Competition

Win a £25 Voucher for a Supermarket of your Choice

I love to give back to everyone who reads, comments and follows my blog and this month I’m running a competition for one lucky reader to win a £25 voucher for a supermarket of their choice. This includes Tesco, Morrisons, ASDA, Sainsbury’s, Iceland, Aldi, Marks & Spencer, Co-operative, Waitrose or Lidl.

With supermarket prices rising all the time and the uncertainty of Brexit, our monthly groceries bills are rising month after month. Hopefully, this voucher will go a little way towards helping with that cost whether you use it to buy your favourite chocolate, a new book or your children’s favourite snacks – the choice is yours.

Entering is quick and easy, simply complete the steps on the Rafflecopter form below. Remember, the more steps you complete the more entries you will have and the greater chance of winning. Good Luck!

a Rafflecopter giveaway
Competition rules:

  • The competition will close on the 30th of April 2019
  • Open to UK residents only
  • A winner will be chosen at random

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158 Comments

  • Reply
    Sinead ORourke
    April 3, 2019 at 9:34 pm

    Check online before you go for your shop so you always get a good deal,

  • Reply
    Solange
    April 3, 2019 at 10:33 pm

    Stick to your list and use a calculator as you shop to stay under budget and never grocery shop hungry

  • Reply
    Tracy Nixon
    April 4, 2019 at 7:18 am

    I use a supermarket comparison website to see who has the best offers on the groceries I intend to buy that week.

  • Reply
    Susie Wilkinson
    April 4, 2019 at 8:27 am

    Buy your essentials when they’re on offer, and check price comparison sites to know where to shop, and also, don’t be tempted by special offers you don’t need.

  • Reply
    Sj straw
    April 4, 2019 at 9:33 am

    Eat own brand or basics range. Most of the time they are perfectly OK and a fraction of the cost.

  • Reply
    Nyasha Mtutu
    April 4, 2019 at 9:57 am

    In Tesco I like to use the scan-as-you-go gadgets they have…this allows me to see how much I’m spending before paying. I also use it to check the reduced clothing because sometimes they’re less than the sticker so I occasionally find some real bargains like a 5-pack of socks for £1!
    Also, without a doubt is then end of the day meat reductions – although this can be a tough one. I can’t handle it with the kids because 1. I don’t always get the timing right, and my children get very bored, very quickly and 2. Sometimes there’s just too many people and you’d think we’re nearing an Apocalypse with all the pushing/shoving! Luckily for me, my mum-in-law pops to her civilised local after work and boy does she get some bargains!! Most recently she got me a boneless pork leg for 43p (over £8 initially).

  • Reply
    clair downham
    April 4, 2019 at 10:41 am

    plan your meals and dont go when hungry

  • Reply
    iain maciver
    April 4, 2019 at 11:25 am

    shop around for the best discounts, use vouchers

  • Reply
    Jayne Townson
    April 4, 2019 at 12:16 pm

    Mine is to write a list and stick to it no matter how many “offers” there are.

  • Reply
    ElizM
    April 4, 2019 at 1:00 pm

    plan meals ahead

  • Reply
    Annabel Greaves
    April 4, 2019 at 2:22 pm

    I like to keep an eye out for deals

  • Reply
    charlotte isobelle
    April 4, 2019 at 3:24 pm

    Always have a list of what you need not what you want, also dont go hungry 😛

  • Reply
    Lisa Rowsell
    April 4, 2019 at 3:36 pm

    I look out for coupons to save money on my shopping bill.

  • Reply
    Linda Ford
    April 4, 2019 at 3:52 pm

    Always make a shopping list!

  • Reply
    fozia
    April 4, 2019 at 4:21 pm

    bulk bye discount products and batch cook and freeze.

  • Reply
    Noreen
    April 4, 2019 at 4:59 pm

    Shop late in the day to find the bargains!

  • Reply
    MARK THOMAS
    April 4, 2019 at 5:07 pm

    Shop around , and stock up when goods are on offer, such as buy one get one free etc .

  • Reply
    Peter Watson
    April 4, 2019 at 5:37 pm

    Always make a list of what you need and stick to it when shopping.

  • Reply
    Donna Skelton
    April 4, 2019 at 5:53 pm

    Shop around to find the best bargains

  • Reply
    Amy Butler
    April 4, 2019 at 5:54 pm

    Go shopping in the evening and head to the reduced section where the supermarkets have the biggest discounts.

