25 Ways To Save Money On A Day-To-Day Basis

  1. Carry a bottle of water with you when you go out, so you are less likely to buy an expensive drink.
  2. Try to avoid bulk buying food that is perishable, even if it is on sale. The most expensive food you buy is the food you throw out.
  3. Go vegetarian for a few days a week to save money on meal costs.
  4. Eat leftovers for lunch instead of buying more food.
  5. Switch to energy efficient light bulbs.
  6. Carry less money in your purse while you’re out and about – and try to leave your credit card at home if you aren’t planning on shopping.
  7. Throw a swap party with your friends. You can swap clothes, household items, vouchers – anything you can think of!
  8. Need something new? Consider buying a second hand version to save money.
  9. Don’t watch much TV? Consider getting rid of your TV license and replacing it with Netflix or Hulu.
  10. Only do full loads of laundry.
  11. Check your cell phone plan to see if you could move to a cheaper plan with less offers.
  12. Bike to your destination, instead of driving or getting the bus.
  13. Wash your car at home, instead of paying someone else to do it.
  14. Need to get a taxi? Make sure it’s an Uber as they are often more cost effective.
  15. Replace expensive cosmetic products with a drugstore brand.
  16. Work out at home or the park, instead of the gym to save money on membership fees. There are lots of Youtube tutorials to make sure you are still doing quality exercises.
  17. Stop collecting items, and start selling.
  18. Spend the night at home with your friends, instead of going out. You can still eat great food and drink delicious drinks!
  19. Repair old clothing instead of throwing it away and replacing it.
  20. Make four times as much stew or casserole when you are cooking. Freeze the extra so that you can have leftovers for lunch at work. This also means you have delicious meals ready at home, so you’re less likely to order take out.
  21. Stop using credit cards entirely.
  22. Do a price comparison for your local grocery stores to make sure you get the best deal.
  23. Cancel all of your membership cards that you don’t use.
  24. Wash your hands regularly. Being ill is expensive!
  25. De-clutter your home and sell the items that you don’t need.
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Common Lies We Tell Ourselves About Money

20 MORE WAYS TO SAVE MONEY

Do you wish you had more money in your wallet? Saving is a daunting prospect, but it doesn’t have to be hard work. Check out 20 easy ways to save money below.

  1. Fix broken things yourself – if you are unsure how, there is probably a tutorial on YouTube.
  2. Consider looking for a place that is cheaper.
  3. Take the bus instead of a taxi.
  4. Buy staple items like toilet roll in bulk.
  5. Take a snack with you whenever you leave the house to curb buying expensive snacks while you are out.
  6. Learn about any company benefits that you are entitled to.
  7. Meet up with your friends at home, instead of a bar or coffee shop.
  8. Buy unbranded products – often they work just as well, but they are far cheaper.
  9. Use the library to your advantage. You can learn a language for free by teaching yourself in the library!
  10. Cut your own hair – this is mainly for people with simple haircuts who just need a trim.
  11. Carpool with other employees to save money on gas.
  12. Eat less meat by learning to cook some vegetarian and vegan meals.
  13. Cancel cable or satellite if you rarely watch it.
  14. Take short showers.
  15. Air-dry your dishes.
  16. Start a cheap hobby like reading or knitting.
  17. Use hair conditioner as shaving cream.
  18. Cut dishwasher tablets in half.
  19. Check the discount isle while doing your food shop.
  20. Grow your own herbs in your kitchen or your garden.

 

What do you think of these tips? Do you have any of your own? Let me know with a comment! 🙂

20 EASY WAYS TO SAVE MONEY

Most of us would like a little extra money, but saving can often seem like a dull and intimidating task. It doesn’t have to be that way – check out 20 easy ways to save money here.

 

  1. Wait 30 days before buying  yourself a new treat (like a new phone, or new shoes) and see if you still want it a month later.
  2. Make sure you eat a good breakfast. This means you will spend less on an expensive lunch.
  3. Delete your card numbers from your online account. Instead of freely and quickly buying anything you want, this means you have to find your card and type in the details each time – and you will be surprised by how often you change your mind.
  4. Swap babysitting with your neighbors – if you like each other!
  5. Stop collecting and start selling.
  6. Check out free events in town that you can do in your spare time instead of visiting an expensive bar or restaurant.
  7. Cook at home whenever you can.
  8. Create a weekly budget.
  9. Cancel any club memberships that you don’t use.
  10. Take lunch with you to work (and a thermos of coffee).
  11. Avoid shopping in huge malls that tempt you.
  12. Cancel unnecessary magazine subscriptions.
  13. Don’t do your food shopping while you are hungry, thirsty or upset.
  14. Don’t spend lots of money on entertaining your children or throwing parties for your friends.
  15. Buy second-hand whenever you can.
  16. Try to fix broken things yourself – there are lots of handy tutorials on Youtube!
  17. Avoid fast food and try to freeze leftovers so you always have something tasty to eat.
  18. Check the grocery stores in your area – are you shopping at the cheapest one?
  19. Try cheaper brands of products that you already use.
  20. Do your Christmas shopping right after Christmas.

 

What do you think of these suggestions? Do you have any of your own? Let me know with a comment!

