Year Round Ways to Save for Christmas

We have reached the middle of October now so it is perhaps safe to start to use the C word?  Combing the C word and the P word often strikes fear and terror into the eyes of people you talk to at this time of year, but I am going to say the words.  Christmas presents.

Christmas is a time of year that I love.  Finding the right gift for people is something that I enjoy and I take as much pleasure in locating the perfect gift (hopefully) as when it is received.  But presents take planning, not just the planning of what to buy for your loved ones, but also making sure that you can afford them and not break your budget.

With food costs and energy prices soaring in the last year(s), it is more important that ever to plan ahead for Christmas.  There are various ways that I plan for Christmas presents and making sure that I can afford to buy what I want.  So here are my tips for things that I do throughout the year:

Getting Your Cash, Back

It is something that can be easy to forget, but one thing that I do year round is use a cashback site.  As this is not a sponsored post, I won’t give you a link, but the one that I use is Topcashback.

I use this site as much as possible for my spending as well as searching out the best deals for home insurance, car insurance, vehicle insurance, travel insurance etc etc.  You can easy use it for things like food delivery, Ebay, there is much more on there that you realise and even the smaller amounts add up.  By doing this I usually manage to get £200 in my account by the end of the year.

It should be noted that you need to do this intelligently.  If you are using a discount code on the website you are buying from, then you generally will not also be given cashback.   So clothes shopping etc will generally not track for me as I usually only buy when I have a discount code that I can use.  

Keep Your Receipts

I also use a receipt scanning app where you scan in your receipts for points.  It only takes a couple of minutes to scan your receipts in for the day and by the end of the year I usually have £40-45 which can be transferred to my bank account, used as an Amazon voucher to buy gifts with etc.

Save Your Points 

One thing that most people have is a Boots card.  But there are definitely ways that you can use your Boots card intelligently in order to stack up points.  I keep an eye on the offers and try to buy in bulk when there are offers on for a few hundred points when you spend X amount.  I also buy my lunch there and all my beauty and hair products.  By the end of the year I usually have around £50 - £60 worth of points, which comes in handy for gifts and stocking fillers.

Double up on Rewards

Although this one only applies for people who are with EE, not many people seem to know about this (or use it), but EE have a rewards programme.

I have linked my current account and my credit card to the Rewards programme which gives you a percentage of what you spend.  Greggs at the moment for example gives you 10% back on what you spend there, places like Boots generally gives you 5%.

So by using this programme, I not only gain Boots points and points back on uploading my receipt (as discussed), but I also get cashback which turns into money that I can knock off my phone bill.

I have been using the rewards programme since January and I have been knocking £10 from my bill every other money, which equates to £50 - £60 per year which I save towards my Christmas shopping.

 By using the above and integratiing them into my daily life, overall by the end of the year, I have managed to save around £350, simply by making some small changes to the way that I shop and scanning receipts.

What ways do you save for Christmas throughout the year?

Steps to Take to Stop Unnecessary Buying

Are you the kind of person who discovers when you get home that you’ve managed to buy another leopard print dress that is almost identical to the two you have in your wardrobe? 

If you’ve noticed that somewhere between leaving the tills and taking everything out of your bag that the buzz of purchasing new things has gone, it might be time to start reassessing your spending. Here are some ways to manage your money and start thinking carefully about saving up.

Know What you Have

Take some time to assess your current finances. Work out your incomings and outgoings and look at what you’ve been doing with your disposable income. Look through the things you have already, from the gadgets in your kitchen to the shoes in the hall and note what’s there so you don’t start buying duplicates.

If something unexpected cropped up when you look through your statements from the last six months, alter your spending habits to account for similar sudden expenses in the future. For example, any home repairs or a car breakdown that you had to pay out for.

Once you know what you’re buying, you can start thinking of how you can plan your spending. Is there any way you can forego the morning coffee or the sales at your favourite brand in order to save some money? Making some small amends to how you spend your salary can go a long way to helping you save up.

