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Before buying anything for your first baby, ask a parent of two or more children which items they would use if they had another baby. You will see that pretty highchairs that don't turn into toddler seats are not on their list. Either get a cheap Ikea one or go straight for the Tripp Trapp. To name an example. For items some parents swear by and some never use, consider borrowing one off the forum first. Swings are a good example. Neither of my kids cared the slightest bit.

Use olive oil instead of baby oil on babies dry skin, it's cheaper (if u already have it in house) and much kinder.

If only branded nappies worked on first child don't assume it's the same for second child. I've just discovered sainsburys nappies work really well on 7 week old girl and they didn't hold anything for first born son. So daughter much cheaper on the nappy front!

We are also in the 'budget' zone. Food shopping seems to be our biggest expense.


I try to meal plan and I've started to use the cheaper food ranges such as 'basics' 'savers' and in my favourite- Lidls.. Not sure about how ethical their stuff is though.


I also have the odd week where I try to use up all the food in the cupboard and freezer.

Well, a great place to start is Martin Lewis' site, I use the budget planner (free) and find it super helpful and quick, he also has endless (messily presented!) information on saving money on absolutely everything from car insurance to phones to flatscreen TVs to mortgages etc etc.


Here's the budgeting tool:

http://www.moneysavingexpert.com/banking/Budget-planning#tools


Other tips I try and stick to are:

- meal planning (usually in my head but sometimes I write it down for the week)

- bulk buying non-perishables when they are on offer - really bulk buying! I have a lot of old priced stamps (from last year's price hike not yesterdays) and a cupboard of the baby wipes we use...

- slow cooker (see previous threads on this, but can allow you to use much cheaper cuts of meat so it all goes further)

- when making meat dishes bulk up with lentils and vegetables as much as possible, really makes a difference between eating the meal in one go and having a load left over to freeze

- on a similar note, eat one evening meal a week that is cheap/veggie - jacket potatoes, lentil dhal etc

- taking snacks and drinks (especially for baby/kids) out and about with you

- cloth nappying

- reducing meals out - we find this easy at the moment with a 20.5 month old; at weekends we come home for lunch and nap so that really helps (again nice full cupboards with good meals really help this

- online grocery shopping - reduces impulse buying, helps meal planning. I have an Ocado delivery pass (midweek only as it's cheaper) and even though the food is slightly more than Sainsburys I am convinced we now spend less and eat better quality food than before because we... (see next point!)

- reduce unnecessary trips to corner shop, Tesco Express etc - this always ends up being a pricey way of buying food for dinner etc!

- buy an epilator instead of leg waxing, I have a fab Philips one and it's virtually painfree and has saved me ??? over the 4 years I've had it - I used to get my legs waxed every month or so and now I epilate instead!

- being savvy with loyalty points - I used to be better as this, but for example using Tesco points on the things that give you 4x the value rather than spending in store


I'm sure there are loads more things, I'll write more if I think of any!


x

I don't venture out to the shops/London too often and find online shopping normally is well priced or cheaper - even more so by using cashback sites for each purchase eg. my fav is Topcashback http://www.topcashback.co.uk/ref/louise_z


Once registered, you start at this website and click through to the website you want to buy something from. Each purchase earns a small percentage that soon adds up and is easily paid into your bank account as cash when you request it. (I use this website for buying most things - it often has discount codes you can use too. The downside is that not all websites are listed).

i buy my washing powder, dish washer tablets and olive oil in sales, usually buy one get one free or 1/2 price sales. I buy alot meaning I never buy them at normal price. Sainburys recently had persil at half price and finish dishwasher tablets as well so thats me done for the year. :)

My toddler loves playdough, so we make our own.


Use a small teacup to measure 2 cups plain flour, 2 cups water, 3/4 cup salt, 1/4 cup oil, plus 4 rounded teaspoons cream of tartar. Mix all ingredients well. Cook in a heavy bottomed pan over medium-low heat until it starts to thicken. Then add food colouring (and vanilla extract if you want it to smell nice). Keep cooking until it is very firm and comes away from the sides of the pan into one large ball. There should be no wet patches left. Turn onto a breadboard and knead until cooled. Store in an airtight container.

