Husband and I have got a few major expenses coming up in the next few months; our car is unlikely to get through it’s next MOT so we need to get serious about buying a new one, plus we have to buy our LPG in bulk because we live off the grid, so we need to do some saving. Saving money is all well and good in theory, IF you’ve got money “left over” after all of your other expenses are taken care of. We’ve had to do a bit of financial jiggling to allow ourselves a chance to save, and I thought I’d share some of our money-saving ideas with you:
Check Your Deals
Lots of us have monthly Direct Debits which go out of our account without us even thinking about it but you could be paying over the odds if you’re not on the best deals available. Speak to your mobile company, TV provider, insurance companies and utilities to make sure you’re only paying for what you use instead of frittering money away needlessly.
Get a Loan
Sometimes, it’s easier to get a loan and deal with an extra monthly payment than it is to find spare cash to save. SwiftMoney Payday loans with no credit check would allow you to buy what you need and deal with the cost later. As long as you keep up with repayments you’ll potentially even improve your personal credit.
Give Up Takeaways
Husband and I have a tendancy to be a bit lay with cooking at times and resort to takeaways a few times a month. We’d save a significant amount of money if we stuck to only using the food we bought in our weekly shop rather than supplementing with take-out food and it would probably also be healthier.
Living where we live means that we have no choice but to drive everywhere – our nearest shop is over 2 miles away! However, there probably are a few journeys I could take on foot by parking somewhere when I take Sausage to school and doing some of my errands on foot instead of driving here there and everywhere. Fuel is one of our biggest expenses, so it makes sense to see if there’s a way that we can cut this down.
Shop Somewhere Cheaper
Although I have a well-documented love affair with Aldi, I do also have a tendency to buy stuff from Waitrose because it’s the shop closest to Sausage’s school. This means that I spend well over the odds on certain things for the sake of convenience but I reckon I could save a packet if I stopped shopping in more expensive shops.
BONUS TIP: £2 Jar
The other day, I was in a shop and I heard a lady ask for her change in £2 coins. She told the cashier this is because every £2 coin she got went into a big jar and if she forced herself to save these specific coins it really helped her to save money. I’m planning to get a big jar or bottle for us to save our change into and hopefully this will give us a little stash towards the car.
Do you have any great tips for saving? Do leave me a comment below.