44 articles Articles posted in Money

Top 5 Reasons to Use Dealspotr

DealspotrWorking from home might sound like I spend my day solidly writing articles, but in fact I have a number of different ways that I monetize my time. As well as working on social media campaigns, writing for my clients, editing and sourcing posts, I also make money through various third-party sites, and Dealspotr is one of them. Dealspotr allows you to find coupon codes, as well as allowing you to add them to the site yourself, and earning you money in the process. It’s a great site for a number of reasons and I thought I’d share some of them with you here:

1. Dealspotr Saves you Money

If we’re planning to make a purchase of something, we ALWAYS check Dealspotr for a discount code, voucher or deal. I’m pretty savvy when it comes to finding vouchers for things, but somehow the listings on Dealspotr seem to have ones that even a seasoned bargain hunter like myself hasn’t found yet! Of course, there’s not a voucher for everything, but so far, we’ve saved money on everything from pizza to days out to trainers and I reckon the value of what we’ve saved is probably into the hundreds of pounds now.

2. Dealspotr MAKES you Money! 

Setting up your own Dealspotr account is a great way to make yourself some money. Once you start adding the deals you’ve spotted, once they’re verified you’ll accrue points for every single find, and eventually this will add up to vouchers. Husband and I probably spend more money on Amazon than any other shop, so these vouchers do equate to practical funds for our family.

3. It Takes Minimal Time and Effort

When you add up the actual time you spend adding deals to Dealspotr versus the return, it’s actually really good value! Just a couple of minutes a day will add up really quickly towards your points balance and the vouchers you earn are on par with, if not more than the vouchers that you’d potentially earn on other sites of this type. Most of us spend time on our mobiles, tablets or laptops doing things to help us idle away the time, like playing Candy Crush or surfing social media. Take that time and dedicate it to deal spotting and you’ll be making your free time work for you.

4. Helping Others

I don’t know about you, but I really love the warm glow you get when you think about helping others! I’ve added a lot of vouchers to Dealspotr in the time that I’ve been using it and when I think about how many other families like us who’ve saved money or potentially been more able to afford something because of vouchers I’ve found and added it really makes me feel good. Dealspotr Is like a little community where everyone’s goal is to help someone else to save money and that’s something that I absolutely love.

5. Dealspotr Saves you Time

There are a number of ways in which Dealspotr actually saves you time; first of all, it has a higher number of WORKING codes (how many times have you trawled through, added a dozen different codes to your basket before any of them actually works?!) than other voucher sites online. It also shows you a screenshot of the codes working on the sites, giving you a guarantee that the code is working. This means that not only do you save time by heading to Dealspotr rather than doing endless Googling to find a legitimate voucher code for your purchase, you’ll also save time on the Dealspotr site because you’ll know that each code is the real deal!

Are you a fan of Dealspotr? Do you regularly use the site or is this something that you’re planning to do now that you’ve read all about it? Do leave me a comment below as I’d love to hear from you.

 

Free Up Capital And Get Cash In Hand

There are times in life when you need to free up some money, fast. This could be because you have mounted up quite a few bills on your credit cards. Or, it might be that you have been made redundant and are currently struggling out of work. At points like this, you need to make sure that you get money in your hand as quickly as possible. Otherwise, you can end up in the position where your debt increases and the situation gets steadily worse. So, how do you free up some capital when you desperately need it?

Attic Hunting

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The first recommendation is that you do take a trip up into the attic or down into the basement. There you might find family heirlooms or collectibles that you have gathered together over the years. You might even find old toys that your kids have grown out of and no longer play with. You might be surprised just how much some of these are worth on eBay. Particularly if you have the whole set and they are in good condition. So, once you find a few things that you think might be worth something, do have a search on eBay. You’ll probably find that there are already people selling them and this should give you an idea of what prices to use.

Do bear in mind, that if you choose to sell on a site like eBay, you need to make sure that you are a reputable source of items. To do that, it’s easy. You just need to make sure that you have bought a few items, they can be as cheap as you like and gained a solid base of reviews. At that point, your profile will hit a positive score, and from there, things can be very easy.

