Is it worth paying more for expensive supermarket wine?

Are you missing out by buying cheap wine? Or are you wasting money splashing out on a special bottle? I’ve looked into whether the average punter like me can tell the difference. Plus, how you can tell whether a wine is on offer more often than full price.

I’m not a wine expert. If anything I find the variety available at the supermarket a little daunting. So when shopping I normally restrict myself to what’s on offer, normally paying between £6 and £8 – rarely more, never less. But I’d like to know more.

Fortunately, my friend Rob is a wine expert (he’s also a top chef – check out his website)! So I roped him in for a blind taste test. The aim was to see if there really is a difference between three bottles of wine. One priced £7.50 (on offer at £6), one priced £9 and one priced £13 (on offer at £11).

To make it slightly scientific, I bought them all from the same supermarket (Sainsbury’s) and all the same type of grape (Pinot Noir). Then I disguised the bottles and poured a glass of each for me and Rob.

To complicate it even more, we added in a £5ish bottle of wine to see how that compared.

Watch my latest video to see what happened:

For me, the most interesting result was neither of us particularly liked the most expensive bottle of wine. Though Rob felt it would improve with food, I’d have been hugely disappointed to spend the full £13 on it.

The cheapest bottle was almost half the price and at first sip, much nicer. Given the choice between the two, I’d have picked this one every time. Hey, I could have picked two bottles for the same price!

But the best one for taste and value came in at £9. Not only that it was an own brand “Taste the difference”. This is more than I’d normally spend, but it was really good, and I’d be happy to spend more to get something this nice. So perhaps the safest price point is around that mark?

Of course, the problem is for the amateur like you and I is we’re still guessing. And everyone has different tastes. But at least I know expensive doesn’t necessarily mean good.

As a result of our test, I’m certainly going to avoid supermarket wines above £9. I’d hoped the most expensive wine was going to be the best, and if I’d shelled out for one as a treat I’d have regretted it. I don’t think it’s worth the risk.

Perhaps the answer if you want something special is to ditch the supermarket. Rob advises heading to a local wine shop and talking about the wines you like. That way there’s less risk of wishing you’d just picked up the old familiar. And hopefully you’ll get to enjoy something new.

How much wine are you paying for in a bottle?

We weren’t able to keep all of Rob’s insight in this video (it’d easily have been close to 20 minutes – there’ll be another video soon), but it’s safe to say there are lots of factors which contribute to the price you pay at the supermarket. However, there’s one fixed cost which is quite dramatic.

Whether you buy a £5 bottle or a £200 bottle (as if), the price includes a flat £2(ish) duty.

Costs like bottling and shipping don’t change much either, so once you add on VAT and supermarket profit the wine itself in a £5 bottle could be worth just 50p!

But for a wine that costs £6, the wine could be worth £1.50. A wine that costs £9 could be worth an extra £3, if not more.

Though the wines we tasted showed expensive doesn’t mean good, and cheap doesn’t mean bad, it’s an interesting statistic to remember when comparing similar wines.

Are special offers the real price?

Some wines seem to be on special offer ALL the time, which makes me question whether “full price” is just an inflated figure to allow for “discounting”.

A great trick to find out the real price is the website/app MySupermarket. Here you can see price history, including how often the item is on special offer.

I took a look at some of the wines I frequently see cut-price to see just how often they are cheaper. The Casillero Del Diablo Cabernet Sauvignon has been on offer for more than 50% of the year at Sainsbury’s, while a Campo Viejo Tempranillo was only full price at Tesco for 24 weeks. Clearly both examples of the real price being the discounted price.

So what about the wines we tested?

Hautes Côtes de Nuits Pinot Noir

The first wine we tasted was reduced to £10.50 for 10 weeks in the last 41 weeks and then spent two weeks at £11 (when I bought it). So it’s been on offer for a third of the time it’s been on shelves at an average price of £11.98. Still an expensive wine by supermarket standards.

Bouchard Aîné & Fils Pinot Noir

The cheapest wine in our test was also on offer when I bought it, costing £6 rather than a full price of £7.50. MySupermarket shows the average price at £6.98 – but it’s been on offer for 17 weeks in the last year – so it’s cheaper one-third of the time.

Sainsbury’s Taste the Difference New Zealand Pinot Noir

Our favourite was £9, and MySupermarket shows the average price is £9.11. That’s because full-price for most of the last year has been a higher £10.  But I didn’t buy this Marlborough Pinot Noir on offer, so it must be a price cut, perhaps suggesting why we felt it was such a bargain. Again it’s been on offer over the last year, but less often than the other wines at just 25% of the time.

