0:00:02 > 0:00:06When it comes to shopping, us Brits can blow a fortune.
0:00:06 > 0:00:08See, that's what I want. A single solitaire.
0:00:08 > 0:00:10But how can we control our spending?
0:00:10 > 0:00:13- 30,000 or something like that?- Uh...
0:00:13 > 0:00:16I'm business journalist Steph McGovern.
0:00:16 > 0:00:18- 7,000. GASPING:- What?!
0:00:18 > 0:00:20I want to help make our money go further.
0:00:20 > 0:00:22We are bringing down your spending.
0:00:22 > 0:00:24And I'm Alex Jones.
0:00:24 > 0:00:25Sale!
0:00:25 > 0:00:29I know only too well the traps consumers fall into.
0:00:29 > 0:00:31- How many times have you used that, then?- I haven't.
0:00:31 > 0:00:32LAUGHTER
0:00:32 > 0:00:35- We're challenging families... - No!
0:00:35 > 0:00:36No!
0:00:36 > 0:00:38..to try money-saving alternatives...
0:00:38 > 0:00:39SCREAMING
0:00:39 > 0:00:43..so we can all learn how to shop well for less.
0:00:43 > 0:00:44Ooh!
0:00:44 > 0:00:46- We're talking hard cash. - Really?
0:00:46 > 0:00:47That is amazing.
0:00:47 > 0:00:49Our job here is done.
0:00:49 > 0:00:51ALL: Aww!
0:00:51 > 0:00:54Whoa! Look at all the paint.
0:00:54 > 0:00:56- This week... - Look at all the toys!
0:00:56 > 0:01:00..a family whose click-click shopping is out of control.
0:01:01 > 0:01:03How many parcels do you get delivered?
0:01:03 > 0:01:05- Daily?- Daily?!
0:01:05 > 0:01:09But can Alex and I crack their compulsive spending habits...
0:01:09 > 0:01:11Oh, my life!
0:01:11 > 0:01:13..before it's too late?
0:01:13 > 0:01:15First things first - give us your mobile phone.
0:01:19 > 0:01:20Oh, that's nice, Esmae.
0:01:20 > 0:01:22We're in the West Midlands...
0:01:22 > 0:01:23SCREAMING
0:01:23 > 0:01:26..with a family who need to snap out of their shopping habits.
0:01:26 > 0:01:28- ALL:- We're the Murphys!
0:01:28 > 0:01:32Dad Jason is a CCTV fitter
0:01:32 > 0:01:34and mum Kerry is a teaching assistant.
0:01:34 > 0:01:38- Does mine live on a farm?- Yes.
0:01:38 > 0:01:41And they have three daughters - Sophie, 11,
0:01:41 > 0:01:43Gracie, eight, and Esmae, three.
0:01:43 > 0:01:46- ALL:- Three, two, one...
0:01:46 > 0:01:49- Kerry's the boss.- He's always got to have the last say, though.
0:01:49 > 0:01:50I never get to have to have the last say!
0:01:50 > 0:01:52You've always got to walk off and as you walk off,
0:01:52 > 0:01:55you'll mutter the last say and I'll go, "I heard that!"
0:01:57 > 0:01:58"I heard that." "No, I can't have it."
0:02:00 > 0:02:02Because Kerry does like to shop...
0:02:03 > 0:02:07I am definitely the biggest spender in this household.
0:02:07 > 0:02:10My spending is majoritively online.
0:02:10 > 0:02:13Which means every item is just one click away.
0:02:13 > 0:02:1612-foot pink cover.
0:02:16 > 0:02:18There we go.
0:02:18 > 0:02:20I would order two or three items per evening.
0:02:20 > 0:02:23And Kerry isn't picky. She buys all sorts,
0:02:23 > 0:02:26from gym gear to colouring books.
0:02:26 > 0:02:28I will spend my money on anything.
0:02:28 > 0:02:30I absolutely fall for every advertising gimmick.
0:02:30 > 0:02:32I will just buy anything that I think is great.
0:02:32 > 0:02:35She's forever buying stuff for the kitchen.
0:02:35 > 0:02:38This little gadget, you put the large tomato in there.
0:02:38 > 0:02:41This is a courgetti spaghetti thing.
0:02:41 > 0:02:43In fact, I don't even like courgettes.
0:02:43 > 0:02:44I'm like, "Mum, you don't need it!"
0:02:44 > 0:02:47- We use it on Pancake Day. - We use it once a year.
0:02:47 > 0:02:49THEY LAUGH
0:02:49 > 0:02:55They may not be expensive purchases, but Kerry clicks a lot.
0:02:55 > 0:02:59She buys us lots of teddies. I can't count cos we've got so much.
0:02:59 > 0:03:02- You spent 100 quid this week. - Have I?- Yeah.
0:03:02 > 0:03:05To help Kerry limit her one-click spending,
0:03:05 > 0:03:08£200 a month is put into a separate account just for her.
0:03:09 > 0:03:12But then we still have, like, the other cards on,
0:03:12 > 0:03:14like, PayPal and Amazon.
0:03:14 > 0:03:17When I'm clicking away at night, nothing enters my head
0:03:17 > 0:03:20about the fact that I've actually got to pay, because it's not money.
0:03:20 > 0:03:23It's not money in my hand, and you're just clicking away.
0:03:25 > 0:03:29Kerry also puts her creative talents to good use around the house.
0:03:29 > 0:03:31It was a peach before.
0:03:31 > 0:03:33It wasn't peach. I don't buy peach against red.
0:03:33 > 0:03:35It was a different colour.
0:03:35 > 0:03:38My parents decorate the house a lot.
0:03:38 > 0:03:41I like the house to look nice. I like everything to be perfect.
0:03:41 > 0:03:44Which means decorating for the Murphys
0:03:44 > 0:03:45is more than just a lick of paint.
0:03:47 > 0:03:48Now we need a new sofa.
0:03:48 > 0:03:50Now we need a new telly.
0:03:50 > 0:03:52Now we need some more furniture.
0:03:52 > 0:03:55And everything has to match.
0:03:55 > 0:04:00Wallpaper's all new, and we matched it with the green curtains.
0:04:00 > 0:04:04New lamps, matching flowers. Wardrobes were all new.
0:04:04 > 0:04:07We don't budget for the decorating. We just literally go for it.
0:04:07 > 0:04:09It's got to be the kitchen after this one.
0:04:09 > 0:04:12The kitchen, yeah, cos I've gone off the purple.
0:04:15 > 0:04:19Between the endless decorating and one-click shopping,
0:04:19 > 0:04:22Jason and Kerry certainly know how to spend.
0:04:22 > 0:04:25But there is one saver in the family.
0:04:25 > 0:04:31On my door, I have a Florida fund so we can save to go to Florida.
0:04:31 > 0:04:34My mum and dad basically put all the loose change,
0:04:34 > 0:04:35put it in this little bag
0:04:35 > 0:04:38and then I'll put it in the main Florida fund.
0:04:38 > 0:04:43There's £40. Yep, £40.
0:04:43 > 0:04:45The driving force for our change at the minute
0:04:45 > 0:04:47is this Florida holiday,
0:04:47 > 0:04:49so we are trying to desperately save.
0:04:49 > 0:04:53We want to make the change now because I am out of hand
0:04:53 > 0:04:56and I will spend ridiculously on stuff that I just don't need.
0:04:59 > 0:05:02So, Steph and I have arrived in Walsall
0:05:02 > 0:05:05to help the Murphys make some big changes.
0:05:06 > 0:05:09Oh! Fab photos.
0:05:09 > 0:05:11And we're starting with shock tactics.
0:05:11 > 0:05:14Before they can save for that Florida holiday,
0:05:14 > 0:05:17they need to see exactly where they overspend.
0:05:17 > 0:05:20So, with the Murphys out, we're raiding their house...
0:05:20 > 0:05:22I love going through people's cupboards.
0:05:22 > 0:05:25..to gather evidence for our surprise pop-up shop.
0:05:26 > 0:05:29- Ah! Nutribullet.- Yeah, classic.
0:05:29 > 0:05:31They are really expensive.
0:05:31 > 0:05:35Inside every cupboard is a gadget of some sort.
0:05:35 > 0:05:37- Ah, here we go.- What's in there?
0:05:37 > 0:05:40Just loads more gadgets.
0:05:40 > 0:05:43- What's this? - This is a spiralizer.
0:05:43 > 0:05:46- Oh, yeah, yeah. - To make courgetti spaghetti.
0:05:46 > 0:05:47Right, here we go.
0:05:47 > 0:05:49What is that?
0:05:49 > 0:05:51That is to cut tomatoes.
0:05:51 > 0:05:52What is it?
0:05:52 > 0:05:54I think it's to get juice out of fruit.
0:05:54 > 0:05:56How do you know all this?!
0:05:56 > 0:05:58Like, how do you actually know all this?
0:05:58 > 0:06:00Cos I watch the shopping channels when I'm bored
0:06:00 > 0:06:03and they sell things like this.
0:06:03 > 0:06:07And I must admit, I've been tempted a few times.
0:06:07 > 0:06:09- Everything matches, though, doesn't it?- I know!
0:06:09 > 0:06:11But does it mean that when she paints the wall
0:06:11 > 0:06:13that she has to buy all the gadgets...
0:06:13 > 0:06:15- To match? - ..again, to match?
0:06:15 > 0:06:18Ah, look. They've got one of those posh bins
0:06:18 > 0:06:20and you end up having to buy the bin bags,
0:06:20 > 0:06:22they're a special make of bin bags.
0:06:22 > 0:06:26They look like one of those families who basically falls for adverts.
0:06:26 > 0:06:30There's loads of ways we can save them money just in this room.
0:06:30 > 0:06:32And pretty much everywhere else too.
0:06:32 > 0:06:36- Look how many DVDs they have. - Yeah.
0:06:36 > 0:06:38- Look at all the toys!- I know.
0:06:38 > 0:06:40Are they the type of family
0:06:40 > 0:06:43who just buys loads and loads of toys for the girls
0:06:43 > 0:06:45- without kind of thinking what they've already got?- Yeah.
0:06:45 > 0:06:49Although there does appear to be one thinker in the family.
0:06:49 > 0:06:52"Hi, please donate to the Florida fund."
0:06:52 > 0:06:53There's some little coins in there.
0:06:53 > 0:06:55What have we got in here?
0:06:56 > 0:06:58Oh, it's a little savings box!
0:06:58 > 0:07:01Oh, she's like a little version of me.
0:07:01 > 0:07:03And the similarities don't stop there.
0:07:03 > 0:07:05- Look at this.- Aww!
0:07:05 > 0:07:07Do you know, they're pricey, these.
