Bargain Betty

Bargain Betty's money savvy tips

Christmas spending

November4

I have quite strong views about Christmas Spending, but I appreciate that there are other money personalities out there and I’m not necessarily right and other wrong.  I’m intriged as to what others feel on the subject of presents:

1. Why do you give? Do you give to get something in return, do you give becuase it boosts you psychologically, or some other reason.

2. Do you think families should set spending limits on Christmas spending?

3. Do you like receiving money or vouchers?

4. Would you prefer money or vouchers to a present?

5. Does an expensive present mean more to you than a cheap one? (Be honest here)

6. How do you feel when you get something you don’t want?

7.  Any other thoughts about Christmas spending?

Sony Bravia

September14

Bargain Betty has finally weakened and sold out to the God of wide-screen TVs. I’ve avoided this moment for a long time as I really don’t believe in replacing things that ‘ain’t broke’. My old TV certainly wasn’t broken.  What once looked like a large TV, however, had shrunk. Subtitles and weather information appeared off the screen.

To make the purcahse less painful I have been saving up points on my True Rewards credit card.  I get these points according to what I spend on the card.  Yet I never ever pay interest. So the points are money for nothing.

That, however, is no reason:

a: to treat the points as a bonus. They could have been used to buy a supermarket or petrol voucher, and therefore transferred into cash

b: to buy a more expensive TV than I would otherwise. For the record, I bought the cheapest Full HD 40+ inch TV I could find.

Bargain Betty’s children are very happy.

Birthday cake topper

September2

I really should do a posting about birthdays.  It’s my son’s birthday today and even though the party is at home it’s cost a small fortune.  I do have to say I was very impressed with EasyCakeToppers.co.uk, from which I bought a Manchester United cake topper.  This is the company’s website: http://www.easycaketoppers.co.uk/

I phoned the company at 9.30pm UK time. To my complete surprise a real person picked up the phone at that time of night and the order went out in the mail the very next morning. The parcel arrived six days after the order was placed and the total cost including postage etc was NZ$13.40. That’s a bargain.

It is even personalised with “Happy 9th Birthday Milo” on it.  When I did a quick Google search last week  I couldn’t find a New Zealand company offering these – although there probably is. Even if I did, I’m sure it wouldn’t have been that reasonably priced.

Eating like a freegan

March15

This is a post originally written for my MSN column:

I’ve twice been accused of being a “freegan” — because I visit friends and family to raid their fruit trees. True freegans, however, shun spending money on anything. They find ways and means to get whatever they need for free.

Freeganism can be taken to real extremes, such as living off the land — or local landfill. You’d have to be pretty dedicated to go that far. Yet all of us can eat a bit like a freegan if we put our minds to it. Here are some suggestions.
Pot roast that bunny: I read once — with mild horror — about Christchurch resident Eng Tang, who checks out small ads for unwanted animals such as pet chickens and rabbits, which he collects for the family dinner.

Get to know your neighbours’ gardens: If your neighbour is a keen vegetable gardener, let them know you’re happy to take any leftover produce. Crops such as silver beet, capsicum, tomatoes, and fruit trees including guavas, lemon and apples may produce more than the property owner can eat. If you’re smart about this and spread your net widely enough you might never need buy fruit again. To thank your donor, pickle or bottle some of the free food they gave you and give it back to them as a present. That’s a sure fire way to be given more raw product.

Take advantage of public fruit trees: Within a 200m radius of my home I’m aware of a large number of olive trees, one apple tree and one feijoa — all on public land. “There’s bush tucker everywhere,” my wide-eyed Australian friend noted, when she visited. Within a kilometre there is a huge overgrown fennel patch in a Department of Conservation reserve and several parks that produce mushrooms. Check with your local council or DOC conservancy office if they’re happy for you to pick the fruit.

Grow your own: Plant fruit trees and other perennial plants, such as silver beet and rhubarb. Even better, get cuttings from your friends or harvest and save the seeds from last year so you don’t need to pay for the plant in the first place.

Build a chicken coop and beehive: My neighbour has both a chicken coop and two beehives, producing more eggs and honey than he can use himself. It costs money to set these up, and effort to look after both. If you discount his labour, then the ongoing cost is nil — providing you put the time in to get the variety of food your chickens need. I know one family that gets waste from the vegie shop for their chickens — although the somewhat eccentric husband, has been known to eat the outer leaves of the lettuce and cabbages himself instead of feeding them to the animals.

Barter: Exchange food or other items with your friends. You could even offer your labour in exchange for garden produce.

