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Hpc Users Thread To Cheap Living

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There are 2 diffrent ways to save money, one is to cut down on consumption the other is to get consumption cheaper, and a bit of both seems the best way, but depending on your circumstances.

guess it should be broken down to essentials and non essentials.

so in the manner of viz i thought i would make a thread for people to put the good money saving tips they know of down for others.

The main tip i would give is whatever you do shop around for price, never accept the first quote ie dont rush into it like the salesman wants you too.

the best mortgage rate ive found is this

dumfermline bs 4.19% fixed for 2 years with no tie in after the 2 years is up, the only perhaps disadvantage is the it has a LTV of 80% only so realy for those with a decent deposit.

if you aint got 20% deposit the next best ive found is

Leeds Building Society Direct 4.26% this however is fixed for 3 years and a LTV of 95% so might suit some better.

best broadband deal ive seen is

uk online only 9.99 month for 1mb unlimited

if its speed your after the same firm has 22mb unlimited for 29.99 month

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Uncooked pasta makes for a fantastic cheap meal and saves energy costs. Some crunchy macarone or spiky spaghetti with a glass of tap water goes down a treat.

It expands in your stomach and so you dont feel hungry all day, it has enough carbohydrate to keep you going for a good few hours.

For protein, an unboiled egg

Vitamin C, calcium and fat - a pint of unskimmed milk

I reckon an adult could survive on that mixture for years (although they may suffer from constipation)

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Vitamin C, calcium and fat - a pint of unskimmed milk

I reckon an adult could survive on that mixture for years (although they may suffer from constipation)

What about a pint of full fat milk with 4 value weetabix from TESCO; that should solve the problem :)

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Has anyone ever looked at the 'Living below your means' forum on the Motley fool website?

It does sometimes have some good tips.

I heard this one once;

Youa can get a BA flight cheaper by booking through American airlines (might have been united). There is apparently a button you can click to say you are travelling for the UK.

I believe savings are something like £50+

EDIT: Sorry for got to add link!

Edited by laughing_goat

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How about live within your means, don't get 100% self-certification mortgages, don't stretch yourself to get on the property ladder, and don't live on credit cards, and don't spend stupid amounts of money on credit cards, basically use your own cash, save and live within your means. If we all done that we wouldn't be suffering from high inflation and the sorry state that we're in now with regards to house prices. Oh forgot to add don't go to university, don't take on student loans.. the amount of young people i see driving brand new cars, in fact the amount of brand new cars on the road full stop. We live in a credit fuelled society, live now, pay later, and the expense that someone that works hard and saves has his savings relatively eroded away due to rising costs fuelled by credit in the market.

rant over :rolleyes:

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Has anyone ever looked at the 'Living below your means' forum on the Motley fool website?

It does sometimes have some good tips.

I heard this one once;

Youa can get a BA flight cheaper by booking through American airlines (might have been united). There is apparently a button you can click to say you are travelling for the UK.

I believe savings are something like £50+

EDIT: Sorry for got to add link!

I used to do similar with the Car Ferries to Europe - as I can read/understand French we used to book through the French website!

Far, far less than English quotes.

They have cottoned on to this though!

I haven't tried the French sites for over a year now - since ferry prices dropped due to increased competition.

I am sure you would find Ryanair/a.n.other carrier cheaper if you book through French/Italian/German/Spanish/Czech website too!

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1) I personally like to shoplift, very cheap, no stealth taxes.

2) Go for drinks with a big group of friends, nip to the toilet when people are finishing their drinks. Make excuse and go home.

3) When not minesweeping drinks, live a miserly existence at home. Bitterly begrudge buying tesco 'saver range' bread at 19p a shot. Mutter 'rip off' at bemused till assistant.

4) Dont use heating or hot water. Occasionally wee on oneself to create illusion of warmth.

Finally, a tip from my tight-fisted Uncle- dry your teabags to re-use them (honest!). The guys loaded. You'd think he would enjoy life.

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Here's a good one

Anyone in 'the sticks' not hooked up to 'mains' sewage can claim £40odd a year rebate off your water rates!

You now have an Xtra Christmas binge night on me (and your water company :rolleyes: )!

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Paying rent is so 80's! Join the in crowd and let your landlord subsidise your living costs. Here's how:-

* Only ever rent from one of those 'gentlemen businessmen' Australians who infest our major cities. They have robust senses of humor, and appreciate the banter that can occur between a tenant and parasite sorry landlord.

* Fake some references and give a 'nom de plume'. Pay the first month's rent in cash, change the locks, and then...

* no more nasty rent! It will take the slippery Antipodean months to winkle you out.

* Tell him you are a Kiwi, and he will even let you stay free for up to a year, as they try to track down your legal guardians in Wonga Wonga, South Island.

* When you leave, steal the boiler and repaint the whole house like a goth tomb.

* Don't forget to superglue the locks on the way out!

You landlord will think he has died and gone to heaven as your little 'joshes' teach him valuable lessons about the consequences of being a complete and utter c**t t*ss** w*nkp*t parasite!

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Paying rent is so 80's! Join the in crowd and let your landlord subsidise your living costs. Here's how:-

* Only ever rent from one of those 'gentlemen businessmen' Australians who infest our major cities. They have robust senses of humor, and appreciate the banter that can occur between a tenant and parasite sorry landlord.

* Fake some references and give a 'nom de plume'. Pay the first month's rent in cash, change the locks, and then...

