Home Frugal Finds Cost Of Living Crisis UK Special : Part 3 of 3

Cost Of Living Crisis UK Special : Part 3 of 3

by InvisiblyMe

Cost Of Living Crisis UK Special Part 3

In this third and final part of the Cost Of Living Crisis UK Special series, we’ll look at saving money on your groceries and shopping. The prices are going up, pack sizes are shrinking and it’s getting harder to make your money stretch far enough, so small changes to how you shop might be able to take the edge off the impact.

Three Part Series Special : 

Shopping Online – Get Cashback

Most people will likely already be a member of at least one cashback website, but for those who aren’t, now might be the time to sign up. Sites like Quidco and TopCashBack (TCB) are free to join and are legitimate and popular choices. They typically also offer a premium membership where members get higher cashback rates and bonuses, but it comes at a small cost, ie. they may take £5 per year from your earnings, providing you’ve earned more than this minimum threshold. I’d personally go for a free account, at least at first.

When you’re browsing online and decide on what you want to buy, close that window and navigate to your chosen cashback site. You can sign up to more than one and see which has the best offers at the time. If the cashback site lists the store you want to purchase from, then click to shop through them. They’ll usually offer you a % of cashback on your purchase or a small lump sum, which means money for nothing if you were going to make the purchase anyway. The only hiccup is if you find a more generous discount code elsewhere because most cashback sites will decline purchases made with a code that isn’t approved by them. Weigh up which gives you the best bang for your buck before buying.

It’s not just for typical online shopping either. While there are hundreds of online stores listed, there’s also cashback available on gift cards, insurance, groceries, mobile phones and SIM card packages, broadband, online gambling and bingo, experiences and days out, gym memberships, comparing energy deals and signing up to a new provider, booking accommodation and travel, etc. 

I use TCB and Quidco. While you get some ups and downs in terms of occasional problematic tracking, it’s certainly better than nothing and you can earn a decent bit back if you shop online regularly or if you sign up to a new broadband or car insurance policy by clicking through them first. You could cashout to your bank account or get yourself a store voucher. Also look out for special bonuses and seasonal games where you can get a little extra boost!

These sites are technically limited to one account per person but you can have numerous accounts in each household if you have more than one online shopper. If you fancy checking them out and signing up, you can get a little bonus as a new user below:

Sign up for TopCashBack here for a £10 bonus.

Sign up for Quidco here for a £1 bonus.

[ At the time of writing – 28/10/22 – TopCashBack is offering a £2 bonus on top of cashback for any £5+ spend, subject to terms. You need to find the offer on the homepage and opt in before clicking through to the store you want to purchase from ]

An orange background with white text reading "Online Shopping" along with the outline of a computer keyboard. To the right is someone's hand holding a phone to indicate shopping online.

Shopping Reward Apps

There are a few apps now available for smartphones that give users cashback on in store purchases for certain items, allowing them to get the equivalent of a discount or even a free product. While some such apps aren’t, in my opinion, as good or as generous as they used to be, they may still come in handy to save some pennies or to allow you to try something new.

For instance: CheckoutSmart, Shopmium & ClickSnap by Quidco are all quite popular and well-known options.

Earn From Your Receipts

You can earn yourself points just for snapping pictures of your shopping receipts, so make sure to keep them when you’ve been in store. I’d personally use a pen to mark out important info like the last digits of your bank card or any loyalty membership number (alternatively use some scrap paper to cover those parts if you may need to use the receipt in future to return an item).

The apps are usually pretty simple and straightforward but it takes perseverance. You’ll need to snap a lot of receipts to earn enough points, but if you do it regularly and partake in any surveys (if they app has them) then it’ll add up. When you have enough points, most apps allow you to get your reward as a shopping voucher or sometimes as a Paypal payment.