McGuigan Classic Pinot Noir

 This bargain £5.50 bottle I threw in at the end of our taste test is new on the shelves so there’s no price history to examine. But we both felt it’s a good price for an easy to drink “session” wine.

Approved Food review – is it any good?

The online retailer sells out-of-date stock at low prices. I’ve taken a look to check the quality of products and whether they’re good value for money.

You might remember a few weeks ago I organised a trip to a warehouse in Sheffield for my UK Money Blogger community. We went to visit discount food supplier Approved Food and I was pleasantly surprised by the ethos and range of products available.

However, as you all know I don’t recommend any products or deals unless I think they are good value. Since the only way to test Approved Food was to give it a go, I made my first order.

As ever I’ve not been paid for this – unlike most other bloggers I refuse payment in exchange for advertorial type posts. However, I was given some free credit to use under the proviso that I’d be honest in my assessment of the process and goods I received. So here we go, my thoughts on Approved Food.

What is Approved Food?

As a country we chuck out an astonishing amount of food that has gone out of date. As I explained in my article Best before, Use By and Sell by – what’s the difference?, it’s actually ok to keep eating grub past the best before date.

Now, it might not be at the optimum quality, but it’s safe to eat, and Dan who set up Approved Food told me some stuff is fine for years.

What can you buy?

I went through every page of the website to look at every product. There are chocolates, cokes, cereals, spices, cakes, crisps… the list goes on.

Surprisingly there’s also a decent chunk of stuff that’s either doesn’t date, or is still in date. There’s a beauty and cosmetics section with items that don’t even have a best before date.

Depending on when you shop you might also find some “seasonal” items at a very low price. When I looked there were plenty of Christmas chocs, and I’m sure it won’t be long before there are Easter goodies available.

What you can’t really do is a regular shop, as the stock is based on what they get from retailers and manufacturers.

Is it good value?

Since most stuff is out of date there’s a decent discount on the retail price. Plus, there’s a lot of “5 for £1” going on, a call back to owner Dan’s market trading roots.

Most of the items I saw were far cheaper than the supermarket shelf price.

However, there were a few things where you could get the same price or similar at the likes of Tesco. It’s worth having MySupermarket open in another tab so you can quickly check if the price is comparable. But on the whole, you are spending less.

The main downside is that you do have to pay for delivery. The full price for a standard box is £5.99, and increases if you have large orders. You need to work out if your order compensates for the charge. There’s also a minimum order of £17.50.

To help, I’ve negotiated a half-price delivery code – more details at the bottom of the article.

What I bought

It seems any decent blogger records an “unboxing” when they get a delivery. It doesn’t happen very often for me, so I thought I’d give it a whirl in the video above.

The purpose of the order was to review the service so I made sure I got some out of date items. Now, I can’t vouch for the quality of all the products yet – I need to use them first – but I was pretty impressed.

Here’s what I ordered and the cost/saving:

Product Price paid RRP
Nouvelle Soft Toilet Roll 9 Pack £0.99 £4.70
Brooklyn Brine Co Hop Gherkins £0.59 £1.00
Chilli Plantain crisps £0.39 £0.90
Hovis Granary Bread mix £0.89 £1.00
Thai Taste Massaman Red Curry Paste £0.89 £1.89
Nouvelle Soft Toilet Roll 9 Pack £0.99 £4.70
Wilkin and Sons Hot Gooseberry chutney £0.39 £0.59
Oral B 3D White toothbrush heads £6.99 £12.80
Crystal Head Vodka £24.99 £48.50

Is it worth it?

I’m really happy with my order. The bulk of the items are all things I’d have bought anyway. I’m also dead chuffed with my vodka skull. I’ve always coveted these in duty-free, so to get one half-price was a great bonus.

Plus, I like the ethical aspect that by ordering you’re cutting out the amount of food going to landfill. So, yes Approved Foods does meet with my approval. But a few caveats.

First, don’t get carried away by the bargain basement pricing and bulk orders. You should still only buy items you want and need.

When I looked I could have picked up 24 of my childhood favourite Pepperami for just a few quid. Great value, but I’m not going to eat that many salami snacks (I mean, I could… No! Bad idea).

Also, you need to factor in that though some items have a decent discount on recommended retail price, offers in supermarkets can sometimes beat them.

But on the whole, as long as you order enough to justify the delivery charge, you can make some really good savings.

