If like me, you have set yourself goals/hopes and dreams for 2018. One of them maybe to save money after spending too much at Christmas and are so scared to have a look at your bank balance and hiding from the postman with all the credit card bills. I have come up with 18 ways to save some money in 2018 with a little help from my blogger friends.
#1 365 Challenge
You may have seen this floating around on Facebook, you have a list of the 365 days of the year and for each day you put money in a pot. So for example on day 1 you put away 1p and day 2 2p and on day 3 3p and so on. Some people are put off by this as around Christmas and New year you do need to put so £3.00 a day away so I am going to do it slightly differently. I am going to print the sheet out a pick an amount each day and put it in. So, months where I know we have no birthdays, for example, February is a good month for me I can have days when I put £2.00 away. As long as you are putting away every day you will get to the end amount.
Total saved £667.95
#2 Bank Skimming
So, this is not as dodgy as it sounds. What you do is when you have an odd amount in your bank account for example £10.89 you transfer the odd 89p into your savings account and it’s up to you how often you do this you can do it daily, weekly or monthly. Some banks do already offer this service and also a company called Plum who advertise on Facebook and you can set it up through messenger. But as it’s so easy to do you could easily do it yourself with internet banking. If you want to go find out more about bank skimming pop over to Emma at my debt diary.
Total saved: £324.85 (based on 89p a day for 365 days)
#3 Brand swap
This is a great way to get your weekly shopping bill down, with the average family food shopping coming to £53.20 (source: the money advice service). Is to swap a few of your usual brands for shops own brands. I am a massive convert of Lidl’s and love their alternatives to Pringles and oats. The other day my partner tried their coke as a mixer for his whiskey and said he couldn’t taste the difference it was 42p a bottle for 2 litres compared to £1.66 for the same amount in Tesco’s a massive £1.24 saving. Try just swapping a couple each week and if you love them great if not swap them back again you never know what you may like until you try. Amy Jane from amyjaneandbaby said swapping expensive nappies and wipes for the own brand ones has made a massive difference for her and her family.
#4 It doesn’t always pay to be loyal.
You don’t always get the best deal from companies you have been with for years and sometimes they give better deals to new customers. There are great comparison sites for car insurance and they also offer your perks like compare the market, offer you 2 for 1 on cinema tickets. U switch is great for household bills like gas and electricity. If you do want to stay loyal then Jenny from mummy mum saver, money maker said, Always check the tariffs you’re on for things you pay monthly like utilities and even TV subscriptions, try and haggle if you’re not happy, you’ll usually get some discount.
#5 Bargain hunting
If you can try not to pay full price, for anything you buy. It’s not always possible, but look around for codes and coupons, emails are also a great way to get discounts from companies you have already shopped with. Over Christmas, Argos were sending out vouchers to people through email with no minimum spend. I was lucky enough to be one of those people, so when they had the Amazon Dot on offer for £34.99. I also used my £10 off voucher and got it for £24.99 half the RRP. I share the bargains I find on my Facebook group Budgets and Bargains.
#6. Cashback sites
If you do a lot of your shopping online.It’s a great idea to sign up to the cashback sites like Quidco and Top cash back the give you money back on the things you buy from high street brands. Another great one is boom25 a bit different to the cashback sites you shop the same way through them. But every 25th approved purchase is refunded back to you via your PayPal account. You don’t need to make 25 purchases it’s the 25th person on their site.
#7: Supermarket loyalty
Every supermarket wants you to come back and spend your hard earn cash there, so they give you a little incentive. Tesco offers its Clubcard where you can earn 1 point per £1 spent and get vouchers sent through the post every few months but also available through there app. You can scan it from your phone in store, as well as spending them in coupon style. Or you can save them and spend them thought there partners and get days out. Asda have a bit of a different one and offer you money back if products you bought were cheaper elsewhere, simply go onto their website with your receipt and follow the instructions, you do have to print the voucher off if you are given money back and attach it to your receipt and take to the till with you next shop. Beth from twinderelmo.co.uk managed to get £40 off her Xmas food shop by cashing in her nectar points she accumulates over the year, just by doing her normal weekly shop.
#8: Leave things in your basket
Did you know if you shop somewhere online and have given your email to them somewhere along the line If you put something in your basket and leave it a couple of days. They will normally email you telling you have left something in your basket and offer you money off. I did this the other day with Lloyds Pharmacy and they sent an email to me offering 20% off what I had in my basket. I also did this with Very I liked a bag and a few days later they sent an email offering £51 off the bag. So I got a Ted backer bag for £119 instead of £170.
#9 Meal plan
This one is quite obvious, but it really does help to plan before you go shopping, as you only buy the ingredients that you need and saves waste. I know for me if I do not plan I will go food shopping at the weekend and come mid-week. I will be going to Tesco walking around with my partner and girls asking what they fancy for dinner. I can do this a few times a week and spend £10 a go on top of our weekly shop. Another great reason to meal plan is you can create healthier meals instead of buying crap like pizzas and ready meals which we all know aren’t going to help us lose weight.
