Pennies will soon grow into pounds
Economising can save you plenty of money
Its nice to splash out now and then
You can feel like a penny pincher
Making your hard-earned cash go a little further has never been so easy, or so important. With banking institutions around the world struggling to survive, it would seem that no occupation or business is safe.
However meagre your current income is it would be wise to save a little cash, if possible. Unless you are already unemployed, or struggling to make ends meet at all, you should be able to put a little away. Remember that when those rainy days come it may not just be drizzling but bucketing it down.
A good way to enable you to have a little spare cash to save is to economise. I have already written about economising on your energy bills but what about economising on a few other household expenses?
If you use the car to drive in to work, consider car sharing. As long as your companions are trustworthy and you feel safe with them this could be a great way to save some money. Post an advert on your work's Intranet or the notice board at work in order to find suitable people.
Better still how about considering using public transport. This can save you money especially if you normally have to pay car-parking fees. Check out your local transport services for special deals such as reduced prices for weekly tickets.
If it is possible, think about walking at least one journey to or from work. You will need to work within a reasonable distance of your work but, the bonus will be, you will be much fitter. Make sure though that you do not compromise your safety.
Household grocery shopping.
Sensible grocery shopping can save you money quite easily. Buy larger items as they usually work out cheaper. This also usually applies to BOGOFFS, buy one get one free offers, and multi-packs. Bear in mind though that if you do not really want two loaves of bread one may waste. You will also need to ensure that the sell by dates are far enough away so that you will use what you have bought in time. Items such as bread can be frozen though for future use.
If money is tight check your home store cupboards before you shop. Make a sensible shopping list, take it with you and make sure that you follow it to the letter. If you are prone to snap decisions and hasty, silly purchasing, a list should help you to spend wisely.
Many people find it better to have planned some menus in advance for maybe a week. This way you will know exactly what you need to buy and what you are going to use it for.
Some supermarkets have increased their prices a great deal lately. If this is true about your usual supermarket, shop around and find a better one. It is a buyer's market in some ways these days and you should be able to get better value elsewhere.
Do not over-shop as you may end up with all too many perishable items wasting. Really think about what you buy and how you can reduce costs. Expensive treats such as cakes and chocolate may be nice occasionally but do you really need them? Apart from anything else, they are not good for you.
Look at changing from well-known brands to perhaps the cheaper store's own name brands. These are usually just as good but much cheaper. Do not pay through the nose just for a name or a label.
Beware of Sales as you may spend unnecessarily. It does not matter how cheap something is, if you did not really want the item, or need it, then it is not a bargain.
Have a loose change jar or two around the home and see if you can all get into the habit of placing your any spare coins in them. You will no doubt be surprised just how much you can save this way. It also means that if spare cash gets very tight there will be something to fall back on.
If you think about your shopping, and do not simply grab your normal purchases, no matter how much they cost, you should be able to save plenty of money. Try not to be a stick in the mud and change your shopping habits as and when necessary. As prices change, it is far better to be flexible in your shopping than buy the same old goods but pay more.