Hey guys, I’ve really wanted to do a post like this for a long time! I think saving money can be such a hard thing it do and get into the routine of doing, and if you’re any kind of shopaholic like me then it’s even HARDER. I’ve put together my best tips, for what I do when I’m trying to save money.
This is the simplest and easiest thing to do if you’re trying to save money. Like most people it is always nice to spend money on doing things, whether that’s going out for meals, shopping or going places! If I’m trying to save money what I try to do is spend as little as possible without sacrificing any enjoyment. For example, I love going to coffee shops, having a coffee and maybe a small snack, then I get my laptop out and do some blogging stuff, or if you’re a student this is a great way to study in a different environment. This for me can be an afternoon on a Sunday and all I’ve spent is £6. Done. I also try fill my time with stuff around the house, if I feel myself wanting to go shopping, I try and keep myself busy! Paint my nails, tidy, organise, get friends over for a cuppa. Easy, simple things that cost no money and are way more productive than shopping!!
Voucher Apps & Loyalty Cards
My next tip is all about saving in particular areas. I find voucher apps are so helpful! There are so many helpful apps out there that give you so many good offers on meals, activities and even weekends away. I’ve been loving using groupon, wowcher and voucher codes for finding offers on afternoon tea and meals. Keeping on the same subject, loyalty cards are a must for me!! They aren’t an immediate way off saving but I always find it such a good perk once you’ve filled a card and you get your freebie. It doesn’t hurt to be collecting points or stamps on anything you do purchase, as you know it will all add up eventually.
Make a list
This tip is all about organisation. I don’t know about anyone else but quite a lot of the time I find myself buying things that is just an utter waste of money! I like to shop and collect things which isn’t my issue, I’m talking about those times where you’re just on a spree of spending on pointless things. It has to stop. This can be made even worse if I know I have an expensive time coming up so this tip is great for helping you organise your money. I love making lists anyway, but this one is a life saver, if you categories your spending into priorities and essentials compared to not necessary. For example my priority spending consists off toiletries, birthday presents, bills and pet stuff etc. Then on the other hand I’ve got everything else that I want to spend money such as : makeup, bags, shoes, clothes, dining out, takeaways and the pub!! Obviously I’m not saying I don’t spend anything on this stuff, because that’s just not true but what I try to do is spread out any spending so I’m spending in lump sums. But by making a list I know what I HAVE to budget for.
This one is a brand new tip for me as I’ve just discovered it courtesy of my cousin and her boyfriend telling me to get it. Monzo is a digital mobile-only bank. The basis is a prepaid debit card. You can use it like a regular debit card, but it’s got so many extra features on it that make it so great for saving! There are so many budgeting tools that help you really keep track of your spending. You get instant notifications every time you use the card, you can set targets for monthly spending and get extra notifications if you’re spending too quickly. Also when you go abroad there any no charges for using the card and exchange fees (an extra perk if you love travel like me!). If you haven’t heard off it you should definitely check it out! Free to sign up, and I for one am completely sold on it, it’s really helping me organise my money better.
That’s all my top tips for saving money, whether it’s cutting down altogether, spreading out your spending or just organising your money better, I think it’s so important to know where you’re at.
Thanks so much for reading guys x