Convex Wrote:

-------------------------------------------------------

> I'd like tips on cheaper veges. Are there any

> markets that you wold recommend? I get turned

> around by not really knowing how much they should

> cost and so not being sure if I am saving or not

> by buying local or in markets.


Where do you buy your veg now? I think Sainsburys is expensive. I think the Sunday market in Brixton Station Road is excellent for good veg. There is a trader who comes down from Lincs I think and their stuff is really reasonable. Also try Rye Lane, and Lidl in Peckham. You can also then have a look round all the traders there and also go into Brixton Village undercover market.


I think other people have recommended Lewisham as well. I don't have any experience there.

Lewisham for fruit and veges, sometimes you have to eat them pretty quickly but more often than not they're fine, good for things like little tomatoes, cucumbers, peppers(bowl of 6 or 7 of the long ones which I love for a pound), aaubergines, avocados, and watermelon in summer!

Used to find it a bit overwhelming if busy but now I plough on through the crowd

ASDA own nappies are basically just like pampers but much cheaper

Buy second hand (on here!) especially things like young baby stuff and maternity clothes

Have friends round rather than meet 'out'

Use the freezer for food when you buy one get one free - so you dont end up throwing stuff away

Slightly over pay on your mortgage each month

Pay bills by direct debit as they often offer discounts

You can get quite good second hand toys from charity shops

Dont buy loads of children's books - use the library

This is a weird one and most people may know already, but if you are self employed and don't earn much money (e.g. I'm a SAHM who does a small amount of marketing consultancy from home but not usually enough to pay tax) yet think there is a chance you will have a(nother) baby then definitely register as SE and keep paying your *FULL* NI contributions and do not opt out and get a small exemptions certificate. I pay full NI every month, it's a few pounds a week and it means next time I get pregnant I will definitely be entitled to Maternity Allowance which is like Stat Mat Pay for the Self-Employed - ?100ish a year for almost ?5k maternity pay when the time arises... good deal!

I was going to say that I don't think that my cloth nappies were necessarily the money saving idea which I had hoped. We used them most of the time for the first 6 months, but then they were out grown.


I since calculated that the cost (based on 1 pack of nappies per week) was only covered by about 5 months. We do still use them for our 2nd child, and so now I feel that we are saving money, but looking back on it, it probably wasn't as much of a money saver as I had hoped - unless, of course you have more than 1 child, or buy them 2nd hand.


My main tip is to say "yes" to anything that anyone offers. you might end up with a lot of things you don't need, but it is amazing what you later find that comes in necessary. Anything you don't want can later be handed on to others, or taken to a charity shop.


Also shop in sales for childrens clothes for the following year. i.e. winter coats will be on sale in spring. Buy for the next year while in the sale.

*get a cash back credit card (martin lewis money saving expert site has recommendations) and to maximise the benefit buy everything on it then pay it off at the end of the month

*or if you shop at tesco get a tesco credit card, you get double reward points for everything spent in their stores.

*check if your employer has a discount club scheme - hubby has one and we can get reloadable gift cards for lots of retailers at 5 - 15% discount, it really adds up, especially for supermarkets, its all managed online

*switch your energy supplier once a year

*REALLY look at all your direct debits on your last bank statement to check you still need everything - can you reduce your sky tariff, your mobile phone bill, do you read that magazine you have a subscription to?

I used to stress about small things like where the vouchers were etc. till I realised that a few big changes could easily save much more so....


Cancel things like gymn memberbship unless you use it. Run in the park or join the weekly 5k nationwide runs. Play tennis on the park courts.


Use things like the travel insurnace that comes with bank accounts - check exactly what your accounts offer and don't duplicate.


Call your mobile provider and check you are on the best deal.


Leave the car at home and walk everywhere, saving on petrol.


Buy things you know you will need in advance when on offer. It deeeply distressed me when my husband bought "Finish" at the local corner shop and paid the same for a tiny container as I could for 10 times the size.


Cards - I used to get all cards in lovely little shopts. Now I buy 7 for a ?1 in discount shops at junction of Coldharbour Lane and DH.


Take crisps, sandwiches etc with you when e.g. you go swimming.


Use "The Book People" for eg party bags - HOrrid Henry and other "series" books are a fraction of the price.