0:07:07 > 0:07:09I remember when I did dancing when I was a kid.
0:07:09 > 0:07:12- What sort of dancing?- Irish dancing.
0:07:12 > 0:07:14What you laughing at?
0:07:14 > 0:07:16Well, I wasn't expecting that.
0:07:16 > 0:07:18Or this...
0:07:18 > 0:07:20Whoa!
0:07:20 > 0:07:22Look at all the paint.
0:07:22 > 0:07:24What do you think they're digging for with all them spades?
0:07:24 > 0:07:26Oh, my goodness.
0:07:26 > 0:07:28Do you think they buy everything en masse?
0:07:28 > 0:07:32- Balls, paint, spades... - Kitchen gadgets.
0:07:32 > 0:07:33What's this?
0:07:33 > 0:07:35STEPH LAUGHS
0:07:35 > 0:07:36"Please don't take to the neighbours.
0:07:36 > 0:07:39"I think they're sick of me now. Leave it behind the gate."
0:07:40 > 0:07:43That says a lot about their shopping habits.
0:07:43 > 0:07:44It certainly does.
0:07:44 > 0:07:46So we'd better get cracking
0:07:46 > 0:07:49by moving stuff out of the Murphys'...
0:07:49 > 0:07:53- Well, this is good practice for me, isn't it?- It is, yeah.
0:07:53 > 0:07:54..into our very own pop-up shop.
0:07:56 > 0:07:58Our guess is that Jason and Kerry
0:07:58 > 0:08:02have no idea how much they've spent on all of this.
0:08:02 > 0:08:06So we have to track them down and tell them.
0:08:06 > 0:08:08Hello, Jason and Kerry.
0:08:08 > 0:08:10- Hello!- You ordered a latte, I believe.
0:08:10 > 0:08:13- Yeah, can we interest you in a coffee?- Oh, thank you.
0:08:13 > 0:08:14- Shocked?- Very.
0:08:14 > 0:08:16- You look a bit shell-shocked, don't you?- I am, yeah.
0:08:16 > 0:08:19- We haven't got time to drink this coffee, unfortunately.- OK.
0:08:19 > 0:08:20We're going to have to get it to take away
0:08:20 > 0:08:23because we need to have a serious chat with you two.
0:08:23 > 0:08:25- OK.- OK.- Are you up for it?
0:08:25 > 0:08:27- Yeah, definitely, yeah. - Great. Come with us, then.
0:08:29 > 0:08:32Hopefully, our pop-up shop will shock Kerry and Jason
0:08:32 > 0:08:35into making some big changes in the way they spend.
0:08:37 > 0:08:38You pop in first.
0:08:38 > 0:08:40HE LAUGHS
0:08:42 > 0:08:44- Oh, my life!- Oh, my God.
0:08:47 > 0:08:50- This is not all ours! - This looks familiar.
0:08:50 > 0:08:52Have we really got all that?
0:08:52 > 0:08:56- J, why do you need so many spades? - It's not me, it's you!
0:08:56 > 0:08:58How do you feel, seeing all this?
0:08:58 > 0:09:01I can't believe we can actually fill a shop.
0:09:01 > 0:09:03It's not actually everything.
0:09:03 > 0:09:05This is just some of it!
0:09:05 > 0:09:08Look at all the gadgets out of the kitchen.
0:09:08 > 0:09:10My crisp maker. I like that, though.
0:09:10 > 0:09:14- Crisp maker, did you say? - Yeah, this makes crisps.
0:09:14 > 0:09:16- No, it doesn't!- Does it? - Fat-free.
0:09:16 > 0:09:18- This spiralizes... - Oh, yeah, courgetti.
0:09:18 > 0:09:20How many times have you used that, then, Kerry?
0:09:20 > 0:09:22I haven't.
0:09:22 > 0:09:23LAUGHTER
0:09:23 > 0:09:28And it's not just the spiralizer that's been bought and forgotten.
0:09:28 > 0:09:29I bought that cos I made a trifle once
0:09:29 > 0:09:31and you needed to whip the cream.
0:09:31 > 0:09:33How much did that trifle cost, then, in total?
0:09:33 > 0:09:36- About £20. - A really expensive trifle.
0:09:36 > 0:09:37It was nice, though.
0:09:37 > 0:09:39And then there's the smoothie maker.
0:09:39 > 0:09:43I was trying a fad diet where you needed to make shakes.
0:09:43 > 0:09:44So what's this, then?
0:09:46 > 0:09:47I've got no idea.
0:09:47 > 0:09:48SHE LAUGHS
0:09:48 > 0:09:50It was a toy that makes fruit kebabs, actually.
0:09:50 > 0:09:52So how useful is that, then?
0:09:52 > 0:09:54Well, it was... I haven't used it, really.
0:09:54 > 0:09:55Kerry!
0:09:56 > 0:09:58You're buying things you don't need.
0:09:58 > 0:10:01How do you end up buying all this stuff?
0:10:01 > 0:10:02Someone bought one on Facebook.
0:10:02 > 0:10:04"This is amazing." So I ordered one.
0:10:04 > 0:10:06Oh, do you fall for ads and people saying stuff?
0:10:06 > 0:10:08- Yeah. She definitely does.- Yeah.
0:10:08 > 0:10:09Can I ask you about the bin as well?
0:10:09 > 0:10:12They are really pricey brand-new, aren't they?
0:10:12 > 0:10:15- £130.- £130 for a bin?
0:10:15 > 0:10:16It's the bin bags as well, though.
0:10:16 > 0:10:20- Do you buy the official ones that go with this bin?- Yeah.
0:10:20 > 0:10:22They're, like, £15 for a pack of 30, I think.
0:10:22 > 0:10:24They're not! For bin bags?!
0:10:24 > 0:10:26Then we go through 14 a week, cos there's two,
0:10:26 > 0:10:28and we empty the bin every day.
0:10:28 > 0:10:31That is one dear dustbin.
0:10:31 > 0:10:33So, do you have any idea, you know,
0:10:33 > 0:10:36taking the bin and all the rest of it into account,
0:10:36 > 0:10:39how much you've spent on gadgets
0:10:39 > 0:10:41that you've used a couple of times or sometimes never?
0:10:41 > 0:10:42I wouldn't know, to be honest.
0:10:42 > 0:10:46Well, we have, and in terms of what you've spent on kitchen gadgets,
0:10:46 > 0:10:48it's £700.
0:10:48 > 0:10:50OK.
0:10:50 > 0:10:54- Spending money on holiday, that is. - It is, and it could be.
0:10:54 > 0:10:56A lot of this is probably wasted money, isn't it?
0:10:56 > 0:10:58Yeah. Yeah.
0:10:58 > 0:11:00And unfortunately for our impulse shoppers,
0:11:00 > 0:11:04the waste isn't limited to the kitchen.
0:11:04 > 0:11:06There are 34 balls in your garden.
0:11:06 > 0:11:08How many balls do you kick about at the same time?
0:11:08 > 0:11:10- One! - LAUGHTER
0:11:10 > 0:11:13- We found a garage full of spades as well.- Well...
0:11:13 > 0:11:16And, actually, the total we estimate
0:11:16 > 0:11:19is about 75 quid, just on buckets and spades, which is...
0:11:19 > 0:11:22- You know, it's a lot.- And you've got 140 quid's worth of balls!
0:11:22 > 0:11:24LAUGHTER
0:11:24 > 0:11:26What about board games, then?
0:11:26 > 0:11:28Do you know how many you've got of them?
0:11:28 > 0:11:30There's only about 15, I think. Yeah.
0:11:30 > 0:11:33- More?- Higher!
0:11:33 > 0:11:35- 25?- Higher!
0:11:35 > 0:11:38- Oh, my God.- You've actually got
0:11:38 > 0:11:41- 37 board games.- 37?!
0:11:41 > 0:11:42And the total that we estimate
0:11:42 > 0:11:45is nearly £500 just on board games.
0:11:45 > 0:11:48- Gosh.- And they don't use them. - No, they don't.- We don't play them.
0:11:48 > 0:11:50They're just stuck in the cupboard.
0:11:50 > 0:11:51Then there's things like this.
0:11:51 > 0:11:54- What is it? - TOY GROWLS
0:11:54 > 0:11:56Gracie wanted that.
0:11:56 > 0:11:58- And that was £80. - No, it wasn't £80!
0:11:58 > 0:12:00It is, cos it's all, like, digital.
0:12:00 > 0:12:03You're meant to sort of interact with it.
0:12:03 > 0:12:06In hindsight, do you feel like that was a waste of money?
0:12:06 > 0:12:08Oh, God, yeah. Definitely.
0:12:08 > 0:12:12- Where do you buy most of your stuff, then?- Online.
0:12:12 > 0:12:15How many parcels do you get delivered?
0:12:15 > 0:12:16Daily?
0:12:16 > 0:12:17- Daily?! - LAUGHTER
0:12:17 > 0:12:20I wasn't expecting that!
0:12:20 > 0:12:22I was going to say monthly.
0:12:22 > 0:12:25I can't tell you monthly, but I know daily's about three to four.
0:12:25 > 0:12:27- Three to four a day?- Yeah.
0:12:27 > 0:12:30The kids have only got to say they want something...
0:12:30 > 0:12:32- They always want something. - ..and I'll order it.
0:12:32 > 0:12:35To be fair, Kerry's not on her own.
0:12:35 > 0:12:37When it comes to buying toys for kids,
0:12:37 > 0:12:40Britain has the world's second-highest spend
0:12:40 > 0:12:44with parents paying out on average just over 50 quid a month.
0:12:45 > 0:12:47Although, with three to four parcels a day,
0:12:47 > 0:12:50the Murphys could well and truly trump that.
0:12:51 > 0:12:54The problem with you, Kerry, is these deliveries.
0:12:54 > 0:12:56And it makes the kids not really value what they do have.
0:12:56 > 0:12:59If they know there's something new coming every day,
0:12:59 > 0:13:02no wonder that ugly-looking gremlin ends up in the corner.
0:13:02 > 0:13:03It's all bought in love,
0:13:03 > 0:13:07but the reality is these toys haven't come cheap.
0:13:07 > 0:13:10All the toys come to 5K.
0:13:10 > 0:13:13- No way!- £5,000. Yeah, they do.
0:13:13 > 0:13:16But it's not just toys keeping their postie busy.
0:13:16 > 0:13:19Where do you buy most of your online stuff from?
0:13:19 > 0:13:21Amazon and eBay.
0:13:21 > 0:13:22And how often are you buying?
0:13:22 > 0:13:24- Every night.- Every night?!
0:13:24 > 0:13:26Do you realise how much you're spending, though,
0:13:26 > 0:13:27if you're doing it every night?
