Win £100 of supermarket vouchers!

30 Apr

Hey Skint pals, win supermarket vouchers

Phew, Glasgow is positively continental here today, and in a burst of spring cheer, I’m bringing you the chance to host the barbecue of the century for you and all your Skint pals. Or, if you’re the more sensible sort, the chance to stock your fridge and larder full of basics and a few special treats.

You see Skint pals, in collaboration with the folks at Debt Free Direct, we’ve got a little competition going to win supermarket vouchers worth £100. The vouchers are available for either Tesco, Asda, Sainsburys, Waitrose and M&S - handy, eh?

And whilst there’s no such thing as a free lunch, this comes pretty damned close: all you need to do is answer a simple question, to be entered into a prize draw.

Debt Free Direct run a blog called Making Money Go Further which is home to lots of money saving tips. They recently wrote about the importance of having an Emergency Budget and are on a mission to educate the nation about the importance of having some cash stashed away for rainy days and bad luck.

And so pals, that’s the thinking behind this little competition: a bid to let you put £100 of your usual grocery spend into your emergency budget instead.

Gimme the competition, you say! Well, nearly there. Before entering you just need to do a little light reading. Simply head over to the  Making Money Go Further blog and read the post ‘Why and how you should set up an emergency savings fund’. Done it? Then let’s go! 

<a Rafflecopter giveaway

I’d be lost without an emergency fund. If you own a house or have any sort of responsibilities at all (and who doesn’t have some?), it’s vital. What happens otherwise when a storm blows slates off the roof, or the boiler bursts in winter? Without an emergency fund you’re looking at trying to scrape cash together from family and friends or, worse, from quick loans. Having enough put aside to keep going for a bit if the worst happens is vital to my piece of mind.

What about you, Skint pals? How much do you think is right to set aside for emergencies? Three months salary? Six months? Let me know  – and best of luck for the competition. The winner will be announced on Tuesday, May 13. 

Skint x

Terms and conditions: The competition closes Tuesday May 13. Open to UK readers only. The vouchers are available for either Tesco, Asda, Sainsburys, Waitrose and M&S 

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174 Responses to “Win £100 of supermarket vouchers!”

  1. John @ Wild AboutFinance July 17, 2014 at 4:53 am #

    Having a benefits focus on. I actually began doing this in Jan and I am now almost a third of the way to my Xmas target.

  2. Elaine Hollis May 12, 2014 at 11:19 pm #

    give up a little treat like daily coffee in a coffeeshop

  3. SamFernley@happyhomebird May 12, 2014 at 10:02 pm #

    My favourite is consider giving up other expenses so you can save the money instead.

  4. Lucy Mayer May 12, 2014 at 10:01 pm #

    Treat saving like any other expense

  5. Michelle Wild May 12, 2014 at 9:49 pm #

    Consider giving something up to enable saving.

  6. claire little May 12, 2014 at 9:21 pm #

    save what you can afford

  7. Naomi Buchan May 12, 2014 at 8:45 pm #

    Work towards a savings target x

  8. lisa dolatowski May 12, 2014 at 8:01 pm #

    The best advice is to give up a little treat – which is what i’m currently doing at the moment1

  9. Lydia Graham May 12, 2014 at 7:35 pm #

    Having a savings target. I actually started doing this in January and I am now almost a third of the way to my Christmas target

  10. Robyn Logan Clarke May 12, 2014 at 4:34 pm #

    Treat saving like any other expense

  11. lyn burgess May 12, 2014 at 4:12 pm #

    working towards a savings target makes sense x

  12. Belinda Matthews May 12, 2014 at 2:29 pm #

    Have a savings target

  13. Mary Campbell May 12, 2014 at 1:51 pm #

    Only save what you can actually afford – very wise words indeed! :)

  14. marion king May 12, 2014 at 1:44 pm #

    keep to a list when shopping NEVER OVER SPEND and keep all your money in a cash ISA this is my advice

  15. Joanne Benham May 12, 2014 at 1:08 pm #

    Only save what you can afford.

  16. natalie holland May 12, 2014 at 12:51 pm #

    to only save what you can actually afford – we only save small amounts, we have hardly any extra cash but put away bits and bobs!