  • Reply
    Andrea Fletcher
    April 4, 2019 at 5:54 pm

    Write a list and stick to it.

  • Reply
    Laura Banks
    April 4, 2019 at 6:16 pm

    stick to your list so you don’t buy stuff you don’t want

  • Reply
    Emma Larkin
    April 4, 2019 at 6:22 pm

    Don’t go hungry – you’ll buy everything in sight! Or just after a big meal as you’ll buy hardly any food. Try and stick to a list if you can and only take enough money for what is on the list.

  • Reply
    Natalie Burgess
    April 4, 2019 at 6:22 pm

    Looking for reduced items at the right time! Xx

  • Reply
    Rena Plumridge
    April 4, 2019 at 6:46 pm

    Have a look in the reduced section before buying anything

  • Reply
    ruth robinson
    April 4, 2019 at 7:35 pm

    i buy things on the reduced section and freeze

  • Reply
    Jade P
    April 4, 2019 at 7:40 pm

    Most definitely stick to your list and use the scan as you go machines..And keep an eye out for any deals/discounts!

  • Reply
    Ellen Stafford
    April 4, 2019 at 7:56 pm

    Write a list and keep to it…..also buy extra cupboard products when they are on offer and stock up!

  • Reply
    Hayley Colburn
    April 4, 2019 at 8:09 pm

    keep an eye out for money off coupons, there are loads of websites where you can simply print them off at home, also check the in store leaflets and magazines as there are sometimes coupons in those too

  • Reply
    Joanne Darnell
    April 4, 2019 at 8:36 pm

    keep an eye out for good deals

  • Reply
    Ritchie
    April 4, 2019 at 9:33 pm

    Don’t go food shopping when you are hungry

  • Reply
    Catherine S
    April 4, 2019 at 9:52 pm

    Stick to your list and don’t get swayed by ‘offers’ if it isn’t something you usually buy and isn’t on your list.

  • Reply
    Sean Eccles
    April 4, 2019 at 9:55 pm

    When grocery shopping use a small trolley not a big one i always spend more if I use a big trolley

  • Reply
    Anthony Harrington
    April 4, 2019 at 10:02 pm

    I buy the expensive things when they are on offer and I do compare prices online

  • Reply
    Ali Duke
    April 4, 2019 at 10:21 pm

    Meal plan, and then only buy what you need for the meals for the week

  • Reply
    Christine Caple
    April 4, 2019 at 10:31 pm

    Try to stock up on things when they are on offer or reduced.

  • Reply
    Kevin Honey
    April 5, 2019 at 1:46 am

    Have something to eat before you go shopping!

  • Reply
    T Brailey
    April 5, 2019 at 8:11 am

    I always look for the orange label especially in the co-op. Some fantastic deals to be had.

  • Reply
    William Gould
    April 5, 2019 at 8:32 am

    We plan a weekly menu before we shop, and stick to it!

  • Reply
    Geri Gregg
    April 5, 2019 at 9:52 am

    Take a shopping list and have a look in the reduced sections

  • Reply
    Sarah-Jane Carter
    April 5, 2019 at 10:36 am

    always budget and use coupons xx

  • Reply
    Joanne Beale
    April 5, 2019 at 11:07 am

    Check on-line for best price and buy items which have been reduced

  • Reply
    Abigail Cullen
    April 5, 2019 at 1:47 pm

    I always check online first for the best deals, with Lidls, I check their weekend offers and deals of the week.

  • Reply
    Helen R
    April 5, 2019 at 1:56 pm

    Download apps such as greenjinn, checkoutsmart and shopmium for money off certain items and freebies!

  • Reply
    Alica
    April 5, 2019 at 3:25 pm

    Write a meal plan and then a list and stick to it, it can save a fortune!

  • Reply
    G Keegan
    April 5, 2019 at 4:49 pm

    Shopping online means I am less likely to be tempted to buy treats!

  • Reply
    Sheena Batey
    April 5, 2019 at 5:36 pm

    Take a list and stick to it. Don’t be tempted by stuff on the end of aisles

  • Reply
    Susan B
    April 5, 2019 at 7:19 pm

    Eat before going to the supermarket, take a list and pay in cash.

