Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Thursday, 11 April 2019

My top 10 money saving tips.

Hey readers, 

Who doesn't love to save a bit of cash when? you can with my top money saving tips.

1. Supermarket closing. 

Check out your supermarket before closing time. Grab them yellow stickers, don't worry they won't hurt you. You can freeze them, did you know you can freeze bread and milk, amazing how much you save by just doing that.


Shopping Cart, Shopping, Supermarket

2. Online coupons.

Before buying anything that you need to check online for coupons and discounts. simply just type in the item and see where the cheapest price is if you say you want a specific TV you can save a couple hundred if you look around carefully. don't just go someone, it is always important to do your research beforehand.

3.  My supermarket app. 

Download my supermarket app it is amazing to compare food from leading supermarkets and see where the cheapest price is to get that item. 

4. Hotdeals Uk.

Another great app is Hot Deals UK. On the app, you can see each product and the different prices from the major retailers on one page You can also get notifications when new deals come in.


5. Electricity. 

To save money on your electricity bill one easy way is to simply turn off your tv from the socket to save money. Why have the TV  on when you are not using it? You will be amazed at just doing that one trick will save you money.


Light Bulb, Idea, Self Employed

6. Travel Mugs.

Invest in a travel mug so you can take your own hot drink when you are going out, saves so much instead of going to Starbucks. There are some really cool designs in travel mugs and you are not wasting it on cups so helping the environment too win-win. 

7. Cash. 

If you do plan to go to supermarket or shop then take a set amount of hard cash and leave your money card at home, therefore you are forced to budget and not be tempted to impulsive buy items that you may not need. 

Five Pound Note, Cash, Money, Pound

8. No Spend.

 Make it a habit to have one day a week where you do not spend anything, you will be amazed at how easy it is to once you start doing it. I have also found that I am more likely to do productivity things that I need to do that I normally put off as I have that free time to use up.

9. Emails.  

 How many emails have you got that you receive from companies trying to entice you to spend? They like to remind you of what they have to try to seduce you. Don't fall for it and unsubscribe then there less junk and you can get on with saving.

Email, Newsletter, Marketing, Online

10. Packed lunch.

Instead of eating out or buying lunch at work invest the time to make your own lunch, plus it is much healthier for your instead of eating high fat processed food. 

What is your favourite money saving tip, I would love to hear in the comments?

Cheers for reading X 





   

Thursday, 7 March 2019

10 supermarket hacks

Hey readers,




Going shopping can be costly when you go with no plan and impulses kick in. We all want to save money so I have put together some tips on how to save money whilst going to do your supermarket shop.

1. List.

writing notes idea class

The first hack would probably be the most important one and that is to write a list prior to going shopping. It is important to stick to your list and do not buy extra things at the supermarket that you do not need. 

By writing down a list you already have a pre-understanding of what you want so you are prepared to get it and get out. You don't have to waste time looking for things and decided because you already have the plan in place.

2. Brands.

Instead of buying branded items swap to supermarkets own version because at the end of the day most of the time you are paying for the name. Don't be put off by supermarkets own food because it can be just as good but half the price.

3. Stomach.

Make sure when you do go shopping that you don't go on an empty stomach as this will make you want to buy something on an impulse which intern means wasting money.

4. Online.

Image result for my supermarket app

Check online for supermarket vouchers or offers, preparation is key. A really good app to download is my supermarket where you can search for a product and compare the prices of the different supermarkets to get the cheapest deal.

5. Supermarkets.

A brilliant way to reduce your supermarket shopping is a swap from the main supermarket to a more budget-friendly one such as Aldi or Lidl.
 You will be amazed at how much you save but do be careful when going down the middle aisle as we all know the delights there.

6. Supermarket deals.

You may think when it comes to a supermarket deal where you can buy 3 items for 2 or BOGOF (buy one get one free) you are saving money. Firstly you have to ask yourself do you really need this and if so work out the maths because sometimes it can cost more then actually buying the item singularly.

7. Vegetarian.

woman carrying basket of fruits and vegetables

Try having meals without meat a couple of times a week can save you money as meat is expensive. There are plenty of delicious recipes that don't need meat so don't be put off and give it a try you might be amazed.

8. Pre-made items.

Save money on buying pre-made items such as vegetables, buying it pre-chopped could cost you more. Also regarding ready meals can add to your budget, it is much better if you have the time and skill to cook from scratch to do it that.

9. Bulk meals.

A cheap way of saving money on the grocery shop is to up the amount of food so that you can batch cook and freeze meals for a later date not only does this method save you money but it also saves you time, win-win.

10. Yellow stickers.

Yellow stickers are where supermarkets knock down prices of food when they want to get rid of it because it is close by it's sold by date. It is ok to buy yellow stickers, people seem scared of buying yellow stickers.  I have done for many years and not been poorly. The date of the food is short-lived so a tip would be to freeze for the food and can use it at a later date.