>> Shop at Approved Food

The 2014 Save-Ometer starts here!

I know people can save plenty of money with Be Clever With Your Cash. I know because I already do.

But how much? To be honest I’ve no idea! So the mission I’ve set myself is to not just have a spending diary, but also a saving diary. Everything I save I’ll put into the 2014 Save-Ometer for you all to see.

In essence, as with everything on Be Clever With Your Cash, all my savings are about making money go further and still enjoying my life. It’s not about stopping doing things or just eating lentils!

It’s much harder to record and measure savings than spending. Many of the savings will be subjective and non scientific, but you’ll just have to trust me!

If you want to know how I plan to keep track, keep reading…

This isn’t an exact science, so here’s my logic for different ways I’ll keep track.

An Alternative Me

Imagine a person who never thinks when they spend. For example they book the train on the day,for the time they want to go, oblivious of advance fares, peak times and railcards. Now, pretend that person lives my life exactly as I do, does the same things, they just don’t know the tricks I do. This is the person I’ll measure most savings against.

Saving Isn’t About Buying The Cheapest Option
I could save plenty if I just bought value food products. But I’m a foodie and don’t want to! However, I can choose decent, cheaper alternatives. For example choosing a cheaper loaf of bread. Here I’ll take the saving between my first choice, like the pricey Warburtons bread, and a decent alternative in the shop I’m in – if they have one.
The same applies to something like going for a meal. If there are a few things I fancy on the menu but I consciously choose the cheaper option because of the price, I’ll save the difference with my other choice, not the most expensive thing on the menu.
The Abstract Savings

I can’t say I saved money by not buying clothes or taking a holiday if I can’t afford it anyway. But I can afford to buy lunch each day, so taking a packed lunch is a saving. But how much will I save if I don’t have a product to compare it to? I’m going for conservative £4 for a sandwich and a drink as a benchmark price in London.

As with holidays etc, I won’t include things like choosing to go out less or not buying something. I’m doing that because my budget is smaller than it was.

Only Clever Savings

I also won’t count anything too obvious. The majority of Londoners use Oyster so it’s a cheat to say I’d be saving against cash fares. It is a saving if a season ticket works out better.

You Can’t Always Save

Remember sometimes you just can’t get the cheapest or make a saving, but it doesn’t count as an ‘anti-saving’. If your local supermarket is a Budgens (as mine is) then picking up a handful of basics on the way home will cost more. The savings have to fit into my life and sometimes I will have to pay more than I’d like.

Sometimes I’ll get Distracted by A ‘Bargain’

This will happen. Something that’ll seem too good to be true. If I buy something, or spend more than planned, be said it’s a good deal, then I’ll add the value back on.

It Only Counts When It’s In The Account

Cashback can take a few months, so though the saving might be in March I won’t record it until it’s in the account. Similarly I’ll count points on Tesco Clubcard as the minimum value when I receive them, and any double discount will apply when I use them.


So it starts Jan 1st! At the end of each month I’ll write a blog to summarise some of the best savings.

Any questions, just post in the comments below.

Save-Ometer July: Why a lack of time doesn’t mean you can’t still be Clever With Your Cash

You can still be smarter with your money, even if you don’t have much time.

The first six months of my Save-Ometer challenge all seemed quite easy. But July was a lot trickier as I’m busier than I’ve been all year. Even so, I’ve managed to spend 37% less than someone who isn’t Clever With Their Cash.

July Total

Actual Spend £1,756.41
Value Of Spend £2,787.55
Saved £1,031.14 (including interest and cashback) – that’s 37%

Though I’ve made some fantastic savings this month, I know it could have been a lot more. I’ve started working full time writing for a big personal finance site, meaning I’ve been working on Be Clever With Your Cash mornings, evenings and weekends. The result is there’s been less time to shop around for the best prices.

Not everyone has two jobs like I do right now (well, one and half), but plenty of people do have commitments that eat into their spare time. If that’s you, you might have been reading the site and blog posts and thinking “It all sounds great, but I don’t have time to do everything Andy does”. There’s certainly truth there – but even before this new job, I didn’t manage to do all these things!

Being clever with your cash isn’t about making or saving the most money. I might be a little obsessed, but that’s my problem not yours! The most important thing is to only do what works for your life, and the time you have available.

If you only manage to grab the odd deal or bargain I write about that’s still great. If you manage to follow some of the tips, even better!

If you can keep in mind tips like buying train tickets in advance, using some of the Clever Sites we feature or fixing your energy deal, these savings will add up over time, giving you more to spend or save. I’m managing to spend around a third less than I could – but even five or ten percent would be a fantastic saving.