  • Reply
    Nikki Hayes
    April 5, 2019 at 7:46 pm

    Shop online – its far easier to compare prices and far less chance of being tempted by buying unnecessary items.

  • Reply
    wildbunnyarts
    April 5, 2019 at 11:15 pm

    shop at aldi or lidl. also, dont eat meat.

  • Reply
    Angie McDonald
    April 6, 2019 at 12:13 am

    Make a list and stick to it! If it isn’t not he list, you don’t need it

  • Reply
    Darrell Perry
    April 6, 2019 at 8:07 am

    The only advice I have is make a list of things you need and stick to it. Don’t be tempted by these Buy one get one free offers unless it’s something you need. Also remember supermarkets usually put the more expensive brands at eye level and the cheaper versions at the bottom of the shelves.

  • Reply
    Derek Wilson
    April 6, 2019 at 12:32 pm

    Go shopping with a specific amount of cash, and no cards, so you can’t go over budget.

  • Reply
    janine atkin
    April 6, 2019 at 3:36 pm

    write a list and stick to it

  • Reply
    Angela Kelly
    April 6, 2019 at 3:41 pm

    I make a list and stick to it!

  • Reply
    Amy Bondoc
    April 6, 2019 at 7:31 pm

    i buy meals daily in the evening after work so i dont waste food or overspend, once ive finished alot of the stores discount the food too so i cget a good deal!

  • Reply
    Christopher Read
    April 6, 2019 at 10:34 pm

    I like to make use of the coupons from previous visits, to get double/triple points on my loyalty card

  • Reply
    Margaret Dixon
    April 7, 2019 at 1:33 pm

    I started using scan as you go at the supermarket it really helps me to keep to my budget and it’s so easy to do

  • Reply
    Claire woods
    April 7, 2019 at 6:51 pm

    look for special offers on items.

  • Reply
    Susan Smith
    April 7, 2019 at 7:17 pm

    Just take cash and go with a list

  • Reply
    Ruth Harwood
    April 8, 2019 at 8:23 am

    I always shop around, buying different things in different shops based on the price they are!

  • Reply
    Hannah Smith
    April 8, 2019 at 1:27 pm

    Write a list and stick to it, otherwise you’ll be lured in by offers you don’t really need

  • Reply
    Sophie Roberts
    April 8, 2019 at 2:34 pm

    I always use the My Supermarket app to see how much my favourite products are from a range of different supermarkets. I don’t mind going to 3 different ones if it means I’m saving money!

  • Reply
    Heather Haigh
    April 8, 2019 at 3:57 pm

    Check what you have and make a list before going.

  • Reply
    Debbie Skerten
    April 8, 2019 at 4:01 pm

    Always look on the bottom shelf first. They’re not necessarily the poorest quality, but they can be the cheapest. Supermarkets always put the product they want you to buy at eye level.

  • Reply
    Michelle Smith
    April 8, 2019 at 7:15 pm

    Keep a look out for discounts and only buy what you need rather then what you want.

  • Reply
    Theresa Wakeley
    April 8, 2019 at 9:29 pm

    Plan meals ahead to avoid watwork and of course browse for any offers and discount codes for online and In store offers

  • Reply
    Louise Fairweather
    April 10, 2019 at 9:23 pm

    Shop online so you don’t impulse buy

  • Reply
    cheryl hadfield
    April 10, 2019 at 10:55 pm

    never go food shopping when you are hungry

  • Reply
    Helen Stratton
    April 11, 2019 at 10:16 pm

    Meal plan so you know what you need for meals and then write a list that you stick to.

  • Reply
    Rennene Hartland
    April 12, 2019 at 1:50 am

    Write a list and stick to it.

  • Reply
    Carolyn E
    April 12, 2019 at 8:45 am

    Take only cash and shop with a list. No cash for extras mean you make a rational decision. Have to admit I leave the rest of my purse in the car, just in case though!

  • Reply
    claire griffiths
    April 12, 2019 at 12:09 pm

    always write a list before doing the shopping and try not and be drawn into the offers always think will you use the product etc or are you buying for the sake of the offer ?

  • Reply
    Jane Willis
    April 13, 2019 at 2:38 pm

    Plan your meals and menus and write a list BUT allow for some flexibility so that if you spot a bargain you can easily change your plans to incorporate it into your week’s meals

  • Reply
    Mum Reinvented
    April 13, 2019 at 5:35 pm

    Meal plan, make a list and stick to it.

