Receipt Apps

I always get asked what receipt apps I use, so I thought it a good idea to dedicate a post to my favourites. If you don’t mind market research companies knowing your purchases, then this is a simple way to make a little money back on your shopping. It’s not a quick way to make money, but by simply scanning a receipt when you make a purchase, you will build up points that you can redeem for cash or gift cards (usually a minimum of £5).

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Shoppix

You can check out Shoppix here: Shoppix.com. I use Shoppix because it is easy to use, and they accept both physical and e-receipts . They accept most purchase receipts from the big and smaller retailers. They even offer extra ways to earn points such as surveys, and they award you scratchcards for free.

HuYu

You can check out HuYu here: huyuapp.co.uk. HuYu accept only grocery shopping receipts from Tesco, Morrisons, Sainsbury’s, Asda, Waitrose, Aldi, Lidl, and Co-op. HuYu also offer surveys to gain extra points.

Storewards

You can check out Storewards here: I used to use Receipt Hog, but they closed down as of September 2020, and Storewards took their place. Storewards also accept most purchase receipts in physical and e-receipt form.

Shoppium

Shopmium is a slightly different take on the receipt scanning, but I love this app. Shopmium is a free app, and allows you to access freebies or discounts on specified items in specified stores. All you need to do, is check the app for the deals you want to take them up on, buy the product and keep the receipt. You then scan the receipt and the barcodes of the products, and Shopmium will transfer you your money back via Paypal or your bank.

Check out Shopmium here: Shopmium.com

I currently have a referral code for Shopmium: If you put this code in when you sign up, you can get a free gift.

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Free Books on Amazon

I am an avid reader and enjoy finding books at my library, in charity shops, and I also check Amazon for freebies for Kindle. I have compiled a list of books that are currently free on Amazon with links.

*If you don’t use Amazon to read ebooks, but would like to, you can get the Kindle app for free from your App store.

*These books are free at the time of posting.

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Horror

Romance

Fantasy

Sci-Fi

Crime/ Thriller

Children’s Literature

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Winter Money Saving Tips

I love winter. It is my favourite time of year, but with winter comes some extra costs. I have compiled a list on how to save money and cut costs during this season. I feel autumn is the best time to get ahead on some of these tips, hence why I feel now is a good time to post this.

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  1. Keep the heating off as long as you can: I don’t mean make yourself suffer, but f the weather is mild and you can throw on an extra layer to stay toasty, then keep that up for as long as you can.
  2. Keep your heating as low as you can: We find that just taking the chill off is best for us. My children don’t like sleeping in hot rooms, and our house heats easily, but sometimes to the extreme. We keep the heating on a low setting that keeps the house warm, but not roasting hot.
  3. Use your oven heat: If you are using your oven, then leave the door open a little when you have finished. (Only is safe to do so.)
  4. Switch out curtains: Lined curtains hold in more heat than thinner ones. If you don’t have lined curtains, adding an extra sheet or blanket will work the same.
  5. Cut off draughty areas: Draught excluders are great to place along the sills on windows or the bottom of an exterior door. If you don’t have draught excluders, rolled up towels work well, or you can make your own draught excluders by chopping off the legs of an old pair of trousers and stuffing them with either an old cushion insert or newspaper.
  6. Use your slow cooker more: Winter is the time for soups, casseroles, and stews. Using a slow cooker instead of an oven can save energy. Yes, it saves energy even though it is on all day.
  7. Buy winter clothes before the season starts: This is especially important if you shop second hand. Waiting too long will mean the charity / thrift shops may be cleared out of winter clothes.
  8. Invest in winter shoes: Even if these are just a simple pair of welly boots. A winter boot is designed for bad weather and will save your other shoes getting wet and damaged.
  9. Use your dryer at night: Winter weather means that dryers are used much more. If possible, drying at night will reduce the energy cost. The same goes for your washer.
  10. Put a fluffy, dry towel in your dryer: Dry towels help absorb more water and your load will dry faster.
  11. Limit baths: I know when you get in from work or errands cold and wet, you may feel like soaking in a hot bath. If you can resist the urge and hop in a hot shower instead for five minutes, you will save money on water and energy.
  12. ‘Winterise’ your summer wardrobe: If you need a new winter wardrobe, look at what you have first. Can your summer dress be ‘winterised’ with tights and a cardigan? Can that t-shirt work well under an unbuttoned shirt?
  13. Batch cooking: Batch cooking meals such as stews saves money on ingredients and the energy it takes to run the cooking appliances. Also if you are cooking in the oven, why not use that energy to also bake your cupcakes etc at the same time.
  14. Time your last lawn mow correctly: In the winter, grass doesn’t stop growing it just slows. To minimise the need to mow too much and to keep your lawn in good condition through winter, wait until your area is due its first frost and cut it short just before.
  15. Keep doors closed: If you are heating rooms, keep the doors closed to avoid losing heat. We heat specific areas of the house and don’t want to lose energy into our hallway etc.

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DIY Paper Leaf Wreath

I absolutely love making paper leaf wreaths as the whole family can get involved. My toddler even coloured in some leaves to add to the wreath, so when I look at it, I know we all had a part in the making of it.

This wreath is simple to make and can be recycled after if you wish.