0:13:27 > 0:13:29No, cos you don't physically see the money, do you?
0:13:29 > 0:13:31I just click it.
0:13:31 > 0:13:32One click and it's here.
0:13:32 > 0:13:34Yeah, what did you buy last night online?
0:13:34 > 0:13:37Erm...I've ordered a phone case for Gracie.
0:13:37 > 0:13:38I ordered one and the wrong size came,
0:13:38 > 0:13:40so we've ordered another one for her.
0:13:40 > 0:13:43- So did you send the wrong one back? - No.- No, it's in the cupboard.
0:13:43 > 0:13:45I can't be bothered.
0:13:45 > 0:13:46Perhaps she will be bothered
0:13:46 > 0:13:49when we tell them how much Kerry's clicks have cost.
0:13:49 > 0:13:53We just looked at your Amazon spend for nine months.
0:13:53 > 0:13:56How much do you think Kerry spent in those nine months?
0:13:56 > 0:14:00- Erm...£400?- £400? Come on, Kerry, what do you think?
0:14:00 > 0:14:02- 1,000.- Double it and add some.
0:14:02 > 0:14:06You spent nearly £2,500.
0:14:06 > 0:14:08We don't have that money!
0:14:08 > 0:14:12Well, regardless, the big figures keep rolling in.
0:14:12 > 0:14:14Do you know how many DVDs you've got?
0:14:14 > 0:14:17- No.- No.- 176.- Really?
0:14:17 > 0:14:19Are there are some there that you've just watched the once?
0:14:19 > 0:14:22- I'd say most of them. - Do you know how much they're worth?
0:14:22 > 0:14:23- No.- Come on, then.
0:14:23 > 0:14:27- Two grand!- No!- Whoa!- Yeah.
0:14:27 > 0:14:29On 22 adult colouring books,
0:14:29 > 0:14:33Kerry's clicked up a spend of £160.
0:14:33 > 0:14:36- Oh, man.- Yep.- And they're all just sat in the cupboard
0:14:36 > 0:14:39cos I actually don't get them out and do anything with them.
0:14:39 > 0:14:43But colouring books aren't Kerry's only creative splurge.
0:14:43 > 0:14:45How often are you redecorating your house?
0:14:45 > 0:14:48- Probably doing something every month.- Every month?
0:14:48 > 0:14:51- So you've been in your house for 11 years.- Yeah.
0:14:51 > 0:14:54How many times, for example, has the lounge changed?
0:14:54 > 0:14:59- We said seven...- Seven times?!- What? - Eight. Seven or eight, yeah.
0:14:59 > 0:15:01- Seven or eight? - My colour scheme will change
0:15:01 > 0:15:03- and then I need new cushions and new curtains and new...- Oh...
0:15:03 > 0:15:07When you go into your kitchen, it's very purple, so if you were to
0:15:07 > 0:15:11change the colour, would that mean that all of those bits and pieces
0:15:11 > 0:15:14would need to be chucked out and you'd need more stuff?
0:15:14 > 0:15:17- Yeah.- Do you try and sort of put a stop to this, Jason?
0:15:17 > 0:15:21Do you say, "We've just done that room, we don't need to do it again"?
0:15:21 > 0:15:24No, to be honest. I like decorating, making things look nice.
0:15:24 > 0:15:27- So you're as bad.- Yeah, I'd say. I'll admit that one, yeah.
0:15:27 > 0:15:30Do you want to know how much money you spent last year on redecorating?
0:15:30 > 0:15:32Go on, then.
0:15:32 > 0:15:34So you spent £4,800.
0:15:34 > 0:15:38- I'll be honest, I can see the colour from Jason's face has gone...- Yeah!
0:15:38 > 0:15:42..from that figure. How do you feel, hearing that?
0:15:42 > 0:15:43It's a lot, yeah. It is.
0:15:43 > 0:15:46With the toys and that, now, that's the holiday, isn't it?
0:15:46 > 0:15:48You could just stop redecorating!
0:15:48 > 0:15:50We could dial that down a bit, couldn't we?
0:15:50 > 0:15:53We could dial it down massively, to be fair.
0:15:53 > 0:15:54'And not just the decorating,
0:15:54 > 0:15:57'because we've totted up how much all of this comes to.'
0:15:58 > 0:16:01Now, can you stomach just one more figure?
0:16:01 > 0:16:02No, I don't think I can!
0:16:04 > 0:16:05Well, you're going to have to.
0:16:05 > 0:16:08Everything we've looked at today in this shop,
0:16:08 > 0:16:12we estimate that all of that is worth...
0:16:12 > 0:16:14- 16,500.- Oh, wow.
0:16:14 > 0:16:18- Makes you feel sick when you hear them numbers, doesn't it?- Yeah.
0:16:18 > 0:16:21You don't realise how much it actually adds up to.
0:16:21 > 0:16:24- Do you have any savings at all?- No.
0:16:24 > 0:16:26And how close are you to the breadline, would you say,
0:16:26 > 0:16:28every month? Is there literally nothing left?
0:16:28 > 0:16:31- Yeah, there's nothing left. - Nothing left.- The good news is
0:16:31 > 0:16:32there's loads we can work on.
0:16:32 > 0:16:34- Are you up for it?- Yeah. - Yeah, definitely.
0:16:34 > 0:16:37Right, first things first - give us your mobile phone.
0:16:39 > 0:16:42- You're joking!- We're going to take the internet off that, love.
0:16:42 > 0:16:45Because you're not doing your online shopping every night.
0:16:45 > 0:16:48'And confiscating Kerry's phone is just the start.'
0:16:52 > 0:16:54If Kerry and Jason are serious about saving for
0:16:54 > 0:16:59a family holiday to Florida, then they've some big changes to make.
0:16:59 > 0:17:02The biggest problem is how much Kerry spends online.
0:17:02 > 0:17:05I mean, we have to make her see that she's got to curb it
0:17:05 > 0:17:07and start saving money.
0:17:07 > 0:17:09- But what about all the redecorating as well?- I know.
0:17:09 > 0:17:12- The matching everything in the house.- That has got to stop.
0:17:12 > 0:17:13Come on, off we go.
0:17:17 > 0:17:20Time to kick our Murphys money-saving mission into action.
0:17:22 > 0:17:24Oh, my Lord!
0:17:24 > 0:17:25Oh, where's my lovely bin?
0:17:25 > 0:17:29Hopefully our swaps will open this family's eyes to alternatives
0:17:29 > 0:17:31that could help us all spend less.
0:17:32 > 0:17:35I didn't know you could buy stuff without a name on.
0:17:35 > 0:17:37- It's nice, though.- Matches.
0:17:38 > 0:17:40Most of our substitutes are cheaper.
0:17:42 > 0:17:44But to really test this brand-loyal bunch,
0:17:44 > 0:17:47some items might not have been switched at all.
0:17:48 > 0:17:50Oh, the shaver! Now, that...
0:17:50 > 0:17:53I will definitely tell if that is different.
0:17:53 > 0:17:55If it is the cheaper one...
0:17:55 > 0:17:57- Yeah.- ..it will rip my skin.
0:17:57 > 0:17:59During our experiment...
0:17:59 > 0:18:00Is that my camera?
0:18:00 > 0:18:03..we want Kerry to try out some creative swaps...
0:18:03 > 0:18:05Oh, look over there, Mum!
0:18:06 > 0:18:09..to stop her clicking her time and money away.
0:18:11 > 0:18:13Oh, my word.
0:18:14 > 0:18:17Plus, we need to reverse the whole family's money mind-set.
0:18:19 > 0:18:21JASON AND KERRY: "You're off to the car-boot sale!"
0:18:21 > 0:18:23That means sell some stuff.
0:18:23 > 0:18:26- That and that and... - No, that's really good!
0:18:27 > 0:18:29They could flog some DVDs too
0:18:29 > 0:18:33and have their movie night without buying a new release every week.
0:18:34 > 0:18:36"We've enrolled you in a month's free trial,
0:18:36 > 0:18:40"giving you access to 80,000 movies and TV episodes to rent."
0:18:40 > 0:18:43Yeah, we can get some popcorn!
0:18:43 > 0:18:46You certainly can - however,
0:18:46 > 0:18:49there is an outright ban on any more paint or balls.
0:18:51 > 0:18:54- Look at the balls!- Do you know? I'm going to find that well hard,
0:18:54 > 0:18:55to not buy a football.
0:18:55 > 0:18:57Yeah, I think enough's enough.
0:18:58 > 0:19:00No more buying, you, Mrs!
0:19:00 > 0:19:02THEY LAUGH
0:19:03 > 0:19:06Well put, Gracie, and to help mum stifle her spending,
0:19:06 > 0:19:10we've swapped her virtual money for hard cash.
0:19:10 > 0:19:11"You will no longer receive
0:19:11 > 0:19:14"your £200 monthly allowance to your bank."
0:19:14 > 0:19:17Hopefully physically seeing the £200
0:19:17 > 0:19:20will make Kerry consider money more carefully.
0:19:20 > 0:19:23And it's going to be so obvious if I've took one.
0:19:23 > 0:19:25Because for this family to really save big,
0:19:25 > 0:19:30Kerry's nightly click-click-clicks need to stop.
0:19:30 > 0:19:32Oh, my life, I won't even be able to use that.
0:19:32 > 0:19:34You're kidding me, aren't you?
0:19:34 > 0:19:36That's brilliant, that is.
0:19:36 > 0:19:38- That's not brilliant at all!- It is.
0:19:38 > 0:19:39Gracie, shall we swap?
0:19:39 > 0:19:41- WHISPERS:- I'll have your phone.
0:19:41 > 0:19:43I don't think that's going to happen, Mum.
0:19:43 > 0:19:46There's no internet linked to the phone at all.
0:19:46 > 0:19:49It's terrible. Terrible. I'm going to hate it.
0:19:49 > 0:19:52Let the swap experiment commence.
0:19:55 > 0:19:59It's morning, and we're hoping to show our refurb fanatics
0:19:59 > 0:20:01wiser ways to spend their cash.
0:20:01 > 0:20:03These feel ever so much squashier.
0:20:03 > 0:20:06The Murphys love revamping their lounge
0:20:06 > 0:20:08and that nearly always includes a sofa.
0:20:08 > 0:20:11I reckon this is probably the same price as ours.
0:20:11 > 0:20:13- I reckon it's a bit cheaper.- Do you?
0:20:13 > 0:20:17Jason and Kerry paid over 1,800 for a corner sofa
0:20:17 > 0:20:19which they then split in two.
0:20:19 > 0:20:22- Because I've got a feeling the corner one...- Is dearer?- Is dearer.