This is the best solution if the amount of money that you need is somewhere around a few hundred. Anything more than a thousand and you might need to look at other options.

Pawning Other Home Items

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You’d be amazed by how many items in your home are actually quite expensive. You might have a dishwasher, a UHD TV, some rather stunning sofas in your sitting room and perhaps even a few pieces of expensive artwork on your wall. If you need to free up a few thousand in cash, you might want to think about taking some of these appliances, equipment, and items down to a pawn shop. The owner will give you money for the items, perhaps on a temporary basis. Once your financial situation improves, you should be able to buy them back, assuming they haven’t already been sold. This could be just what you need to get back on your feet.

If you have kids, it can be difficult to explain why something like this is necessary. If your kids are quite young, there are a whole range of white lies you can tell to make it easier for them such as upgrading the home or getting the furniture cleaned. Older children are typically more astute, and often honesty is the best policy. They might surprise you with how understanding they can be.

Downsizing

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You might be tens of thousands of dollars in debt. No one ever expects to be in situations like this, but all it takes is a little bad luck, and you will soon be on a downward spiral. At a certain point, you may be in a position where you need to think about selling your property and downsizing. Or, moving in with friends or family while your financial situation recovers. The benefit of this is that if you have a home to sell it should be more than enough to pay off any debt that you have accumulated. But, you do need to make sure the house can be easily sold for the lowest price possible and that you can move into a new home with minimum costs.

You’ll certainly need to speaking to a conveyancing firm. With a conveyancing service when you buy your smaller home, you should find that getting the rights to the home is easy and quick. You will, however, need to look at conveyancing quotes online to make sure that you get the best, cheapest deal. Remember, if the costs of moving to a smaller home or two expensive it will nullify the reasoning behind selling the first house. That’s why you should price check all the services you are using and guarantee you are getting the best deal.

If you aren’t buying another smaller home and instead you decide to move in with family, it can be quite a challenge. Particularly if you are proud. It can be difficult to come to terms with your position and even ask for this type of help. But you just have to remember that by taking a step like this, financially you will be making things a lot easier on yourself.

Consolidation

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The final possibility that we need to think about is consolidation. Now, consolidation won’t directly free up capital that you will use, but it will limit your debt. Since you’ll have less money to pay, you’ll have more money to play around with and possibly make paying off those debts easier.

It’s important to understand that consolidation is a loan. Essentially, you’ll be borrowing from one source to pay off enough, and instead of paying multiple debts, you’ll only be left with one package sum. Usually, this will be smaller with a lower interest rate than what you were paying before. There are plenty of debt consolidation companies online that can offer you this possibility. It might be worth investigating the type of service that they offer and how beneficial it could be for you. Remember, you need to make sure to read the fine print and guarantee that you know exactly what type of situation you’ll be dealing with.

I hope this advice helps you get money in your hand whenever you desperately need it.

Handling The Worst Financial Situations In Life

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There are times in life when finances will be tight. You need to be prepared for these occasions if you are going to get through them without any major problems. There are plenty of examples of times like this, and the problem is that you often don’t think they are going to affect you. If you have a good job and you feel confident your boss is happy with your performance, you probably won’t even consider the possibility of redundancy. Or, maybe you think that when you finally buy a home, you can keep the costs under control. But sooner or later, you will find yourself facing the problems that everyone experiences in these situations. So, how do you handle them without making things worse? Well, I’ve got some tips that should help a lot.

Dealing With Redundancy

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The first thing to understand about redundancy is that it will hit you when you least expect it. One minute you’ll be on top of the world and the next, you’ll be packing up your desk. It can be a challenge to handle a situation like this, and the best way to approach this is pre-emptively. You should always be keeping an eye on the job market and looking out for opportunities that could help you if you did lose your job. Remember, on average people spend around six months without a job when they are made redundant. You can reduce that time if you know what’s out there before you’re handed that final paycheck.

The other factor to be aware of is the benefits that you’re entitled to when you are made redundant. It is noble not to want to claim any benefits at all and instead rely on money that you might have saved over the last few years. But, you shouldn’t avoid benefits completely if they could help you get by during this difficult time.

