When to save and when to spend.

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I try and be thrifty with my family, but as regular readers will know, I often fail.  Many things are worth paying for, and sometimes when I have gone thrifty it has cost me double.

For example, last year, when I replaced my flat tyre with a cheaper version than the original.  Four weeks later I found myself in the tyre shop, again, spending more of my hard earned cash.

I bought the cheap tyre because I had bought cheap car insurance.  When the tyre went flat I suddenly discovered that my insurance didn’t cover me for flat tyres. I found out that most car insurance policies don’t cover you for flat tyres, so don’t expect them to! Next time I won’t go so cheap on my tyres…

Knowing when and what to insure is hard work.  I have never insured my phones but have a reputation for breaking them regularly. I have a friend who insures everything, including taking out e-cig insurance when she recently stopped smoking.

Many time I wish I was more like her!

So, over the last year I have learnt a few lessons and have a better idea of what to scrimp on and what to pay for.

Thrifty Things

Food – can be bought cheap and still taste delicious, Aldi has served us well for a while now and I reckon our shopping bill is half what it used to be.

Kids Clothes – Sales, charity shops, hand me downs.  I can’t remember the last time I paid full price for an item for the child.  Children grow so fast that it is easy to find second hand bits that look as good as new.

Toys – As above, eBay, local Facebook groups, second hand thrift sales are all great places for picking up next year’s Christmas stocking gifts.

When to splash the cash.

These are things I would recommend investing in.  Where buying the cheapest on the market doesn’t always pay off.

Car Insurance – it costs a lot when things go wrong with the car, so go for quality comprehensive cover if you care about your car. My biggest fear is being hit by an uninsured driver, but with comprehensive cover I don’t have to worry about it. The AA’s comprehensive option will also replace damaged or stolen child seats, and cover accidental damage – which is a huge sigh of relief.

Home cover – When my twins were tiny we knew the chaps in our home insurance team by name.  My son had chronic reflux and changed the colour of our carpets daily.  As he grew older he managed to burn the new carpets with a hair-dryer, re decorate the walls with a biro and lose my diamond earrings down the plug hole.

I (non surprisingly) have always been extremely grateful to our insurance providers.

Shampoo –  Really! Cheap shampoo leaves your hair looking like string.  If anyone knows of a cheap brand that doesn’t achieve this unfashionable look please let me know!

Carpets – Trust me, once you have replaced them twice because of one small boy, you will appreciate the importance of having decent carpets underfoot!

 

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