Tuesday, 28 March 2017

Time for a Spring Clean ?

If you want to save money you have to do something about it, most of us have financial goals, so instead of just dreaming of what you would like to do, you need to take action.

Keep a spending diary - you will be surprised just how much all those extras add up.

All those coffees out and shopping sprees all add up. See what you can do without, do you really need to buy those lovely shoes in the sale when you have a cupboard full of shoes? 

Look at all your bills and utilities, see if you can a better deal, it is not difficult to change suppliers. Don't pay more than you need to, spending a little time researching could save you hundreds.

Keep a rainy day fund for all those emergencies - we all have them , be prepared. If you are prepared you won't need to go and borrow/use credit. Even if you can't save much, you can still save any change, it adds up quickly.

Think about your pension, don't leave it until you are retired, you want to have a enjoyable retirement without thinking I should have put more in the pension pot but it's too late now.

Kick all your expensive habits.

Cook up some savings - go yellow sticker shopping, yes you might not want to go out of an evening searching for yellow stickers, but make an effort it can save you so much money, you can make savings of up to 75% sometimes.

Have a few meat free meals, or light meals a week like soup. Cheap and cheerful.

Stop worrying about what people think of you and just do it, some people might not like or agree with some of the things we do  to save. But do I care - NO.

If you want to make changes to your lifestyle then just do it, make an effort, it will pay off and you CAN and WILL reach your goals.

Stay positive and focused.