  17. Rachel B May 12, 2014 at 12:47 pm #

    Only save when you can afford it is a sound piece of advice.

  18. Andrew Petrie May 12, 2014 at 12:10 pm #

    Work towards a target.

  19. Nicola Atkins May 12, 2014 at 11:11 am #

    Treat saving like any other expense

  20. Toni W May 12, 2014 at 11:04 am #

    Treat Saving like any other expense, it’s very easy to treat saving as a luxury rather than a necessity.

  21. Chris Fletcher May 12, 2014 at 11:00 am #

    Work towards a target!

  22. Jan May 12, 2014 at 10:44 am #

    Everytime you don’t do something ie avoid temptation eg eat chocolate put the 20p into a pot.

  23. Lyn Bosomworth May 12, 2014 at 10:23 am #

    Only save what you can actually afford

  24. maria molly taylor May 12, 2014 at 9:56 am #

    Only save what you can actually afford

  25. maria molly taylor May 12, 2014 at 9:54 am #

    Teach your kids to save from an early age then it wont be so hard for them to get the idea of saving

  26. elaine stokes May 12, 2014 at 9:30 am #

    have a saving target

  27. Katie Walker May 12, 2014 at 9:09 am #

    Treat saving like any other expense.

  28. Hayley Todd May 12, 2014 at 9:01 am #

    I think that the Only Save What You Can Afford is the best piece of advice. People feel under pressure to save a designated set amount every month, and this is not always achievable, so as the article says, even a little amount helps towards savings! Even £5.00 is better than nothing at all!

  29. Gerri Tennant May 12, 2014 at 8:20 am #

    Treat savings like any other expense – good idea, makes you do it.

  30. Lindy Hine May 12, 2014 at 7:57 am #

    Consider giving up another expense to facilitate saving is good advice because I’m sure that there’s always something that we all spend money on that we could quite easily do without!

  31. Jo Pilkington May 12, 2014 at 6:43 am #

    Treat saving like any other expense

  32. David Price May 12, 2014 at 6:43 am #

    Consider giving up another expense to facilitate saving

  33. san May 12, 2014 at 6:19 am #

    only save what you can afford to

  34. Sam Furniss May 12, 2014 at 1:45 am #

    Treat saving like any other expense, which is great advice. It shouldn’t be treated as luxury but as a neccessity really.

  35. Ellen Stafford May 12, 2014 at 12:12 am #

    My favourite is “Only save what you can actually afford”

  36. Teresa Lee May 11, 2014 at 11:55 pm #

    Only save what you can actually afford

  37. Kim Howard May 11, 2014 at 11:32 pm #

    Only save what you can actually afford ^_^

  38. Yvonne May 11, 2014 at 11:06 pm #

    only save what you can afford

  39. Ellie Jacobs May 11, 2014 at 10:43 pm #

    Mine is Treat saving like any other expense. Because, i already do this.

    Weekly I have a set amount coming out of my account, and always budget for it. Then if i need emergency cashm it is there in my savings account

  40. Sarah Mills May 11, 2014 at 10:30 pm #

    Work towards a target savings amount

  41. Carolin May 11, 2014 at 10:25 pm #

    Only save when you can afford it.

  42. Ali Thorpe May 11, 2014 at 10:18 pm #

    Treat saving like any other expense as it teaches you treat saving as something to be addressed as soon as you are paid.

  43. Andi Gurney May 11, 2014 at 10:16 pm #

    Treat savings like another wxpwnditure

  44. Lorraine Tinsley May 11, 2014 at 10:15 pm #

    My favourite is treat saving like any other expense, this is how I try to do it otherwise I’d never manage to save anything

  45. Alice B May 11, 2014 at 10:13 pm #

    My favourite is only save what you can actually afford

  46. julie laing May 11, 2014 at 9:43 pm #

    Only save what you can afford

  47. Jane Middleton May 11, 2014 at 9:40 pm #

    Work towards a savings target

  48. Lillian Fisher May 11, 2014 at 9:32 pm #

    My favorite is only save what you can afford.

  49. Christine Shelley May 11, 2014 at 9:19 pm #

    Only save what you can actually afford

  50. Kristy Brown May 11, 2014 at 9:09 pm #

    Work towards a target savings amount!