Join Amazon Prime - we save a lot on p and p by paying around ?50 a year.


Get haircuts etc on the cheap day if possible.


Make sure your savings are earning "good" interest! (eg 3% instant access)

bluesuperted Wrote:

-------------------------------------------------------

> This is a weird one and most people may know

> already, but if you are self employed and don't

> earn much money (e.g. I'm a SAHM who does a small

> amount of marketing consultancy from home but not

> usually enough to pay tax) yet think there is a

> chance you will have a(nother) baby then

> definitely register as SE and keep paying your

> *FULL* NI contributions and do not opt out and get

> a small exemptions certificate. I pay full NI

> every month, it's a few pounds a week and it means

> next time I get pregnant I will definitely be

> entitled to Maternity Allowance which is like Stat

> Mat Pay for the Self-Employed - ?100ish a year for

> almost ?5k maternity pay when the time arises...

> good deal!



Yes - I did this, in similar circumstances (i.e. fairly low freelance earnings) and it's been a godsend since I've had baby number 2!

I try to always buy Sainsburys babywipes - something like ?3 for a pack of 4, 80 wipes in each, much better value than e.g. pampers and I think they're better. Ditto their nappy sacks, so cheap. I also buy the majority of my kids' clothes there, particularly things I know will get really stained (e.g. am weaning baby number 2 so no point putting him in expensive tops!).Although saying that, I do notice that the older the age you're buying for, the less differential in clothes prices between Sainsburys/Asda and e.g. M&S. Sainsburys does periodic offers on baby products and clothes, so worth looking out for those too.

My husband is much more astute than I am on e.g. utilities, and uses Moneysavingsexpert and also uswitch to make sure we're on the best deals. With uswitch, I think you get a case of Virgin wine whenever you change utilities, pretty good!

I recently sold my old iPhone back to O2 after I'd upgraded, got ?94 for it...

And finally - sell everything once you stop using it, it's a great feeling. Look out for cheap/free offers on the forum, we have had so many bargains for the price of a bottle of wine. And look out for flash sales online etc - actually worth those annoying marketing emails, e.g. I did a big shop online at Gap recently and got t-shirts for the kids for ?3 each.

Having said all that I am a terrible economist! Really need to try more at it e.g. menu planning but can't find the time/energy.

I had my kids 13 years apart. after my first child a friend became pregnant and I gave her all my non gender specific

baby clothes, cot and pram blankets etc. She used them for her 2 boys and passed them back to me 13 years later.

Young children quickly grow out of clothes in a matter on months, recycle amongst friends, especially if they have children either older or younger than yours.


Buy special offers i.e. 3 for price of 2 and stock up freezer. When catering for a large group ( family gathering)

work our what you could do with left overs. Unused cooked veg and meat could be turned into soup, cheese can be frozen, bread - bread and butter pudding or bread pudding, add chopped tomatoes and cheese to left over mashed potato

to get a light lunch. Ignore sell/use by dates - using common sense most things can be eaten a couple of days later.

When you are pregnant look out for someone who is not going to have anymore children - ask them if they want to have a clearout of stuff and buy everything off them. then stay in touch over the first few years and buy the clothes etc off them.

sillywoman Wrote:

-------------------------------------------------------

> Use 'Say no to 0870' for all phone calls to

> companies/businesses etc. etc.

>

> Always use 'moneysavingexpert.com'

>

> Only use half a dishwasher tab (particularly if

> you bought them half price - 4x the value!!)


If you have a landline then lots of companies allow free calls to 0870 and 0845 numbers now. That is why some companies have migrated over to 0844 numbers.......check with your provider.