Buy Things that Last

Do you need to get the latest phone or tablet, or can you hold on to what you have for now? If you’re someone who upgrades your tech as each new version is released, it might be worth investing in gadgets that are built to last a while in order to save money.

Similarly, if you have a dress that you love too much to wear or a car that you daren’t drive, you’re losing money in the long run. This is because you’re more likely to buy a cheaper version of the dress only to throw it away or pay for public transport to save making your car messy. Invest in something that’s high-quality that you’ll use again and again.

Avoid Temptation

If you’re a sucker for a sale or you fill up your lunch breaks by scrolling through promotional emails it might be time to make some changes. Start by unsubscribing to the sites that you know you’ll be most tempted by and try to avoid big events such as the January sales or Black Friday.

Unless you’re a savvy shopper, the bargains you think you’re getting won’t add up if you’re buying things you want rather than things you need. That’s not to say you can’t treat yourself every now and then but get the practical purchases out of the way first. 

Looking for more ways to save money?  Check out SavvyInSomerset for more money saving tips!

How To Cut Down On Your Car Budget

Whether it is needed your daily commute, ferrying the children around to various schools and activities or just for day to day life, a car has become a necessity to 21st century living.  

It does not matter if you live in the suburbs or in the city, a car is a convenience that wins over public transport every time in terms of convenience and speed to destination.  My journey to work for example takes 10 minutes by car, 30 by bus.

I am currently getting back into the car market after a long spell of public transport and I cannot wait to get behind the wheel again.  That said, I am conscious of the costs that come with buying, maintaining and fueling a car so I have been looking around for some tips to help bring down the costs.

Buy Used

If you are looking to be economical and don't want a car that costs the earth, the best thing to do is buy a used car.  I am in the process of looking at second hand cars in Brighton to find a car at an affordable price.

With buying second car, your choices also open up much more and you are more likely to be able to afford a model that you could not afford new, but a version just a few years older that you will love just as much.

Find a Reliable Garage

Whilst in the process of looking for a car, I am also getting advice and tips from friends and family in my locality for a great and reliable garage.  Maintaining your car, making sure that it is serviced regularly and properly (without it having to cost the earth) is one way to keep costs down.

You want to find somewhere that has been recommended by at least three other regular users and look out for comments on pricing etc.

Save on Fuel

Aside from insurance and maintenance, one regular expense for your vehicle is petrol.  There are many ways that you can save money in this area just by following a few of the below tips:

• Slow down - did you know that accordingly to AA research, dropping just 10 miles an hour on speed on the motorway can save you up to 25% in the cost of your fuel?

• Reduce the weight - do you need all the stuff in the boot of your car?  Do actually use that luggage rack on top?  If the answer is no, get rid of it.

• Be economical with the air conditioning.

• Keep an eye on your tyre pressure.

• Drive a manual car - automatic vehicles reportedly use 10 - 15% more fuel than a manual car.

Cut Down on Unnecessary Trips

How many times have you nipped to the shops, the supermarket or local town to buy something, only to return home and remember something that you forgot to buy?  I do it all the time.

To save making unnecessary journeys, pin a simple shopping list on your fridge and keep adding to it.  When you have 5-10 items on the list, go shopping and TAKE THE LIST WITH YOU!

How do you save money on your car budget?

*Collaborative piece

5 Tips To Sort Out Your Finances

I used to be a couple and utter scatter brain when it came to money.  If I wanted something, I usually bought it, without thinking of the consequences to my bank account, or credit rating for that matter.

This lead to credit cards, loans and ended up in a situation where I could barely keep my head above the water; but my head was buried in the sand.  After getting paid one month and realising the day after that there was barely anything left, I realised that something needed to be done.

