- Carry a bottle of water with you when you go out, so you are less likely to buy an expensive drink.
- 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.
- Go vegetarian for a few days a week to save money on meal costs.
- Eat leftovers for lunch instead of buying more food.
- Switch to energy efficient light bulbs.
- 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.
- Throw a swap party with your friends. You can swap clothes, household items, vouchers – anything you can think of!
- Need something new? Consider buying a second hand version to save money.
- Don’t watch much TV? Consider getting rid of your TV license and replacing it with Netflix or Hulu.
- Only do full loads of laundry.
- Check your cell phone plan to see if you could move to a cheaper plan with less offers.
- Bike to your destination, instead of driving or getting the bus.
- Wash your car at home, instead of paying someone else to do it.
- Need to get a taxi? Make sure it’s an Uber as they are often more cost effective.
- Replace expensive cosmetic products with a drugstore brand.
- 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.
- Stop collecting items, and start selling.
- Spend the night at home with your friends, instead of going out. You can still eat great food and drink delicious drinks!
- Repair old clothing instead of throwing it away and replacing it.
- 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.
- Stop using credit cards entirely.
- Do a price comparison for your local grocery stores to make sure you get the best deal.
- Cancel all of your membership cards that you don’t use.
- Wash your hands regularly. Being ill is expensive!
- De-clutter your home and sell the items that you don’t need.
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.
- 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.
- Make sure you eat a good breakfast. This means you will spend less on an expensive lunch.
- 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.
- Swap babysitting with your neighbors – if you like each other!
- Stop collecting and start selling.
- Check out free events in town that you can do in your spare time instead of visiting an expensive bar or restaurant.
- Cook at home whenever you can.
- Create a weekly budget.
- Cancel any club memberships that you don’t use.
- Take lunch with you to work (and a thermos of coffee).
- Avoid shopping in huge malls that tempt you.
- Cancel unnecessary magazine subscriptions.
- Don’t do your food shopping while you are hungry, thirsty or upset.
- Don’t spend lots of money on entertaining your children or throwing parties for your friends.
- Buy second-hand whenever you can.
- Try to fix broken things yourself – there are lots of handy tutorials on Youtube!
- Avoid fast food and try to freeze leftovers so you always have something tasty to eat.
- Check the grocery stores in your area – are you shopping at the cheapest one?
- Try cheaper brands of products that you already use.
- 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!
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!
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!
Earlier this week we covered different life skills that make your day-to-day life and career easier, from time management to sleep management.
Today I am going to cover four different life skills that are equally as helpful – check out four life skills that will benefit you forever once you know them.
1. Being consistent – Whether you are exercising, studying, working, or spending time with your loved ones, consistency is key. Putting hard work in is not actually that hard – the hard part is doing it every day, repeatedly, until you reach success.
2. Minding your own business – Lots of people struggle to mind their own business – other people are pretty interesting, in their defense! However following other people’s journeys is a waste of your time and resources. Instead, focus on yourself and your own journey. Are you working hard? Are you achieving your goals? Are you happy?
3. Asking others for help – you cannot do everything yourself, and trying to will make you stressed out and aggravated. You may worry asking for help makes you seem incompetent or weak, but this is absolutely not the case – everyone requires help in some areas, and getting that help often creates better results.
4. Having a proactive mind-set – Your mind is the tool that lets you stay in bed all day, or get up and exercise and work. Choose to have a more proactive mind-set, and consciously push yourself forward every day. Get rid of the excuses, and instead ask yourself; why can’t you achieve something today? What is stopping you? Is that a valid reason?
What did you guys think of this post? I decided to write a follow-up post, as I think mind-set and perspective can really change the way we live our lives. If you can think of any other life skills that you think are really useful, comment your ideas below and let me know! 🙂
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!
Do you struggle to find a good balance between work and play? Many people either work too hard or relax too much, and they struggle to change their lifestyles. If you struggle to find the perfect work/life balance, check out 5 more ways you can find the perfect work balance.
1. Limit your work hours
Working extremely long hours isn’t good for your mental health – or your family’s mental health. However, some people have to work longer hours – maybe they are starting their own business, or they run a company. If this is you, set out your work hours at the beginning of the week. Make sure you work 8 hours at least one day of the week every week – if you work late on the other days, you should have no work issues, and this can be something for your family to rely on.
2. Work with your personal energy
We all have natural energy cycles; some people work better first thing in the morning, while others get all of their best work done during the night. Think about when you are most productive and try to work for a few hours during this time. As you will be feeling extra productive and motivated, you will complete more work than normal during this time, freeing up time at different points in the day.
3. Delegate tasks
If you really struggle to take time off work, you may need to delegate some of your tasks to others. From hiring an assistant at work to paying a cleaner to clean your house once a week, these methods can help you to focus on your most important work while still having some time to yourself.
4. Plan a holiday
No matter how busy you are, you can afford to take a few days off a year through delegating tasks. Time off will relax your body and mind, making you a more efficient worker generally. If you can’t afford to take a week off work, book one day off and make plans with your loved ones for the day. This will help you to enjoy your life while refocusing and recharging.
5. Join a club
If you work so often you struggle to maintain friendships, consider joining a club. This will help you to enjoy your time off while also offering you the opportunity to socialize. There are various clubs, from cooking to swimming – have a look and see if anything takes your fancy!
Do you have any advice for anyone who is hoping to find a better balance between their work and their personal life? Comment your ideas below! 🙂