Saving money and not spending so much play a lot on our minds. It can cause unnecessary stress that builds up and can be damaging to your health and wellness. Nobody wants to forgo all of life’s luxuries, else what’s the point of working? But being frugal in certain ways can be both rewarding and fun. Think of it is a new skill to learn! Here are some of our top suggestions on how to save a bit of money by the end of each month. And if there enough left over in the pot at the end of the year, why not treat your family to a holiday abroad?
There’s an old clip of KUWTK’s that shows Kourtney Kardashian getting a little bit addicted to couponing. It actually has a name: extreme couponing. Kourtney got so addicted she started making organisational folders and obsessing over collecting coupons. The point is, you don’t have to be on the breadline to want to save money. Why turn down a coupon or money off a product, if it’s being offered? If anything, it shows you’re not frivolous with your money. Ok, she might keep her coupons in a Hermes bag, but who are we to judge! Look out for coupons in your local paper and magazines. There are plenty of coupons you can download from the Internet. These include cinema savings, grocery discounts and 2-4-1 restaurant meals. If you love a company and want to take a survey, filling out an online a customersurveyreport.com can give you rewards such as big money to spend in the store. Extreme couponing has been labelled a full-time job. But you could just join the league of casual couponers out there and reap some great benefits too.
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Credit Cards and Savings Accounts
Do some research on the credit cards and savings accounts you have. Many banks offer reward schemes and cashback. You can often get money back when you spend in department stores or big grocery stores. It may not seem like much to start with, but it does add up. If you love fashion and are a fan of ASOS, they have recently introduced a great reward scheme that gives you money back in vouchers, every time you spend. Also look into transferring your credit cards to another that offers 0pc interest. The BankAmericard credit card also offers 2pc back at grocery stores and 3pc back on gas. For minimal effort, you can make some significant savings over the year.
Many grocery stores offer reward cards that you can take advantage of. They pay for your loyalty, so make it work for you. When going grocery shopping be strict and make a list. Avoid the sweets and magazines at the till. The former are full of sugar and the latter you can now read online. Go for own-brand goods when it’s viable. You may have a favorite make of beans, but own-brand rice, OJ, cleaning products and spaghetti are just as good. Downshifting even just one level can save you plenty of dollars over the year. Try it for a few weeks, tot up your bills and see what you can achieve. Be aware of BOGOF offers. They are fantastic for things like toothpaste and toilet roll. But if it’s on something that is perishable, do you really need two that week?
Learning how to save money here and there can lead to a more stress-free financial life. It can help you get out of debt, start saving for a new car or go on your dream holiday.