4 UNEXPECTED WAYS YOU CAN SAVE MONEY

4 UNEXPECTED WAYS YOU CAN SAVE MONEY

Many people want to save a little extra money. It could be for Christmas, rent, a new car or a holiday. Saving may seem tough, but it is easy to save money every day by making a few small changes to your lifestyle.

Check out 4 unexpected ways you can save money without making huge changes to your lifestyle.

1. Carry a watch with you

Being a good time-keeper will save you money as it keeps you from being late, which results in people spending extra money on taxis and transport. A watch is better than your phone as the time is always visible, rather than being hidden away in your pocket. When you actually see time in front of you, you will become time-conscious and better at sticking to a schedule.

2. Always carry a bottle of water with you

Drinks from coffee shops and the mall are normally extremely overpriced, so carrying water around with you gives you a free alternative that is equally refreshing. This is also a great way to stop yourself falling into the habit of buying an overpriced drink every day.

3. Make your own lunch and snacks

Bread and sandwich fillings from the supermarket are reasonably priced. However, a pre-made sandwich from the same supermarket is likely to be overpriced and low in nutrition. Choose the cheap, healthy option by making your own snacks and lunch at home and taking out with you.

4. Start paying with cash instead of card

Many people pay on card because it is more continent than cash, but doing this can mean you actually end up spending more. Having real, physical money in your hand gives the money a sense of realness, whereas paying on card removes the feeling of loss. Try carrying $40 in your wallet with you as an alternative and see how much money you save!

Are you saving money? If you are, what are you saving up for? Let me know with a comment!

Common Lies We Tell Ourselves About Money

Common Lies We Tell Ourselves About Money

Do you think you are honest with yourself about your money? Most people believe that they are, but there are common lies that they tell themselves about money which can negatively affect their finances. These lies are often harmless, but being aware of them will help you be more realistic about money – check them out here.

Treating some money as more important than other money – this is where someone gives priority to one amount of money over another. For instance, they may be unwilling to pay off their student loans with their inheritance money. Ask yourself; do I value all of my money equally? Am I prioritizing well?

Placing priority on the present – in both the future and the present, ideally you will be financially well off. However, this can be difficult if you are financially biased towards the present. People who are financially biased prefer to be immediately rewarded, and they prioritize spending money now over saving for their future.

Overestimating your financial willpower – Most people think they have pretty good willpower when it comes to their money, but lots of people overestimate their abilities. If you are trying to save money, avoid shopping malls or restaurants – if you don’t test your self-control, you are less likely to fail.

What did you think of this list? I overestimate my financial willpower and it has resulted in unnecessary spending for me! But I could just have zero willpower. Who knows? Let me know if you have any other useful tips regarding money or finances!

Quick tips on finance

Would you like to save money without making big financial changes? Most people would love to have a little extra money at the end of the month, but they have outgoing expenses that they can’t change and they are not sure how to.

However, there are a few super-easy tips that you can follow to save money and gain more financial security – check them out here.

1. Compare online prices before you buy something – you may find the same item for less on a different website, and there are often cheaper alternatives on price comparison websites.

2. Sell the items you no longer use – many people have valuable items around their house that they no longer have any use for. Great ideas are old instruments, books, ornaments or furniture you no longer use.

3. Buy things that you need, rather than things society says you need – many people buy things they think they need but actually don’t. Do you really care about upgrading your phone? Do you regularly watch TV or do you prefer to use Netflix?

4. Do your food shop after writing your weekly budget – this means you will remain conscious of over-spending, and you will avoid expensive treats.

5. Prioritize paying off debt – expensive interest rates increase your debt if you put it off, so focus on clearing off your debts, starting with your high-interest debt.

What do you think of these tips? Do you have any simple financial tips that could be useful to others? Share your ideas with me!

Life Skills That Will Benefit You Forever

Life Skills That Will Benefit You Forever

The best things in life are free; family, friends, good times and a good life skills. Great life skills will make your life both happier and more productive – check out 4 life skills that are hard to learn but will benefit you forever.

1. Empathy – Empathy is an important emotion used to help forge and maintain relationships. Without empathy, you may struggle to relate to other people’s emotions and feelings. Empathy can also help you in the work world of networking.

2. Time management – Time management is an essential skill that is highly valued by employers – and your loved ones! If you struggle with time management, buy a calendar, a diary and keep notes on your phone; if you work at better time management for a few weeks, you will notice a considerable difference before a month has passed.

3. Being in control of your sleeping pattern – many people struggle to fall asleep or wake up, and their sleep patterns are actually making their day-to-day life harder. Try to make sure you get between seven and eight hours sleep a night, and try to get up at the same time on your days off – this will help you to fall into a better sleeping pattern.

4. A positive inner dialogue – What others think of you is rarely important, but what you think of yourself is very important. Your day-to-day life will be easier if you believe in yourself and you are confident about your decisions. If you feel like you have low self-confidence and a negative inner dialogue, ask yourself these questions; why do I feel this way? Should I speak to someone about my feelings? Do I feel like I make good decisions?

Can you think of any other important life skills that make life easier? Comment your ideas below – I hope you’re all having a great week!