I was getting to a stage where I needed help paying bills, my credit card bill was sky high and the dollars coming in did not match what was going out.  I managed to remedy the issue and my debts over the next few years and picked up some tips along the way which I thought I would share with you today.

Find out just how bad it is

When you realise that you had gotten yourself into a situation, everything has to come out.  Find out exactly what you owe, just how many credit cards you actually have, what you are spending your money on every month.

The first thing that I did was to look over my bank statements and credit card bills for the past six months to look at what I had been buying.  I made a chart with my justifiable expenses on one side, and the extravagances on the other.  I bet that you can guess which side had more entries.

Make A Budget

Sounds basic, but when I say make a budget, I mean for everything.  Break down every cent that is coming in and list everything that has to come out and on what date.  Make a 30 day planner and write down when bills are coming out and how much for.  If you are buying your lunches, make them instead.  STOP BUYING EXPENSIVE COFFEE SHOP COFFEES!

Be honest with your credit providers

When I realised just how much I owed to my credit card providers and loan company, I started to look at debt management companies.  Many seemed to offer the same sort of service, for a fee of course, which involved going to your credit providers and negotiating a lower monthly payment and a halt on interest.  I decided to cut out the middle man and go to them direct.

I managed to get my credit card company to freeze my account and stop any more interest going on.  I was completely honest about what I could afford and made a payment plan with them which was management.  Remember, they want their money back, what they don't want is you to stop paying completely.

I managed to make a payment arrangement with all of my debtors, with varying degrees of helpfulness from them.  But it did ease the situation and enabled me to pay them back faster and without the worry of demand letters and Court judgments.

Save

If you are trying to pay off your debts, can you really save?  Yes, but start small.  I was given a large piggy bank styled as a fashion boots many years ago and decided to put it into action.  I only put the smallest denominations into the boot, pennies, cents etc whenever I had them in my purse.  It took around 6 months to fill the boot and I was presently surprised just how much it added up to.

I would like to say that I used the money to pay more off a bill, but I didn't.  I did use it to buy someone a birthday present so that still counts, right??

What I also tend to do is take advantage of discount opportunities and vouchers codes from places like Dealsdaddy and Dealsqueen.  There are always going to be things you need to buy at some point, so why not take advantage of a discount!

Sell

If you have been throwing your money around for the good few years, the chances are that you own more stuff that even thought.  Go through everything and be brutal.  Sell what you do not need or had forgotten that you had bought.  Stuff will only ever be stuff and does not enrich your life, or your bank account!

Finally, don't beat yourself up about it.  It does not help.

You got yourself into that situation and you will get yourself out.  It will take time, effort, concentration and a stranglehold on your finances for a while, but you will get there.

Fast forward a few years and my finances back in order and I am saving for the first holiday abroad in 8 years.   Time for a long awaited cocktail by the beach.  I think I have earned one.

*Collaborative piece

My Dream House

As I have mentioned on this blog before, I am currently saving to buy my own house (slightly curtailed by the fact that I am going on two holidays this year!  Allowing myself however as I haven't had a holiday abroad in 8 years).

Although my saving had been slightly derailed, I have my plans in place including a lifetime savings ISA where the government gives you an additional 25% to whatever you have saved.  That's how you turn an £8000 deposit into £10000!

I want to make sure that I have enough money to do everything I want in the house.  I don't want to buy a house and then not do it up the way that I want.  While I am in a position to save and I am more than happy living with my mum (who is amazing!), it makes sense to save long enough to get everything I want.  

Ok, maybe not, but a girl can dream, right?

So what do I want in my new house?  Hardwood flooring is a must for me.  Easy to clean, classic looking.  I like clean lines, statement pieces and clever ideas to transport you to somewhere else.

I like white walls.  I am not afraid to admit it!  White is the perfect backdrop to create any look that you want.  A perfect look for the lounge which should be comfortable, uncluttered and not fussy with a statement piece such as a huge print on the wall rather than having a feature wall.  A comfortable settee and a large TV for watching all of those box sets is also a must.