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    • BBC Homepage Skip to content Accessibility Help EFor you Notifications More menu Search BBC                     BBC News Menu   UK England N. Ireland Scotland Alba Wales Cymru Isle of Man Guernsey Jersey Local News Vets under corporate pressure to increase revenue, BBC told   Image source,Getty Images ByRichard Bilton, BBC Panorama and Ben Milne, BBC News Published 2 hours ago Vets have told BBC Panorama they feel under increasing pressure to make money for the big companies that employ them - and worry about the costly financial impact on pet owners. Prices charged by UK vets rose by 63% between 2016 and 2023, external, and the government's competition regulator has questioned whether the pet-care market - as it stands - is giving customers value for money. One anonymous vet, who works for the UK's largest vet care provider, IVC Evidensia, said that the company has introduced a new monitoring system that could encourage vets to offer pet owners costly tests and treatment options. A spokesperson for IVC told Panorama: "The group's vets and vet nurses never prioritise revenue or transaction value over and above the welfare of the animal in their care." More than half of all UK households are thought to own a pet, external. Over the past few months, hundreds of pet owners have contacted BBC Your Voice with concerns about vet bills. One person said they had paid £5,600 for 18 hours of vet-care for their pet: "I would have paid anything to save him but felt afterwards we had been taken advantage of." Another described how their dog had undergone numerous blood tests and scans: "At the end of the treatment we were none the wiser about her illness and we were presented with a bill of £13,000."   Image caption, UK pet owners spent £6.3bn on vet and other pet-care services in 2024, according to the CMA Mounting concerns over whether pet owners are receiving a fair deal prompted a formal investigation by government watchdog, the Competition and Markets Authority (CMA). In a provisional report, external at the end of last year, it identified several issues: Whether vet companies are being transparent about the ownership of individual practices and whether pet owners have enough information about pricing The concentration of vet practices and clinics in the hands of six companies - these now control 60% of the UK's pet-care market Whether this concentration has led to less market competition and allowed some vet care companies to make excess profits 'Hitting targets' A vet, who leads one of IVC's surgeries (and who does not want to be identified because they fear they could lose their job), has shared a new internal document with Panorama. The document uses a colour code to compare the company's UK-wide tests and treatment options and states that it is intended to help staff improve clinical care. It lists key performance indicators in categories that include average sales per patient, X-rays, ultrasound and lab tests. The vet is worried about the new policy: "We will have meetings every month, where one of the area teams will ask you how many blood tests, X-rays and ultrasounds you're doing." If a category is marked in green on the chart, the clinic would be judged to be among the company's top 25% of achievers in the UK. A red mark, on the other hand, would mean the clinic was in the bottom 25%. If this happens, the vet says, it might be asked to come up with a plan of action. The vet says this would create pressure to "upsell" services. Panorama: Why are vet bills so high? Are people being priced out of pet ownership by soaring bills? Watch on BBC iPlayer now or BBC One at 20:00 on Monday 12 January (22:40 in Northern Ireland) Watch on iPlayer For instance, the vet says, under the new model, IVC would prefer any animal with suspected osteoarthritis to potentially be X-rayed. With sedation, that could add £700 to a bill. While X-rays are sometimes necessary, the vet says, the signs of osteoarthritis - the thickening of joints, for instance - could be obvious to an experienced vet, who might prefer to prescribe a less expensive anti-inflammatory treatment. "Vets shouldn't have pressure to do an X-ray because it would play into whether they are getting green on the care framework for their clinic." IVC has told Panorama it is extremely proud of the work its clinical teams do and the data it collects is to "identify and close gaps in care for our patients". It says its vets have "clinical independence", and that prioritising revenue over care would be against the Royal College of Veterinary Surgeons' (RCVS) code and IVC policy. Vets say they are under pressure to bring in more money per pet   Published 15 April 2025 Vets should be made to publish prices, watchdog says   Published 15 October 2025 The vet says a drive to increase revenue is undermining his profession. Panorama spoke to more than 30 vets in total who are currently working, or have worked, for some of the large veterinary groups. One recalls being told that not enough blood tests were being taken: "We were pushed to do more. I hated opening emails." Another says that when their small practice was sold to a large company, "it was crazy... It was all about hitting targets". Not all the big companies set targets or monitor staff in this way. The high cost of treatment UK pet owners spent £6.3bn on vet and other pet-care services in 2024 - equal to just over £365 per pet-owning household, according to the CMA. However, most pet owners in the UK do not have insurance, and bills can leave less-well-off families feeling helpless when treatment is needed. Many vets used not to display prices and pet owners often had no clear idea of what treatment would cost, but in the past two years that has improved, according to the CMA. Rob Jones has told Panorama that when his family dog, Betty, fell ill during the autumn of 2024 they took her to an emergency treatment centre, Vets Now, and she underwent an operation that cost almost £5,000. Twelve days later, Betty was still unwell, and Rob says he was advised that she could have a serious infection. He was told a diagnosis - and another operation - would cost between £5,000-£8,000.   