Tag Archives: budget

Shopping on a tight budget – five top tips

Shopping takes on a new dimension when you have low or no income.

Recently I was a student and my shopping budget was £17.50. Currently I am waiting for benefits to start so I am getting by with my savings.

So how do you manage? Here are some tips for getting the best deals.

  1. Skip Shopping (known as “skip diving”).

No, I don’t mean give shopping a miss altogether, I mean shop from a skip. Seriously. It beats “dumpster diving” (salvaging items from shop bins is a step too far for me). It is not illegal to take items from a skip as it is rubbish and it is in an area accessible to the public. There is always one in our neighbourhood. I look over its contents quickly as I walk past. If I see something, I wait until I go back home via the skip. I check to make sure the street is empty (for the sake of my dignity) and then I whip out the item as quickly as possible. I have so far retrieved a leather Michael Kors handbag, a lacy black top and a flowery mug from two skips. These items are completely free of charge and all they require is a thorough and careful clean to restore them to their original glory. I simply sponged the handbag with soap and water and used some make-up wipes to remove any makeup on the inside. The mug went in the dishwasher and I am waiting to see how the top looks after a good wash. Getting the handbag (worth approximately £100) from the skip gave me the same dopamine hit as finding a cut-price bargain at TK Maxx. Priceless shopping is just what you need when you’re on a tight budget.

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2. Get back to basics

If you shop at Waitrose when you are on low income or unemployed you either live off your partner/trust fund/inheritance or you are delusional. Waitrose was the first shop I crossed off my list when I became a student. Say goodbye to the pink Himalayan rock salt and culinary experiments. I stick to the economy/basics section of most supermarkets or I shop at Aldi. I still haven’t found cereal cheaper than their £1.15 granola.

But be warned, other supermarket basics are often a similar price. Retailers sometimes just sell less food for the same price. My diet mostly revolves around the 30p bag of pasta and the £1 bottle of pesto.

The secret is to buy in bulk. I bought a 5 kilo bag of rice for £5. It requires 30 minutes to cook instead of the 3 minutes for microwave rice, but it is at least three times cheaper and I have the time now that I am unemployed. To make that into a meal, I combine it with a sliced frankfurter from a jar or packet (whichever is cheapest) and a 15p tin of tomatoes with herbs from Aldi. You can also buy a tin of frankfurters in tomato sauce and have that on toast if you don’t have the preparation time. I actually like tinned ravioli as well.

You can make a meal out of instant noodles by adding spinach, ham and even a boiled egg, ramen-style. For a snack I do nachos with a packet of mozzarella for 80p and a tin of tomatoes, with a small pot of sour cream (cheaper than guacamole).

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3. Shop savvy with “discounts”

Newsflash. Just because it’s reduced or on special offer doesn’t mean it’s a good deal. Sometimes the shops use this as a psychological grab because most people presume that this means it is much cheaper. If the discount doesn’t make the item at least £1 cheaper then forget it, it’s not a good deal and you’re just buying something more expensive than the basics variety. My mum taught me this trick and it’s really helped me look after the pennies (and the pounds will take care of themselves).

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4. Want new clothes? Let family/friends know, go to a clothes swap or charity shop.

Recently two friends have had a wardrobe clear out and I have accumulated a new one as a result. The only problem with those clothes are that they are past season. They fit, they look great and I now have more than one day dress. Charity shopping is about knowing when to go. The best time is in late June or July when students move out or return home.

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Credit: The Tamburlaine Hotel, Cambridge

5. Special offers and vouchers

Use vouchers as often as you can for as much as you can.

If you are on 3 Mobile you occasionally get a free tea/coffee, a free film or even free chocolate! The free tea offer encourages me to get out of the house and gives me much-needed caffeine for the job hunt.

 

 

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Filed under Advice, Life of Lydia, Uncategorized

Unemployed…again.

“The-greatest-teacher-failure-is.”-Master-Yoda-Star-Wars

Since my last blog post, my life has changed completely.

In November 2017 I decided to apply to do a postgraduate nursing diploma. I had spent years working my way up to a well-paid steady job as a civil servant. But I wanted to have a job where I could help people. It was a gamble but it was the last year of the bursary – it was now or never.

“My bursary was £450 and rent is £380 – all activities were limited by my budget.”

I am no longer on the course but I hope that I can start again, because I really enjoyed both the academic and practical aspects of the course. It involved military discipline and if I wasn’t passionate about nursing I wouldn’t have managed it. I woke up at 6am to go to placement, got back at 5 or 6pm, ate a sandwich for dinner and then wrote a 6 000 word essay in the library until it shut at 9pm…for over a month.

