City Living: How to be Skint and Thrive in the Urban Jungle

Hey Skint pals,

As you know, I love to get out of the city to go camping, but I’ll always, always be a city dweller. I just can’t imagine not being able to walk to a coffee shop and to but a newspaper every morning. (My newspaper addiction has got me in some financial hot water over the years but I remain stubbornly compelled to buy one every day).

Recently though I’ve been thinking about the financial costs of living in the city v the country, after some good friends of mine recently moved out of London and back up to rural Scotland. In one fell swoop they went from a two bedroom city flat to being able to afford a detached house with tones of space and stunning views across woods and fields.

I live in Glasgow, where prices aren’t as crazy as London. They are, however, far far than in many smaller towns and rural areas. Plainly put, I could get a lot more for my money if chez Skint moved to a greener place. But Skint pals, I just know I never will.

I’m destined to be a city dweller all of my life and the only way to handle it is to use every trick in the book to ensure that I can still enjoy the urban lifestyle, even during the months when my finances are a poor as a churchmouse’s.

Temptation is everywhere in the city. On every corner there’s a department store flashing cosmetics like candy; at the end of your office block there’s a window displaying a gorgeous, designer handbag that whispers to you every time you pass. Even your lunchtime ventures to the sandwich shop are littered with inducements to buy a smoothie or a giant fruit salad or any number of other things that can sneakily sap £100 from your monthly salary. 

So, what to do when the temptations of the city glitter in front of you but your budget’s looking tighter than your skinny jeans? Cheat. Get clever. Learn the shortcuts and the tricks that make city living on a budget not just possible but tons of fun.

  • Do the Deals: Don’t pay full price for nights out. Don’t pay full price for dinner. Hell, don’t pay full price for any form of entertainment – that includes getting your hair cut, nails done and impromptu weeknight catch-ups with friends. Whilst we all know about the major deal sites like Groupon, often the ones more local to your area have more interesting deals because the know your city better. In Glasgow and Edinburgh, itison is the site that locals turn to for the most interesting events, such as Halloween drive-in movie deals in the park (because horror films are always more scary when you can look up and see a real full moon). In London, the SkintLondon crew promise fab adventures that’ll never cost more than a tenner. living in the city on a budget
  • Love thy Neighbours: Whilst living cheek-by-jowl in the city brings its own trials (my neighbour is watching the football just now – I can hear it through the wall), it also makes life very convenient if you want to pool resources with those living around you. Whether its organising a rota with other parents in the street to take the kids to school or chipping in with nearby pals on the cost of a lawnmower which you all share, there’s a lot of clout when you’re part of a crowd. Money saving ventures like freecycle work best in cities too.
  • Ditch the Car: No need to own a car in the city. Cheaper and easier to go for a mix of public transport, bike, judicious use of taxis and car clubs for those days when you really do need a run-around. Car clubs are a great idea in my book, summing up what I love best about city living. They’re convenient and feel very carefree to me – why shouldn’t cars be pay-as-you-go?. 
  • Steal the Style: Cities are a melting pot of ideas. When it comes to looking stylish for less, cities are the best place to check out the latest trends and then copy them on the cheap. Nothing beats riding the top deck of a bus through the city, clocking people’s outfits and allowing yourself to be inspired. Not only are cities the very best places to hone your magpie eyes, they’re the greatest for thrift stores, vintage shops and clothes swaps. 

 What do you think Skint pals? Are you fans of city living or all about the green green grass of the country? And if you’re an urban sort, what are your top tips for surviving and thriving in the city?

Skint xxxx

Photo credit:


About Skint in the City

Skint in the City provides stylish, practical tips and advice on how to live the high life on a shoestring budget.

4 thoughts on “City Living: How to be Skint and Thrive in the Urban Jungle

  1. Sarah

    I am also a city dweller for life. I love it. London is breathtakingly expensive for housing & travel (although I say that as a commuter. Per mile, the bus in my home town is actually much more costly) I love how much there is to do, 24 hour, and all the people I meet. I agree once you live somewhere a while you know where to find the bargains. I love the theatre but can’t often afford the prices so I belong to a seat filling club, where the audiences are filled for free so they don’t play to a un-full house. I’ve saved hundreds, probably thousands. Restaurants are also cheaper a lot of the time because of competition. (But mostly I love it because, if I read about a cronut/a new play/a new trend in eyebrows or whatever, I can try one straight away and not have to wait 6 months for it to hit town. This does nothing for my finances however!)

    • We’re cut from the same cloth, Sarah – I’ll never live anywhere but the city! Laughing at your ‘new cronut’ example – yep, city dwellers want it all now! Interested in the seat filling club you belong to – sounds like a great idea for a future blog post – how does it work please? I might link in with you on this – be interesting to other readers I think ! Skint, xx

  2. I like that there is more competition in the city so shops have to fight for customers. In London you can get tons of 2 for 1 deals on attractions if you get there by train. The Oyster card will take you anywhere while in small towns getting to the next town can be expensive. There are always free events somewhere, all you can eat restaurants for less than 10 pounds, and so on. You just have to live there for a while to look carefully for the deals.

  3. Right now I’m living in a province where there is no pollution, no traffic and not crowded street. I lived in one of the big city 10 years ago and I’m kind of tired with that kind of city life.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes:

<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>