Profile of a budgeting mum: Toddy Peters

How do you budget? I have made menu plans for almost 20 years, following my changing lifestyle! I get an organic box delivered every week, alternating between a veg box and a fruit box.  I stick to shop’s own brands, shop online as much as possible and check the online services for offers on the few branded items I use, as well as checking multibuy offers before planning my meals. I also try to shop instore once a month or so and look for yellow stickered products to freeze for later use.

We have a structure of meatless Monday which is a hangover from my Hindu father’s tradition, and fish on Friday, in accordance with my Christian grandmother’s habit.  In addition I aim to do one other meat free or meat-minimal meal a week.   I try to cook in bulk and freeze a portion once every couple of weeks on the weekend, and we do eat a little more interestingly on the weekends, when our household increases by one or 2 adults.I aim to spend no more than £60 on groceries (not including the box) each week on average.

Hi, what’s your name? Toddy Peters

Any kids? Yes, 3 – aged 9 years, 4 years and one month!

Do you work? FT/PT?   I am a full time mum.  


If you don’t work why don’t you?  I believe it is better for my kids to be at home with them.

What are your child care arrangements? I stay at home with them, and plan to do so for as long as possible.

How do you manage for money?  My ex-husband pays the mortgage & insurance. I receive income support and other benefits.  I have a close friend who lives with the family as a paying lodger.  My parents help with incidentals related to the children.

Do  you worry about money?  Yes!

What do you waste money on?  Magazines and meals out. And yarn.

Have you made any big financial changes since having kids?  Several times, including becoming separated, and taking control of the finances.

How do you make extra cash?  I don’t at the moment, tho I plan to sell outgrown clothes on eBay.

Can you share 3 top budgeting tips for other parents?

1.  plan menus, but allow flexibility for offers instore

2. “pay yourself forward” with yellow stickered joints of meat and other freezables which can be planned into meals at a later date

3.  Save money on lunches for  yourself by saving a portion of supper to be reheated the next day. Some evening meals can be stretched for cold leftovers for kids lunchboxes too.

 Tody blogs at

Thanks so much for you answers Toddy!


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