It can be hard to stretch your finances across the month. There are bills to pay, groceries to buy and unexpected expenses that may crop up. To help you out, we’ve compiled a few handy tips to help your money go further…
1. Shop-around for the best deals on insurance and household bills
When you receive a reminder to renew your car insurance, for example, it may be tempting to simply auto-renew. But these days shopping around online for the best deals is surprisingly quick and simple – and those savings you make will be sure to put a big smile on your face. Price comparison websites are great not only for car insurance, but for home insurance and travel insurance too. It’s also important to look into switching your energy supplier if you want to see a cut in your bills.
2. Consider buying supermarket own brands
There are big savings to be made over time if you switch from well-known brands to cheaper alternatives – and you won’t necessarily notice a difference. In fact, you may prefer the less expensive version. Supermarket budget ranges often stand up well against the famous brands, and will be easier on your wallet.
3. Cancel unwanted memberships
So, you joined the gym at the start of the year and have only been a few times – or not at all. You could be trying to convince yourself you’ll dig out your trainers and hit the treadmill next week, but maybe it’s time to admit the only thing getting lighter is your purse. Plus, if you change your mind about getting fit, but still want to watch your budget, consider working out at home or going for a jog.
4. Keep your eyes peeled for money-saving deals
Eating out can be pricey, so it’s worth looking out for vouchers and deals, which you can often find in newspapers or online websites. Wowcher, dealsdaddy and Groupon have some cracking offers, and also check out MyVoucherCodes, dealsqueen and HotUKDeals.
5. Plan your meals
Before you head out for your weekly shop, make a list and plan what you’re going to eat every day. This will lead to less waste and will stop you being tempted to buy unnecessary extras that all add up. And you can be savvier by cooking dishes in bulk such as Spaghetti Bolognese and then freezing leftovers for another day.
Of course, no matter how careful you are with money, from time to time you may find yourself facing unexpected expenses, such as car repairs or dental bills. This could be when a short-term loan comes in handy to plug the gap.
CashLady offers small loans online that can be borrowed from three to six months. You can borrow from £80 to £500 online with no hidden fees and a range of lenders to suit your needs.
** Note: This is a collaborative post