  • Reply
    Hazel Rea
    April 13, 2019 at 9:53 pm

    Stock up on longer life items such as cereals (as well as non food items such as toilet rolls, tissues, etc.) when they are on special offer. Don’t forget to rotate your stock of the foodstuffs by date!

  • Reply
    Debbie Hawkins
    April 15, 2019 at 8:42 pm

    Meal plan in advance and then write a shopping list of what you need to stop impulse buying. Saves money and waste.

  • Reply
    Gemma Hendry
    April 15, 2019 at 10:03 pm

    plan meals for the week ahead and that way you can budget

  • Reply
    Christine Constable
    April 16, 2019 at 2:52 pm

    Buy items which are reduced and then freeze them.

  • Reply
    Lorna Ledger
    April 16, 2019 at 4:17 pm

    Use sites such as Topcash back, and consider bulk buying none perishables to save more money

  • Reply
    Christina Curtis
    April 16, 2019 at 10:04 pm

    Meal plan before you go, budget and stick to the list!

  • Reply
    Julie Howarth
    April 17, 2019 at 11:46 am

    Stick to a shopping list and don’t go shopping when you’re hungry!

  • Reply
    betsy ferguson
    April 17, 2019 at 11:51 am

    Never go grocery shopping when you are hungry – and, avoid certain isles, like the sweets, crisps and pop – you dont need those, try alternatives like fruit, nuts and seeds which keep stomachs full for longer x

  • Reply
    debbi ruskin
    April 18, 2019 at 8:16 am

    Look out for any reductions on basics & stock up when possible

  • Reply
    Gill Mitchell
    April 18, 2019 at 9:50 pm

    I find I spend less money doing an online shop because I just search for what I need rather than grabbing lots of impulse buys like I do instore.

  • Reply
    Kayleigh Watkins
    April 20, 2019 at 11:52 pm

    Write a shopping list, make a weekly food planner so you can use any leftovers in the week, don’t go shopping when your hungry either xx

  • Reply
    Tess d
    April 21, 2019 at 11:38 am

    plan menus for a week and write a list and stick to it x

  • Reply
    Gillian McClelland
    April 21, 2019 at 10:34 pm

    Plan a list before you go and make sure you have eaten before you go otherwise you end up buying junk food

  • Reply
    Ursula Hunt
    April 22, 2019 at 10:57 am

    Make a list and stick to it

  • Reply
    christine goody
    April 22, 2019 at 8:50 pm

    Always buy the things that you buy when they are on offer, stock up

  • Reply
    Margaret GALLAGHER
    April 22, 2019 at 8:59 pm

    Plan your weeks menu and batch cook using seasonal produce – saves a fortune

  • Reply
    Tracy Newton
    April 23, 2019 at 8:10 pm

    I don’t seem to be able to reduce my grocery spend. I mush try harder though

  • Reply
    Amanda tanner
    April 24, 2019 at 6:45 pm

    Go shopping around 730-8 can differ depending on supermarketscbut they normally reduce their food down with yellow stickers if sale by date is near. You can always freeze most of it.

  • Reply
    Michelle Ferguson
    April 24, 2019 at 8:20 pm

    Always write a list so you only buy what you need

  • Reply
    Marie Evans
    April 25, 2019 at 5:05 pm

    Make a list, Plan your meals before hand & always have a look at the reduced section every store has one.

  • Reply
    Kathryn Hipkin
    April 25, 2019 at 7:13 pm

    Look for the products on the bottom left of the shelves as those are the cheaper bargain ones and with Tesco especially, work out the value of the multipacks because sometimes you do get a better deal on the smaller ones.

  • Reply
    Gemma Clark
    April 25, 2019 at 7:55 pm

    Always meal plan so you know exactly what you need

  • Reply
    Kerry H
    April 25, 2019 at 9:40 pm

    I buy online or shop and scan to keep to a budget.

  • Reply
    Natasha R-M
    April 26, 2019 at 7:31 am

    Buy supplies when they are on offer, use coupons and buy cheaper versions where possible, i.e. basic or value tinned food. Also, “wonky” or vegetables with imperfections as thy are still absolutely fine.

