10 Money Saving Tips

If you follow me on Instagram (if not, why not?! You can find me HERE), you will know I have just come back from beautiful Bali. I don't know about you but I always get the holiday blues when I get home from a holiday and I feel like I need to make new plans and goals to keep me focused!

I have so much I want to save for moving forward, such as a new house, a car, another holiday and something which is going to cost quite a bit - a wedding! I have decided I am going to start saving (properly) by changing my usual spending habits. So here are my money saving tips which I am planning to use to make the above achievable.

1. Make your own breakfast/lunch

One of my biggest downfalls is buying breakfast/lunch in the working week - it's so easy to pop into the local sandwich shops and cafes, but this can easily rack up a bill of up to £50 per week! FIFTY POUNDS - madness! I am going to start planning my meals by going to the supermarket at the start of the week and stocking up on soups, bread, salads etc which could slash this spend by well over half!

2. Use Cash
I am a sod for using my card. Who ever invented contactless payments has a lot to answer for. I use my contactless like it is a free supply of money, or I am getting my items for free, that is until I check my bank at the end of the week and the money has disappeared (quite drastically). I am going to take out the cash I need for each week or day and stick to that, but doing this I will need to.....

3. Budget

I love lists. I write lists constantly. Writing down your spending or lists of what you need can help you asses things a lot better, especially you can see it in black and white in front of you.

4. Only borrow what you need

If you do find yourself short of cash, which happens to all of us, then only borrow what you need. It can be tempting to try and get a credit card with an necessary limit, which I am definitely guily of, but you could consider using a reputable pay day loan company such as Cash Lady. You can borrow as little as £100 to cover unexpected bills or emergencies and repayments can be over an amount of time to suit you. Always ensure you can afford the repayments before considering any type of loan or credit and that the company you decide to use is regulated by the FCA.

5. Impulse buys

Instagram, Facebook, emails, adverts - you just can't avoid seeing things you would love to buy. Instagram is the worst for me. I see many items that make me immediately go onto their website and buy it. Do I actually NEED these things? Probably not. I have started saving the items I like and reviewing them the next day or whenever I get chance, and most of the time I go off the products or the feeling of 'I bloody need that in my life' has gone.

6. Save the pennies

This is super easy and can be done if you are sticking to using cash or card. At the end of each day either empty your purse of smaller change and put in a jar (we all have a jar/box/container with pennies in) and convert it once it's full at a local CoinStar, some high street banks also have change changing facilities now too.

Or if you like using your card then simply log onto your online banking (using your banks app is a lot easier than logging in online every day) and transfer any amount over the nearest pound, from 1p to 99p, and add it to your savings account. It may not seem like a lot but this can definitely mount up without you realising or missing the money.

7. Sell, sell, sell

I have recently decided I have far too much stuff - makeup palettes, clothes and just general stuff so I am going to have a big clear out. Selling items online is super easy and a sure fire way of making some extra cash - you can do this in many different ways - eBay being the most popular but there are other ways too, such as Shpock and local Facebook pages.

8. Use cashback websites

We have all probably heard of websites such as TopCashBack or Quidco. These websites are such a good way to save money when spending, whether that be on a new dress you have seen or you are looking to buy a new hoover. There are 1000's of retailers and providers on these websites all wanting you to spend your money with them so they offer you a cashback bonus if you do.

9. Check your providers

It seems like such a hassle calling your utility providers but actually a quick phone call can save you a lot of money, whether that be for gas, electric, internet or your mobile phone contract! I have saved a lot of money by talking to my phone provider, they even gave me a refund I was due and unaware of, all down to a quick phone call.

10. Don't be too hard on yourself

Saving can be tough. I love eating out, I love going for a glass of wine at the pub with the girls and I also love days out. Don't lock yourself away while you are saving, you can always find offers online for literally anything and everything. Signing up to your favourite restaurants newsletter or joining a card scheme can often lead to great discounts. You could browse websites such as Groupon and Wowcher (or similar, these are just the websites I have used in the past) as they can lead to you finding great savings and fun ideas for days out!

I hope this post has given you some ideas or inspiration for saving your money. Do you have any top tips for saving money? If so, I would love to hear them, please leave them in the comments below!

*This is a collaborative post*



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