Prioritising what’s important to you, and what you can manage, is the key. For me I’m saving as much as I can so I spend that money on our wedding and hopefully a holiday instead.

July

Having said that July was pretty low spend – which is good for our wedding fund. There haven’t been any major purchases, but that just shows that the little savings really can add up.

Now I’m not at home during lunch, the temptation is there to spend on lots of exciting food stalls near my office. But as I wrote about in this Spendonomics blog, that’s not good for llbs or £££s! Over a year I’ll be saving over £500 by taking a packed lunch.

The big spend – and save – in July was switching my phone, broadband and TV deal to TalkTalk. I’ve paid my annual line rental upfront, saving £60. Add to that a half price offer, cashback, a voucher and a YouView box that’s mine to keep, and I’m over £200 better off than simply doing nothing and staying with Sky. Take a read of my new guide to see how you can get the best deal when your contract expires.

READ THE SAVE-OMETER INTRO BLOG TO FIND OUT MORE ABOUT HOW THE SAVE-OMETER CHALLENGE WORKS.

2014 Total so far

Actual Spend £14,963.10
Value Of Spend £23,072.74
Saved £8,111.64 – (35%)

Month By Month Totals

January 2014:
Actual Spend £2,401.21 / Value Of Spend £3,817.86 / Saved £1,416.65 (37%)
February 2014:
Actual Spend £1,305.25 / Value Of Spend £1,888.20 / Saved £582.95 (31%)
March 2014:
Actual Spend £2,209.29 / Value Of Spend £3,538.68 / Saved £1,329.38 (38%)
April 2014:
Actual Spend £2,339.99 / Value Of Spend £3,622.89 / Saved £1,282.90 (35%)
May 2014:
Actual Spend £1,883.45 / Value Of Spend £3,137.28 / Saved £1,253.83 (40%)
June 2014:
Actual Spend £3,067.50 / Value Of Spend £4,282.29 / Saved £1,214.79 (28%)
July 2014:
Actual Spend £1,756.41 / Value Of Spend £2787.55 / Saved £1031.14 (37%)

Save-Ometer August: How I cut spending by a third

The top ways I’ve cut my spending this month

The Saveometer challenge is my way of seeing exactly how much the tips and deals I feature on Be Clever With Your Cash can actually save someone – and that person is me! I’m writing down EVERYTHING I spend, and how much I’ve saved from full price (you can read all about it in the intro blogpost). It’s a real eye opener, as consistently each month I’m spending a third less than the value of the life I’m leading!

August Total

Actual Spend £1,677.90
Value Of Spend (i.e. what it should have cost me) £2,440.05
Saved £762.15 (including interest and cashback) – that’s 32%

Here are the biggest savings in August:

Vouchers and freebies

August has been a crazy month for getting something for nothing! Free burritos from online competitions; £20 off Morrisons vouchers for the cost of four copies of The Sun newspaper; free drinks, snacks and t-shirt at a GAP 45 year old party. The list goes on. In total I got £200 in discounts, cash rewards or free goods. I’ll feature most of these on social media, so to hear about them first, you can follow us on Twitter, Facebook or Google+.

Advanced booking hotels

We went to three weddings in August, all involving an overnight stay for a night or two. The old me would probably have forgotten all about it after receiving the invite (I still do that with the gift lists!), but as soon as they dropped through the post and RSVP sent, I checked out the hotels. We went with the Travelodge/Premier Inn type places and saved against their regular price through booking months in advance, which is the figure I’ve used here to work out the saving. All were fully booked when we checked in so if we’d left it really late we’d probably been forced into paying even more at pricier alternatives.

My own lunch

I know I mentioned this before, but I’ve saved around £75 this month just by bringing a packed lunch to work most days. By the time I’ve been working in a office (I worked from home until May) for twelve months, that’s going to be practically a grand I’ll have not spent on food. It’s a huge amount. Read my Spendonomics blogpost for more details. Those posts take a bit longer to put together but I hope to have a couple of new ones for you in September.

READ THE SAVE-OMETER INTRO BLOG TO FIND OUT MORE ABOUT HOW THE SAVE-OMETER CHALLENGE WORKS.