Here are a few receipt app suggestions :

  • ReceiptHog
  • Shoppix
  • SnapMyEats
  • Storewards
  • HuYu

Shop Around, Stock Up & Be Food Frugal

  • Keep an eye out for deals and offers at different stores by looking at the brand’s social media accounts or by signing up for email updates. I also post some bargain buys on my Facebook and Twitter accounts from time to time, from cheap vitamin offers to cheap Kindle ebooks. 
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  • When shopping for routine items or bigger purchases, it’s a good idea to shop around and see what’s what. Thanks to the marvels of the internet, you can usually do this fairly easily at home with a few clicks. For groceries, I check the supermarket websites of stores I’m willing to go to (like Tesco, Sainsbury’s, Asda) and see what’s on offer, searching for the products I need to see if they’re on sale. Of course you don’t want to go travelling to and fro around numerous stores as it’ll cost you more than you end up saving, but it could guide you to where to get the best buys on that day. Make sure to check the pack or unit size when comparing prices to work out what’s the best buy.
  • If you have the space at home for a little extra, it can be helpful to stock up when something is on a decent offer. If it’s perishable, check the dates and make sure you’re not letting anything go to waste.
  • If you’re new to online grocery shopping, check for new user discount codes (such as £15 off a £70 spend for new users). A basic Google search should pull something up but there is a site where you can find all the current new user supermarket discounts listed in one place here. Many big brands like Asda and Tesco have such offers but the discount codes you need to type in at the checkout can regularly change, so persevere if the first you find doesn’t work.
  • Be food frugal by reducing waste and make food go further. You can look online for handy tips on making food and leftovers go further or last for longer, such as freezing bread (something I only starting doing during the pandemic and have found is hugely helpful).

Supermarket Loyalty Schemes

Many supermarkets now offer their own loyalty program, though some have been getting increasingly miserly in their rewards as stores look to cut their own costs. Tesco Clubcard, Sainsbury’s Nectar, the newer Asda Rewards, etc. Signing up to the basic versions of these are all free, so it’s worth doing.

The Sainsbury’s Nectar scheme has been changed quite substantially though so it’s worth bearing in mind you’ll now need a computer or smartphone to “add” the bonus points offers. To take advantage of the “My Nectar Prices” offers (discounts on a small selection of products, including those you typically buy with your Nectar card) you’ll need to use SmartShop in store. This means either using the self-scanning app on your phone, or using a self-scanner handset in store.

I’ve been using these handheld supermarket scanners during the pandemic and I’ve found them to be pretty straightforward. I’ve also found that they usually save a lot of time and energy as you can just scan the items and pack them as you shop. No more unpacking to put everything out on the till and then re-packing. I find this better for me physically and it means I can make use of the discounted prices. But I don’t like that the scheme essentially shuts out those who don’t use technology or who don’t have bank cards to pay for their shopping (as you can’t usually pay cash with self-scan checkouts).

A view of a supermarket aisle from a shopping trolley.

Save Money On Petrol / Diesel

As for buying fuel, the price of petrol and diesel is just starting to come down slightly after eye-watering increases earlier in 2022. It’s still far too expensive, and while we’re not going to be able to save much, we could save a little by changing how we shop.

  • There’s a petrol cost comparison site called PetrolPrices that I use. You can sign up for a free account and then you’ll be able to compare fuel costs at stations near you (or within the area of any postcode you input). I think this is a brilliant idea to give you the gist of what’s what.
  • You could also sign up for loyalty schemes with particular petrol station providers, such as the BP rewards app. With occasional emailed bonuses and points for every fuel or food purchase at the station, the points will add up and it’s better than nothing when looking at such high costs.
  • Then there’s maximising your fuel efficiency. Things like : Ensuring your tyres are inflated correctly (under or over inflated can use more fuel), reduce the use of air conditioning or heating if not really required, choose the option for internal air circulation for a/c rather than using air from outside as that’s more energy-consuming, change gears earlier, reduce weight in the car if there are unnecessary items being stored, and accelerate slowly and smoothly as this guzzles a little less fuel than jamming your foot down quickly.
An image shows a miniature red shopping trolley and text snippets as though from newspapers saying things like "shock at food prices" and "cost of living". Below is the post title: Cost Of Living Crisis UK Special, part 3 of 3.
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Caz  ♥

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Animalcouriers October 28, 2022 - 4:31 pm

Some great things we hadn’t heard about! Thanks for sharing.

InvisiblyMe November 3, 2022 - 10:39 pm

I’m glad I could introduce you to something new. Thanks very much for the comment! 🙏 x

Kymber Hawke October 28, 2022 - 4:49 pm

These are great ideas, Caz. And your post gives me ideas about what I might be able to pursue in my area. xo

InvisiblyMe November 3, 2022 - 10:44 pm

I’m really pleased to hear that, Kymber! 👍 I do hope you can find some way of saving a little more here and there or ways to get some financial support. It feels impossible sometimes. xx

Sandee October 28, 2022 - 5:51 pm

Great points. We’re all spending more for less.