0:20:22 > 0:20:24Which we don't use as a corner suite.
0:20:26 > 0:20:30The separate sofas we've given them cost less than £470 -
0:20:30 > 0:20:34a saving of over £1,300.
0:20:34 > 0:20:37- I think it's a swap.- Yeah, I think I'd swap it.- I'd keep this one.
0:20:37 > 0:20:39- I think it looks better. - It looks nicer than ours.
0:20:39 > 0:20:43The only thing I will miss about it is I don't have my pouffe thing.
0:20:43 > 0:20:45I'd have to do this instead now, look.
0:20:45 > 0:20:48But there's no time for putting your feet up, Kerry.
0:20:48 > 0:20:50I want your verdict on the curtains.
0:20:52 > 0:20:54- Well, I like them.- Why?
0:20:54 > 0:20:55They're nice.
0:20:55 > 0:20:58- They're just stiff and horrible. - No, they're not, they're nice.
0:20:58 > 0:21:00- I like the colour. - Clearly out of a packet.
0:21:00 > 0:21:02When Kerry refurbed this room,
0:21:02 > 0:21:07she opted for made-to-measure curtains at a cost of £120.
0:21:07 > 0:21:11Our ready-made alternatives cost less than 55.
0:21:11 > 0:21:13So, would you say these are cheaper?
0:21:13 > 0:21:15- Yeah!- Yeah, but they look nice.
0:21:15 > 0:21:18- No, they don't.- They do! - No, no.- I'd buy them.
0:21:18 > 0:21:21Well, you can go and live with them in another flat on your own.
0:21:23 > 0:21:26Kerry's not the only one passionate about her decor.
0:21:27 > 0:21:30In a lifetime, the average Brit blows
0:21:30 > 0:21:34over £36,000 revamping their home.
0:21:34 > 0:21:38But could we all be rolling back the cost of our paint jobs?
0:21:38 > 0:21:41Jason's going to test five rollers to find out.
0:21:41 > 0:21:43So, how often are you buying rollers?
0:21:43 > 0:21:46Every time, you know, we buy a pot of paint, I buy a new roller.
0:21:46 > 0:21:49What type of price would you say you normally pay for them?
0:21:49 > 0:21:50Probably a fiver.
0:21:50 > 0:21:55'The five here range from a couple of quid to just under a tenner.
0:21:55 > 0:21:58'But which roller will Jason think is the best?'
0:21:58 > 0:22:00- I like that one. - What's caught your eye about that?
0:22:00 > 0:22:03It's the lines on it. Just looks like it's going to paint better.
0:22:03 > 0:22:06Seriously? Is that what you're judging it on?
0:22:06 > 0:22:09'Well, the first roller Jason's trialling is stripe-free
0:22:09 > 0:22:12'and it's the second-priciest.'
0:22:12 > 0:22:13What do you think of it?
0:22:13 > 0:22:17- Looks a bit 1960s.- It does, doesn't it?- The old wood effect.
0:22:17 > 0:22:19'Each roller gets just one coat of paint.'
0:22:21 > 0:22:22Covers it quite nice.
0:22:22 > 0:22:27'And Jason is judging each on their handling, coverage and finish.'
0:22:27 > 0:22:30I mean, that looks quite nice. How do you feel about it?
0:22:30 > 0:22:32I don't like it. Too heavy.
0:22:32 > 0:22:36'Next, a value roller, and the lowest-priced in the paint-off.'
0:22:36 > 0:22:38Cheap.
0:22:38 > 0:22:39- I can lift it easier.- Yeah.
0:22:39 > 0:22:41It's covering it, though.
0:22:41 > 0:22:44- It is.- Like, it's going further than the other one did.
0:22:44 > 0:22:47'Now a roller in Jason's usual ballpark price.'
0:22:49 > 0:22:50It don't turn, look.
0:22:52 > 0:22:53Oh, look at that.
0:22:53 > 0:22:55Just scrapes it on.
0:22:55 > 0:22:56That texture looks lovely, though.
0:22:56 > 0:22:58Yeah, it's smooth.
0:22:59 > 0:23:02'Next is by a leading brand, the most expensive,
0:23:02 > 0:23:04'and it comes with stripes.'
0:23:05 > 0:23:07Now, that's a roller, that is!
0:23:07 > 0:23:10- I will have to admit, it's not painting...- As well as you thought?
0:23:10 > 0:23:11As well as I thought it would.
0:23:11 > 0:23:13It's actually run out now.
0:23:14 > 0:23:16'The last roller is by a big brand
0:23:16 > 0:23:19'and is the mid-priced roller in the contest.'
0:23:20 > 0:23:22Two stripes, though, on this one.
0:23:22 > 0:23:24That feels better than the rest of them.
0:23:24 > 0:23:26I reckon this is the pricey one.
0:23:26 > 0:23:29- And you think it's, what, because of the stripes?- Yeah.
0:23:29 > 0:23:30This has got two stripes.
0:23:31 > 0:23:33- Looking at all of them now...- Yeah?
0:23:33 > 0:23:36Which one do you think has done the best job?
0:23:36 > 0:23:38I'll have to say this one.
0:23:38 > 0:23:40Painted more.
0:23:40 > 0:23:44- This is a Harris roller and it cost £7.- Right.
0:23:44 > 0:23:46Would you class that as expensive?
0:23:46 > 0:23:48Yeah, because I'd normally say a fiver.
0:23:48 > 0:23:50'So maybe his runner-up is the roller for him.'
0:23:50 > 0:23:52The roller you gave second place to
0:23:52 > 0:23:54- was our little friend over there.- Yeah.
0:23:54 > 0:23:58So, that is a Homebase Value Roller Kit. £2.50.
0:23:58 > 0:24:01Even though £2.50, done a good job, still.
0:24:01 > 0:24:03- If it's done a good job, happy days!- Yeah.
0:24:03 > 0:24:05Come on, let's roll on out of here.
0:24:05 > 0:24:08Whilst Steph's busy at the house...
0:24:08 > 0:24:12I'm off to investigate the other roll costing the Murphys a fortune.
0:24:12 > 0:24:16- Yeah, they're like £15. - They're not! For bin bags?
0:24:16 > 0:24:19But how much should we be paying to rid our rubbish
0:24:19 > 0:24:22and what do we get for our money?
0:24:22 > 0:24:24I've decided to find out.
0:24:24 > 0:24:26Now, we've all been there, haven't we?
0:24:26 > 0:24:29Monday morning, wrestling to get the bin bag out of the bin
0:24:29 > 0:24:34and then suddenly it rips and the contents is just all over you.
0:24:34 > 0:24:35So what can we do to ensure
0:24:35 > 0:24:38that we get a bin bag that just simply does the job?
0:24:41 > 0:24:44I've come to the largest bin bag factory in the UK,
0:24:44 > 0:24:47which produces 600 million bags a year,
0:24:47 > 0:24:51to ask their sales director, Lorcan Mekitarian.
0:24:52 > 0:24:56Most consumers, like myself, go into the supermarket,
0:24:56 > 0:24:58we feel a bit of the roll.
0:24:58 > 0:25:01Are we going to get a good bin bag by doing that?
0:25:01 > 0:25:03Just because the bag is thick doesn't always mean
0:25:03 > 0:25:05that it's good quality.
0:25:05 > 0:25:08- Really? - I can demonstrate a thick bag here.
0:25:08 > 0:25:11- Do you think that would be a good quality bag?- Oh, this...
0:25:11 > 0:25:14- I would be pleased with this bag. - You would be over the moon with this product.
0:25:14 > 0:25:17I would think, "This is going to sort out my bin bag problems."
0:25:17 > 0:25:18This bag is, in fact, brittle.
0:25:19 > 0:25:22Thick bag doesn't necessarily mean it will carry anything.
0:25:22 > 0:25:26You're blowing my mind now, Lorcan, because if it's not thickness,
0:25:26 > 0:25:30is there any way of knowing what would make a good bin bag?
0:25:30 > 0:25:32Well, a good bin bag has to be stretchy.
0:25:32 > 0:25:36It will stretch and stretch and stretch, so stretchy bags are good.
0:25:36 > 0:25:39'Problem is, we can't walk into our local supermarket and start
0:25:39 > 0:25:41'manhandling the merchandise.'
0:25:41 > 0:25:44So, what is the test that you can do, then?
0:25:44 > 0:25:46- There is a nose test.- Oh, go on.
0:25:46 > 0:25:49- If you pick up a roll...- What? - ..and it smells of the farm,
0:25:49 > 0:25:52- that's a clue you then might be onto something good.- Ooh!
0:25:52 > 0:25:55- Let me compare. - That's a kind of burnty...
0:25:55 > 0:25:58- That's a burnt plastic, so we don't want that.- No, you want...
0:25:58 > 0:26:01- That's definitely got a bit of a field about it.- Yeah.
0:26:02 > 0:26:07Turns out the black bin bags here are made from recycled polythene,
0:26:07 > 0:26:10some of which comes from industrial sources like pallet wrapping
0:26:10 > 0:26:14and others are old silage bale wrap from farms.
0:26:14 > 0:26:16If you start off with a good raw material,
0:26:16 > 0:26:17you end up with a good bin bag.
0:26:17 > 0:26:21So you've got your polythene... What happens next, then?
0:26:21 > 0:26:23We've got to clean it and grind it
0:26:23 > 0:26:25because it's going to have contaminants on it,
0:26:25 > 0:26:28and those contaminants will vary from paper labels if it comes from
0:26:28 > 0:26:33an industrial source, or it's soil and straw if it comes from the farm.
0:26:34 > 0:26:37Once washed and ground, the polythene is then fed into
0:26:37 > 0:26:40a big, heated barrel, which melts it
0:26:40 > 0:26:42at 200 degrees to form pellets.
0:26:42 > 0:26:46These pellets are then blown and re-melted into this giant bubble
0:26:46 > 0:26:49which turns them into bin bags.
0:26:49 > 0:26:51The more farm polythene used, the stronger the bag,
0:26:51 > 0:26:54but does that make them more expensive?
0:26:55 > 0:26:59Where should we be looking in the region of
0:26:59 > 0:27:01to get a decent quality bin bag?
0:27:01 > 0:27:03You need to be in the premium section.
0:27:04 > 0:27:09And these typically retail for £2.99, £3 a roll for 20 sacks.
0:27:09 > 0:27:13If it's a roll of 80 for £1.99,
0:27:13 > 0:27:16you can deduce from that where you're going to be on quality.
0:27:18 > 0:27:20'But is it really worth paying the extra?
0:27:20 > 0:27:25'Lorcan's sent me to the test lab to see just how much more a premium bag
0:27:25 > 0:27:27'can take over an economy one.'