  • Reply
    Natasha Mairs
    April 26, 2019 at 7:54 pm

    stock up on items on offer and try to only buy them when they are on offer

  • Reply
    Margaret Wacey
    April 26, 2019 at 7:56 pm

    ‘Shop’ from your own cupboards and freezer first – plan meals using what you already have in stock and then shop for only the things you need for the rest of your planned meals. It is surprising how many meals you can make from items you already have. Give yourself a challenge occasionally to not shop that week but eat up the stocks you already have.

  • Reply
    Ann Skamarauskas
    April 26, 2019 at 10:10 pm

    avoiding the chocolate aisle

  • Reply
    AnnaSSS
    April 27, 2019 at 3:39 pm

    Planned meals ,coupons,shopping around.x

  • Reply
    Carole Nott
    April 27, 2019 at 4:49 pm

    Stick to a list of essentials and avoid over buying on items

  • Reply
    lorraine kirk
    April 27, 2019 at 7:55 pm

    Go at the end of the day when the supermarket reduce fresh items such as bread and fruit

  • Reply
    Kelly Hirst
    April 28, 2019 at 10:19 am

    I buy reduced meat and freeze it for the month ahead

  • Reply
    Tim Woolfenden
    April 28, 2019 at 10:20 am

    supermarket comparison websites , and don’t walk into Tesco when you are hungry

  • Reply
    greig spencer
    April 28, 2019 at 11:37 am

    use coupons and vouchers where possible

  • Reply
    Tammy Tudor
    April 28, 2019 at 11:45 am

    Write lists and look online for which places have the best deals even if it means going to multiple shops!

  • Reply
    Allan Fullarton
    April 28, 2019 at 12:04 pm

    Write a list and keep to the list!

  • Reply
    astrid c
    April 28, 2019 at 12:24 pm

    make a shopping list!

  • Reply
    sandy lynn ralph
    April 28, 2019 at 1:30 pm

    use vouchers and coupons that you get in the local free magazines

  • Reply
    jo liddement
    April 28, 2019 at 2:29 pm

    I buy the supermarkets own brand to save money.

  • Reply
    Nicola Andrijauskas
    April 28, 2019 at 2:52 pm

    Write a list, so that you’re not tempted to go astray in the supermarket!

  • Reply
    Sheri Darby
    April 28, 2019 at 8:04 pm

    Write a list and use cash, you can’t overspend that way

  • Reply
    Caroline Blaza
    April 28, 2019 at 8:09 pm

    Check online for product vouchers

  • Reply
    Victoria Prince
    April 28, 2019 at 8:14 pm

    Always check the reduced sections! There might be something there you were going to buy anyway, or things to put in the freezer until you need them

  • Reply
    Caroline Tinsley
    April 28, 2019 at 8:52 pm

    I plan my meals for the week and only buy what I need, except for taking advantage of bulk deals for stuff that will keep.

  • Reply
    Lynn Neal
    April 28, 2019 at 8:54 pm

    Check what you actually need before you go shopping!

  • Reply
    Sharon Lou Johnson
    April 29, 2019 at 8:03 am

    i do the 8am run once a week and boy do i get the bargains and all can be frozen 🙂

  • Reply
    James Travis
    April 29, 2019 at 1:00 pm

    Make a list and stick to the list , don;’t buy any unwanted extras

  • Reply
    Mary Baldwin
    April 29, 2019 at 6:43 pm

    Write a list, but also go to the reduced section first – you may find a bargain to substitute for something else on your list or can batch cook into something for the freezer to save time and money in the future.

  • Reply
    Pauline Wilson
    April 29, 2019 at 8:04 pm

    I try to plan meals for the week, only but what I really need and shop around the bargain stores too for bits n pieces

  • Reply
    Amy
    April 29, 2019 at 8:40 pm

    plan meals in advance and don’t shop whilst hungry!

  • Reply
    Hayley Ford
    April 29, 2019 at 9:48 pm

    Menu plan for the week, write your list and stick to it!