Have a fabulous day and weekend, Caz. Big hug. ♥

InvisiblyMe November 7, 2022 - 4:02 pm

Every little helps to make money go a bit further 👍 Hope you have a great week ahead, Sandee! xx

Ellie Thompson October 29, 2022 - 7:25 pm

Thank you for sharing so many valuable thoughts and ideas about saving money, Caz. This series you’ve written is so helpful, given the current financial climate we’re in in the UK. I’ve never heard of Quidco or TopCashBack. However, I have a Utility Warehouse prepaid debit card I use everywhere. Depending on where you shop, this pays a small percentage of the cost of things back onto my card. With shops like Argos, B&Q, Bodyshop etc., I can earn as much as 5% back, which is not to be sneezed at. I also have store loyalty cards, which you also mention. I’ve never heard of receipt apps so I will look into this further. I tend only to shop at Tesco’s because all the other supermarkets are too far away from me. Overall, they’re good value for money, especially as I buy many own-brand goods.

How are you doing, Caz? I hope you’re as well as you can be. I’m okay, but dealing with an awful lot of emotional stuff from my past. I’m so thankful I can write how I feel on my blog, and I am grateful for all of my readers’ support and encouragement. Take good care of yourself … Ellie Xxx 🌷❣🌺

InvisiblyMe November 7, 2022 - 4:21 pm

Thank you very much, Ellie. I wasn’t sure it’d be helpful but I figured even one person might find something they’d not thought about or known about before, and every little helps. I’d definitely recommend Quidco & TCB free accounts if you buy things online (including insurance etc). I’ve learned something new as well because I’d never known Utility Warehouse did a prepaid debit card. That’s very cool! Is there no fee to pay on it to get that cashback? If not, then that’s definitely one I’ll have a look at.

Keep writing my friend. Keep sharing and keep going. I can’t pretend to know what you’ve been through or how you’re feeling now, but I’m guessing it hurts like hell. I’m keeping you in my thoughts. Please take good care of yourself, too. Hang in there 💜 xxxx

Blanca October 29, 2022 - 8:45 pm

Great tips Caz, thank you so much for shring this part 3 on cost of living crisis. I’ve been using the supermarket loyalty programs and schemes for many years and they really work to save up some money.

InvisiblyMe November 7, 2022 - 4:41 pm

I’m really pleased you like the series – thank you, Blanca! I’m glad I did the posts now as I wasn’t sure how well they’d go down. It’s great you’re already in the habit of loyalty schemes to make money go a little further. 👍 I find it hard to buy something now without it being on offer or being able to earn points on it! xx

Charity October 29, 2022 - 9:48 pm

These are all such great ideas! Thanks so much for sharing!

InvisiblyMe November 7, 2022 - 4:42 pm

I’m glad you like the suggestions! Thanks lovely 🙏 x

Ann Coleman October 30, 2022 - 9:41 pm

These are good tips, even for those of us living in the US! We’re having the same runaway cost of living issues here, with incredible inflation. Thanks!

InvisiblyMe November 7, 2022 - 10:52 pm

I’m sorry the situation there with money and inflation is so difficult too, Ann. It sucks and it’s worrying to realise you can’t see it getting any better any time soon. I’m glad you like the tips! I hope you have a lovely week ahead 🌺 x

Despite Pain October 31, 2022 - 4:12 pm

I’m so late in commenting as my back/ribs seem to have decided to give up on me… I’m also late in learning about Quidpro and Topcashback. Thank you for sharing. I’ll be looking into those.
I often heaqr people complaining about loyalty cards for supermarkets and I wonder why they complain. I like a bargain so if a store offers me cheaper products for giving them my custom, I’m happy.
We have a 24 mile round trip to our local supermarker and it’s fairly small, so often went to a bigger store elsewhere when we needed a big shopping. Then I started getting on online grocery delivery. With the cost of fuel, paying for the delivery worked out so much cheaper.
Thanks for all the tips in this and your last two posts. They’re really helpful.

InvisiblyMe November 9, 2022 - 11:04 pm

Oh Liz, I’m sorry about your back and ribs. Anything trigger that off, or just another gift from chronic pain that keeps on giving? I hope it eases soon, if it hasn’t already.

