Monday, March 23, 2015

Price Books

One of the biggest areas I'm trying to save money in this year is our grocery budget. Groceries aren't cheap anywhere, but particularly in Australia, where I can fill up a trolley and before I know it I'm out of pocket $300 - and I'm a pretty frugal shopper!

Coupons aren't big in Australia, so we have to find other ways to save at the checkout. One thing I've found to be really useful in the last couple of months is a Price Book. You may have heard of them over the years - it's not a new concept. The basic idea is that you keep track of grocery prices for the items you buy all the time, so you can compare prices across stores or the best sales price.

I had read about price books a few times, but never really got into them. To be honest, I wasn't big on the idea of lugging a big notebook around the supermarket. But hey, it's 2015, and yes, there's an app for that! There are probably plenty, but the one I found was called Price Book, by RedBog Software. It's on iTunes and I believe it's on Android too. I can't tell you exactly what I paid for it, but it was only a few dollars.


Essentially, the app is a tracking system that allows you to add a list of stores, and all the products you buy. You can sort them by category in whatever way suits you. For each item, you add the quantity (so it can calculate unit price), the price, when and where you bought it and if it was on sale.


It is a little tedious to sit down after shopping and input prices, though it is getting quicker each time as I find there are more and more regular items I don't have to add into the system. I am updating my records as I find a better sale price on items, or if the non-sale price changes. Right now this isn't really simplifying my life, but I know in the long run it will pay off.


It is really useful to have the prices of items on hand, because there's no way I can keep all that in my head - I know the basics like milk and bread, and I know the prices I'll happily pay for meat and vegetables, but that's about it.

One thing I found interesting is that it challenged my perception of the cheapest stores. One of the things about having an Aldi in town is that other supermarkets drop prices to match. There are many staples that are the same price, or only a couple of cents more, than at Aldi, so it's worth getting these anywhere. Or there are things like muesli bars that regularly go on sale for 50% off, so the brand names become a better deal than Aldi's similar products, so long as you can pick them up on sale.

Other times I'll think something is a good price, only to consult my price book and find it's really not. I've had this app for less than two months and I've used it in the supermarket quite a few times already.

It's very useful to have the unit price in front of you too - it's amazing how sneaky some items are, particularly chips - the big bags can vary by as much as 50g in size, making it much harder to work out if the price is competitive.

It is also good to keep track of the items I buy less often - if I'm only buying something every six months or one year, then I really have no idea of the price from year to year.

If you want to discover more about price books, Pinterest is a good place to start. I thoroughly recommend getting a notebook or an app and just starting - right now I'm in the winging it stage, but it's working just fine.


Monday, March 16, 2015

Why I didn't ditch Foxtel

The big master plan this year is to save a lot of money and make a dent in the mortgage. One of the ways I've been doing this is by looking at our regular expenses and seeing what we can cut back or do without.

I've been debating what to do with Foxtel (Pay TV). We only got it put on last year and enjoy it, but don't use it heaps. Our package was $84 a month.
Image result for foxtel images
Yes, I am well aware that plenty of people will tell me that I don't need pay TV. I know that. I also don't need alcohol or chocolate or fabric, but don't try and take those things away from me either. We are not in a dire situation, we are just trying to be more careful with where our money is going.

I like watching CMC, the country music channel. Mr Mess claims to need the sports channels for the soccer. Miss Mess would feel like her throat had been cut if I took away her kids channels. So Foxtel is staying.

BUT....

Today I got a Foxtel brochure in the mail and it prompted me to look at the packages currently available. I decided that we could switch our packages to the basic Entertainment bundle (which includes my beloved CMC), the Sports bundle and the Kids bundle for the kids and it would bring the monthly bill down to $60. We'd lose lifestyle and documentaries, which we rarely watch anyway.

So one phone call later, we save $24 a month or $288 a year. So it's not mega bucks, but it's still a couple of days work for me, and that's worth a 15 minute phone call.

It's not always about cutting things out, sometimes just cutting back will reap rewards.

Monday, March 9, 2015

Beginnings

This is a humble little personal blog, designed purely to chronicle my journey to creating a simpler life for my little family. I'm not aiming to find a million (or even a hundred) readers, though if you happen to read and enjoy, feel free to stick around.

Advance warning: there will likely not be many fancy pictures. They may not be many pictures at all.

There will also likely be a bit of swearing. It's how I am.

I am on a personal journey to improve the state of my household. Not that it's super terrible or anything, but with a bit more work and direction, things could be better. Yeah, I'm probably not alone there.

It's about budgeting and paying a shitload off the mortgage. It's about finding ways to save money, even though we're on a less than average household income.

It's about living with a lighter environmental footprint. Generating less waste, buying less stuff.

It's about decluttering and organising my home. Maybe even cleaning it occasionally too.

It's about simplifying and being content with less.

It's about making more for ourselves.

It's about taking better care of our bodies and food choices.

I believe all those things overlap, and while sometimes I'll be more focused on one than others, I hope to move forward with all of them.

It's about Making Everything Simpler, Sweetheart.