You might also want to think about reducing your monthly spends through the month. One of the ways to do this would be to cut out any monthly subscriptions that aren’t completely necessary. That doesn’t mean you should cancel your internet because you could use this for job hunting.

The final piece of advice for dealing with redundancy would be to look for little ways that you can make extra money in your spare time. An example of this would be completing online surveys. While you won’t make a fortune, it could make some of your monthly bills easier to pay when you can’t rely on your income.

Unforeseen Injuries

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You could argue that all injuries are unforeseen, but it’s important to be aware of what an injury could mean for your finances. If you live in the UK, you don’t have to worry about medical bills which makes things a lot easier. However, you do need to think about time off work. In some cases, you will be able to get paid sick leave, but you might find that you are on a freelance contract under another name. Plenty of companies are now hiring workers on freelance contracts. This means that they don’t have to provide any benefits including sick pay. You can see how that would be a problem because it could leave you out of pocket during your recovery. But how do you handle this?

Well, first, it’s important to think about the cause of the injury. It’s quite possible that it was someone else’s fault and if that’s the case you should consider legal avenues. Remember, an injury can be small at first like whiplash. That’s a common injury when your car is hit from behind. How much do you get for whiplash? Quite a lot because it can result in chronic pain that could be permanent. This might alter the quality of your life and severely impact how much you can work. That’s why if you are injured in an accident, you should always speak to a lawyer.

The other piece of advice would be to make sure that you are saving a nice cash cushion that you can fall back on in cases like this. That way, if you are unable to work you will still be able to get by with the cash that you have built up over the years.

Moving Home

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Whether you’re buying your first house or simply moving to another place, you shouldn’t underestimate the pressure it’s going to put on your finances. The mistake people make is thinking that they only have to worry about the cost of the deposit for the home and this isn’t true. You need to think about everything from legal fees to removal costs and everything else on top of that. If you’re selling your old home, you’ll have to pay marketing fees, and the list just keep growing. If you are buying a fixer upper, you might even need to pay for renovations on the home when you move in.

The bottom line is that these costs aren’t a problem as long as you’re aware of them. But if you’re not you could commit to buying home without the true extent of the financial pressure that you’ll be under. Then, there are other costs to take into consideration like mortgage repayments. Suffice to say the first few months or even years or buying a home can put a lot of pressure on your finances and you must prepare for it.

Legal Issues

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Finally, you might think that you’ll never end up in court, but it’s important to understand it’s not just criminals that have dealings with the law. You might end up arguing a traffic offense, or it could be more personal like a divorce proceeding. Law cases always cost money, and it’s just one more issue that can impact your financial situation. So, if you ever do end up going to court make sure you are aware of how much it’s going to cost you. Particularly, if you have chosen to start a legal claim yourself because it could end up being a lot more than it’s worth.

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Freelance Family Finances

Living in a family with one freelance parent must be a bit tricky at times, with one person’s contribution being potentially unstable, but having TWO freelancers in the house? Let me tell you, it definitely has it’s pros and cons! We love the fact that we’re able to choose our own hours which means we’re able to work around school holidays, go to the gym during the day when it’s less busy (because we’re both usually working in the evening!) and be flexible when it comes to meeting deadlines, however the uncertainty with freelance work can also be a worry.

It also means that we have to keep two sets of accounts throughout the year, which should be easy given that I’m an ex-bookkeeper, but it’s not always simple. We’re lucky in the respect that neither of us really has any expenses related to materials needed to work (as long as I have a laptop and an internet connection, I’m usually good), but we can factor in using our home as an office as well as writing off a small portion of our utilities because we work from home, as well as other little things to be remembered. Last year, we bit the bullet and invested in some accounting software to help us keep a track of everything, but stuff like this is only accurate if you remember to add everything so it’s still not a perfect solution!

If you’re a freelancer and struggle with the admin side of things, here’s some tips to help keep on top of it all:

Folders

Filing might seem like a massive pain in the bum, but both virtual and physical folders can be a real help. Create a folder within your email inbox which allows you to file emails for work related purchases, as well as an actual ring-binder in which you can keep paper receipts and invoices. If you leave your accounts til the end of the year, you’ll likely forget a few things so keeping records is super important.