* no more nasty rent! It will take the slippery Antipodean months to winkle you out.

* Tell him you are a Kiwi, and he will even let you stay free for up to a year, as they try to track down your legal guardians in Wonga Wonga, South Island.

* When you leave, steal the boiler and repaint the whole house like a goth tomb.

* Don't forget to superglue the locks on the way out!

You landlord will think he has died and gone to heaven as your little 'joshes' teach him valuable lessons about the consequences of being a complete and utter c**t t*ss** w*nkp*t parasite!

Rofl.

..A meal for two in a parisian restaurant.... #145

..The look on you Landlords face when he realises you've turned his duplex into a goth tomb and f**ked off.... priceless.

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1) I personally like to shoplift, very cheap, no stealth taxes.

2) Go for drinks with a big group of friends, nip to the toilet when people are finishing their drinks. Make excuse and go home.

3) When not minesweeping drinks, live a miserly existence at home. Bitterly begrudge buying tesco 'saver range' bread at 19p a shot. Mutter 'rip off' at bemused till assistant.

4) Dont use heating or hot water. Occasionally wee on oneself to create illusion of warmth.

:lol::lol::lol::lol::lol::lol::lol:

By the way, don't think we hadn't noticed your sudden bouts of incontinence every time it's your turn to buy a round. ;)

Edited by IPOD

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Why not just feck off to Somalia or Nigeria. Stay there for 2 years and get citizenship. Then come back to this country as a refugee and get housing and government benefits whilst all the hard-working citizens of the UK pay for your FREE ticket

RESULT!!!

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Why not just feck off to Somalia or Nigeria. Stay there for 2 years and get citizenship. Then come back to this country as a refugee and get housing and government benefits whilst all the hard-working citizens of the UK pay for your FREE ticket

RESULT!!!

Back of the net,

In off the pink.

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Filling up your kettle at night & allowing the warmer room temperature to heat up the water by the morning, saves some electricity compared to heating it up straight from the cold tap.

I've also found slicing open a cow and climbing inside for the night like in Star wars 'the Empire Strikes Back' keeps the heating bills down.

When on holiday, this can be done with a cold blooded animal like a crocodile (or estate agent)to save on the air conditioning bill.

Edited by Saving For a Space Ship

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1) I personally like to shoplift, very cheap, no stealth taxes.

2) Go for drinks with a big group of friends, nip to the toilet when people are finishing their drinks. Make excuse and go home.

3) When not minesweeping drinks, live a miserly existence at home. Bitterly begrudge buying tesco 'saver range' bread at 19p a shot. Mutter 'rip off' at bemused till assistant.

4) Dont use heating or hot water. Occasionally wee on oneself to create illusion of warmth.

Finally, a tip from my tight-fisted Uncle- dry your teabags to re-use them (honest!). The guys loaded. You'd think he would enjoy life.

I like eating those Cadbury cream eggs which are helpfully placed on the paper stands at WH Smith, whilst reading the investors chronicle

Teabags are always good for two cups. The great Nicholas van Hoogstraaten re-uses his.

Munching away on snacks at supermarkets whilst doing a weekly shop is rather good. The bakery section tend to leave out samples, and rather nice they are too!

Lots of EAs now have nice cool water, just the thing for sultry summer days.

London train stations turn off the automatic barriers late at night and all the inspectors have knocked off.

Tin bashing and stock near use by date is an oldie, but a goodie.

Asking fellow motorists for unexpired pay and display tickets.

Edited by shermanator

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Fathers: Give all your sons the same forename as yourself. You will then be able to share a single AA membership when they are old enough to drive.

Then your bl**dy father runs up a huge debt just before he retires and it shows up on your credit file. My father wanted to call me Uhuru ('Freedom' in Swahili) because he was in Kenya for their independence, my silly mother named me after him. Don't do it!

My top tip is Freeview. Used to have cable (can't stand Murdoch products) but Freeview cheaper and I don't miss 900 channels of shopping and porn (well maybe not the shopping :unsure: )

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Guest muttley

Need a cr*p in the morning? Wait until you get to work.

Not only do you save on toilet paper,you are getting paid to do it!

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In addition to cycling to work, have a shower at work - great for water/leccy bill :P

Keep those eyes peeled for free beer tasting/ consumer research nights.

Rent out your spare room (especially if single, possible paying female company!)

Edited by A late entrance..

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May I suggest, to the gentleman miser, upon being invited 'round to his neighbour's for a Xmas drink: whilst pretending to visit the lavatory, instead pop down to the cellar, half inch an armful of his very best vintage wine, deposit it over the garden fence, then return to the happy soiree, guzzle your way through as many single malt triples as possible whilst stuffing your face with fiddly little nik-naks that taste of jiz and foul tasting Waitrose olives? Your smug, oh so f***** happily married neighbours will be none the wiser and will even invite you back the following year. :ph34r:

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hehehe good mix of serious and very funny top tips

how about setting up a buisness dumping you neighbours old furniture then breaking it up with an axe and selling them it back for kindling.

offer to fix peoples computers and replace there 512k mem with a 64 stick (most of them wouldnt even notice the diffrence)

while walking the dog pick up all the pop cans you see crush and bag them throughout the year and this will pay for your christmas (seriously) i know a guy that does this and last year made 380 pounds when he weighed them in.And at same time kept the park a lot cleaner.

get yer clothes from charity shops some good stuff to be had cheaply there.

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  • 301 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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