What you will need:

  • Autumnal colour markers/ pencils
  • Leaf templates

You can find the leaf colouring page we used here: coloringhome.com

  • Glue
  • Scissors
  • Cardboard (Cut into a wreath circle)

Method:

  • Print out your leaf templates. Ensure your print enough to make a full wreath.
  • Colour in the leaves in autumnal colours.
  • Cut out the leaves.
  • Cut a ring out of your cardboard to create the wreath base.
  • Attach your leaves to the wreath with glue, building the layers up to make it full and bright.
  • Allow to dry.
  • Either attach a piece of string to hang it, or sticky-tack it to your chosen surface.

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DIY Photo Frame To Do List

My 9 year old likes to write her school morning routine down, so I repurposed an old photo frame into a wipe clean to do list for her bedroom. It was incredibly simple to make, and I have made it simpler by creating a free A4 printable of our template for you to download.

Get your copy here:

This is a brilliant idea for Christmas gifts (if you are thinking that far ahead). You can hunt n local charity shops for some second hand frames, print off some templates, pop the print outs inside, and gift them with a white board pen.

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Can StepChange Help You?

Back in January I wrote a post about StepChange Debt Charity, what they do, how they can help you if you are struggling with debt, and that there is no shame in giving them a ring to see if they can ease some of your financial worries.

Recently, StepChange contacted me about their ‘Solving the Nation’s Financial What Ifs’ campaign. This is especially important in 2020 with the unprecedented year we have had. Many people are facing new financial woes due to job loss, unemployment rises, business failure due to lockdown and Covid 19.

This post is to let you know there is help available, and it is worth a phone call to speak to someone who can give you debt advice and discuss debt solutions.

You can find out more about StepChange and get started with the process here: Stepchange.org

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Using Colouring Sheets as Gift Wrap

Whether you use your children’s colouring pages or your own, more intricate, adult colouring books, the pretty sheets make beautiful gift wrap. I think this is a very frugal as you get to repurpose your artwork, and it can also be recycled after use.

I enjoy colouring the abstract designs and feel this makes the best gift wrap (see picture). If you don’t have any colouring books to hand, you can also Google some freebies to print out, colour at your leisure, and then reuse as gift wrap.

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Autumn Craft: Decoupage Candle Jars

I like making seasonal crafts with my children that can also double as decor. This candle jar craft is great for older children. My 9 year old really enjoyed this and asked to make more, which we shall do in the near future.

What you will need:

  • Clean jars
  • PVA glue
  • Paint brush
  • A damaged book (newspaper works well too)
  • Autumn leaf print outs (I used google to find some)
  • Small candle
  • Scissors

Method:

  • Rip some books pages up into various size shreds
  • To decoupage you need to glue the surface , stick on a shred of paper, and then glue over the top of the paper. You build up the book pages in layers, gluing over the top of each piece.
  • When happy that the jar is covered, cut out the leaves from the print out and arrange them on the jar. Ensure you glue over the top of the leaves too.
  • Leave it all to dry.
  • Place a candle inside.

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Super Simple Homemade Garlic Bread

If you have bread, butter, and either fresh or pureed garlic in the pantry, then homemade garlic bread is a must!

My kids enjoy garlic bread as much as me, and if I don’t have any in the freezer, I can whip up some without a fuss.

Ingredients:

  • Slices of bread (any kind)
  • Butter
  • Garlic cloves or puree (I use 1 tsp of puree)
  • Chopped parsley is optional (dry or fresh- use less if it is dry).

Method:

  • Combine your butter, garlic, (and parsley) together in a bowl.
  • Slice your bread if it isn’t already.
  • Spread the butter mix onto your slices.
  • Bake in the oven at about 200 until the bread toasts and the butter melts. Timings are dependant on thickness etc.

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Why Start Christmas Preparations Early?

We are now in September, and if you are not well under way with some Christmas prep, I advise you to do so. I really benefit emotionally and financially from starting early.

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Why I Start Early

To spread the cost: I like to think of the time until Christmas in pay checks. I start buying bargains and sale items from January as and when I see them, but I properly up my bargain hunting game in September. We get paid monthly, so that means (depending on the date payday falls on in December) that we have 3 or 4 pay checks before Christmas. It also makes it sound scarily close and gives me a kick up the backside to crack on.

I cannot afford Christmas on a single paycheck, as we all have bills to pay first and they don’t just stop because it is Christmas. I have to spread the cost to avoid getting into debt.

To eliminate stress: The biggest stress for me at Christmas is money, but I also dislike being unorganised. Starting early helps eliminate both of these stresses for me.

To save money: Being able to keep an eye on the sales or hunt for bargains really does save me a lot of money. Unlike December, toys are not sold out or have massive price increases, and I can shop around for the best deal.

To shop secondhand: The saying why buy new when used will do really applies when saving money at Christmas. I always keep my eyes peeled for toys and clothes that my children will like. Yes, I am picky when buying second hand gifts; I don’t want them to look second hand, but when I see a bargain I grab it. Secondhand books are great for gifting. Hunt around for some in great condition and put some away for nieces and nephews or even classmate gifts etc.

To go handmade: With a little more time you can put a little more thought and effort into your gifts, whether that is making some yourself or shopping around for handmade items locally. Making gifts is much more personal and can save you a lot of money.

To save money: Giving yourself enough time to save will cut the stress and help you to not go in debt.

To make money: This follows on from the above point. If you work out how long you have until Christmas and a total figure you are aiming to spend, you can pick up a side hustle or sell items you no longer need to go toward your savings.

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