We are always looking for ways to either save money, increase our income or reduce our outgoings. Or preferably all three. Here are a few more ideas on saving those pennies.
Don’t keep up with the Jones’ – Probably one of the biggest ways you and decrease what you spend is to be happy with what you got. There will always be people who have more than you. They will have better cars, nicer homes and a zillion and one more outfits. So when you go to buy something ask yourself if you really need it or are you buying it to keep up with everyone else or to try and make yourself feel better.
Use A Dishwasher – I never was convinced on this one but apparently putting a dishwasher on when it is full is cheaper than washing by hand.
Use Cash Not Card – if you have a credit card hide it away and don’t take it with you when you are shopping. If you can spend what is physically in your purse or wallet and your handing over actual cash, it makes you think more and spend less.
Budget and Stick to It – Mum taught me this one and its probably the best bit of advice she ever gave me. Sit down and work out your budget. Work out all your incomes and outgoings. She went a step further and had envelopes for each category as back then wages were always in cash and weekly. With most things now done monthly and through the bank you could set up a bills account to have all your bills paid from and have a separate account or withdraw money and use cash for groceries. If you have only a set amount to spend you can’t go over and spend more than you should.
Walk It – Not only good for the environment and your health but also your wallet or purse. If you can, walk and leave the car at home) It may save you a few minutes in the car and might not get so wet but if your need to save money walking is going to save pennies.
Pennies Mount Up – It’s easy to say something is just cost pennies or that you’re just saving a few pennies but those pennies mount up. Having a change jar can also help and will show you how much those pennies mount up.
Plan, List and Savvy Shopping – With the weekly or monthly food shop plan out what you’re going to eat. List what you need and then just buy what is on your list. Oh and keep an eye on prices. Brands are normally more expensive than supermarkets own brands but not always.