Keep It Simple

Probably the single most important thing for keeping on top of freelance finances is to KEEP. IT. SIMPLE! Setting up complicated proceses will just create you more work in the long run and you’re setting yourself up for failure. Try to keep things as easy as possible in order to make things run more smoothly.

Don’t Be Afraid to Ask for Help

There is absolutely no shame in admitting that doing accounts just isn’t your forte. You might be the best writer/marketing manager/social media consultant/whatever on the planet but it doesn’t mean that you’re good at doing accounts. Even entry-level bookkeepers usually have some form of training or qualification and starting your own business doesn’t automatically mean have the skills for the money side of things. Finding a good accountancy firm who can take care of things for you will usually cost far less than you think and will free up time for you to concentrate on doing the thing you love!

Do you have any tips for freelance families like mine? Do leave me a comment below as I’d love to hear them.

Three Times When I’ve Needed Money Fast

I have to admit, I’m not one of those people who manages to save money very well. As soon as I get paid and my bills are taken care of, the remaining money seems to burn a hole in my pocket until it gets spent and this means that there isn’t much to squirrel away at the end of the month. However, this approach to money isn’t very useful when an unexpected expense comes along, which is why it’s really fortunate that quick loans are always an option. I thought I’d tell you about three times when we’ve needed to raise cash quickly so that you can see how easy it is to be stuck with a huge bill that you just weren’t expecting:

The £200 Fart

A few years ago, Chuck started acting unwell and was totally off his food. Even when he’s at his most ill, he’s NEVER off his food so we knew that we had to find out what was wrong. Unfortunately, it was a Saturday which meant taking him to an emergency vet and we didn’t have pet insurance as he has so many pre-existing conditions. A few hours and a couple of hundred quid from Husband’s ‘New Computer’ fund later, we found the cause of his illness – trapped wind and an impacted anal gland. It’s got to have been the most expensive trump that ever happened!!

Car Trouble

Just recently, we came to the conclusion that we needed a new car; the old one was limping along and probably wouldn’t go through another MOT but funds were low. Luckily, we found a little Ford Focus through a private dealer that a family member had used in the past and managed to bag ourselves an absolute low-mileage bargain. However, we still had to borrow £200 to be able to afford it, but this small loan gave us the wiggle room we needed to be able to get our new car before the old one died!

Moving House

The last time we moved was a pretty hairy situation – the house we’d been living in before was being sold without notice and we had to be out ASAP, which didn’t give us much time to save. However, the new landlady wanted an extra month’s deposit to allow us to have a pet in the property, which left us about £600 short of what we needed to move in. I was so fortunate to have an amazing friend who offered to lend us the money, interest free and without a repayment deadline, which allowed us to move to our dream home!

Has there been a time in the past when you’ve been desperate for an injection of cash, pronto? Leave me a comment below!

Shoring-Up Personal Financial Accountability

In addition to daily spending obligations, household budgets also accommodate “big picture” goals, such as home ownership and retirement.  And while it may be relatively easy to track day to day outlays, plotting and planning for long-term financial success calls for another layer of management.

Financial accountability within your personal budget ensures long-range goals are recognized, without leaving you vulnerable in the short term. And though each person faces unique financial conditions, some of the same strategies prove beneficial, under wide-ranging circumstances.  If you are experiencing financial inconsistencies or just want greater accountability administering household cash flow, use the following practices to bolster your personal finances.

Maintain Discipline and Spending Resolve

Although it sometimes seems like a mystery (where does the money go?), personal finance is not terribly complicated.  In the end, success managing money relies on consistently balancing income and expenditures.  And since income is relatively static in many households, adjusting spending is the fastest way to correct imbalance.  If you face recurring cash flow shortfalls or other financial irregularities, it may be time to double-down on spending discipline.