2014 Total so far

Actual Spend £16,639.00
Value Of Spend £25,512.79
Saved £8,873.79 – (35%)

Month By Month Totals

January 2014:
Actual Spend £2,401.21 / Value Of Spend £3,817.86 / Saved £1,416.65 (37%)
February 2014:
Actual Spend £1,305.25 / Value Of Spend £1,888.20 / Saved £582.95 (31%)
March 2014:
Actual Spend £2,209.29 / Value Of Spend £3,538.68 / Saved £1,329.38 (38%)
April 2014:
Actual Spend £2,339.99 / Value Of Spend £3,622.89 / Saved £1,282.90 (35%)
May 2014:
Actual Spend £1,883.45 / Value Of Spend £3,137.28 / Saved £1,253.83 (40%)
June 2014:
Actual Spend £3,067.50 / Value Of Spend £4,282.29 / Saved £1,214.79 (28%)
July 2014:
Actual Spend £1,756.41 / Value Of Spend £2787.55 / Saved £1031.14 (37%)
August 2014:
Actual Spend £1,677.90 / Value Of Spend £2,440.05 / Saved £762.15 (31%)

September Save-Ometer: I’m nearly 10k up this year by Being Clever With My Cash

The top ways I’ve cut my spending this month

The Saveometer challenge is my way of seeing exactly how much the tips and deals I feature on Be Clever With Your Cash can actually save someone – and that person is me! I’m writing down EVERYTHING I spend, and how much I’ve saved from full price (you can read all about it in the intro blogpost). It’s a real eye opener, as consistently each month I’m spending a third less than the value of the life I’m leading!

September Total

Actual Spend £1,639.33
Value Of Spend (i.e. what it should have cost me) £2691.40
Saved £1,052.07 (including interest and cashback) – that’s 38%

Here are the biggest savings in September:

Cashback

It’s been 12 months since I first signed up to American Express, so I’ve cashed in the cashback points I’ve earned in that time – and it was a stunning £197! You can read about how you can earn cashback in my Be Clever Basics guide: Cashback explained.

NUS card

As well as discounts on the odd bit of shopping and some cinema tickets, I was also able to get concession tickets to see my face footy team Crystal Palace, saving around £25 across two matches. I’m sure some of you will be asking – “But you’re not a student?” Well, there’s a perfectly legitimate way to get an NUS card – and student discounts. You just need to buy an online course with certain companies and you’re eligible for the card, which costs £15. You can read more detail about how to get one in my How to get an NUS card & discount – even if you’re not a student article.

Shopping around for insurance

We’re off on holiday in December and we’ve also a wedding next year, so it was time to get some insurance sorted for both. It can take a bit of time comparing the cover and prices. This is defintiely somewhere that the cheapest option probably isn’t the best. Yes, you’re paying for something you’ll – hopefully – never need. But you can save by getting the best value of like for like policies. Think about if you need a higher or lower excess as raising it can cut the cost. Add in cashback and we saved around £60 on comparable products.

READ THE SAVE-OMETER INTRO BLOG TO FIND OUT MORE ABOUT HOW THE SAVE-OMETER CHALLENGE WORKS.

2014 Total so far

Actual Spend £18,279.33
Value Of Spend £28,204.19
Saved £9,925/86  (35%)

Month By Month Totals

January 2014:
Actual Spend £2,401.21 / Value Of Spend £3,817.86 / Saved £1,416.65 (37%)
February 2014:
Actual Spend £1,305.25 / Value Of Spend £1,888.20 / Saved £582.95 (31%)
March 2014:
Actual Spend £2,209.29 / Value Of Spend £3,538.68 / Saved £1,329.38 (38%)
April 2014:
Actual Spend £2,339.99 / Value Of Spend £3,622.89 / Saved £1,282.90 (35%)
May 2014:
Actual Spend £1,883.45 / Value Of Spend £3,137.28 / Saved £1,253.83 (40%)
June 2014:
Actual Spend £3,067.50 / Value Of Spend £4,282.29 / Saved £1,214.79 (28%)
July 2014:
Actual Spend £1,756.41 / Value Of Spend £2787.55 / Saved £1031.14 (37%)
August 2014:
Actual Spend £1,677.90 / Value Of Spend £2,440.05 / Saved £762.15 (12%)
September 2014:
Actual Spend £1,639.33 / Value Of Spend £2,691.40 / Saved £1052.07 (39%)

Save-Ometer: How I got £14,000 in 2014 by being clever with my cash

Twelve months ago I set myself a challenge to see just how much I could save in a year…

The Saveometer challenge was my way of seeing exactly how much the tips and deals I feature on Be Clever With Your Cash could actually save someone.

Rather than guess, I decided to put my money where my mouth was and do it for real myself.

