We all work hard for our money and for many of us it’s still a squeeze to make ends meet as the price of living continues to rise. With outgoings continually rising and wages unable to keep up it’s becoming increasingly difficult to find the cash for those luxuries that make life that little bit happier. One solution is to is make cuts in your budget without making too many compromises in terms of your lifestyle. So, I have put together 5 super simple ways that you can save your family some money without making any drastic changes to your lifestyle.
These Boots Are Made For Walking
Petrol prices only seem to be going in one direction and that’s up! As a car owner this isn’t news to me and it’s an area of spending that is easy to shave a few pounds off simply by considering your usage. There are of course those journey’s where a car is a necessity, however if you consider leaving the car at home for shorter, walkable distances you will soon see a difference to your fuel spend, every little counts! A bonus is that you will be increasing your activity and helping to improve your health at the same time – winner, winner!
Another way to save money would be to consider car sharing if friends or family are travelling to or past your destination. Perhaps you could share a lift to work with a colleague and offer to pay towards the cost or try to coincide your journey with a neighbour?
Ditch The Contract
The majority of us now own a mobile phone of some description and costs vary greatly depending on your usage and price plan. To save money it’s vital to shop around and ditching your expensive contract can be a great option to save a tonne of money. The yboo app* offers an easy, hassle free way to find the best SIM only deal at no cost to you. Their app is free, simple to download and by monitoring your phone usage including call, texts and data it’s able to offer tailor made plan suggestions based on actual statistics.
Usage can be viewed on a daily, weekly or monthly basis on clear, easy to decipher charts and graphs enabling you to see exactly what you use. Statistics can be viewed as early as 24hrs after the app is downloaded, however it’s advisable to wait a minimum of a week to gain a proper overview and more accurate figures. As well as cost yboo also compares signal strength for your locations including home, work and other regularly used places ensuring you get a fully rounded analysis.
Once your information is collated, yboo searches the best deals for you from all the major networks including Three, O2, Vodafone and EE and provide links to the providers website. The deals vary in price giving you a fantastic range of options which could save you a packet on your phone costs.
Make Your Own
Hands up, how many of you pop to the shop to buy Lunch or treat yourself to a brew on the way to work? If this sounds like you then you are literally throwing money away and spending hundreds of unnecessary pounds a year. A couple of pounds even every other day soon adds up so why not set aside a few extra minutes in the morning or the evening before to make yourself a tasty lunch to take with you. It doesn’t have to be boring sandwiches everyday, let your creativity run wild – my personal favourite is Tuna Pasta Salad.
If like me, you NEED a brew in the morning to help you face the day then don’t waste your money in expensive coffee shops. Instead treat yourself to a reusable cup and some fancy shop bought coffee and make your own! Not only is it great for your pocket, but you’ll be doing your bit for the environment by helping to reduce the huge number of disposable cups that end up in landfill every year.
We’ve all been there; you need to make a purchase and have opted for the quickest, easiest option for an easy life. However, by shopping around before you buy you could save yourself hundreds of pounds a year.
When making a purchase always do your homework and research online to see if you can find the product cheaper elsewhere, it’s surprising the vast array of prices you can find for an identical item.
It also pays to browse several stores before deciding, especially when it comes to those bigger purchases like white goods or electricals. However, if this requires travel be sure to factor this into your saving as there’s no point in spending the money you would have saved on petrol or bus fares!
Whilst the biggest savings are usually found on higher ticket items this theory can be applied to your food shopping. It’s simple to compare item prices online and you may find it’s cheaper to switch from your usual supermarket. It’s also a good idea to check out the special offers at different stores and stock up on staple products when the prices are lower.
Compare And Switch
If you don’t regularly compare the prices of your household bills you could be paying way over the odds! It’s so simple nowadays to compare and switch your utilities and insurances via online sites like Go Compare and Money Supermarket and with prices due to rise in the next month now is the time to see if you could be paying less.
In years gone by the process to switch entailed reams of paperwork and time that most of us just don’t have enough of! The process couldn’t be simpler now as most companies handle all the paperwork and communication with your current provider meaning you just need to sit back and relax knowing you are saving money.
When you receive your insurance renewal it is so easy to file the paperwork away and let the policy renew automatically, but it’s always worthwhile getting an online quote to see if you could be saving money. I have even found in the past that my current provider’s rate was lower online than the price they sent in the post. By making a quick phone call and quoting the online price they honoured it and my cost was lowered. Even if it’s £2 a month cheaper it’s still worth switching, over a year you would save £24, enough for a Saturday takeaway treat!