  51. angela sandhu May 11, 2014 at 9:04 pm #

    give up a little treat like daily coffee in a coffeeshop and save that money.

  52. Emma Harris May 11, 2014 at 8:40 pm #

    Consider giving up another expense to facilitate saving.

  53. Zoe Coen May 11, 2014 at 8:17 pm #

    Have a savings target

  54. justine meyer May 11, 2014 at 8:17 pm #

    only save what you can affird

  55. Gemma May 11, 2014 at 8:02 pm #

    Work towards a target.

  56. Rebecca Powell May 11, 2014 at 7:39 pm #

    Only save what you can afford

  57. Jayne T May 11, 2014 at 7:34 pm #

    Treat saving like any other expense. I agree with this and have a little go out every week.

  58. Anne Nash May 11, 2014 at 7:26 pm #

    only save what you can actually afford

  59. stephen holman May 11, 2014 at 7:16 pm #

    Work towards a savings target

  60. sian hallewell May 11, 2014 at 6:56 pm #

    my favourite is Treat saving like any other expense

  61. karen delaney May 11, 2014 at 6:21 pm #

    only save what you can afford

  62. Keshia Esgate May 11, 2014 at 5:54 pm #

    Only sav what you can actually afford

  63. Joanne Baldwin May 11, 2014 at 5:34 pm #

    ‘Consider giving up another expense to facilitate saving’ is really good advice!

  64. Susan Crosswaite May 11, 2014 at 4:55 pm #

    Work towards a savings target (I find a target helps to keep me on track)

  65. Sheri Darby May 11, 2014 at 4:40 pm #

    saving any amount is better than nothing at all – Because even the smallest bits add up

  66. Sarah Bates May 11, 2014 at 4:35 pm #

    Treat saving like any other expense! It’s so true!

  67. Catherine Gregory May 11, 2014 at 3:25 pm #

    Work towards a savings target, we’ve all had times we’ve needed money in an emergency and had none so had to borrow from family or friends. I’d rather have my own money to use in an emergency

  68. Helen Metcalfe May 11, 2014 at 3:22 pm #

    Only save what you can afford, maybe allocating a little less money in other areas to help you save

  69. Paula Phillips May 11, 2014 at 2:43 pm #

    Only save what you can actually afford.

  70. Rach May 11, 2014 at 2:42 pm #

    Don’t spend what you haven’t got.

  71. Julie Howarth May 11, 2014 at 2:25 pm #

    Only save what you can actually afford and Work towards a savings target
    Is great advice

  72. Tina Lawton May 11, 2014 at 2:24 pm #

    Only save what you can afford

  73. ELISABETH BARNWELL May 11, 2014 at 2:18 pm #

    ONLY SAVE WHAT YOU CAN AFFORD WHICH IN MY CASES IS NOT MUCH BUT HOPEFULLY WILL IMPROVE

  74. Sharon Griffin May 11, 2014 at 2:05 pm #

    treat savings like any other expense

  75. Sharon Powell May 11, 2014 at 1:53 pm #

    Treat saving like any other expense!

  76. lindsay chadburn May 11, 2014 at 1:30 pm #

    definately only save what you can afford

  77. Emma May 11, 2014 at 1:23 pm #

    Definitely treating it like an expense. At the start of the month we transfer money to our emergency savings as though it is a bill. It’s only £50 a month (what we can afford) but a year without emergencies and it’s £600!

  78. Gillian Holmes May 11, 2014 at 12:52 pm #

    I’ve searched long and hard and cannot find the email subscription box please add me LilyMoonCat( at )gmx(dot) co(dot)uk

  79. @sasofsussex May 11, 2014 at 12:52 pm #

    Only save what you can actually afford

  80. Gillian Holmes May 11, 2014 at 12:45 pm #

    Only Save what you can afford

  81. Jacqueline Roberts May 11, 2014 at 11:33 am #

    treat saving like an expense. I’m going to do this thanks

  82. Danielle Graves May 11, 2014 at 11:18 am #

    Saving what you can afford – all too often we set unrealistic savings targets which are difficult to keep to

  83. alison clark May 11, 2014 at 10:29 am #

    Treat savings as any other expense-

    This is what im aiming to do next year – im currently over paying my credit cards to clear them then the plan is to just transfer the direct debit from the credit card to the saving account.

