5 Ways to Save Money Every Month
5 Ways to Save Money Every Month
Times are tough for many people living in the United Kingdom and right now we all want to save money wherever we possibly can.
You may feel that your finances are already stretched and that you have very little chance of reducing your outgoings at this moment in time, but by using the following 5 insider tips given to us by money experts, you may just find that you're wrong
Tip 1: Review your finances
When we say review your finances we mean everything. Review your Mortgage, your credit cards, loans, Insurance policies. If it's a financial product and you're paying out for it, review it. Speak to your creditors and providers and find out what you could potentially do to bring your monthly costs down. If like most people you have been avoiding thinking about it then now is the time to stop avoiding this and to make it a priority. This alone could save you a significant amount per month
Tip 2: Figure out what you really need
Too many people pay for things that they don't necessarily need without ever really thinking about it. For example, many people pay for a gym membership when they could exercise at home or outdoors for fee. Some people pay for mobile phone contract when they could just buy a pay as you go phone. If it's essential as far as you're concerned then keep it, but if not then consider getting rid of it
Tip 3: Slash your utility bills
Most people receive a utility bill and simply pay it without ever really considering why they are paying what they are paying. You can make huge reductions in the cost of your utilities by changing provider and generally being more careful about how much Gas and Electricity you use. For example, consider switching to energy saving light bulbs and don't leave appliances on stand-by when you are not using them.
Tip 4: Keep a close eye on your Bank Account
Taking out money here and there a bit at a time can all add up and you can have spent a significant amount before you even realise. Keep track of when you are taking money out from the cash machine or using your debit card and make either a mental or an actual note as to why. Review this at the end of the month and you may be surprised at exactly where your money is going
Tip 5: Look out for a bargain
If you are doing your weekly food shop consider opting for a cheaper brand, take advantage of special offers and only buy what you need, Consider shopping at your local market instead of a supermarket and you could save even more. If you are clothes shopping don't opt for designer brands and consider buying clothes only when the sales are on. Whatever you are looking to buy, shop around for a bargain and keep those extra pounds in your pocket instead
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