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Feeling Skint after Christmas?

Food Shopping:

Pretty much all supermarkets will discount fresh products and items which are close to their sell by date in the evening around an hour before they close. This is the ideal time to go and stock up on bread, deli Items and sometimes even meat, fish and dairy products too! It’s a great time to stock up your freezer too, most stuff will freeze for another day – so why not make the most of it and buy whilst its cheap! Also – try to use everything that you buy, or if there are bits of veg and things left over at the end of the week, try and create something with it rather than throwing it away!

Planning Ahead:

Essential if you’re hoping to save some cash this year! By making extra when you’re cooking a meal, you can box the leftovers up and use for lunch the next day, or freeze so that you’ve got something if you’re caught short with no food in the house when you’re starving – let’s face it, we’ve all been there! You could get your housemates involved too by suggesting that everyone takes it in turns to cook a meal each day, that way you can share out the cost, and get everyone involved! Spaghetti Bolognaise, Lasagne, Curries, Chillies and Homemade Pizzas are super cheap, easy to make and feed loads of people at the same time!

Check those bank accounts!

It’s surprising how much money is going out of your bank account each month that you don’t realise! This could be the answer to saving a heap this year! Be sure to check your bank accounts for direct debits that are set up for gym memberships you don’t use, or subscriptions that you don’t really need any more – a great way of saving up to £40 a month (depending on which gym you join!) Its surprising how much a bank account clean up can make a difference! Even if there are no direct debits or payments you can cancel, try looking to see if there is any way of reducing the costs like changing gym, or trying a cheaper option on your subscription.

Budgeting:

Always a miserable word, and lets just face it – that’s all year round! But the truth is, it helps. Take 10 minutes to look at what your income is each month, or how much loan you have and how long it needs to last you, then look at your outgoings and work out which are absolute necessities (like your rent, food, travel costs) and what is extra. This is a great way to get a clearer idea of your finances! Another top tip for budgeting, would be to be very strict with yourself in terms of what you allow yourself to spend – we’ve found it really useful to separate the money you need to spend on the absolute necessities and then the extra you have to spend on the nicer things in life!

Avoid Temptation!

At all costs! If you're trying really hard to save, there's nothing worse than apps sending you sale notifications and email discounts! Delete the apps, and remove yourself from the subscriber list on the emails to stop the constant reminders of increased discounts and encouragement to get to the check out! If there’s nothing reminding you that your favourite shop has a huge 70% off sale on, then you’ll forget about it and save some cash!

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