0:27:27 > 0:27:29So, let's start with the economy.
0:27:29 > 0:27:32Place it over the vacuum.
0:27:32 > 0:27:33Three, two, one...
0:27:34 > 0:27:36Straight through.
0:27:36 > 0:27:38- I mean, a heavy apple on that bag would be doomed.- Exactly.
0:27:40 > 0:27:42'So, how will the premium perform?'
0:27:42 > 0:27:45I've got the same weight as before. This is the 70 gram.
0:27:45 > 0:27:47Three, two, one...
0:27:48 > 0:27:51And obviously it's bounced straight off the bag.
0:27:51 > 0:27:54You can't see any little holes, it's not split through the bag.
0:27:54 > 0:27:57'Now, that's the bin bag I've been looking for.'
0:27:57 > 0:28:01- So, you do get what you pay for. - Yes, definitely, you do.
0:28:04 > 0:28:05Well, it seems to me that
0:28:05 > 0:28:09bin bags is the one area where you can't scrimp.
0:28:09 > 0:28:11Give it a bit of a smell and see how stretchy it is,
0:28:11 > 0:28:14and if you find one you like, just stick to it.
0:28:16 > 0:28:17Back in Walsall...
0:28:17 > 0:28:19These are the bin bags.
0:28:20 > 0:28:21..we've given the Murphys
0:28:21 > 0:28:23supermarket own-brand black bin liners
0:28:23 > 0:28:26costing £2.70 for a pack of 20.
0:28:26 > 0:28:28Our normal bin bags,
0:28:28 > 0:28:31we have to have two because both bins every day are changed.
0:28:31 > 0:28:33Buying these instead of their branded beanbags would
0:28:33 > 0:28:36save the Murphys over £50 a year.
0:28:36 > 0:28:38With the recycling, you can just empty that straight in.
0:28:38 > 0:28:40So I won't need a bag.
0:28:40 > 0:28:41Good idea, Jason.
0:28:41 > 0:28:46Using fewer bags would save you even more for that family Florida fund.
0:28:46 > 0:28:48And if they'd bought these bins
0:28:48 > 0:28:50instead of the dual-compartment branded bin -
0:28:50 > 0:28:53well, they'd have saved over £110.
0:28:53 > 0:28:57They just look shocking. So they're a swap and those are a no-swap.
0:28:57 > 0:29:00Plastic, white, don't match...
0:29:02 > 0:29:05And this couple do like everything to match, which means
0:29:05 > 0:29:09new furnishings and accessories each time they decorate.
0:29:09 > 0:29:11But we want to show them
0:29:11 > 0:29:14they don't have to change everything every time.
0:29:14 > 0:29:16I mean, they feel nice.
0:29:16 > 0:29:19The price is nice too - from a high-street catalogue shop,
0:29:19 > 0:29:23they're 40 quid cheaper than their purple branded ones.
0:29:23 > 0:29:26- I think these are more expensive than our ones.- Do you?- Yeah.
0:29:26 > 0:29:28The utensils have fooled them.
0:29:28 > 0:29:30Let's try the beans in there.
0:29:30 > 0:29:34But will they realise we've gone back to basics on the microwave?
0:29:34 > 0:29:36The other one we had had a grill and an oven on it,
0:29:36 > 0:29:38which we don't really use.
0:29:38 > 0:29:41We've never used. I don't even know how to do it.
0:29:41 > 0:29:45Exactly. This is why we've given you this simpler microwave,
0:29:45 > 0:29:4690 quid cheaper.
0:29:46 > 0:29:48MICROWAVE PINGS
0:29:48 > 0:29:51See, they're perfect for your beans on toast.
0:29:51 > 0:29:53And today's toast will be done
0:29:53 > 0:29:57in an un-branded, silver, non-purple appliance.
0:29:57 > 0:29:59I do like the colour. Stainless.
0:29:59 > 0:30:02When you decide to change the colour of the walls,
0:30:02 > 0:30:04we haven't got to change all these.
0:30:04 > 0:30:06- No.- Because they will match.
0:30:06 > 0:30:09Spot on! And to top it off, it's £22 cheaper too
0:30:09 > 0:30:12and a supermarket own brand.
0:30:12 > 0:30:13Perfect.
0:30:13 > 0:30:15SHE LAUGHS
0:30:16 > 0:30:20Like the Murphys, us Brits are partial to a slice of toast.
0:30:20 > 0:30:25In fact, around 50% of us choose toast over any other breakfast.
0:30:25 > 0:30:27And as it's the most important meal of the day,
0:30:27 > 0:30:31we need to make sure the toaster we buy is up to the job.
0:30:31 > 0:30:34So we've come to a watersport charity in the South-West
0:30:34 > 0:30:38to ask its members to put five to the test.
0:30:38 > 0:30:40Not so bothered about the style of the toaster
0:30:40 > 0:30:42as long as it makes good toast.
0:30:42 > 0:30:45I like slightly golden brown but not, like, burnt or anything.
0:30:45 > 0:30:48Hoping to be top of the pops are...
0:30:48 > 0:30:50a budget toaster by Cookworks,
0:30:50 > 0:30:54a mid-priced bestseller by Russell Hobbs,
0:30:54 > 0:30:57big brand Bosch, the second-priciest,
0:30:57 > 0:31:01mid-range-brand Breville, the second-cheapest,
0:31:01 > 0:31:04and finally, a top-end luxury toaster by Dualit.
0:31:06 > 0:31:09First, our testers are judging them on looks.
0:31:10 > 0:31:12I think it looks cheap and plasticky.
0:31:12 > 0:31:15It's got more features on that one.
0:31:16 > 0:31:18I think that's my favourite one.
0:31:18 > 0:31:21- That looks like the mother of toasters.- Yeah!
0:31:23 > 0:31:25Now it's time to taste the toast.
0:31:26 > 0:31:28Crunchy on one side but soft on the other.
0:31:28 > 0:31:30Down here, it's just completely burnt,
0:31:30 > 0:31:31so that's not an even toaster, really.
0:31:31 > 0:31:34- That's quite good, actually.- It does have a lot of crunch, though.
0:31:34 > 0:31:38- This is good.- Yeah, I think that's a reasonable toast.- I like the look.
0:31:38 > 0:31:40It was even toasting.
0:31:41 > 0:31:44After the tasting and rating the design of toasters,
0:31:44 > 0:31:48it's time to find out which the testers think is the best.
0:31:48 > 0:31:51- Whoa!- Hey!- It's the Bosch.
0:31:51 > 0:31:53- The winner? Is that the winner? - That's the winner.
0:31:53 > 0:31:55- Oh!- Yeah, that is the winner.
0:31:55 > 0:31:56The mid-priced toaster
0:31:56 > 0:31:58came out on top
0:31:58 > 0:31:59with the budget buys
0:31:59 > 0:32:01at the bottom of the table.
0:32:01 > 0:32:06- To make toast, for the price, you'd go for this one. Yeah?- Definitely.
0:32:10 > 0:32:12Back in the West Midlands...
0:32:12 > 0:32:14Oh, how many buttons have you got to press just to send a message?
0:32:14 > 0:32:16It would be quicker to phone you.
0:32:16 > 0:32:19As well as swapping one-click shopper Kerry's smartphone
0:32:19 > 0:32:21for a basic mobile,
0:32:21 > 0:32:24we've also replaced the £200 spending money
0:32:24 > 0:32:28that goes into her bank account for cold, hard cash.
0:32:28 > 0:32:30Now, if she wants to shop,
0:32:30 > 0:32:33she'll have to physically go out and spend it.
0:32:33 > 0:32:34How have you been doing?
0:32:34 > 0:32:37Well, there are four notes in there.
0:32:37 > 0:32:39I think I've done really well.
0:32:39 > 0:32:43Was it hard just to look at the money and...
0:32:43 > 0:32:46and say to yourself, "I'm not going to spend it"?
0:32:46 > 0:32:49No, it was hard because I like to spend.
0:32:49 > 0:32:51You certainly do.
0:32:51 > 0:32:54Kerry usually keeps busy with one-click shopping,
0:32:54 > 0:32:58but today we're keeping her busy in other ways.
0:32:58 > 0:33:00Oh, wow, that's really nice.
0:33:00 > 0:33:02Really nice pages as well.
0:33:02 > 0:33:06We've replaced Kerry's 22 unused colouring books
0:33:06 > 0:33:08for one artist pad.
0:33:08 > 0:33:11I'm going to have a go at doing a cheetah.
0:33:11 > 0:33:13This pad was just under £13.
0:33:13 > 0:33:18The colouring book collection Kerry bought online cost nearly 160 quid.
0:33:18 > 0:33:21That 160 quid could have been saved, couldn't it?
0:33:21 > 0:33:23And I could have just bought a sketch pad.
0:33:23 > 0:33:25But this is where I don't think properly
0:33:25 > 0:33:27and I don't think about what I'm doing,
0:33:27 > 0:33:29so hopefully, you know,
0:33:29 > 0:33:31I'll learn to think a bit better.
0:33:31 > 0:33:32Oh, brilliant news.
0:33:32 > 0:33:35I definitely think this is a swap.
0:33:35 > 0:33:37I'm already enjoying doing this.
0:33:39 > 0:33:42Shopping online wasn't just a convenience for Kerry -
0:33:42 > 0:33:44it had become an expensive habit.
0:33:46 > 0:33:48And to show us just how easily we could all fall into
0:33:48 > 0:33:53the one-click trap is consumer expert Avi Shankar.
0:33:53 > 0:33:55I don't know about you two, but I increasingly
0:33:55 > 0:33:58am spending more and more of my money online. What about you?
0:33:58 > 0:34:01I... I buy a lot of stuff online. It's convenience, for me.
0:34:01 > 0:34:04- Too much, some would say.- Yeah. No!
0:34:04 > 0:34:08You pick up your phone, you store all your credit card details,
0:34:08 > 0:34:11your delivery address details, and basically what it does is
0:34:11 > 0:34:15it shortens the time between you making the decision to buy it
0:34:15 > 0:34:16and paying for it.
0:34:16 > 0:34:20- Right.- Means it's just seconds. - Yeah.- Dangerous.
0:34:20 > 0:34:22And retailers know that.
0:34:22 > 0:34:24The shorter they make that time,
0:34:24 > 0:34:27the more likely you are to make an impulse purchase.
0:34:28 > 0:34:32'Avi's shown us how some brands are reducing this time even more.'
0:34:32 > 0:34:36So, to make one-click shopping even quicker without the use of
0:34:36 > 0:34:39a mobile phone, we have these.
0:34:39 > 0:34:41They're called dash buttons.
0:34:41 > 0:34:42What is it? Is it...