You’re not ‘late’ at commenting at all! And I’m always grateful for the support you give me in reading and commenting. I’m late at replying to your comment though 😆

I’m glad I could introduce you to something new with TCB and Quidco. I’d definitely recommend giving them a go on a free account basis as it’s better than nothing, especially when they have bonuses (like an extra £2 cashback on a £5 purchase, for instance). Tesco were right when they said every little helps, it’s just a shame that ‘little’ will only stretch so far these days.

I’ve heard some moaning about store loyalty cards but that’s when they change the program to whittle down the rewards. I just don’t like the zealous reliance on being online and using an app on your phone in store to be eligible for cheaper prices. If you have a problem with your phone or can’t connect to the internet, you’re screwed. If you don’t have a phone, you’re screwed. If you’re older and don’t even know how to turn a phone on, you’re definitely screwed. It seems a tad too unfair to push out those who don’t or can’t use technology. My parents only use it a little because of me showing them, but there’s only so much they can or will do. They can’t download apps or shop online.

And yet now I’m realising these are such trivial things, as is me moaning about how painful and exhausting it is to go supermarket shopping a few times a week because at least it’s a short-ish drive! My god, Liz. 12 miles to get to the supermarket, 12 miles back? Oh dear. We used to have similar when I lived in a little town before and we’d drive 30-40 minutes to get to a supermarket. With pain and illness, that’d just be a no-go or a special occasion! I’m glad you can do online shopping and that you have your new internet, which will come in very handy I’m sure!


The Oceanside Animals November 1, 2022 - 1:48 am

Lulu: “More great tips! Gasoline prices are a big thing here, people talk about them ALL THE TIME. Fortunately, our Mama and Dada don’t really ever go anywhere, except to take Bean and me to the park of course.”
Java Bean: “Priorities!”

InvisiblyMe November 10, 2022 - 10:56 am

If only talking about the prices would make them shrink! 😆

Priti November 2, 2022 - 5:38 am

Really the ideas are very valuable but sometimes we can’t save any how much we can try! Well shared.

InvisiblyMe November 2, 2022 - 5:20 pm

I agree – I said this on another post, I think about saving on energy, that there are going to be people who have done all they can and there’s just no more wiggle-room to save. I feel like I already do everything I can, but that’s after years of trying to be more frugal, shop around for offers, use vouchers and discount codes, etc. I figure there will be people who could save on certain things but they may not know about them (like the NHS Prescription card or cashback sites) so I’m hoping these posts might help at least one other person in some way. Thanks for reading and the comment, Priti 🙏 x

Priti November 2, 2022 - 5:21 pm


Priti November 2, 2022 - 5:22 pm

My pleasure 🥰 read my story to spend your energy ☺️☺️

Belladonna November 2, 2022 - 7:19 pm

These are really good tips. Buying in bulk for the things you need is a better way to go. Cash back programs are huge win and I do that as well. I also have a credit card that gives money back every time I use it and that works out so well for me. Great post and full of excellent points.

InvisiblyMe November 10, 2022 - 5:02 pm

Buying more when something is on sale is better, I agree. As long as it’ll be used and not wasted, it can save a small fortune! It’s great your credit card gives cashback on your purchases too, very convenient! I’m glad you like the post and thank you for the comment! 🤗

Belladonna November 10, 2022 - 11:26 pm

I love post like this! So helpful for those looking to save

Lauren November 3, 2022 - 2:25 pm

This is a post with some really productive and functional tips. Thank you for sharing your suggestions. I am sure they will help a lot of people.


InvisiblyMe November 10, 2022 - 5:02 pm

Thanks, Lauren. Even if it just gives one person a new idea or something to try, I’ll be happy ☺️

Katy November 29, 2022 - 12:49 am

WOW!!! I’m obviously walking backwards through this, Caz, but what a wonderful service and You’ve provided SOOO MANY wonderful suggestions!!! My mind is blown that there are 2 more posts on this topic!!! THANK YOU! Cheers and Huge hugs!!! 💖💖💖

InvisiblyMe December 22, 2022 - 3:37 pm

Aww thank you, Katy! I really hope something here might be of help to someone in some way. You da best – Hope you’re keeping well my friend! 🙏 xx

Simplysplendidfood December 22, 2022 - 8:33 am

Well said! 💗

InvisiblyMe December 22, 2022 - 3:38 pm

Thank you very much – I hope the week is treating you well so far! 🙏


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