I’ll be the first to admit that I’m not great when it comes to money but I don’t ever leave myself short, there has been the odd time that I’ve found myself looking at payday loans (e.g christmas) but I know I can manage my money if I try a little bit harder. A few months ago I went through our expenses and realised that quite a big chunk of it was just being spent on rubbish, things that we didn’t need, this year one of my goals is to change that and you can too…
But how? Here are my top 10 tips for saving money in 2018..
Cut down on Takeaways: We used to have a Chinese takeaway every weekend with my brother and it costs us between £10 and £20 every time, just by having it once a month we would be saving a huge amount.
Write down your expenses: Believe it or not I actually love doing this, I love writing down when the bills are coming out and love working out how much money we have but it’s not nice when you don’t have much left.
Have a clear out: Selling some old clothes, kids toys, anything you don’t use anymore. Ebay and Facebook are great dor this. Make some extra cash & save it back for a rainy day.
Save £1 a day: That £1 that you would usually spend on a scratchcard after work, don’t. Save it back and by the end of the year you’ll have a good £350. £2 a day and you’ll have at least £700. Amazing!
Budget & Meal Plan: Budget your food shopping, have a budget not a goal.
Swap for cheaper brands: This goes in hand with the meal planning but swapping your bolognese sauce (for example) for a cheaper version will really help you save money in the long run.
Have a goal: How much do you want to save? What are you saving for? This will encourage you to save more.
Collect Clubcard points: If you shop in Tesco, don’t forget to use your Clubcard and rack up those points.
Look for deals online: If there’s ever something I want to buy I always google it first and click on ‘shopping’ this way I can see where I can buy it cheapest.
Ditch the Gym membership: Why go to the gym when you can exercise for free?