I love something like this, although in my mind you need to have a bright colour in there somewhere.  Perhaps some colourful cushions on the settee to go with the modern style furnishings.

I love the idea of using wall murals such as I featured in my link to completely change a space.  Have a room with no window?  No problem.  Turn it into an office, paint the walls white and use a full wall mural to create a view of Paris.

The one place that I do want a sense of opulence and utra comfort and style is my bedroom.  I dream of a thick carpet, a big bed, furnishings with a nod to French boudoir style.  A dressing table (something I have never had!).  

Your bedroom should be calming, comfortable, an escape and more than anything, a place of retreat and escape.  My dream, although I will never get that with my first, or maybe even my second house, would be to have a little balcony leading off the bedroom where I could sit and have a coffee and look at the world.

So what do you think of my dream house?

All images from Pixabay with exception of mural photograph which is obtained from a previous blog post.

Score With Your Credit

Saving is something that we all strive to do.  Whether you are saving for someone's birthday treat, a holiday or in my case, saving for my future move; we all have times in our life when we try to actively save.

When you are living from payday to payday, trying to save and conserve your money can be challenging, but there are a few tips that I have picked up over the years that can really help, while still letting you enjoy a few things that you enjoy.

You Don't Need To Cut Out That Treat Coffee

Coffee is life.  For me anyway.  The idea of the cheap ground coffee that we have in the office makes me shudder.  I NEED real coffee.  But can I justify the daily trip to Starbucks?  No.  The £3-4 pounds a day I would, and have, spent in the past would be better placed in my savings than wasted on a temporary coffee hit.

One way to work around this is to buy your own fresh coffee and a one cup cafetiere and take them to work with you.  Get to work ten minutes earlier and you can make your coffee without the boss complaining of the extra time involved and you can start your day with a delicious coffee hit.

Cashback on your Purchases

We all love shopping and sometimes, even when you limiting your clothing and shopping budget, you may need to replace your favourite makeup product or buy a necessary kitchen appliance.

I have signed up to a site called TopCashBack which gives you cashback on online purchases.  Yesterday I wrote about the makeup products I use and one of them is Benefit Dandelion Powder , which is currently on sale in LookFantastic.  You can get up to 10% cashback on that site and the cash can surprisingly really build up.

Use a Piggybank

I have a long pink boot shaped piggy bank that I throw my spare change in.  The thing about piggy banks is that they are very tempting at the end of the month to break into when you are short on cash.  
The way that I combat that is to only save certain denominations of coins so that you would need a lot to make a difference.  I only save copper and 5, 10 and 20 pence pieces so that it does not tempt me to dip me.  

Having a larger piggy bank means that you can save for longer and get a nice surprise when you take it to be changed.

Keep An Eye On Your Credit Score

If you have a poor credit rating like me (damn carefree shopping years), it is important to keep an eye on your credit score and work hard to improve it.  You can check for free these days and it can really help in improving score.

Things to work on are not necessarily the bigger balances that you need to pay off.  I always used to focus on paying off the bigger balances and paying a minimal amount on the smaller ones.  But paying off those smaller ones can help to improve your score so bear that in mind.

Hope the tips help, happy saving!

Tips for Saving in 2017

We all have many New Year's resolutions that we hope will lead to a better life, but so often those goals fall to the wayside only to pop back up for another failed attempt again and again. 

Things like "Dry January" is the obvious one but let's face it: savingmore money has to be a close second. If you have health and wealth you're in pretty great shape, but the problem is that often too many people try to make huge, sudden, and massive changes and it proves to be just too much. 

So what types of small, easy, and basic tips can help to make sure you actually make your financial goals in 2017 instead of having to make the same resolutions for 2018?

