1. Learn to budget
Go over your spending from last year, where did you spend your
money and where there any areas that you spent too much? Can
you cut down on those big expenses this year? It's a good idea
to set a budget for this year and try and stick to it as best
you can. It really can make a difference if you know where your
money is coming in from and going out to. Why not get a Prepaid
MasterCard to help with all your budgeting needs?
2. No more paying full price for things
There are loads of deals out there to be had on your common
household items. Take advantage of money off coupons, discount
codes, sale items on the high-street. I have already bought
some up and coming birthday pressies in the sale and have
saved a fortune. Work out where you pay full price and then
spend a little time researching if you can get it cheaper
elsewhere.
3. Delay spending
Could you delay any non-essential spend for 30 days? Could
you draw up a list of all the things you want to buy and then
see if you still want to buy them at the end of the "no
spend for 30 days" test? It's a neat way to look at your
impulse buying patterns and keep that hard earned money in
your bank account a little longer.
4. Al-Desko dining
If you are a working mum or dad then why not dine Al-Desko
and take your own lunch to work? It doesn't cost much to make
a little extra with each evening meal and provided you have
heating facilities at work you can use the opportunity of
taking your own food in to control your calories etc.
5. Home is where the heart is
There are plenty of ways to save money by using your home
& garden more as a family base for activities. Rent out
DVDs, CD's & books and host a movie night (don't forget
to make your own treats). Host a party for your kids or your
friends at your house and then at somebody else's the next
time. Ask your guests to bring a dish, they won't mind, everyone
loves cooking! Why not host a clothes swap party at your home,
that way you can save even more pennies and gain some new
wardrobe items.
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