  84. Holly Smith May 11, 2014 at 10:28 am #

    Only save what you can afford

  85. Louise A May 11, 2014 at 10:22 am #

    Only save what you can afford!

  86. Ann May 11, 2014 at 10:07 am #

    Treat saving like any other expense.

  87. Kay Broomfield May 11, 2014 at 10:05 am #

    Consider giving up another expense to facilitate saving

  88. Hilda Hazel Wright May 11, 2014 at 9:59 am #

    Only save what you can afford! I was given a lovely moneybox for my birthday but no point putting money away in there while my account is overdrawn and I’m paying interest!

  89. Rachael May 11, 2014 at 9:41 am #

    Have a savings goal, an optimistic one!

  90. EMMA WALTERS May 11, 2014 at 9:35 am #

    my favourite is – Consider giving up another expense to facilitate saving. we gave up takeaways & buying new clothes for months whilst saving for a house deposit. i have a direct debit set up to my savings account so i have no choice :)

  91. Heather Haigh May 11, 2014 at 8:41 am #

    Treat savings like any other expense.

  92. Mary Heald May 11, 2014 at 8:36 am #

    Working towards a saving target is a great idea and strategies for paying off a debt I found really useful and shows just what can be achieved if you set your mind to it and have an achievable plan.

  93. Cathy Glynn May 11, 2014 at 8:11 am #

    Treating saving as another expense, it works for me.

  94. Jon Bell May 11, 2014 at 8:06 am #

    Only save what you can afford is a great piece of advice. If it is coming out of your account it is an expense.

  95. sarah bourner May 11, 2014 at 7:35 am #

    Only save when you can afford it

  96. Jo welsh May 11, 2014 at 7:34 am #

    Save what you can afford and aim towards a target

  97. Kelly Wiffin May 11, 2014 at 7:07 am #

    Working towards a target is good!

  98. Paul May 11, 2014 at 4:05 am #

    Treat saving like any other expense.

  99. Edward Guerreiro May 10, 2014 at 11:53 pm #

    Only save what you can actually afford.

  100. Trudi Walsh May 10, 2014 at 11:33 pm #

    Work towards a savings target, I’ve just started doing this last month, my target is to save £500 by Christmas

  101. Paul Wilson May 10, 2014 at 10:39 pm #

    Only save what you can afford.

  102. Anthony Harrington May 10, 2014 at 10:38 pm #

    has to be “only save what you can afford”

  103. Kirsty Fox May 10, 2014 at 9:45 pm #

    I think “Consider giving up another expense to facilitate saving” is important

  104. Hayley Morgan May 10, 2014 at 9:38 pm #

    Consider giving up another expense to help you to save, I gave up buying newspapers and magazines, i could easily spend £10-20 per month on them and alot of the information in them could be found online!

  105. Debbie Preston May 10, 2014 at 9:19 pm #

    Treat savings like any other expense. Set up a standing order to a savings account every pay day – it works for us.

  106. Steve Miles May 10, 2014 at 7:51 pm #

    Treat saving like any other expense

  107. TRACY MOORE May 10, 2014 at 7:23 pm #

    Only save what you can afford.

  108. Elizabeth Williams May 10, 2014 at 6:47 pm #

    Only save what you can afford.

  109. Ruth Davies May 10, 2014 at 6:47 pm #

    Only save what you can afford

  110. caroline cordery May 10, 2014 at 5:53 pm #

    put a pound in a jar

  111. Cristina McDowall May 10, 2014 at 4:16 pm #

    “..only save what you can actually afford..”

  112. HazelY May 10, 2014 at 4:04 pm #

    To treat saving like any other expense is actually a really good idea I hadn’t thoyght of before and is quite motivating.

    • HazelY May 10, 2014 at 4:06 pm #

      Not sure if I have accidentally entered twice on here – a mistake if I did – and apologies for the typo!

  113. sue cotton May 10, 2014 at 2:49 pm #

    Treat saving as you would nah other expenditure, i.e. make it part of your monthly budget items
    without exception, it soon adds up.