I wrote down EVERYTHING I spent during 2014, and how much I saved from full price, plus anything extra I earned such as cashback.

I knew I was good with my money, but I never expected that I was doing this well. So how much exactly did I save in the last 12 months?

I saved (drumroll please)…

£13,917.23

Actual amount I spent – £23,473.01
True value of spend – £37,390.24

That means I spent 37% less than I should have.

What does that mean?

The idea wasn’t to spend as little as possible. Do that and you could easily save even more money. But would you have any fun? This was about getting more for less.

I still lived my life as normal, which included Glastonbury festival, a holiday to New York, a new iPhone and eating out far too much. And if something didn’t have a saving, I didn’t turn it down – some things you have to pay full price!

Saving £14,000 doesn’t mean I’ve got that money left over. Though I did put into savings accounts throughout the year, I only included interest earned in this challenge.

It’s better to think of it as how much more did I get for my money.

It’s like getting a £22,000 pay rise

If I’d done all the things I did last year, gone all the places, bought all the meals and so on, but done it at full price, I’d have needed a salary of £52,000 to break even! I earn nowhere near that and would have gone well into debt. Plus I wouldn’t have put anything aside for my wedding this year.

To do it all at the prices I actually paid, you’d only need a salary of £30,000 a year.

That’s essentially a £22,000 – or 43% – pay-rise before tax!

How did I do it?

You know when people say every little helps, well it really does. Yes there were some three figure savings such as when I renewed my home insurance and bought a new freezer. But they only made around £1,000. Really it was the £1 here and £20 there that made the bulk.

Here are some of the ways I paid less and links so you can read more – but just search the site and you’ll find plenty more.

It wasn’t just paying less – I also made a little extra

It wasn’t all about finding cheaper alternatives. Cashback from TopCashback and my Amex credit card on my spending bought in a whopping £1,000. Interest earned on my savings came to £500 thanks to current account stacking.

Plus don’t turn your nose up at freebies – they came to £1,650! Yes I wouldn’t have bought that puzzle from WH Smiths, but it made a good gift for my folks. Signing up for newsletters got me £100s of free tickets to top West End theatre productions, while the O2 Priority Moments app gave away everything from my Christmas cards to free cinema tickets.

Could you save as much?

My savings are compared to my spend. If you spend more you could probably save more money. If you’ve less to spend, you’ve less to make. But if you look at it as a percentage, I saved 37%. I’m sure most people could easily get close to a third more value from their cash.

Part of the way I measured a saving was against someone who didn’t save at all – which is pretty unlikely. But I know plenty of people who spend over a tenner at work every day on lunch and coffees, think nothing of getting a black cab rather than tube or bus, auto-renew their insurances and have never used a comparison site.

I think a decent saving is achievable for everyone – even if you’re limited for free time. I wasn’t entering every competition under the sun or going out of my way to pick up things for nowt. Yes, it does take more time to shop around, but I hope this article helps you see just how much it can be worth.

If you’re reading this, you’re probably already clued up on some ways to be clever with your cash. But there’s more you can do, and that’s why I started Be Clever With Your Cash – to help others find ways to get more for their money and still have fun! Make sure you sign up for my newsletter and follow me on Twitter, Facebook or Google+ to read my blog posts and deals first.

What next?

I’m looking forward to not writing down every time I spend money, and I’m certainly not going to keep such detailed records. But I have got a budget to stick to in this wedding year, so I’ll still be making sure I keep track.

I’d like to see how you lot do and if you can even beat my percentage saving, so keep an eye out in the coming weeks for details of how you can take part in the challenge and write a blog post for Be Clever With Your Cash. You can email me if you’d like to know more.

2014 Month By Month Totals

READ THE SAVE-OMETER INTRO BLOG AND THE MONTLY ENTRIES TO FIND OUT MORE ABOUT HOW THE SAVE-OMETER CHALLENGE WORKED.