  • Reply
    Irene Gilmour
    April 29, 2019 at 11:21 pm

    not to buy offer of items your not going to use

  • Reply
    Zoey H
    April 30, 2019 at 5:41 am

    Make a list and make sure not hungry before go

  • Reply
    rebecca smith
    April 30, 2019 at 6:24 am

    take a list and eat before you go

  • Reply
    Victoria Easton
    April 30, 2019 at 6:27 am

    Write a list and do price comparisons sometimes some items are significantly cheaper in other shops. Don’t forget to use discount stores too

    • Reply
      Jeanette Leighton
      April 30, 2019 at 7:40 pm

      Use your clubcard points and discount coupons, make sure you have eaten too

  • Reply
    Sally Collingwood
    April 30, 2019 at 8:10 am

    Shop online then you don’t see all the extras

  • Reply
    Sophie Foulds
    April 30, 2019 at 8:37 am

    Make list so you only buy what you need!

  • Reply
    Gillian Holmes
    April 30, 2019 at 11:49 am

    Buy best buy once

  • Reply
    Catherine Bullas
    April 30, 2019 at 12:57 pm

    Don’t take your kids with you!

  • Reply
    Bryn Luffman
    April 30, 2019 at 1:46 pm

    Look in the reduced section! Find some steals there

  • Reply
    Diane Carey
    April 30, 2019 at 2:08 pm

    Buy reduced items and make meals from them. Also do a weekly menu

  • Reply
    laura pyper
    April 30, 2019 at 2:51 pm

    plan meals a head of trip and watch out for items that are reduced/yellow stickers

  • Reply
    Sandra Fortune
    April 30, 2019 at 3:11 pm

    Write a list just pick up what you need , pay cash and save points and vouchers

  • Reply
    Rebecca Whatmore
    April 30, 2019 at 3:37 pm

    Look around online, especially for the more expensive items such as alcohol.

  • Reply
    JULIE WARD
    April 30, 2019 at 4:21 pm

    I stock up on items I need when they are on offer

  • Reply
    Ruth lee
    April 30, 2019 at 4:29 pm

    Plan your meals before you shop

  • Reply
    Leanne Bell
    April 30, 2019 at 6:38 pm

    A combination of meal planning and writing a list. x

  • Reply
    CAROL PATRICK
    April 30, 2019 at 6:43 pm

    I stock up when items are on offer that we use all the time, particularly toilet rolls, kitchen rolls, cleaning items & toiletries.

  • Reply
    Denise walton
    April 30, 2019 at 8:00 pm

    I buy things on offer and shop around

  • Reply
    Fiona jk42
    April 30, 2019 at 8:19 pm

    I do most of my shopping at one of the discount stores, and also buy fruit and veg from my local greengrocers who is much cheaper than the supermarkets

  • Reply
    Tammy Neal
    April 30, 2019 at 8:33 pm

    I look for offers and do supermarket compare x

  • Reply
    Sam Parkes
    April 30, 2019 at 8:45 pm

    Have meals planned for the week and write a shopping list of the things you need

  • Reply
    Sheila Reeves
    April 30, 2019 at 9:02 pm

    Always make a list – but keep ideas open in case you find some reduced bargains!

  • Reply
    Ruth Wollerton
    April 30, 2019 at 9:05 pm

    Always make a list and stick to it or shop online, so you don’t get tempted my special offers as you go around the shop.

  • Reply
    Emily Smith
    April 30, 2019 at 9:38 pm

    Bulk buy and meal prep.

  • Reply
    Kim Neville
    April 30, 2019 at 9:54 pm

    Write just what you need on your shopping list and I look online to see where is cheaper

  • Reply
    Kat
    April 30, 2019 at 9:59 pm

    Use price comparison before you shop to save money

  • Reply
    Kate Davies
    April 30, 2019 at 10:24 pm

    Meal plan and stick to your list, also never go shopping hungry.

  • Reply
    paula cheadle
    April 30, 2019 at 10:59 pm

    only buy what is on your list

  • Reply
    Sarah Roberts
    April 30, 2019 at 11:00 pm

    Definitely shop around, check internet for prices and vouchers first!

  • Reply
    kate m jones
    April 30, 2019 at 11:12 pm

    I become a coupon queen, saves loads!!

  • Reply
    Natalie Crossan
    April 30, 2019 at 11:25 pm

    Never ever go hungry and make a running total as you shop

  • Reply
    Alison Macdonald
    April 30, 2019 at 11:40 pm

    Bulk buy on items you usually buy when they’re on special offer. Also, don’t be sucked in by 3 for 2 offers as you probably don’t need 3 and will often end up wasting so you won’t have saved anything in the long run

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