Who doesn’t love a bargain? When it comes to saving money, online shopping is where it’s at. You can relax in the comfort of your own home, scouting to the best deals. But are you looking in the right places? Often, much like when we go to the local shopping center or supermarket, we head the same aisles in the same stores – shake it up a bit and look for other suppliers.
Firstly, and most importantly, look at your current debts (if you have any). If you are finding it hard to reach your minimum payments and have anything left over to save with, then you might like to consider a single loan to pay everything off, then pay the loan only. If you have bad credit don’t worry too much there are lenders like https://personalloan.co/personal-loans-for-bad-credit/, who can help you with consolidation.
Work out if you could be saving on your energy. Much like how we shop, we tend to stick with companies we have been with for years. Although you might be getting the best deal, unless you call up some competitors, you won’t know for sure. You can save up to £100 depending on what tariff you are on and the offer you manage to negotiate with your prospective supplier.
Transfer the pennies and save the pounds. Each evening, head to your bank account and move your pennies into another account. It might sound a little excessive. However, if you are regularly moving between 1p and 99p by the end of the week, it will soon add up. Getting into the mindset and habit of appreciating that even coppers can make a difference at the end of the year is one of the things you’ll need to do to save successfully.
Plan your meals, and don’t buy when hungry. If you have a habit of shopping online and not paying strict attention to what you’re buying, you might find you’ve wasted a lot of money and will inevitably waste food too. Sit down and make a meal plan. You can see some excellent options on Pinterest if you struggle to make your own. If you can incorporate any leftovers from the day before and maybe even batch cook for the most value for money. While you’re at it, stop buying brand goods. While you might love a specific type of biscuit, is paying an extra £2 worth it? In the long run, not really. Start buying non branded, and you will make a clear saving.
Say no. When you’re out shopping and spot another bag or pair of shoes that you have to have. Ask yourself if you even need it? Often, we buy things for the sake of it – not because we need it.
Sit down and look at where you are spending out if there are some frivolous spots then you need to address that. Adjusting your attitude towards money, how and when you spend it and what does and doesn’t matter will help you save in no time.