January 2014:
Actual Spend £2,401.21 / Value Of Spend £3,817.86 / Saved £1,416.65 (37%)
February 2014:
Actual Spend £1,305.25 / Value Of Spend £1,888.20 / Saved £582.95 (31%)
March 2014:
Actual Spend £2,209.29 / Value Of Spend £3,538.68 / Saved £1,329.38 (38%)
April 2014:
Actual Spend £2,339.99 / Value Of Spend £3,622.89 / Saved £1,282.90 (35%)
May 2014:
Actual Spend £1,883.45 / Value Of Spend £3,137.28 / Saved £1,253.83 (40%)
June 2014:
Actual Spend £3,067.50 / Value Of Spend £4,282.29 / Saved £1,214.79 (28%)
July 2014:
Actual Spend £1,756.41 / Value Of Spend £2787.55 / Saved £1031.14 (37%)
August 2014:
Actual Spend £1,677.90 / Value Of Spend £2,440.05 / Saved £762.15 (12%)
September 2014:
Actual Spend £1,639.33 / Value Of Spend £2,691.40 / Saved £1052.07 (39%)
October to December 2014:
Actual Spend £5,194.68 / Value Of Spend £9,186.05 / Saved £3,991.37 (43%)

How to spend less on Christmas food and drink

Save money on your festive favourites

From big turkeys to posh chocs – Christmas is a time to over-indulge. So how do you enjoy your festive feast, but get the best value possible? I’ve got a few ideas.

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Image of mince pies

Make a list

Really basic, but it’s the best money saver. Once you know who’s coming over for Christmas, work out exactly what you’ll need, and write it all down. Don’t forget to check your cupboards and freezer for any ingredients you already have.

This is much better than just buying more than you need, which will not just cost you more money but could end up as unused leftovers.

Not sure how much to buy for Christmas dinner? Checkout this portion guide from BBC Goodfood – it will help you know exactly how much food you’ll need to buy.

Hunt for bargain veg

To entice you into their supermarkets at Christmas many retailers sell vegetables for pennies in a Christmas veg price war.

So far this year, we know that Asda, Sainsbury’s, Tesco, Lidl and Aldi have all announced they are selling 15p veg from 19 – 24 December and Morrisons is beating everyone else by selling theirs for just 10p!

Frozen or fresh – you decide

Frozen turkeys are cheaper than fresh, so you could save money on one of your most expensive Christmas purchases – only if you have a large enough freezer to store it and you’re willing to put up with the faff of defrosting on Christmas eve!

You can also buy it early which can help spread the cost of Christmas

And speaking of frozen, this year Iceland are offering a Luxury Christmas Dinner for four for just £25. That’s lunch sorted for only £6.25 per head.

Go own-brand

For those non-priorities, you can spend less by trying own-brand versions. For example, you might always buy a bottle of Baileys at Christmas, but most supermarket own-brand versions taste exactly the same – but cost a lot less. 

And own-label mince pies are nearly half the price of the well known cake brands, and by the time you’ve consumed dinner and had a glass or two of Baileys, you won’t know who’s mince pie you’re eating!

Avoid festive packaging

Often you’ll find something is branded with Christmas packaging, but there’s a normal alternative available on another aisle that’s either cheaper or better value.

Having different prices for what is essentially the same product can be confusing. Take pigs in blankets from Waitrose. The standard pack of 12 costs £5.25 for 12, whilst the Christmas branded pack is £6 for 12. But the Christmas pack is on a 3 for 2 offer, so depending on how many you need, could work out cheaper!

Ditch selection packs

It’s quite rare that someone enjoys all the biscuits in a Christmas tin, all the chocs in a festive box or all the crackers in a bumper cracker selection.

These selection packs more often than not work out more expensive than buying individual packets, so unless it’s in a pretty tin and you want to give it as a gift, you might want to stick to the individual packets instead, as once they’re out of the packet and on a serving plate, you wouldn’t know if they were from a festive pack or not.

To put this into perspective, the Jacob’s Festive selection box of crackers is currently £4 for 450g in Tesco (Clubcard price), whilst Tesco’s own-label cream crackers cost just 49p for 300g – that’s 73p per 100g cheaper.

Book your online delivery slot

Slots are bookable at all the major supermarkets, with some releasing extra Christmas delivery slots nearer to Christmas. So you haven’t missed out on all the available slots yet.

And don’t forget, if you want to avoid the crowds there’s always lots of ‘click and collect’ slots left, nearer to Christmas.

Wait for some reduced deals

If you can hold your nerve, then the day before Christmas is one of the best days of the year to snap up clearance food, including turkeys, vegetables and fresh gateaux. 

Since many shops will shut on both Christmas Day and Boxing Day, there’s a lot of food that will need to be cleared from the shelves.

But like the clearance section most evenings in supermarkets, you can never count on getting what you want.

It’s obviously a risk buying your turkey discounted on Christmas Eve, so if that’s too much of a gamble, then you can always buy what you need in advance and use Christmas Eve to shop for bargains you can freeze for other celebrations like New Year or even Easter. 