Have no shame: You could always check out what local bakeries, restaurants etc do with their waste produce at the end of the day. In the US it’s not uncommon for local freegans (sometimes called dumpster divers) to check out the waste bins at supermarkets. For the record, I could never do this unless life as we know it changes unrecognisably, which is why I’ll never be a true freegan.

Food banks: If you’re really and truly cash strapped, you could contact local churches, many of which have food banks. But these services are meant for the truly destitute.

Learn about edible plants and weeds: You don’t have to look far to find edible plants and weeds. Even weeds such as lambsquarters, dandelion and chickweed can be eaten.

Finally, freegans don’t believe in wasting food even if it was acquired for free. Many believe it’s their social duty to use food that would otherwise be wasted. It’s up to us as individuals as well to eat up all the food we buy instead of letting it go into the landfill.

Baked beans

February20

Way back when I lived in the UK I read an article about baked beans. It was a comparison between Heinz (Watties here in NZ) and Tesco (budget) brand.  It said that there were significantly more baked beans in the branded Heinz can.

I carried out an experiment to compare the contents of Watties and Budget brand beans.  The result was that

I counted 311 beans in a Budget brand can and 430 in a Watties can. That’s a huge difference. I also weighed the beans after they’d been drained for 30 minutes, but the results weren’t relevant. Budget brand has a thin sauce that runs off easily and Watties has a thick sauce that doens’t drain in a collander.  I guess I could have heated them.

We also had a blind taste test.  Both of my children and an adult relative decided they liked the taste of the Watties beans best.

I have since bought a can of Pams’ baked beans and will do a similar test when the time comes to open it.

Happy money saving.

Hissy fit at The Warehouse

February4

I had a hissy fit in the Warehouse this week. I’d gone there to buy Coverseal for my kids books. As the assistant started to ring up my children’s choices, I realised that the 1 metre packs were $4.99 each.  I stood there and said: That’s daylight robbery, to the embarrassment of my children and the shop assistant.  After what seemed like an age wondering what to do, I decided not to buy the stuff.  We walked around the corner in the mall and my daughter got the same brand of Coverseal from Whitcoulls for $3.29 a roll, still a rip-off, and my son got his from the $2 shop. It just shows that it’s never a good idea to assume prices are cheap.

Dualit toaster

December15

An email from a work contact:

Hi Diana

I’ve been looking at buying a Dulait toaster for several years but despite the weak Pound the retail price in NZ never changes.

I’ve looked on-line and virtually all the outlets charge the same price:

Milly’s Kitchens        $499
Pantry Magic            $499
Choice Catering $403
Award Appliances        No price, but I think they are the importer so its propbably close to $499.

Then I look on-line at O’Gormans in the UK and its GBP 102 or NZ$214, and for UK customers they do a next day delivery serive for GBP4:60.

It’s another example of NZ consumers getting a raw deal.

So what does “Bargain Betty” have to say??

Jeff

Bargain Betty says: yet another example of the classic Kiwi rip-off. You really do need to shop around – worldwide for things.

Dressmart bargains

November18

My alter ego, Bargain Betty, had to eat her words this Labour Weekend. That’s because I’m a great cynic when it comes to Labour Day, Boxing Day or Easter sales. The general public are primed to believe that they’re going to get the bargain of the century.  More

One day sale websites

November9

I’ve always been a bit cynical about the one-day-sale websites that have started popping up here there and everywhere. My first impression was that they were selling a lot of cheaply priced Tat that people didn’t need to buy. There’s certainly an element of people getting too excited over these sites. Grabone.co.nz has more than 50,000 people who “like” it on Facebook.

I have, however, seen the other side of them. I’ve noticed that some of the sites like DailyDo.co.nzoffer services (eg dental work and beauty therapy) and tourism days out at really cheap prices. I went on a Kayak Fishing expedition, which I have written about for the NZ Herald. The other customers had bought their tours from DailyDo.co.nz at half the face price.  If you want to do something like this it’s a great bargain.

Bread making on the cheap

October18

My article from the Herald on Sunday:

Bargain Betty: Breadmaker adds to culinary mix

I love good bread. In fact, a great baguette or fresh Turkish pide pretty much top my list of favourite foods.

The trouble is that I get indigestion at the thought of spending $5 or more on a loaf, which in reality contains little more than flour, water, yeast and oil/fat.

If I acceded to my children’s demands I’d be buying MacKenzie bread at $5.11 a loaf – just for half of it to be left uneaten in their lunchboxes.

Read more:

http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=10681061

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