Yeah I didn't notice a difference in the chest freezer either. Tell hubby you will wash over night on time delay to make up for power. Get some prices off the net also
We switched from woolies to aldi and save at least $80/wk on grocery bills. We also eat vego meals one night a week and I make a big batch of slow cooked shredded beef that lasts for two meals. Nachos, chilli con carne, tacos or tossed through some stir fry veg etc
We cut back to one car. Utilise groupon type deals for socialising and entertainment and don't drink.
Also setup all your bills by direct debit to come out each week and chip away at them slowly even before they are due. We pay $15/week on our mobiles etc. by the end of a few months we are ahead in payments and can skip a months bill and use that $60 elsewhere. Setup your savings to come out automatically. Don't wait till the end of the week to see what's left. You live within your means if it's there it gets spent.
You can also look at consolidating your debts into a lower interest loan and make additional repayments etc.
We used to throw away so much uneaten food, and then get take away. Have saved heaps on money by being stricter with eating at home. Originally did it to lose weight, but have also ended up saving money by being more organised- such as always carrying a snack with me, so that I don't buy snacks when out.
Another idea, which I saw on the tv show The Checkout, is to call all your service providers- insurance, electricity, loans etc etc, and ask them what the best deal they can offer you. Once the retention team gets involved, they can offer significant discounts (we're three months into negative electricity bills- they cut our tarriffs, and now our solar is earning us more then we spend!)
Be careful about smart meters- they will work for some people, but for others you will be worse off (if you use electricity during weekdays and evenings generally). As an example, peak time here in Vic is considered to be 7am-11pm mon-fri. I didn't want to be switched onto to smart meters but didn't have any choice. It's working so far, but can't imagine the power company has done some thing that wouldn't benefit them in the long run!
As well as the above I reconcile all my accounts to my budget in excel. This helps keep on top of any little bits and bobs I spend. The spreadsheet also shows my how much money will be saved at the end of the year if I don't overspend. I've also set it up so it tracks home loan repayments and other personal loans so I can see how much will be paid off at the end of the year as well as seeing the impact of additional payments.
I find having this spreadsheet motivates me to be wise with my money.
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