And don’t forget, after the festivities are over, you’ll often find crackers, wrapping paper and cards reduced to clearance, so if you have room in your loft, then stock up on those Christmas essentials for the following year.

Use your leftovers

Turkey sarnies, turkey curry, turkey soup, turkey stir-fry…just think Bubba in his famous shrimp recital in the Forest Gump movie! It’s possibly the one time of year where we actively enjoy using up leftovers. 

There are so many helpful recipe ideas online including this selection at Olive, that there’s no excuse to let any Christmas food go to waste. 

And if your fridge is packed to the rafters like mine is at Christmas, just make note of the use by dates  so food doesn’t go to waste.  If you don’t think you can finish it before the use-by date, just remember, many Christmas goodies can be frozen, including foods like cheese, mince pies and cake.

London travel: How to claim forgotten and owed cash on Oyster and contactless cards

From deposits to unfished journeys to delay refunds, you could be owed some money back from TFL on your Oyster and contactless payment cards.

The BBC reported this week that there’s almost £400million of cash sitting on Oyster cards that haven’t been used for a year or more. That’s a huge amount! 

I’m not surprised. A few years ago, before we moved out of London, Becky and I realised we hadn’t used our Oyster cards for years as we’d moved over to contactless. So we cashed our Oysters back in for a total of £5 each. Easy money that was never going to be used.

And this wasn’t the only time TFL owed me cash. From card reading errors through to delayed journeys, I often claimed back money to my payment cards – both Oyster and contactless.

Here’s how you can claim back your money, and a few other ways to make sure you’re not owed any cash or travelling in London.

How to claim back your Oyster deposits

With more than half of payments now made via contactless cards, it’s likely that if you’re a Londoner that you’ve got your old Oyster just sitting about with at least a fiver sitting on it. You might even have more than one!

And if you’ve visited London at all since 2003 when the cards were introduced you might have picked one up too since journeys were much cheaper with one than via a paper ticket.

Half of the £400 million in unused cash is made up of a £5 deposit. You had to pay this when you first got a card. So if you have an Oyster card at home it will have £5 on it.

The rest of the leftover sum is pre-paid balances, which averages £3.46 per Oyster cardholder. Obviously you might not have anything extra if you didn’t top-up the last time the balance was zero, though at the same time there are 784 cards with a maximum balance of £90 sitting on them according to TFL figures. 

To get the money back you have a few options. If you have registered your Oyster card you can do this online via your Oyster account. Your card will be cancelled once you do this. If not, then you can do it at a ticket machine as long as the balance is less than £10 (not including the £5 deposit). Failing that you’ll need to call TFL.

How to claim back for incomplete journeys

Though the tap-in, tap-out system has made journeys so much easier in London, it’s not perfect. I had times where card readers didn’t work or turned off to ease congestion (and gates were left open as a result) which meant I wasn’t able to show a full journey. I also had a few occasions where I mistakenly used different payment methods at each end (usually when I was using Apple Pay on my phone).

When this happens TFL estimates where your journey began or ended, and there’s a good chance it’ll cost you more than your actual journey.

To fix this you must have registered your Oyster or contactless card with your TFL account. Once this is done you can go in and input where you should have tapped in. Refunds to Oyster will be in the form of prepaid credit, while on contactless it’ll be refunded back to your card.

You have eight weeks to correct a journey, but you’ll only be able to claim three times each calendar month.

Apple / Google Pay warning

A quick aside here if you use your phone to tap in and out. I used to do this on my commute, but occasionally I’d use the same linked card itself. Logic says this shouldn’t make a difference, but it sadly does. That’s because they are treated by TFL as different payment methods. 

This can lead to incomplete journeys, or reduce the chances your total spend will get capped each day and week. So stick to one payment method.

How to claim for delayed journeys

If a journey is delayed by more than 15 minutes you’re entitled to that fare back. In my experience the delays always tended to be about 13 minutes!!

The delay has to have been within TFL’s control, which means it won’t payout if you’ve been delayed due to a strike, security alert, bad weather, planned engineering works or a customer incident (such as someone getting ill on a train).

But you will be able to claim if the delay has been down to things like a signal failure, broken train or non-planned engineering works.

Again, the easiest way to do this is via your online account, so make sure you register your cards if you haven’t already.  claim 

Other places to find lost and forgotten cash

As I’ve written about before, Oyster cards aren’t the only place you could find some long lost cash. From loyalty schemes to cashback sites, it’s worth having a look at what you’ve forgotten.