into the Week of Twix rather than the Week of Twenty Percent but once again, my Twix googling led me to something interesting that I can’t resist sharing: the PimpMySnack site, which consists of people attempting to “take snacks to the limit”. 

Although the site is American, the Twix-pimping project proudly flies the British flag with a one-metre long version of a bar, complete with big fake wrapper. My personal favourite, though, is the Burberry-styled giant Curly Wurly.

Meanwhile, back on topic (not Topic), I was hugely, hugely tempted today by a bar of Rittersport lovely marzipan at £1.25 in the newsagent’s and made myself buy a Kitkat instead for 53p, a saving of considerably more than 20%! I shall donate the 72p difference.

Money I’ve raised today: £0.72 (saved by buying a Kitkat instead of posh marzipan)

Money I’ve raised so far: £795.88 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

A dangerous economy

While researching the price of a Twix for my post a couple of days ago, I discovered the shocking existence of the Twix 28-pack. It may work out at 10p a go instead of 41p but the clear temptation to piggery would be overwhelming and you’d just scoff the lot in one big chocolate-faced session. Those Twix people know what they’re doing.

False economy! Twenty percent gone too far!

Money I’ve raised today: £0.00

Money I’ve raised so far: £795.16 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Herbal tea: what’s the point?

I went out with a friend to my favourite cafe today and, it being my round, decided to have herbal tea instead of my usual cappuccino in order to save twenty percent on the bill. Nasty! Stewed weeds! Pffleurgh!

I’ve come to the conclusion that hot water on its own is actually better. On the few occasions when there’s been nothing else and I’ve been desperate for a hot drink, I’ve boiled up plain water. Weirdly, it actually tastes of something (like sucking on a pebble, come to think of it) and, even more bizarrely, it makes you thirsty.

Still, better than what I drank today – next time I shall ask to have the teabag separate and chuck it away!

Money I’ve raised today: £0.60 (saved by having herbal tea instead of coffee in a cafe)

Money I’ve raised so far: £795.16 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Week 39: The Week of Twenty Percent

Horrgakx/flickrWhen I was still working I used to fantasise about just working four days a week. In order to do that, I realised I would have to be able to get by on four-fifths of  my income. Could I do it?

“No”, is the short answer, because I couldn’t reduce my mortgage and fixed bills by anything like that amount. I found I could, though, reduce a lot of my everyday spending by a fifth with surprisingly little effort. So, this week, I suggest that whenever you’re about to buy something, stop and consider how you could get at least 20% off.

About to buy a Twix for 58p in your local newsagents? You could get it for 41p in a supermarket (29% off!). Or you could stay where you are but choose a cheaper bar of chocolate instead. Or some liquorice. Or you could just chew on your fingers (100% off! But painful!)

Aiming for twenty percent is very manageable and once you’ve thought how to save that much, you often end up saving even more. And all those twenty percents add up!

Money I’ve raised today: £8.65 (a friend kindly just gave me some stamps to use when selling my books on Amazon for JFQ)

Money I’ve raised so far: £794.56 (see my personal Justgiving pages via the links at the bottom of the sidebar, plus some I accidentally put on the communal pages!)

Week 38: How did we do?

We’re up a lovely round £100 on last week with a grand total now of £9,455 (breakdown of the figures is in the cashometer) – not bad for what has been calculated to be one of the gloomiest weeks of the year, based on distance from Xmas plus rubbish weather plus ages til the next holiday, etc. etc. Many thanks to all who donated! And onwards and upwards for our next project, coming up next.

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Just Four Quid

jfqpiggy4I offer a new moneysaving tip each week and you donate part of any saving direct to biomedical research charitiesME Research UK and/or the ME Association's Ramsay Research Fund via theirJustgiving.com pages or by mail or phone to their offices. Join in! Or if you're just dropping by, please tell your friends with ME (chronic fatigue syndrome) about this site.

DONATE!

These are our communal campaign pages for donation on JustGiving.com, which serves over 8,000 UK charities. Many individuals also have their own Just Four Quid JustGiving campaign pages as you can see further down this sidebar.

Ramsay Research Fund Justgiving page

ME Research UK Justgiving page

Endorsed!

Both charities that Just Four Quid supports endorse the campaign and promote it on their own websites (see the MERUK Just Four Quid page and the RRF Just Four Quid page). I never ask you to give money via this blogsite – you send it directly to the charities’ offices or donate via UK charity donation site JustGiving.

Cashometer!

jfqpiggy4Grand total raised is £9,657 as of this week; £6,029 MERUK and £3,628 RRF, including all Justgiving pages and offline donations direct to charities. Keep on giving!

Last updated 08/02/10

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