Friday, December 23, 2016

7 Simple Money Saving Tips Everyone Should Follow ♥

Have a month-long spending ban / Use reward schemes
Are you like me and have multiple boxes and baskets full of makeup and beauty products which you have yet to use? If so, why not challenge yourself to a month long spending ban and resist buying products which you really don't need? I've made a vow not to spend anymore money on makeup or beauty products until I've used up my current stash and so far I've stuck to it and have saved a lot of money in the process.

If I do feel the need to try something new then using reward schemes such as Back To MAC, Boots advantage points or Lush's reward of a free fresh face mask if you return six empty pots, is a good way of getting your beauty fix without physically spending any money. 

Use promo codes and discount vouchers when shopping online
I do the majority of my shopping online these days as with two young children it's much more convenient for me than trudging around shops with them, plus I find much better deals online than in store. 

Before making any purchases I always search for relative and active promo codes and discount vouchers. The site https://www.promocodesfor.co.uk  offers a whole host of promo codes for many websites and shops, and I love finding codes and discounts for products that I was going to buy anyway.

Be more energy efficient
We are probably overly conscious of how much electricity we use in our house, but we're always thankful of this when it comes to bill day. You can save a lot of money on monthly electricity bills by simply taking more care about what appliances and lights you're using at one time.

I no longer use the big lights in our house unless I really have to, the table lamp gives sufficient light. I unplug and switch off sockets when I am done using something and I try not to have the television on whilst I'm on the laptop because I know I can't focus on both at once. These simple changes have really helped keep our energy bills down and it's great to know we're being energy efficient too.

Sell items you no longer need
If you're home is full of things you're no longer using or will no longer need in the future (baby items for example), then selling them on to people who need/want them is a great way of making money.

I have a lot of things to sell this year and will be putting the profits into mine and my sons credit union accounts. This is perfect for both decluttering the house and making money all at the same time.

Manage your money sensibly
Finding a good savings account which allows you to gain a good amount of interest on your savings is an essential thing to do if you want to save money.

At the moment I favour credit union accounts for my sons and I over bank accounts, as they offer a great interest rate and the credit union itself is owned and run by it's members, which gives me some peace of mind that my money and my sons money is in good hands.
   
Follow a saving money plan and stick to it
This year I am doing the 52-week money saving challenge (or at least I'm trying to!) and although it can be hard to stick to it when I have so many outgoings, I am determined to put away money each week.

Having a plan to follow can really help you to focus on what you need to save every week and it's great to tick off the weeks as they go by and see your saving stash getting larger each week. If the 52-week money saving challenge isn't for you there are other templates which you could follow to be found on Pinterest.

Make a weekly meal plan before going grocery shopping
Making a weekly meal plan is such a great thing to do as not only will it help you become more organised when it comes to preparing meals but it will also help you save money whilst doing the weekly shop.

I always have a list of dinners that we're going to have during the week with me when I go food shopping, this helps me focus on what I actually need to pick up instead of buying things we probably won't end up eating and therefore saving us money. We also stay away from brand name products when we can which really helps to keep the weekly food shop cost down.
  
Following these simple tips can really help you to save money this year and when you think about it, they're all quite easy to follow, so money saving success is inevitable.

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