  114. Lynn Heath May 10, 2014 at 12:47 pm #

    My emergency saving pot has just been emptied due to a poorly car over Christmas (worse timing ever!!!). I am currently trying to build it back up by putting £10 a week over into an account that I cant touch very easily – my favourite piece of advice from the blog post is to treat it like any other expense and from now on that is how I am going to think of it! Thank you!

  115. welshmumof3boys May 10, 2014 at 12:10 pm #

    being realistic about what you can save

  116. Nicola Holland May 10, 2014 at 10:05 am #

    Only save what you can afford.

  117. Jo Evans May 10, 2014 at 7:48 am #

    Only save when you can afford

  118. Emma Bradshaw May 9, 2014 at 9:01 pm #

    Have a savings target. This is what we do and always have a minimum amount saved as a contingency fund in an emergency!

  119. Gillian McLeod May 9, 2014 at 7:56 pm #

    Treat savings like any other expense. A direct debit is a good way to do it.

  120. Laura Oxley May 9, 2014 at 6:41 pm #

    Consider giving up another expense to facilitate saving

  121. Natalie White May 9, 2014 at 5:34 pm #

    Treat saving like any other expense! Great advice :)

  122. Robby Price May 9, 2014 at 4:27 pm #

    Save only what you can afford to

  123. mel crossan May 9, 2014 at 8:59 am #

    being realistic about what you can afford to save

  124. Ste Carr May 8, 2014 at 6:22 pm #

    Only Save what you can afford

  125. Ann Robinson May 8, 2014 at 5:04 pm #

    Only save what you can afford

  126. MANDY DOHERTY May 8, 2014 at 4:02 pm #

    Only save what you can afford

  127. Rachel white May 8, 2014 at 2:44 pm #

    Only save what you can actually afford

  128. Rachel Davies May 8, 2014 at 2:36 pm #

    Consider giving up another expense to facilitate saving. It really is best to reallocate funds to things that will help you in the future, instead of wasting it on something you don’t really use / need.

  129. Rebecca Gransden May 8, 2014 at 11:54 am #

    It’s a really good mindset to get into to treat saving as another expenditure and work around that as a budget. Most helpful.

  130. claire matthews-curtis May 8, 2014 at 11:47 am #

    I like only save what you can actually afford

  131. Graham Ross May 8, 2014 at 9:09 am #

    only save what you can actually afford

  132. tim taylor May 8, 2014 at 4:01 am #

    Have a savings target

  133. Tink Rhonda Lee Mse May 8, 2014 at 2:46 am #

    Save what you can afford and work towards a target are good advice.

  134. Jackie Chapman May 7, 2014 at 9:48 pm #

    Technology free ideas to entertain the kids is a great idea.
    I have always treat savings like any other expense, it works for me!

  135. Helen G May 7, 2014 at 9:15 pm #

    Treat savings like any other expense.. setting up a direct debit into a savings account is a great way to regularly put money away on a monthly basis

  136. jayne hall May 7, 2014 at 2:57 pm #

    dont spend what you havent got

    put 1 pound a week away into a jar it will soon build up

  137. Diane Carey May 7, 2014 at 6:35 am #

    ‘Treat saving like any other expense’. I have always done this

  138. Natalie Crossan May 6, 2014 at 4:31 pm #

    Only save what you can actually afford!

  139. Marcella May 6, 2014 at 3:33 pm #

    I like ‘Consider giving up another expense to facilitate saving’.

  140. Stevie May 6, 2014 at 1:25 pm #

    I like the article about technology free ideas to entertain the kids. Who doesn’t like building a fort.
    On emergency savings funds I think treating savings as any other expense could be very tricky to get used to. It would become the norm after some self discipline and putting the cash out of mind.

  141. Hazel Rea May 6, 2014 at 10:54 am #

    Consider giving up another expense to facilitate saving is a great piece of advice which is often overlooked.

  142. Pam Francis Gregory May 6, 2014 at 9:41 am #

    Have a savings target

  143. CAROL PATRICK May 6, 2014 at 9:18 am #

    Selling of Ebay – lots of good advice, particularly liked Buy and re-list items – I hadn’t thought about that

  144. Sara Goodman May 6, 2014 at 8:48 am #

    Only save what you can actually afford. Wise words!
    Thanks for super giveaway x

  145. Katherine L May 6, 2014 at 7:24 am #

    Work towards a savings target; it’s much easier when there is a clear motivator!

