The recession has hit most of us hard, but simply by making a few minor changes to our spending behaviour, we can claw back some cash and make our funds last longer. Take a look at thirty key money-saving tips for 2013.
- Insulate your home to cut down on fuel bills
- Do not waste food
- Use coupons and vouchers
- Walk or cycle to work if practical
- Quit smoking
- Cut down on alcohol use
- Take holidays in the UK rather than abroad
- Use furniture swap shops
- Choose supermarket’s own-branded goods
- Sell unwanted items on eBay
- Use your local library for books
- Pay as you go at the gym
- Pay bills by direct debit
- See if you’re eligible for working tax credits and housing benefit
- Choose Freeview over satellite
- Choose a cheaper phone tariff or consider pay as you go
- Cook meals from scratch
- Plan more nights in
- Keep an eye on special offers, both online and on the high street
- Make a supermarket shopping list in order to sidestep higher prices at convenience stores
- Take a packed lunch to work
- Consider car-sharing
- Pay car and home insurance in bigger chunks
- Use balance transfer deals for credit card balances
- Shop online for great discounts
- Don’t throw away loose change as it can add up quickly
- Don’t leave lights on when they are not in use
- Use lower cost media streaming services rather than buying music and movies outright
- Get a financial advisor from £99 per meeting! Link
- Got a skill? Train others to earn extra cash
Small efforts to save money can come with big rewards, and as the months pass by you can find yourself saving more and more. Whether you’re attempting to clear a debt or saving up for a holiday, you should find that making a few small sacrifices can translate into great results.