My bursary was £450 and rent is £380, so all activities were limited by my budget, even food shopping. Gone were my flights of fancy at Waitrose. Now it was Aldi or Co-Op basics. The 30p bag of pasta and the £1 jar of pesto with some defrosted peas or carrots became my go-to meal.

Despite the long hours and low budget, patients kept me strong, smiling and focused and made the experience enjoyable. Being able to provide care was a privilege and gave me a deep sense of contentment.

It made me realise that caring for others is not just what I do, it is a fundamental part of who I am. It gives my life more meaning and purpose.

This is why I volunteered to help at a Dementia Cafe with a wedding theme this week. I immersed myself in the experience, from blowing up confetti balloons to hearing people’s life stories. It was a welcome relief from the stress of feeling lost, confused and worrying about the future.

If I don’t get another chance, what am I going to do?!

Things couldn’t be tougher. The intense combination of university and placement have been replaced by throwing myself at the job market. My bursary has been stopped but I still need to pay the rent. I have already had to endure two consecutive days of rejections from two job agencies.

“I didn’t get off the sofa most days.”

If I don’t find work in June, I will be forced to give up my independence and move back in with my parents. My housemate couldn’t believe it. “I love living with you” she said, “please don’t move out.”

I never thought I would be in this position again. It has been two weeks so far. The first week I was an emotional wreck and I came down with a sore throat and a cold. Exhausted and drained both physically and emotionally, I didn’t get off the sofa most days, crying, blowing my nose through a full loo roll and watching TV. I didn’t have the energy for anything else.

But when you’re at your lowest, you realise how lucky you are to have so many good people around you. Everyone gave their time to listen, offer advice, meals, and a shoulder to cry on. With their support my week gradually improved, and I was able to focus instead on my birthday celebrations.

I have already tried to get care work but sadly it wasn’t possible. I have no formal qualifications in it (despite years of experience) and I can’t afford a car.

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A few days ago I decided it was time to stop crying and get off the sofa. Partly because I had watched everything remotely interesting on TV catchup, from the BBC to More4 and ITV. There was only dreary daytime TV left.

I started by creating a more positive and restful environment. I tidied, cleaned and hoovered the house. The saying “clean space, clear mind” is confirmed by research showing that messy rooms cause excess cortisol production and can be distracting for the brain.

I then began a Post-It Power Plan, where I brainstormed ideas to find a way forward. It was a good method to get some clarity in the chaos.

I am either too qualified or too unqualified – I am stuck in Catch 22 limbo.

Yesterday my job mission continued. I rang up three job agencies and applied for admin work online. So far I have been turned down by two job agencies on the basis that although I have experience, it is not recent enough. This is a new level of competition compared to the “you don’t have enough experience” response when I was last unemployed some five years ago.

But persistence is key if you are to break through the increasingly reinforced walls of the current job market. The next day I ramped up the pressure by going in person to other job agencies with my CV and even going into various businesses with it. It is always more effective going to a job agency in person than contacting them by telephone or email. In person they can practically smell your desperation as you offer to give their employers your time on any basis, working for any pay and at any level, as you hand them your CV, your passport, your CRB certificate and your dignity. They can see that you’re tired from walking around all afternoon in the pouring rain in your business power dress.

Next week I am going to a job fair where up to 25 companies will be hiring and I will be spamming companies with CVs. By the time I’ve finished, I will be surprised if there is a business in the city that has not heard of me. Short of walking around with a billboard strapped to me, reading “AVAILABLE FOR WORK NOW” and my phone number, there isn’t much more I can do.

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I now have a busy week of job-hunting to look forward to next week. I have signed up with one agency and I have an appointment with another next week. I also have an appointment for Jobseekers Allowance. I am dreading going back to this handout again, it is so shameful that at my age and with my experience I will now have to sign up to weekly harassment involving job skills workshops, when I got a first in a careers development module at university. I know how to gain employment. The problem is that I am either too overqualified, or too underqualified – I am stuck in Catch 22 limbo.

I was in this desperate position when I started this blog in 2013. The blogging community spurred me on and eventually my documented struggle to find employment attracted over a thousand views a month from all over the world.

If you are in the same boat and you are struggling to keep your head above water, read this article about the importance of learning from failure and being patient until you succeed.

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Filed under Jobhunting, Life of Lydia, Uncategorized