Hope you have found these tips useful.

Cheers for reading X

Saturday, 19 January 2019

10 ways to save money on your energy bills.

Hey readers,

It is January and we are all looking for ways to save money, One expense that costs a lost is electricity below, so let me tell you some tips on how to save money on your energy bills.


1. Thermostat.

Honeywell home wall appliance

A simple way to cut down the cost of your energy bill is to simply turn down your thermostat by 1c can save up to £75 per year.

2. Layers.

When you feel cold don't instantly whack the old heating up but put an extra layer on with jumpers, socks, dressing gown etc. Even having throws can help a great deal.

3. Warm drinks.

person holding cup of coffee
Another way to stay warm is to have a warm drink can help you feel instantly warm.

4. Appliances.

If your not using appliances turn it off and even turn the tv off at the mains. Don't have lights on if someone is not in the room it is a total waste and can save you a lot of energy.

5. Washing.

person using white front-load washing machine

When you are doing your clothes washing it is a good idea to change the temperature down 10 degrees for example from a 40 to a 30c can make a huge difference on your bill and could potentially save up to £52 per year.

6. Draught proof.

Did you know a cold draught can cause you to lose heat and money so it is important to get your home draught proof because it can be easy to just think to turn the temperature up especially in old homes? A thing that you can consider doing in your home is draught excluders and investing in draught proofing kits.

If you don't have double glazing them you can get plastic trimming to go around your window to stop the draught coming in and keep the warmth in the room.

Line your letterbox and if you have a chimney that is not in use then seal that up like that can easily save you £25 per year.

7. Hot food.

pasta dish on plate

Don't put hot food into the fridge or freezer straight away as it messes up with the temperature of the fridge, it is better to give the food time first to cool down and then store it in the fridge or freezer.

8. Shower.

Instead of hitting the bath first swap over to the shower and try to make your showers no longer than 10 minutes as this will reduce the amount of heated water that you use.

9. Hot water.


Check the boiler on the temperature that your hot water is at and think about trying to reduce it just by one degree will make a massive difference to reducing the energy you use.

10. Turn off.

Make sure that if you don't use a room regularly to turn down the radiator and make sure that doors are closed and curtains/blinds are drawn in the evenings to keep the heat in and room toasty.

What methods do you use to help with reducing your energy bill?

Cheers for reading X

Sunday, 30 December 2018

Ways to stay warm in winter.





Hey readers,

During the winter period, it can be very cold - in and outside of the home. I here am some ways that I have found helpful to stay warm during the winter months.

Firstly let's look at keeping your self-warm when you go outside. I think the key element is to focus on your laying of clothing and making sure you have the right garments for the temperature outside.

Maintaining Heat.

It is important to maintain your temperature so doing things to keep warm such as using a hot water bottle in bed. Making sure that you have at least one hot meal a day.  Having a hot drink is a quick way to keep warm at home.

beautiful beauty blond blur

Stay active.

Another way to stay warm is by moving about and being active. It is recommended that you get up every hour to move about and get the blood circulating which will, in turn, help keep you warm. Doing moderate exercise can also help keep warm, even if it is doing some situps or wall pushes this will help towards staying warm during winter.

The layering of clothes.

So this could be wearing long sleeve and trouser pyjamas at night or even wearing a dressing gown and bed socks. Having cotton, silk or wool will be more warming as opposed to synthetic materials.  You can also have a top under a top and check out thermal clothing to give that extra layer of warmth.
When going outside have suitable footwear, socks, hats, gloves and jumpers will keep you cosy in the harsh winter weather outside. The good thing is if you are getting hot from walking you can remove the layer and vice versa putting back on the garment when you are getting cold.

Weather.

A great tip for keeping warm at winter is making sure that you are on top of the weather forecast and knowing what the weather of the day will be like. This then prepares you for what the weather is like outside so you can wear suitable clothing and if the weather is bad to consider going out at all. Also if you drive you will be conscious of what the roads will be like and if you have the right tools to make sure that car is good enough to see out of when driving.

christmas home house light

Blankets.

Blankets are a Godsend during the winter as they keep you warm - especially with a hot water bottle underneath when you are in the living room watching TV or reading a book. plus they keep you cosy when it is cold and dark outside.

Warmers.

A brilliant product you can purchase is hand and feet warmers. Feet warmers are designed to stick on your feet and once open can last up to 8 hours. With hand warmers, you hold them in your hands and they give off heat. Perfect if you are working outdoors or just being outside a long time in the cold weather.

Insulate your home.

When at home making sure that your home is insulated by closing the doors and curtains and when the sunshine is out to open curtains to the let the sunshine heat warm a room up. Seal gaps that let the cold air in it

Bath/shower.

If your cold in your home try talking a hot bath or shower to warm your skin up and then get into some cosy pyjamas.

Air.

seal gaps that let cold air into the room with draft excluders or weather strip around the windows.

Cheers for reading X