We Brits are a nation of spenders, not savers. However, we all need to put away money to cover any unexpected expenses. With a little planning and budgeting, it’s quite simple to do just that!
So here are some simple money-saving tips!
BUY FOOD AND GROCERIES ONLINE
For many years, supermarkets have focused on ‘impulse buying’ – encouraging people to buy more than they had intended to buy.
They use all sorts of tricks, such as placing offers at the front of their shops, in an attempt to influence shoppers to make spontaneous purchases.
Most people will buy eggs and milk during their weekly shop, and these products are invariably placed at the back of the shop so that shoppers have to pass a vast array of tempting products on their way to buy the basics.
Many supermarkets have in-house bakeries and patisseries with tempting smells to lure us into buying more than we had planned.
How many of us have bought a bar of chocolate or packet of sweets as we waited at the checkout? And you cannot fail to notice that these are all placed at a height where children can see them and nag their parents into making yet another unnecessary purchase.
Buying online cuts out all these impulse purchases.
Nearly all the major supermarkets can deliver to your home, and if you order enough they often deliver your shopping for free.
By ordering only the items you need, you’ll not be tempted to purchase that extra chocolate cake that’s on offer! Nor will you be as likely to go for the ‘buy one get one free’ offers.
Furthermore, if you sign up to a loyalty scheme, you’ll get money back which you can spend on petrol or other supermarket products.
SEARCH FOR ONLINE VOUCHERS AND SAVE MONEY
Before you buy anything online, do a quick Google search for a list of websites that offer discount codes. It’s more than likely that you’ll find vouchers that could save you 10% or more on your shopping bill.
Money Saving Expert has a list of these codes, so take a quick look there first.
WATCH TV PERFECTLY LEGALLY WITHOUT PAYING A LICENCE FEE
Previously, you only needed a TV licence if you had a television set; yet the internet age means the rules have changed with the onset of streaming.
If you watch or record live TV broadcasts on your television, you need a TV licence. This also applies if you watch BBC iPlayer.
However, you do not need a TV licence if you only watch programmes and content that are not live on television – apart from BBC iPlayer.
TV programmes that have been downloaded or streamed after broadcast on other catch-up services do not require a TV licence.
There are plenty of free sites available on the internet, so check them out. They may be all you need, except if you want to watch live sport. This can save yourself an annual licence fee of £150.50.
USE YOUR PHONE AS A SAT NAV
Your smartphone will have GPS, so you can transform it into a free sat-nav.
WAZE is a brilliant app for your phone and is very simple to use. Just like a good sat-nav, you simply tap in the address you want to go to, and that’s it! It will show you the route and give you directions as you drive. It also updates your route as you travel to avoid traffic jams and accidents.
Just applying some of these simple little tips could save you hundreds of pounds over the course of a year.