0:34:42 > 0:34:44So Play-Doh, is this a direct line?
0:34:44 > 0:34:47Yeah, you've just ordered a job lot of Play-Doh
0:34:47 > 0:34:48to be delivered to your house.
0:34:48 > 0:34:50That is bizarre.
0:34:50 > 0:34:53Well, look, let's imagine this one, OK?
0:34:53 > 0:34:55Where do you think you might place that in the home?
0:34:55 > 0:34:57- Oh, next to the loo. - Next to the loo,
0:34:57 > 0:34:58so, when you run out of toilet paper,
0:34:58 > 0:35:02- all you have to do is press that button and...- No!
0:35:02 > 0:35:06..a delivery of toilet paper will arrive at your home the next day.
0:35:06 > 0:35:08- Free?- Not while you're sat on the loo, then?- No!
0:35:08 > 0:35:13What they're trying to do is to ram home the convenience for consumers.
0:35:13 > 0:35:15And you're locked into their brands as well, aren't you?
0:35:15 > 0:35:19Because once you have one of these, you're going to constantly
0:35:19 > 0:35:22keep buying from that brand and that might not be the cheapest.
0:35:22 > 0:35:23No, no. Of course.
0:35:23 > 0:35:25Convenience does come at a cost.
0:35:25 > 0:35:27'It most certainly does.'
0:35:29 > 0:35:32And for the Murphys, their one-clicks and decorating
0:35:32 > 0:35:35is costing them their holiday to Florida.
0:35:35 > 0:35:37So we've come up with an idea.
0:35:38 > 0:35:40Hi! Come in, girls.
0:35:40 > 0:35:43Because we've noticed matching interiors isn't
0:35:43 > 0:35:45creative Kerry's only talent.
0:35:45 > 0:35:50I did photography and qualified with a photography course
0:35:50 > 0:35:53and certificate under my belt and just didn't do anything with it.
0:35:53 > 0:35:56Well, we think it's about time she did.
0:35:56 > 0:35:57That's perfect.
0:35:57 > 0:35:58One, two, three...
0:35:58 > 0:36:00CAMERA CLICKS
0:36:00 > 0:36:02So, we've arranged a photography session with Kerry
0:36:02 > 0:36:04and her friend's daughters.
0:36:04 > 0:36:06You're doing very good posing, girls.
0:36:06 > 0:36:08Doing this in her spare time...
0:36:08 > 0:36:10Nice big smile. One, two, three!
0:36:10 > 0:36:13..means she's fuelling her creativity for free,
0:36:13 > 0:36:15and not online shopping.
0:36:16 > 0:36:18Look at your sister, Laurie.
0:36:18 > 0:36:20So what does she think?
0:36:20 > 0:36:22I've never actually taken photos of anybody else's kids.
0:36:22 > 0:36:25I just always have my own. It was really good. I enjoyed it.
0:36:27 > 0:36:29Time to strike whilst the iron's hot,
0:36:29 > 0:36:33so I'm back to ask Kerry to commit to some big changes.
0:36:35 > 0:36:39Where do you think this spending habit came from?
0:36:39 > 0:36:43Money's always burnt a hole in my pocket. I've never been a saver.
0:36:43 > 0:36:47So would you consider deleting the shopping apps off the phone?
0:36:47 > 0:36:50- Because that is your downfall, isn't it?- Yeah, it is,
0:36:50 > 0:36:53because if they're not on there, then I'm not going to pick it up, am I?
0:36:53 > 0:36:55I think we need to do this now.
0:36:55 > 0:36:58- So we've got the phone here.- Yeah.
0:36:58 > 0:37:02'Around a third of online shopping sales in the UK are now done
0:37:02 > 0:37:04'via smartphones and tablets.'
0:37:04 > 0:37:05I've got three shopping apps.
0:37:07 > 0:37:09'Accessible 24/7, the convenience is great.'
0:37:10 > 0:37:13So, we're holding down and we're uninstalling.
0:37:13 > 0:37:16'But it does mean we could end up doing a Kerry
0:37:16 > 0:37:18'and buying things we just don't need.'
0:37:19 > 0:37:22Gone. There's one commitment done.
0:37:22 > 0:37:24'But I'm not done.
0:37:24 > 0:37:27'I've had two of the pictures Kerry took of her friend's children
0:37:27 > 0:37:29'put on canvas.'
0:37:29 > 0:37:31That is lovely, isn't it?
0:37:31 > 0:37:32- And then...- Did I take that?
0:37:32 > 0:37:34Yes, you did!
0:37:34 > 0:37:38You're one of the most creative women I've come across, you know?
0:37:38 > 0:37:40Everything we talk about, you're like,
0:37:40 > 0:37:43"Oh, and then we changed the paint there because I love this colour."
0:37:43 > 0:37:45And then, "Oh, see those photos? I took those pictures."
0:37:45 > 0:37:47- Yeah.- You know, you've got so much to offer.
0:37:47 > 0:37:50You could be doing so much more with your time, couldn't you?
0:37:50 > 0:37:53- Yeah, I could.- Have you thought about doing photography
0:37:53 > 0:37:54in a more professional capacity?
0:37:54 > 0:37:57- That was the intention when I did the course.- And you know what?
0:37:57 > 0:37:59By doing photography, by selling the stuff,
0:37:59 > 0:38:01by getting a grip on things...
0:38:01 > 0:38:04Yeah, I might get more excited about seeing the money roll in
0:38:04 > 0:38:05rather than roll out.
0:38:05 > 0:38:07Exactly. And what will it do for your confidence?
0:38:07 > 0:38:09Lots, actually.
0:38:09 > 0:38:12- Lecture over.- Thanks! - Let's have a cup of tea.
0:38:14 > 0:38:17It was really good to see her so passionate about the photography.
0:38:17 > 0:38:21I think that is an area now that she will really take seriously
0:38:21 > 0:38:23and, of course, she has deleted the shopping apps,
0:38:23 > 0:38:26so she's definitely moving in the right direction.
0:38:28 > 0:38:32With Alex taking care of Kerry's one-clicks, it's my turn to help
0:38:32 > 0:38:38the family maximise every penny they put by for that holiday to Florida.
0:38:38 > 0:38:41So I've decided to call a money meeting with the saver
0:38:41 > 0:38:43in the family, 11-year-old Sophie.
0:38:44 > 0:38:47Now, when me and Alex first came into the house,
0:38:47 > 0:38:50the one thing that stood out more than anything is
0:38:50 > 0:38:52Sophie is the sensible one when it comes to money.
0:38:52 > 0:38:55- Have we got that right? - Yeah.- Yeah.- Yeah.
0:38:55 > 0:38:57So when we were looking round the house,
0:38:57 > 0:39:00we did find your little plastic box.
0:39:00 > 0:39:03I'm dead sorry, we opened it!
0:39:03 > 0:39:05Because we're nosy!
0:39:05 > 0:39:06Do you want to show us what's in it?
0:39:08 > 0:39:12Inside is not much. It's £40.
0:39:12 > 0:39:15That's a good start. £40 is still a lot of money.
0:39:15 > 0:39:18So do you like saving money, then?
0:39:18 > 0:39:21Yeah, I do like saving money because I like counting the money
0:39:21 > 0:39:25and then I put it all in the pot and I'm all proud of myself.
0:39:25 > 0:39:29'But I've got an idea which I think will make Sophie even prouder -
0:39:29 > 0:39:31'by making money on her money.'
0:39:31 > 0:39:35What I want to talk to you about is savings accounts in banks.
0:39:35 > 0:39:37So do you know what they are?
0:39:37 > 0:39:38- I've heard of them.- Yeah, Dad?
0:39:38 > 0:39:41- We've got some, but they ain't got a lot in.- Yeah.
0:39:41 > 0:39:45Right, so, when you put money into a savings account in the bank,
0:39:45 > 0:39:47you're essentially giving the bank a loan.
0:39:47 > 0:39:49So you're saying to them,
0:39:49 > 0:39:51"I'm going to give you this money to do what you like with,
0:39:51 > 0:39:56"but I want my money back one day and I want a bit extra as payment."
0:39:56 > 0:39:59And that extra payment they're giving you is called interest.
0:39:59 > 0:40:00- Right. - So what you want to do is,
0:40:00 > 0:40:04you want to look for a bank account that has a good interest rate.
0:40:04 > 0:40:09'The best rate we could find on children's savings was around 4%,
0:40:09 > 0:40:11'so I'm going to use that as my example.'
0:40:12 > 0:40:16So let's say if you put a pound into the savings account for a year,
0:40:16 > 0:40:20at the end of the year, they will give you that pound back
0:40:20 > 0:40:24plus an extra 4p. That is the interest.
0:40:24 > 0:40:30'The most the family have ever saved in their Florida fund box is £340.'
0:40:30 > 0:40:34So let us imagine you still have that £340.
0:40:34 > 0:40:37So, here we go.
0:40:37 > 0:40:39It's loads, isn't it?
0:40:39 > 0:40:42'But in a bank earning 4%, it could have been even more.'
0:40:43 > 0:40:47'And my little piggy's going to show Sophie just how much.'
0:40:47 > 0:40:48So how much is there?
0:40:48 > 0:40:52- £13.60.- Is that more or less than you imagined?
0:40:52 > 0:40:54A lot more than I imagined.
0:40:54 > 0:40:58So we're definitely going to sort you out with a bank account, then?
0:40:58 > 0:41:01- Yeah.- Hurrah! You're dead proud of her, aren't you?
0:41:01 > 0:41:03I am, I am dead proud of her, yeah.
0:41:03 > 0:41:07What's so great about this family is that they have Sophie.
0:41:07 > 0:41:09She is a little legend, isn't she?
0:41:09 > 0:41:12And I think by being able to help her with her savings
0:41:12 > 0:41:14so she can see she can earn money from it
0:41:14 > 0:41:15and it's kind of locked away
0:41:15 > 0:41:18is really great for all the family because it's a real step for them
0:41:18 > 0:41:20to get that dream holiday.
0:41:22 > 0:41:24- So, are you excited for movie night? - Yeah!
0:41:25 > 0:41:27'Throughout our money-saving experiment,
0:41:27 > 0:41:31'the Murphys have been trying out a whole host of swaps.'
0:41:31 > 0:41:34- We haven't watched this one yet, have we?- No.- No!
0:41:34 > 0:41:36Shall I put it in the DVD?
0:41:36 > 0:41:40'Usually, they buy a new-release DVD every week
0:41:40 > 0:41:44'for their Friday film night, costing them £44 a month.
0:41:44 > 0:41:48'But we found a rental package that's just £11.99 a month,
0:41:48 > 0:41:51'a saving of nearly £400 a year,
0:41:51 > 0:41:55'plus they can hire two at a time as many times as they like.'