Financial concerns cover broad commitments, ranging from customary living expenses to major purchases.  When your approach to finance calls for greater accountability, use the following methods to keep spending in check and reinforce budget discipline at home:

  • Limit credit card use
  • Weigh the pros and cons of each purchase – before committing
  • Make it harder to access discretionary income
  • Learn from buying mistakes
  • If you need to take credit, use a reputable lender

Reduce Oppressive Debt

If you are like many consumers, your debt load is more substantial than you’d like it to be.  Reducing the burden not only frees resources for more important spending obligations, but it gives you more control over your balance sheet.  Too often, oppressive debt quickly gobbles-up income, preventing household money managers from steering their own financial destiny.  With a manageable burden, on the other hand, it is possible to plan and allocate resources as you wish.

The first essential step toward debt reduction is to stop building balances.  As you pay-down outstanding obligations, without adding more charges to your accounts; your budget will begin to feel relief.  With each billing cycle, the weight of debt lifts, taking you one step closer to your financial goals.  For faster results, even with a so-so credit history, it may be possible to borrow money at a more favorable rate, to eliminate balances.  A consolidation or guarantor loan, for example, captures multiple obligations under a single repayment umbrella, refinancing the debt at a lower interest rate – or with better repayment terms.

Expand Financial Understanding

With so many demands pulling at family finances, money managers commonly make mistakes, due to misunderstandings. If you feel uninformed, or uncomfortable with certain aspects of household finance, it is up to you to increase your knowledge base.  Whether it means taking a formal course about finance or studying on your own, clearing-up you financial perception helps create greater accountability at home.  Some of the key concepts at the heart of individual financial success include:

  • Budgeting
  • Using a personal balance sheet
  • Finding favorable financing
  • Saving
  • Investing
  • Preparing for major purchases
  • Retirement planning

A firm grasp of these important concepts gives you the tools needed to establish long-range goals and stay focused, realizing your financial ambitions.  In addition to formal instruction, various online channels furnish references and resources for boosting financial insight.  Each lesson builds on itself, until your financial understanding fills-in, growing into an asset, rather than a liability.

Financial discipline and accountability are vital aspects of successful financial management.  By reducing debt and fortifying financial knowledge, it is possible to reinforce your financial health, setting the stage for long-term security.

Have More Money Than Ever Before: 3 Ways

Would you love it if your family could have more money than ever before? There are a few different ways you can do this, and they aren’t as difficult as you may think. Here are 3 ideas you can use!

Change Your Language And Mindset

The way you talk about your finances can make a huge difference, including how you talk about them in front of your kids. By talking about things in a more positive way and changing your mindset, you can find things make a positive turn. You don’t want to instill a fear or hatred of money into your kids. Include everybody in financial discussions, save up together, and have money meetings. These things will help you all to stay focused on your goals. Just be sure that your language reflects the way you want to feel when you have lots of money!

Invest Your Money Wisely

Every single thing you spend your money on should be thought about carefully. Do your research so you know that you’re investing your money wisely. This goes for buying new outfits, or actually investing in stocks and shares. Investing in the traditional sense can help you to build up more wealth later on. However, thinking about short-term purchases carefully is important too. Remember that sometimes, spending more money on a higher quality item will actually cost you less, as you won’t need to replace the item as quickly.

Keep Track Of Everything You Spend

Keeping track of everything you spend is a must. You need to know your numbers! The infographic below can help further.


credit to Cashfloat loans

Trim Your Expenses Every Month With These Tips

There’s more than one way to get a little extra money in your account every month. The most obvious way is to boost your income with some side jobs, an increase in your monthly salary, or by making money online. The other is to save money by cutting down on your spending habits. Budgeting doesn’t sound fun, but if you look at your bills and see where you’re wasting the most money, it can be pretty easy to get a grip on your finances. Here are just a few ideas to get you started.

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Reduce your monthly bills

Just because water, electricity, and wifi are necessities, doesn’t mean your energy bills have to be so high. You can trim the fat each month by essentially going green; as an added bonus you will also help the environment. Start by switching to energy efficient LED bulbs, unplugging all appliances you’re not using, and insulating your home so you don’t need to turn up your thermostat as much. These little things could end up saving you a lot of money each month. You don’t even have to install major upgrades such as solar panels.

You could also reduce your bills by switching to a cheaper provider. Go online to compare energy prices and see how much you could save every year.