Image caption, Betty's owners were told an operation on her would cost £12,000 However, on the morning of the operation, Rob was told this price had risen to £12,000. When he complained, he was quoted a new figure - £10,000. "That was the absolute point where I lost faith in them," he says. "It was like, I don't believe that you've got our interests or Betty's interests at heart." The family decided to put Betty to sleep. Rob did not know at the time that both his local vet, and the emergency centre, branded Vets Now, where Betty was treated, were both owned by the same company - IVC. He was happy with the treatment but complained about the sudden price increase and later received an apology from Vets Now. It offered him £3,755.59 as a "goodwill gesture".   Image caption, Rob Jones says he lost faith in the vets treating his pet dog Betty Vets Now told us its staff care passionately for the animals they treat: "In complex cases, prices can vary depending on what the vet discovers during a consultation, during the treatment, and depending on how the patient responds. "We have reviewed our processes and implemented a number of changes to ensure that conversations about pricing are as clear as possible." Value for money? Independent vet practices have been a popular acquisition for corporate investors in recent years, according to Dr David Reader from the University of Glasgow. He has made a detailed study of the industry. Pet care has been seen as attractive, he says, because of the opportunities "to find efficiencies, to consolidate, set up regional hubs, but also to maximise profits". Six large veterinary groups (sometimes referred to as LVGs) now control 60% of the UK pet care market - up from 10% a decade ago, according to the CMA, external. They are: Linnaeus, which owns 180 practices Medivet, which has 363 Vet Partners with 375 practices CVS Group, which has 387 practices Pets at Home, which has 445 practices under the name Vets for Pets IVC Evidensia, which has 900 practices When the CMA announced its provisional findings last autumn, it said there was not enough competition or informed choice in the market. It estimated the combined cost of this to UK pet owners amounted to £900m between 2020-2024. Corporate vets dispute the £900m figure. They say their prices are competitive and made freely available, and reflect their huge investment in the industry, not to mention rising costs, particularly of drugs. The corporate vets also say customers value their services highly and that they comply with the RCVS guidelines.   Image caption, A CMA survey suggests pet owners are happy with the service they receive from vets A CMA survey suggests pet owners are happy with their vets - both corporate and independent - when it comes to quality of service. But, with the exception of Pets at Home, customer satisfaction on cost is much lower for the big companies. "I think that large veterinary corporations, particularly where they're owned by private equity companies, are more concerned about profits than professionals who own veterinary businesses," says Suzy Hudson-Cooke from the British Veterinary Union, which is part of Unite. Proposals for change The CMA's final report on the vet industry is expected by the spring but no date has been set for publication. In its provisional report, it proposed improved transparency on pricing and vet ownership. Companies would have to reveal if vet practices were part of a chain, and whether they had business connections with hospitals, out-of-hours surgeries, online pharmacies and even crematoria. IVC, CVS and Vet Partners all have connected businesses and would have to be more transparent about their services in the future. Pets at Home does not buy practices - it works in partnership with individual vets, as does Medivet. These companies have consistently made clear in their branding who owns their practices. The big companies say they support moves to make the industry more transparent so long as they don't put too high a burden on vets. David Reader says the CMA proposals could have gone further. 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    • What does the area with the blue dotted lines and the crossed out water drop mean? No water in this area? So many leaks in the area.
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    • Yes..that may be the case but membership STARTING at £115 a month is still unafforable for many. Council gyms also have a large range of equipment and I had a  PT at Dulwich leisure centre when I was in Full Time employment who was incredible and even kept in contact during lockdown giving me a program I could do at home and checking in weekly at no charge or personal gain for herself. I dont doubt that Fit For may be a good gym (Its been in situ long enough so must be doing something right) However the cost of membership means it is affordable for the few not the many. If I could afford that kind of fee I would rather get a train to Canary Wharf and go to Virgin active where theres a pool and incredible classes and facilities 
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