  146. Ruth Kitson May 5, 2014 at 9:48 pm #

    Work towards a saving target. I have been doing that since last year and I managed to meet my target in February, it spurred me on to extend my target and keep going.

  147. donna jones May 5, 2014 at 9:38 pm #

    only save what you can

  148. Katie Walden Hall May 4, 2014 at 10:15 pm #

    Work towards a savings target :)

  149. katie Kathurima May 4, 2014 at 10:05 pm #

    treating savings like any other expense and budgeting for it

  150. Amanda Philp May 4, 2014 at 7:58 pm #

    I love the advice, especially treat saving like any other expense. Im expecting our first child and worried how i will cope, but if i put a bit away each month this should really help us. Thanks for the advice!

  151. Charlotte Hood May 4, 2014 at 7:37 pm #

    Consider giving up another expense to facilitate saving. I generally follow all the otherss, but I always think how much I’d save if I gave up alcohol or meat!

  152. Jo Booth May 4, 2014 at 4:22 pm #

    Some really good advice, in particular treating savings like any other expense and budgeting for it. My problem would be not touching the savings fund when we’re skint towards the end of the month :-)

  153. Lynsey Buchanan May 4, 2014 at 4:15 pm #

    Work towards a savings target im trying that just now.

  154. Zoe Roxby May 4, 2014 at 3:35 pm #

    set a realistic target on a yearly basis and put some money towards that each month.

  155. Susan Trubey May 4, 2014 at 11:57 am #

    only save what you can actually afford

  156. Amanda Norwood May 4, 2014 at 10:23 am #

    only save what you can actually afford

  157. kim neville May 4, 2014 at 9:42 am #

    My favourite post is “only save what you can actually afford”.

  158. Caroline Blaza May 3, 2014 at 10:09 pm #

    Only save when you can afford it

  159. Kirsty Mills May 3, 2014 at 7:11 pm #

    Consider giving up another expense to facilitate saving.

  160. Janine Phillips May 3, 2014 at 6:15 pm #

    ‘only save what you can actually afford’ x

  161. Julie Fisher May 3, 2014 at 1:53 pm #

    saving any amount is better than nothing at all – I never get around to saving because I never have much to spare. But I think I will now. Ever little helps.

  162. Stephanie Boulton May 3, 2014 at 12:14 pm #

    Only save what you can actually afford

  163. kellyjo walters May 3, 2014 at 12:08 pm #

    work towards a target.. before you know it your up and over that target

  164. Andrea Williams May 3, 2014 at 11:25 am #

    Treat savings like another expense, a really useful way of looking at it and making sure it doesn’t get discarded.

  165. laura stewart May 3, 2014 at 7:38 am #

    only save what you can actually afford

  166. michelle banks May 2, 2014 at 8:16 pm #

    working towards a savings target x it all makes sense x

  167. jessica cook May 2, 2014 at 8:16 pm #

    Only save what you can afford, we put in as much as we can a month without having to go without vital things for the month.

  168. Eva Vida May 2, 2014 at 8:04 pm #

    Work towards a savings target-it’s a really clever and an useful advice.I think I should follow it :)

  169. Claire Sutherland May 2, 2014 at 7:43 pm #

    Treat saving like any other expenditure is the bit of advice I like best.

  170. Tracy K Nixon May 2, 2014 at 6:44 pm #

    I love your post: Be the Queen (or King) of your Castle: How to Make Money from your Home – I like the idea of renting my driveway! I have one but don’t have a car so it is just a waste of space. I might look into doing that!

  171. Stacey Tripconey May 2, 2014 at 5:51 pm #

    My favourite is ‘only save what you can actually afford’.

  172. Tracey Peach May 2, 2014 at 4:44 pm #

    Work towards a savings target because it will help me keep the interest in trying & achieving saving money

  173. Mark Whittaker May 1, 2014 at 11:04 am #

    I love : Treat saving like any other expense – something I have learnt this year and it works , which helps the motivation.

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