We all have to tighten our belts these days, no matter how much we earn. To stop money slipping through your fingers, consider the following:
Things You Will Need
In the home
Are there more rooms in your house than people? If so, switch to a water meter. Savings can be as much as Â£28 a month.
To further save water (and therefore money) use bath water to flush toilets.
Bath water can also be used to water gardens and lawns.
When you switch one light on â€“ switch one off.
Put your heating on half an hour later than you usually do (or wear extra jumpers).
Don't buy expensive cleaning products â€“ just buy a large bottle of white vinegar. It is an excellent cleaning agent.
Spend a few hours going through your bank statements. Identify any unknown Standing Orders or Direct Debits - if they are not needed â€“ cancel it!
Visit one of the many money-comparison websites and get a better deal on your car/house/contents insurance.
Contact your local council if you live on your own â€“ you are entitled to a single-person reduction on your Council Tax (currently 25% of total charge).
Pay bills online and save the paper bill charge.
Always go with a shopping list and an open mind â€“ if you spot a bargain, buy it and adjust you weekly meals accordingly.
Shop towards the end of the day when many items are being reduced.
One word of warning though â€“ only buy bargains if you are actually going to use the items.
Never go shopping on an empty stomach.
Never take your children/partner with you â€“ they will be tempted to add extra treats to your list.
Don't buy ready made sandwiches â€“ not only are they high in fat and salt, they are expensive. A loaf of bread and a filling will make far more sarnies for your family.
Christmas/birthday cards can be recycled but don't forget to cut off any white pieces of card and use for shopping lists.
If you have a short journey to make, consider walking! You will save money on petrol and parking not to mention the wear and tear on your car. The planet will also benefit.
Sharing a lift to work will also reduce costs.
Consider taking the bus â€“ discount tickets are often available â€“ contact your local bus company for offers.
Don't throw away envelopes that pop through your letter box â€“ just stick a label over your address and re-use.
Carrier bags (a necessary evil sometimes) can be used as rubbish bags or freezer bags.
To off-set your use of plastic carrier bags consider buying pretty re-useable bags and giving them as gifts to your friends.
Are your savings making money? Talk to your bank or building society about interest rates.
A few minutes spent looking at your finances now could save you hundreds in the future.
Tips & Warnings
Warning â€“ this article could save you money!!!!