#1: Plan Your Savings Goal

Without a plan, you have no chance. If you don't know how much you want to save in a year, you're not going to make that number. If that's the only number you have, you can't break down what you need as monthly and weekly goals. Choose a reasonable goal, give yourself a little bit of leeway (but not too much - like planning out 48 or 50 weeks instead of the full 52), and set up a spending and savings plan that can help you reach that.

Self discipline is much easier when you have a clear path and plan to follow.

#2: Get Rid Of Temptation

You can't be tempted if the temptation isn't there. One of the best ways to save is to have part of your check sent to an account in another bank, one which you cut up the debit card for or don't set up online banking - meaning it would take a lot of extra effort to go and raid your savings. The harder it is to do, the less likely you are to do it.

#3: Track Expenses For One Month

Two months is a little better, but one month is generally enough. This is tracking, not budgeting (though that is also a good idea). You want to see where every single penny of the money you're spending is going so you can make a realistic accounting of what your actual expenses are.

Use this to trim the fat and make small changes for big savings.  I tried this earlier this year and found to my shock just how much I was spending on my morning coffee.

#4: Set Up A Budget

This is generally best done after tracking expenses for a bit so you're not underestimating expenses or overestimating your resolve. There are plenty of resources for creating and sticking to a budget so take advantage of them!

#5: Take Advantage Of Small Adjustments

Using coupons for the first time, buying stuff during sales, or even making small adjustments like "the cheapest soda" versus "brand X at full price" are all little changes that can make life altering differences when all the savings are added up over the long term.

#6: Use Technology To Your Advantage

This could mean finding great deals online that are better than what you can get in person. This could also mean activating rewards programs for a credit card (although not using one at all is better if you can manage that) or there are even high quality saving apps that can be set up to make saving money relatively painless and much easier than using good old fashioned resolve, there are also a lot of money saving apps, aswell as finding freebie and free sample sites.

#7: Reward Your Momentum

You know what makes willpower much easier? The occasional reward. If you track your momentum so you can actually see yourself gaining on your goals then you are going to be encouraged and keep going with that. Don't completely starve yourself of fun. There's no reason for it, and that is often counter productive. Check on your progress every so often, make corrections or increases as you see fit and give yourself some small little celebration for making a goal.

Whether that is an ice cream during summer, one meal at your favourite bar, or something else entirely, you have plenty of options.

Follow these 7 tips and you will be far more likely to reach your savings goals!

*Collaboration Post

Counting the Pennies

When you are on a tight budget, it is important not to just look for places where you can cut costs, but also to learn to spend intelligently.

During the Winter months all of our household bills go up. The lights go on more, the heating goes on, endless cups of tea and coffee; it all adds up. Your next energy bill arrives and the price has suddenly gone through the roof.

When appliances break down or need changing, be it a faulty kettle or that washing machine you have had for ten years now; choosing their replacement should be a decision made with not just your current cashflow in mind, but also your future bills.

These days there are so many products on the market that are energy efficient which are both good for the environment, and your pocket.

For example, the Energy Saving Trust tells us that in the UK we waste 68 million a year by overfilling our kettles. Every time you boil a full kettle, that costs you 2.5p. Applying that to a standard family household, boiling a full kettle 10 times a day, that is 22.5p. That is ₤80.00 per year, just boiling your kettle.

Whilst buying a cheap ₤10.00 kettle might look good for your purse now, if you spent ₤40.00 on an an energy efficient kettle which lets you choose exactly how much water to boil, even when it is full to brim; in the long run, that more expensive kettle is going to save you money.

This principle can be applied all around your home. Energy saving lightbulbs, draught excluders to hold heat in and save energy. Appliances like the Panasonic Washing Machines which you can find here can detect the load amount and adjust the amount of water and power needed accordingly which again saves you money.

Put all of those ideas into play and you can really start to make a saving on your energy bills, which frees up money for the more important things in life. A day out with your family, a catch up night out with a friend. In the end, it is as your grandma used to tell you:

*Published in conjunction with Panasonic