Check your luxuries

Some luxuries are essential for relaxing after a stressful month, but you need to make sure you’re not spending more money than you need to. Cancel your gym membership and workout at home. Stop buying coffee and make your own blend at home. Go to the library or book swaps instead of buying new paperbacks. Share your Netflix bill with a friend. You don’t need to sacrifice your hobbies and indulgences to save money, but you can find creative ways to get the same things for less.

DIY

Sometimes things break around the house, or drains get blocked. If it’s nothing too serious, then save money by not calling a professional and doing your own home repairs. DIY isn’t just limited to fixing things around the house either. You can make your own cleaning products, which aren’t as harsh on the skin as chemical products. Thanks to DIY, you can also indulge in some beauty products without the high street price tag. Save money on your cosmetics with these home remedies.

Shop smarter

Buying food on a budget is a struggle for a lot of people for various reasons. Fortunately, there are several ways to reduce your food bill each week, including shopping for cheaper store brands, buying non-perishables items in bulk, or sticking to a shopping list. You can also save money on food by avoiding takeaways, packing a lunch to take to work, or freezing your leftovers to eat them later. The best thing you can do to keep your grocery bills low is to find ways to reduce the amount of waste food you throw away each week. Leftover casserole is your best friend.

Bundles Get You More Bang For Your Buck!

DealsTV, Phone and Internet bills can cost a lot these days for the top quality services that are available. Getting the best deals for your television channels, as well as your home landline phone usage and your internet broadband deals can be tiresome, hard to do and end up being very expensive. Getting a bundle from one company can see the total amount of bills that you are paying decrease sharply. This is without doubt one of the easiest and best ways for you to get discounts and find yourself paying the minimum amount for all the best deals on all three different things, which are, in this day and age, all essential for modern everyday life.

Not only does this often work out a lot cheaper, it is also a lot more hassle free, convenient and easier to pay and keep on top of. By choosing a bundle, there is a fixed price each and every month and your money only goes out to the same company every month, making managing your finances much easier. With separate bills coming from all over the place from several different companies, it is hard to keep on track and on top of what you are paying for and in some cases, this can lead to a lapse in concentration and see you forgetting to pay bills, which may be dangerous and less than ideal for managing your finances if you forget to pay a bill and it becomes overdue, as you may think you have more disposable income available to you.

By paying for all three services together and not separately, it also makes any repairs, maintenance, complaints or issues you are having much easier to deal with. Contacting the customer service department of any company can often be particularly bad in some cases and they have become somewhat notorious in daily life to the everyday home user, however, this problem becomes magnified when trying to communicate with potentially three separate companies, rather than just dealing with one, which is a major advantage of getting a bundle deal.

Which Bundles Are Available?

Many companies offer bundles at reduced and discounted prices compared to buying each service separately. One of these is the Sky bundle package, which offers a speed of up to 17 mega byte broadband speed and one of the largest selections of channels of any of the other bundle deals, with 270 channels. The contract is for 18 months and the price is competitive with many other companies. The broadband is perhaps not as fast as others, however, this is the compromise that is made between having a slightly slower broadband and having the best selection of TV channels. This package is ideal for people who use the internet casually and do not require an extremely high speed for things like running your business from home or for people who are avid gamers.

Other packages are also available from many different companies, with the main companies offering the largest savings and some of the best deals being BT, Virgin, Now TV and EE, all of which offer bundles to save you money by paying your phone, internet and TV as one package payment per month. In terms of the cost, several different bundles will vary and this is due to the quality of each service that you pick. Choosing a Sky bundle for example can be tailored to your individual needs to get the right bundle for you and in terms of the general cost and price range of the bundles from all the different companies that offer them, this will typically start from around £30, up to anything around £60, the large variation in price primarily due to the quality of services that the company you have chosen provides.

Top Tips For Bundle Shopping

It is always important to do your research and make sure you understand exactly what you are going to be getting when it comes to choosing the bundle for you, it is important not to just look at the price as this often does not tell the full story of the quality of services that you are provided with and whether this will suit your needs.

Saving Money – 5 Tips on How to Maximise Your Stash

savingHusband 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.

Walk More

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.