1) Set yourself a BUDGET
This sounds really boring I know. You cannot possibly be in control of your money if you do not have a budget. Check out my spreadsheet for this if you need help.
2) Ask yourself if it is a NEED or a WANT.
My biggest tip is to ask yourself, do I need this or do I want it? If you want it, can I afford it? If you have debt, the answer is no!
3) Check – Have you budgeted for it
If so then it’s fine, if not then…
4) Ask yourself if its worth sacrificing something else for it.
Even if you don’t have debt, you should ask yourself if the purchase is really worth sacrificing other things for. For me it is family holidays.. is this make up item, or piece of clothing more valuable to me than saving for a family holiday. The answer for me is nearly always no.
5) Shop around for your budgeted items
Such as energy, insurance, entertainment packages. The price comparison sites are easy peasy to use and save you hundreds of pounds.
6) Use vouchers for meals and days out
Tesco clubcard, Vouchercloud etc.. Just google where you are going and get a voucher. Or do as I do and only go to places where I can get a deal!
7) Find family days out for free!
We are surrounded by beautiful countryside. Take a picnic and a ball and you’ll have a good time.
8) Borrow ‘stuff’ instead of buying it
If you need a ladder for a one off job or a chainsaw to cut down one tree. Don’t buy one, ask neighbours, friends or colleagues. Or even local facebook groups! Someone is bound to have what you need.
9) Get rid of clutter and sell it online
Use eBay or I sell lots of stuff on local facebook groups. Especially baby stuff which is used for 5 minutes!
10) Get rid of memberships and subscriptions you don’t need or use
This includes gym memberships but also if you don’t have time to watch netflix, listen to spotify etc. Ditch it!
some bonus ones also include;
Do your food shopping online to stick to your budget as you will know what you are spending.