You like to save money right? Well you wouldn’t be here if you didn’t, but do you realise how much money you are losing when you shop? It’s a good job we are here to help! Our hints and tips below will help you save money without costing you time. [Read more…]
5 Ways To Invest Your Savings For Better Returns
Building wealth takes a lot of patience, hard work and a little bit of know how. You do of course need to earn a decent wage, find ways to reduce your costs where you can and set aside a little money each month.
4 Instances Where a Professional Surveyor Can Save You Money
Looking for a new place to live can be a time consuming, stressful and arduous process, but once you’ve found what seems to be the perfect home it can take almost no time at all. That stage seems to be where most would-be homeowners trip up, as they are so eager to just get all the paperwork done and sorted so that they can make their offer and move in before someone with a bit more money can swoop down and steal it from their outstretched fingers. We know it can be frustrated, to see your potentially dream home fall through right at the last moment, but it is important to make sure you have all the relevant information before committing to buy.
3 Tips for Saving a Buck Every Day on Groceries
Even the ocean is formed of the smallest drops of water – just as any amount you can save is formed of pennies. Setting aside a part of your paycheck each month is seldom the best solution, and raising your monthly income is most of the times hard. A better choice for most is either to try their luck with the online slots at all slots online casino – they are fun and have the potential for big money – or to save by being a mindful customer and shopping better for less. Here are a few tips to help you do that. Today we take a look at grocery shopping for less.
Five Fresh Tips for Saving Extra Money at Home
Saving money is not easy – sometimes it really needs a lot of research, and changing our habits into less expensive ones to have a long term effect. But, as the old saying goes, each penny not spent is an extra penny in our pockets, so saving is worth it in the long run. Here is a fresh collection of tips that might help you spend less.
Top Expenses You’re Paying Over the Odds For – And How to Save More
There are all kinds of expenses to pay for in a busy modern life. From rent and utility bills to car insurance and clothes, it seems as if all of your salary goes on the essentials you need to survive. Perhaps you think that you can’t cut your expenses any more than you already have, but there are probably several things you’re spending too much on. Sometimes your essentials aren’t quite as essential as you think, or you can change the way you spend on them. Even expenses like electricity and water bills can be carefully managed so you can cut them down.
Food
Food is, of course, essential to our everyday lives. But it may surprise you that you can save money on your food in ways you haven’t thought about. Some ways of saving might require you to change the way you think. For example, one way to make the most of your food budget is to avoid buying branded products. Many unbranded products, such as supermarket own brands, are no different from the products with big names. The ingredients are the same, and the taste is often the same too, but the price is much lower. It might be hard to let go of your favourite brands, but doing so will save you a lot of money. You can also save money on food by planning meals in advance to help you avoid the temptation of frozen and ready-made foods.
Household Bills
There are plenty of sensible ways you can cut down on your household bills. With the price of utility bills rising, you obviously want to reduce them in any way you can. Of course, you need to keep your family warm, clean and fed, which requires water, gas and electricity. But you don’t need to push your bills to their limits. Talking about gas bills, you can buy propane from a supplier that offers competitive rates and reliable delivery service (find one such supplier here: https://discount-propane.com/). By doing so, you can reduce your gas bills while ensuring that your family has enough fuel to stay warm.
In order to reduce electricity bills, you may need to look for energy-efficient appliances and turn lights off when leaving a room. Additionally, you can invest in solar energy or other renewable energy sources to reduce electricity costs. Don’t run the water unnecessarily and take showers, not baths. If you look at stats on cutting your water bills, you’ll find that you could save 50 litres of water by cutting your shower time by 5 minutes. Turn lights off when you aren’t in the room and don’t leave things on standby to save electricity.
Cars
If you drive, your car is probably one of your biggest expenses. There’s the cost of buying it, the insurance, tax, fuel and maintenance costs. You may think that all these costs are inevitable if you want to be able to drive, but there are ways to cut back. To begin, consider buying used cars instead of new. If you’re careful about buying and make sure to research and check each car, you can get a decent vehicle for a much lower price. Buying several used cars in a few years could end up cheaper than one new one. You should always shop around for insurance too, and get the best deal on any maintenance costs. Don’t always go with the first company you find.
Supermarket money saving challenge
Food prices always seem to be on the rise and a trip to the supermarket can be an expensive experience. There are a number of ways to ease the cost each month though by using coupons, loyalty cards, shopping at certain times of the day and setting challenges and goals.
The best place to start is to look at how much is being spent each month at the moment. Gather all the till receipts over the coming month and add it all up. Online personal finance software is a great tool to assist you. Include trips to any store where food is sold including local corner shops where quick visits for bread and milk have taken place.
After you have all the receipts, challenge yourself to reduce your spend each month. Start with a small reduction such as £20 and then take it from there. Many people aren’t aware of how to reduce their spend and so see the bills increase rather than decrease as items become more expensive.
A great way to save money is to find out when fresh produce is reduced each day. Every supermarket has certain times of the day when fruit, vegetables, bakery items, meat and dairy are reduced. There will then be a further reduction a few hours later when day to day items such as bread can often be bought for pennies. Although the items are short dated, they can be put in the freezer for the future. Don’t be shy about asking what time the reductions take place – they don’t keep it a secret and will be happy to tell you.
Signing up for a supermarket loyalty card will mean that you save as you shop. All major supermarkets have a scheme and it’s about finding the best one for you. You’ll be rewarded with money off vouchers or codes specific to the items you regularly buy and you can often use them online as well as at your local store.
If you buy branded or premium labelled items, there is a good chance that you could just be paying for the name or the packaging. Many own brand or budget brand items are often very similar to their more expensive cousins and you can save by ‘downshifting’ each time you shop. If you currently buy branded baked beans for example, switch to the supermarket own brand. If you buy own brand, downshift to the budget equivalent. Try the product and if you like it, carry on saving by buying again or even continue downshifting another level. If you feel you and your family don’t like a cheaper product, return to the previous one but carry on saving with all the other items you put into the trolley.
When you decide to organise your finances to start to save money on the shopping each month, you may feel you need an emergency injection of cash to pay such things as utility bills to give you a fresh start. Consider guaranteed payday loans as a way of easing your way into your new financial adventure as they will provide the solution to a financial shortfall. You can then start to save your way to financial freedom from your visits to the supermarket and know you will easily be able to afford to repay the loan on your next pay day with the savings you’ve already made.
This article was provided by http://www.thewigleyfamily.com