Helen from http://www.welshmumwriting.com/Welshmum also gives these tips. Plan your meals for 1-2 weeks in advance and write your shopping list around that. Aim to use everything that’s already in your cupboards and freezer first. Only buy what you need and go with your list. Don’t buy anything that’s not on it. Shop online if you are too easily tempted but if you can stick to a list get your basics from the cheapest place and ditch the cards. Set a budget for the week and take that out in cash and only use that.
I have designed a meal planner that you can print out and use it also has a cut-out shopping list so you don’t forget anything when you go shopping.
Who doesn’t love eBay? I love it and over the years, I have bought and sold things from furniture to clothes and got some amazing deals too. I got a dressing table from there years ago. Went to pick it up and the lady told me that as well as the top it had on there that she also had a brand new one. So once I got it home and put the new top on it looked brand new and its still going strong now. Kate from the mum conundrum has also added, “Buy clothes bundles, rather than individual items, on eBay for your kids. Saves a small fortune, especially if you look out for larger bundles of the right size clothes. “
If you want something new and updated, why not try upcycling your own? Its cheap, fun and you will have a one-off piece that’s unique to you. Emma from Emmareed recently did this with a chest of draws and pine wardrobe for her baby’s room. Pop over to her blog Emmareed to find out how she has done it.
#12 Employee peaks
If you work for a company, why not check your employee peaks. Most will have a website just for these and will give you the details when you start. If not speak to your manager, I’m sure they will be more than happy to help. My employee, Sodexo offer us discounts on cinema tickets, they have their own points scheme too. So if I buy products from companies they are partnered with. I can earn wow point and when I have enough I can use them for money off shopping with the partners. They also do a cycle to work scheme where you can get money off a bike and stuff. Irina from wavetomummy.com gets 5% off supermarket gift cards which she can use for a normal food shop. She also pointed out that a lot offer childcare vouchers and other money saving vouchers and corporate memberships to gyms and entertainment!
#13 Cashback apps
I must admit this is not one I use myself but sounds like a fab idea, so the words used here are from Katie at mumof2point5
“Download cashback apps on your phone. Personally, I use Shopmium, Checkout Smart, and Shopitize but there are others out there depending on whether you are on iPhone or Android. These work by giving you the cashback after you have bought the item. You scan the barcode and send off a pic of your receipt via the app and then they give you the cash back into your bank account or PayPal. Some charge you a percentage if you withdraw the money when less than a certain amount (i.e. £20) but most of them don’t. Shopmium and Checkout Smart have regular freebies on them as well so well worth using them.”
Fakeaways are fast becoming a great new thing. If you haven’t guessed by the name or heard of them before, fakeaways are takeaways that you make your self. As well as being a whole lot cheaper, they are a damn of a site lot healthier for you. Debbie from my boys club sets a budget of £10 for a family of four and cooks their own fakeaway rather than spending £40-50 on one. Check out her Mexican one here.
#15 Online food shop
Another great idea is to do your shopping online. Not only do you not have to get your selves and all the kids out the door, and have the supermarket tantrums of, ‘I want that’. By shopping online, you can just buy what you need for the week but also you can take the time to look for cheaper options. A lot of supermarkets offer a discount on delivery. If you buy a year or 6 months delivery at a time like Asda. Who offers an unlimited grocery delivery for £5 a month with their 12-month delivery pass. Which will be on average £1.25 per week delivery, it is a £40 min spend though.
#16 Stop buying things you don’t need
Stop buying things you don’t need or already have. I must put my hands up to this one. I am bad for dresses and shoes. If there is a night out or an event like a christening I must buy a new one, why? Because I think people will come up to me and say you wore that for such and such or comment on my photo on Facebook silly, I know. Veronica from my parenting journey has made a new year’s resolution to spend more on experiences and not on material things.
#17 Have a clear out
After Christmas, we get so many new things. Well mainly the kids, so why not have a clear out and get rid of clothes and toys you don’t use anymore. You can either sell them on eBay/gumtree or your local Facebook selling group and like Vikki from family travel with Ellie you can pop it in a saving account. If you just want a clear out and don’t want any money for it. Pop it to your local charity shop or get in touch with a women’s refuse who will be more than grateful for your donation.
#18 Car insurance
If you drive car insurance can be one of your biggest outgoings. The big tip with insurance companies is of course to shop around, a month before your insurance is due to start looking. As insurance companies will bump up the prices if your insurance runs out tomorrow because they think you are desperate. If you are an inexperienced driver try to put a driver on your insurance policy, that has a good record and high no claims as this helps massively. And if you have more than 2 cars in your household multi-car is the best way to save. If the other person does have an accident it will not affect you as they are 2 separate insurance policies. By using these tricks this year, I managed to get my insurance down from £88 a month to £44 a month and I am under 30 with 3 years driving experience.
I hope these tips have helped on ways you can save your hard-earned cash and if you have any of your own you would like to share please do so in the comments.
Emma and the girls x
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