0:41:55 > 0:41:57I really like the idea, actually.
0:41:57 > 0:42:00Just a better, better way of doing movie night.
0:42:00 > 0:42:04We've not just tackled the family's big spends, though.
0:42:07 > 0:42:08To save money...
0:42:08 > 0:42:11What do you think, Esmae? Do you like them?
0:42:11 > 0:42:12Yes.
0:42:12 > 0:42:15..we've swapped their day-to-day products too.
0:42:15 > 0:42:18If this is not a branded one, it would leave...
0:42:20 > 0:42:21It dries and leaves, like, a smear.
0:42:21 > 0:42:26Because little changes can mount up to massive savings.
0:42:26 > 0:42:28The Murphys usually buy a leading brand,
0:42:28 > 0:42:33but at 90p, this supermarket own brand is £1.60 cheaper.
0:42:33 > 0:42:35No smear.
0:42:35 > 0:42:38A saving of over £75 a year.
0:42:38 > 0:42:40I reckon that's the same stuff.
0:42:40 > 0:42:42They've just disguised it in a bottle.
0:42:42 > 0:42:46And Jason thought we'd done the same with his big-brand body wash.
0:42:46 > 0:42:48Smells the same.
0:42:48 > 0:42:51Feels the same, so I think it's the same one.
0:42:51 > 0:42:54But it's a budget supermarket own brand,
0:42:54 > 0:42:57over 50% cheaper, at 65p a bottle.
0:42:57 > 0:42:59Shaving foam.
0:42:59 > 0:43:02Now, I'm definitely going to know if this is a non-branded one.
0:43:02 > 0:43:04Are you sure?
0:43:04 > 0:43:07Looks the same, feels the same, froths up the same.
0:43:07 > 0:43:09Except it's not the same.
0:43:09 > 0:43:11Again, from a budget supermarket,
0:43:11 > 0:43:15it costs £2.30 less than his usual big-brand foam,
0:43:15 > 0:43:17and would save over £50 a year.
0:43:17 > 0:43:20I definitely think this is 100% mine.
0:43:20 > 0:43:24So, Jason's on board with our big-brand swaps,
0:43:24 > 0:43:26but how are the girls getting on?
0:43:26 > 0:43:30All the ingredients is ready for our smoothie.
0:43:30 > 0:43:33We've swapped the Murphys' market-leader blender
0:43:33 > 0:43:35for a cheaper brand.
0:43:35 > 0:43:37To me, that's took ages.
0:43:37 > 0:43:41Theirs cost 80 quid. Our alternative was less than £35.
0:43:41 > 0:43:42Ooh!
0:43:43 > 0:43:47Can't have a random raspberry in my smoothie. I could choke!
0:43:47 > 0:43:50After a second blast, has it done the job?
0:43:51 > 0:43:53It's nice.
0:43:53 > 0:43:54So is it a swap?
0:43:54 > 0:43:57Is it as good as my old product? Verdict after three?
0:43:57 > 0:43:59- One, two, three.- No.
0:43:59 > 0:44:01So... Yeah!
0:44:02 > 0:44:04I think yeah.
0:44:04 > 0:44:06The other one is expensive.
0:44:06 > 0:44:08Too right, Gracie.
0:44:08 > 0:44:11Kerry needs to spend less on kitchen gadgets.
0:44:12 > 0:44:16'So I've decided to take her back to basics...'
0:44:16 > 0:44:19Right, here we are, then. It's like an outdoor bakery, isn't it?
0:44:19 > 0:44:21'..with bread knives.'
0:44:21 > 0:44:25Do you often cut fresh bread or are you more of a sliced family?
0:44:25 > 0:44:28We have both, if I'm honest. We'll buy the sliced for quickness,
0:44:28 > 0:44:30but the kids love crusty bread.
0:44:30 > 0:44:32What would you look for in your dream bread knife?
0:44:32 > 0:44:34Oh, it needs to be light.
0:44:34 > 0:44:37And cut super nice and quick.
0:44:37 > 0:44:41How much would you expect to pay for a bread knife?
0:44:41 > 0:44:44About £14.99.
0:44:44 > 0:44:46Very specific, I didn't expect that.
0:44:47 > 0:44:49'According to experts,
0:44:49 > 0:44:52'an excellent bread knife is a must for all households,
0:44:52 > 0:44:55'but does the price affect the slice?'
0:44:55 > 0:44:57Grab your weapon.
0:44:57 > 0:44:59'We're testing five to find out.'
0:45:00 > 0:45:03'First up is the mid-priced knife on the table.'
0:45:03 > 0:45:05Oh, it's heavy, but I like it.
0:45:05 > 0:45:07'Each knife gets two chances to impress.
0:45:07 > 0:45:10'Round one, to cut the loaf in half.'
0:45:11 > 0:45:12Oh, very good.
0:45:12 > 0:45:14That was nice and quick, wasn't it?
0:45:14 > 0:45:16'Round two - cut a slice.'
0:45:16 > 0:45:19- That's a nice one. - That looks good, doesn't it?
0:45:19 > 0:45:21- That was all right, that was, yeah. - All right.
0:45:21 > 0:45:23'Will the next knife do as well?
0:45:23 > 0:45:25'It's got a curved edge for a cleaner cut
0:45:25 > 0:45:27'and is the second most expensive.'
0:45:28 > 0:45:31- Much lighter than the first one? - A lot lighter, yeah.
0:45:31 > 0:45:34'As well as the feel of the knife, Kerry's also judging
0:45:34 > 0:45:37'how easily they glide through the loaf.'
0:45:37 > 0:45:40- Not as good?- I had to pull the knife a lot harder and grip the bread.
0:45:40 > 0:45:42Go for a slice, then.
0:45:43 > 0:45:47- Can't do the last bit. - Yeah, you've got like a negative aura now about this knife.
0:45:47 > 0:45:49No, not a good knife.
0:45:50 > 0:45:52'Will this knife slice any better?'
0:45:54 > 0:45:58- Difficult, that was.- And you were really gripping it.- Yeah.
0:45:58 > 0:46:00And if I was going to eat a sandwich prepared by you,
0:46:00 > 0:46:03I'd rather less of a grip on the bread.
0:46:03 > 0:46:05- How was that? - Look at this.
0:46:05 > 0:46:07You've got jaggedy bits. I'm not impressed with that.
0:46:08 > 0:46:11'The next knife is award-winning.
0:46:11 > 0:46:13'And it's the priciest in our test.'
0:46:15 > 0:46:17The look of it is a bit cheaper-looking.
0:46:19 > 0:46:23- Oh, no.- Look at the pull. - Try a slice.
0:46:23 > 0:46:24How was that?
0:46:24 > 0:46:27That second slice has ranked it slightly higher, to be honest.
0:46:27 > 0:46:30That's in second place and that one top so far.
0:46:32 > 0:46:34'But will our final offering, and second-cheapest,
0:46:34 > 0:46:36'change Kerry's mind?'
0:46:36 > 0:46:38This one looks like a beast.
0:46:38 > 0:46:39Looks like a shark.
0:46:41 > 0:46:44Oh... It was good, wasn't it?
0:46:44 > 0:46:46That glided. Give us a slice.
0:46:46 > 0:46:50I like that one. It's up there with my other favourite one.
0:46:51 > 0:46:55Are you going this one or are you going this one as the top spot?
0:46:55 > 0:46:57This one, because it's lighter.
0:46:57 > 0:47:00And on looks as well? Happy with it?
0:47:00 > 0:47:03No, I prefer the look of that one, but because that one is lighter,
0:47:03 > 0:47:05- this is the knife for me. - Excellent.
0:47:07 > 0:47:08So, for Kerry,
0:47:08 > 0:47:10the knife a cut above the rest is
0:47:10 > 0:47:12the second-cheapest in our test.
0:47:12 > 0:47:14And in third place,
0:47:14 > 0:47:15the one she thought looked cheap
0:47:15 > 0:47:17was the most expensive.
0:47:18 > 0:47:22So, the knife you placed in middle position, £44!
0:47:23 > 0:47:26- No! I wouldn't pay that. - I mean, you like spending money,
0:47:26 > 0:47:28but you'd draw the line, wouldn't you?
0:47:28 > 0:47:30Yeah, because it did lines in the bread.
0:47:30 > 0:47:33- Leaving us with a clear winner. - Yeah.
0:47:33 > 0:47:37Now, this one at the end is from IKEA. £9.50.
0:47:39 > 0:47:41So the second-cheapest.
0:47:41 > 0:47:43Now, the ones in your drawer are more expensive than that.
0:47:43 > 0:47:47- Yeah, they are, yeah.- So, going forward, when they are blunt
0:47:47 > 0:47:49and you can no longer sharpen them...
0:47:49 > 0:47:51Go and get a cheaper one.
0:47:51 > 0:47:52'She's got it!'
0:47:55 > 0:47:59Up until this week, the Murphys have been spend, spend, spend.
0:47:59 > 0:48:01I never knew we had them, Chris.
0:48:01 > 0:48:05But today, it's sell, sell, sell, as they say goodbye
0:48:05 > 0:48:06to their abandoned buys.
0:48:07 > 0:48:11- £2, yeah? The books are a pound. - Never been used, that one.
0:48:11 > 0:48:1450 pence, mate. Here you go.
0:48:14 > 0:48:18Just on a few items, the Murphys have made over 40 quid.
0:48:18 > 0:48:20That's straight into the holiday pot.
0:48:20 > 0:48:22And doing this a couple of times a year
0:48:22 > 0:48:25could definitely help fuel the Florida fund.
0:48:26 > 0:48:30And it's a massive change in mind-set, especially for Mum.
0:48:30 > 0:48:32My mum's done well, because she wouldn't usually do it,
0:48:32 > 0:48:37- so it's very cool.- We've sold lots of things, haven't we?
0:48:38 > 0:48:42In fact, Kerry's done so well that, come the end of the week,
0:48:42 > 0:48:45that 200 quid is still intact.
0:48:45 > 0:48:49Really proud that you've managed to not spend any £50 notes.
0:48:49 > 0:48:51And I am. I'm really proud.
0:48:51 > 0:48:54I'm quite enjoying the fact that they're still there
0:48:54 > 0:48:56and we're managing to save.
0:48:56 > 0:48:58What a U-turn!
0:48:58 > 0:48:59- ALL:- Hurrah!
0:49:03 > 0:49:06Now the time's come for us to head back to Walsall
0:49:06 > 0:49:09to find out which swaps have got the family's thumbs-up
0:49:09 > 0:49:13to get money in the bank for that holiday to Florida.
