We have had a lovely day and dinner at my sister’s and we are now home and chilling. It’s nice to have a bit of quiet time to relax. I have been having a think about the upcoming lean January I need to have. I am absolutely determined to save more money next year than I managed in 2016 and I will do this in the following ways:
This is tricky as I already live a frugal lifestyle. But I am sure I can save here and there. I need to question every single purchase. Do I really need this? Can I do without it? Can I get it more cheaply?
I had two holidays in 2016, it was lovely! But it cleared out my savings. This year it is Mr S’s BIG birthday. I won’t say which, I will leave you to guess. So we will have a holiday to celebrate as that is the thing he loves to do, but just the one.
I can spend less on groceries. I already shop in the discount supermarkets (Aldi or Lidl) but I will do more yellow sticker hunting. Tell me please, what is the best time to visit the supermarkets to find the really serious discounts?
I need to cook more. Lack of time has made me start using more jars and more expensive short cuts. I need to find some energy and enthusiasm and do some batch cooking.
Getting control of the ad hoc spending
Getting control of my ad hoc spending is essential. I have noticed that I have started buying the tempting but expensive 80p chocolate bars or bags of crisps from the machine rather than keeping a few cheaper snacks in my drawer at work. Popping to Asda or somewhere for my Lacrofree milk and cat food is something I need to do, but while I am in there picking up wine, snacks, a fancy salad for work, etc. I need to go in with my blinkers on and only buy what I intended!
I will clean my own car. It only takes half an hour but I am tempted from time to time to take it to the Polish car washers. They do a great job but at £10 when it could be free.
I rarely buy new clothes, I dye my own hair and buy only basic toiletries. So nothing to save there. I am mean with the heating and fanatical about turning off lights so no savings there either. We hardly ever go out to the pub or for a meal, so not much I can cut back on.
I will do a review of all my outgoings to check to see if I can get anything such as utilities more cheaply or cut things out all together.
This year, as well as spending less, I need to bring more money in. I went for a promotion but didn’t hear before Christmas so don’t think I was successful. However, there will be other chances so I will sign up to some job alerts so I don’t miss the opportunities.
I am hoping to get a lodger. This is proving tougher than I thought but hopefully I will get some more interest in the new year. In the meantime I will keep taking the language students as I have for the past few years.
I intend to up my eBay sales . This has made me a bit extra in the past year or two – £50-£100 sometimes a month. It takes quite a bit of time but it all helps. This will go straight to savings.
What are your top tips for making more money and spending less?