I've always been a spender telling myself 'it's only money' and 'you can't take it with you' yet lately I've changed my attitude and decided that saving for the future isn't a bad thing.
Only a month into 2015 and I've saved hundreds already and if I'm honest it wasn't as hard as I thought.
So here's how I've done it and a few tips to help you start saving.
1) Open a savings account. This way you can't 'accidently' spend it. Search around for the best account for you. Maybe set up a standing order from your bank account to your savings.
2) Small change = big savings. At the start of the year I started putting all my pound coins in a jar. It's quickly built up. It gives me an excuse to use up some of my smaller change when paying for things, so my wallet is permanently lighter.
3) Check your direct debits... Are you paying for things you don't use?
4) Sell your junk, DVDs, CDs old phones and gadgets. Ok so sites like music at magpie or ziffit don't pay a whole load. Yet every penny will make a difference to your savings and of course you'll have a bit more space around the house.
5) Shop smarter. There's no denying some things cost money. However if you're earning loyalty points at least you're being rewarded when parting with your cash. I'm a big fan of nectar there's not a lot you can't buy through them, of course building up your points balance at the same time .
6) eBay. eBay is great for selling anything and everything.
7) Meal Plan, by planning meals in advance you can save a small fortune on the food shop, you know exactly what you need to create each meal therefore you can avoid wasting money on unnessecary items.
8) Try to avoid payments on card. I often find it's almost too easy to buy things when you can just wack it on a credit or debit card. Often the spend is more painful when using cash, when you're physically watching your money disappear.
Have you any saving tips you swear buy?
Let me know
Love
Charlotte
xxx
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