0:49:13 > 0:49:15I'm really excited to go back and see the Murphys
0:49:15 > 0:49:17because I think they're ready to make
0:49:17 > 0:49:21- some pretty big, substantial changes.- Hm, yeah.
0:49:21 > 0:49:24Changes that hopefully will give the postie an easier life,
0:49:24 > 0:49:27because, God, he's doing deliveries there every day!
0:49:27 > 0:49:31And all of this hopefully means they'll get that dream holiday
0:49:31 > 0:49:34that the family all want and they'll be able to just
0:49:34 > 0:49:37- sort out their finances once and for all.- Yeah.
0:49:38 > 0:49:41I'm looking forward to seeing what money we can save, if we do,
0:49:41 > 0:49:43if there is some good swaps in there.
0:49:43 > 0:49:45Well, all is about to be revealed.
0:49:47 > 0:49:50How did you find the whole experience, then?
0:49:50 > 0:49:53It's been really good, we've loved it, every minute of it.
0:49:53 > 0:49:55Well, it's time to spill the beans.
0:49:55 > 0:49:58'Starting with the couple's kitchen gadgets.'
0:49:58 > 0:50:02So, we swapped the blender you had with another one.
0:50:02 > 0:50:03What did you think of it?
0:50:03 > 0:50:06Well, it left a whole raspberry.
0:50:06 > 0:50:08Not a whole raspberry!
0:50:09 > 0:50:10Oh!
0:50:10 > 0:50:13So, do you think it's a product
0:50:13 > 0:50:16- which is more expensive, cheaper or the same?- Cheaper.
0:50:16 > 0:50:21'Well, Kerry's right, it was cheaper, costing just short of £35.'
0:50:21 > 0:50:25Which, compared to your pricey blender,
0:50:25 > 0:50:31is a difference of £45.01p. Can we get over raspberrygate for £45?
0:50:31 > 0:50:32Yeah, definitely, yeah.
0:50:32 > 0:50:36'Brilliant - and the kitchen savings don't end there.
0:50:36 > 0:50:38'We de-purpled their utensils
0:50:38 > 0:50:41'with a set from a high-street catalogue shop.'
0:50:41 > 0:50:48So this utensil set is £40 cheaper than yours.
0:50:48 > 0:50:51An extra 40 quid for purple handles? Oh, my God.
0:50:51 > 0:50:55'And an extra £21.99 for their branded purple toaster.'
0:50:55 > 0:50:58And it fitted your toast in, which I was impressed about, as well.
0:50:58 > 0:51:02I've seen you cut, though, fresh bread.
0:51:02 > 0:51:03She likes a wedge, let's just say!
0:51:05 > 0:51:07Right, muscles ready.
0:51:07 > 0:51:10'And there's a decent wedge to be saved on the Murphys'
0:51:10 > 0:51:13'microwave/oven/grill, too.'
0:51:14 > 0:51:17What do you actually use a microwave for?
0:51:17 > 0:51:18Um, soup and beans.
0:51:18 > 0:51:22- So, you paid 140 quid for your microwave, didn't you?- Yeah.
0:51:24 > 0:51:26A microwave that has functions you don't need!
0:51:26 > 0:51:29It does have functions we don't need.
0:51:29 > 0:51:31How much do you think this one was?
0:51:31 > 0:51:33Um... I'd say 70.
0:51:33 > 0:51:34It was 50 quid...
0:51:36 > 0:51:37..saving you...
0:51:37 > 0:51:41- 90.- £90.
0:51:41 > 0:51:44That's loads of money. So, would you now consider buying
0:51:44 > 0:51:46other appliances that are not branded?
0:51:46 > 0:51:48- Yeah, we would.- Yeah, definitely.
0:51:48 > 0:51:51There you are. A move in the right direction!
0:51:51 > 0:51:55'But cooking gadgets weren't Kerry's only one-click weakness.
0:51:55 > 0:51:57'What about those colouring books?'
0:51:57 > 0:51:5922, we counted.
0:51:59 > 0:52:05But most of them were empty, so we swapped them for an art pad.
0:52:05 > 0:52:11Now, this is actually £5.95 more expensive than a colouring book.
0:52:11 > 0:52:15- Yeah.- However, you could buy three of these a year and you'd be done.
0:52:15 > 0:52:18- Yeah.- As opposed to all those colouring books,
0:52:18 > 0:52:22and that would be a saving of £119.
0:52:26 > 0:52:31- Wow.- So, no more colouring book obsession.- No.- OK.
0:52:31 > 0:52:33'It wasn't just colouring books
0:52:33 > 0:52:35'cluttering up the Murphys' shelves, though.
0:52:35 > 0:52:40'The family were spending £44 on new-release DVDs every month.'
0:52:40 > 0:52:45So, we joined you up to a subscription, so, how was that?
0:52:45 > 0:52:51- It was really good.- The saving would be £32.01 a month.- A month?
0:52:51 > 0:52:55- Wow.- A swap?- Yeah. - Definitely a swap.- Great.
0:52:55 > 0:52:58'Now, will Jason and Kerry think more wisely
0:52:58 > 0:53:00'next time they buy furniture?'
0:53:00 > 0:53:03I don't know how you all fit on this.
0:53:03 > 0:53:06'Because we replaced the Murphys' split-corner sofa
0:53:06 > 0:53:10'for separate three- and two-seater sofas, almost 75% cheaper.'
0:53:11 > 0:53:14I reckon this is probably the same price as ours.
0:53:14 > 0:53:17You paid over £1,800 for your sofa.
0:53:17 > 0:53:22And the ones we swapped it for was £469.
0:53:22 > 0:53:28- No way!- It's a saving of £1,380.
0:53:28 > 0:53:31I mean, what's that, in terms of your dream holiday?
0:53:31 > 0:53:33- It's a massive amount towards it, yeah.- Wow.
0:53:33 > 0:53:37'And what's the saving on those day-to-day items
0:53:37 > 0:53:40'brand-lover Jason thought we hadn't swapped?'
0:53:41 > 0:53:44I actually thought it was the same one that I normally have.
0:53:44 > 0:53:47- You did, yes.- Oh, my gosh. Swapping that one.
0:53:47 > 0:53:50'Jason thought it was his usual shower gel, too.'
0:53:50 > 0:53:52- Oh, no!- Ah!
0:53:54 > 0:53:58- And the difference in price, 75p a bottle.- 75p.
0:53:58 > 0:54:01That is a saving of £78 a year.
0:54:01 > 0:54:04- £78.- On shower gel. - Just on shower gel.
0:54:04 > 0:54:07'Add that to the shaving foam,
0:54:07 > 0:54:10'that's an annual saving of over £130.'
0:54:11 > 0:54:15'And the supermarket own-brand surface cleaner would save
0:54:15 > 0:54:17'another 77 quid a year, too.'
0:54:17 > 0:54:20- No way!- Is it their own?
0:54:20 > 0:54:23And it's a saving of £1.60 a bottle.
0:54:23 > 0:54:26- We'd definitely swap that. - Definitely swap that one.
0:54:26 > 0:54:28'Apart from a handful of items...'
0:54:28 > 0:54:30- Proper hideous.- All right.
0:54:30 > 0:54:34'..the Murphys agreed to 90% of the swaps we gave them.'
0:54:34 > 0:54:38Per packet, you would save £2.89.
0:54:38 > 0:54:43If you also used one recycling bag every week
0:54:43 > 0:54:45instead of changing it every day,
0:54:45 > 0:54:48the saving on an annual basis is about £100.
0:54:48 > 0:54:51- Just on bin bags!- So, a swap?
0:54:51 > 0:54:54- Yeah, definitely swap the bag. - Definitely.
0:54:54 > 0:54:55'But has Kerry stuck to her promise
0:54:55 > 0:54:59'and stopped her compulsive click, click, click shopping?'
0:55:00 > 0:55:03Well, we're not suggesting that you use one of these going forward,
0:55:03 > 0:55:07but we did take the shopping apps off your smartphone.
0:55:07 > 0:55:10- Are they still off? - Yes, they are still off.
0:55:10 > 0:55:14So, is the postman all upset, cos he doesn't come here any more?
0:55:14 > 0:55:15He's been made redundant!
0:55:15 > 0:55:18But have you realised that you don't need to be
0:55:18 > 0:55:22- online shopping all the time? - Yeah, definitely.
0:55:22 > 0:55:24'So, no more one-click shopping.
0:55:24 > 0:55:29'But how did she get on with the £200 in cash we gave her?'
0:55:30 > 0:55:33So, the big question is, did you spend it?
0:55:33 > 0:55:35- No.- And how did you feel?
0:55:35 > 0:55:39- It feels good now. - But, going forward,
0:55:39 > 0:55:45what if we agreed you would spend £100 per month, instead of £200?
0:55:45 > 0:55:49- We've come to even more of a compromise, haven't we?- Hey!
0:55:49 > 0:55:55- Go on.- Because I'd said, could I just have £45 out of that,
0:55:55 > 0:55:58- every two months.- That's amazing.
0:55:58 > 0:56:02The change since we first met you is huge.
0:56:02 > 0:56:04- It is.- It genuinely is. Massive.
0:56:04 > 0:56:06So, shall we talk totals, then?
0:56:07 > 0:56:10'Because, going forward, if they stick with the ideas
0:56:10 > 0:56:13'on all the swaps they've liked, we've worked out how much
0:56:13 > 0:56:16'they could save a year for their Florida fund.'
0:56:16 > 0:56:19Taking on board all of the things we've talked about
0:56:19 > 0:56:20with you as a family...
0:56:22 > 0:56:24..and the swaps we've done...
0:56:25 > 0:56:28..would save you £6,000.
0:56:28 > 0:56:31- No, no!- No!
0:56:31 > 0:56:35- That's like three-quarters of the holiday.- Yes, it is, yeah.
0:56:35 > 0:56:37Big pat on the back for the pair of you,
0:56:37 > 0:56:39you've done excellently as a family.
0:56:39 > 0:56:41I feel quite emotional.
0:56:42 > 0:56:45- £6,000.- Gosh.
0:56:45 > 0:56:48It's incredible, it's proper incredible, isn't it?
0:56:48 > 0:56:50When it comes to the end of every month, you know,
0:56:50 > 0:56:54I'd probably have money left in the bank, won't we?
0:56:54 > 0:56:56That would be a first. If we've got salary,
0:56:56 > 0:56:59our own salaries left at the end of a month,
0:56:59 > 0:57:01that would be the first time ever.
0:57:04 > 0:57:08- What a result! I am buzzing about that.- It's brilliant, isn't it?
0:57:08 > 0:57:11And as a family they've changed beyond all recognition.
0:57:11 > 0:57:13Come on, on to the next one.