Need To Start Saving Money? Take A Look At These 3 Money Saving Hints
Generally speaking, most people need to start saving money
. Whether it's for Christmas and birthdays, holidays or just so you're prepared for unexpected costs (such as car repairs), having money behind you is a great way to ease a financial burden.
Some people will already save a lot, others only a small amount and when and there'll be just as many people - if not more - who don't save a penny. For those with substantial incomes, it often means simply cutting back a little on their spending and putting a percentage of their salary into a savings account. For others who have a smaller income, the process can be a lot more difficult, especially if there is only a minimal amount of money left at the end of the month.
Fortunately, it's not impossible and just needs for you to look at your spending and where you can make cut backs so that you can put this saved cash into a savings account and the following 3 points are all great ways to save money quickly and easily.
1. Cut back on your food bill - where you are located in the country depends on how much money you spend on food shopping. However, for 2 people, there is no reason why you should be spending more than 50 pound a week, including cosmetics.
When you're living as a large family, you tend to do more home cooking, as apart from the fact it's more nutritious than pre-packed meals, it's easier to create larger quantities of food if you prepare it yourself. When it's just two people, however, it can be tempting to buy a lot of frozen meals or eat out often. Now, aside from this being unhealthy, it can also be extremely expensive.
Head to a supermarket, buy a large bag of pasta, large bag of rice, some frozen vegetables, a dozen eggs, some chicken breasts and a range of different spices and you've got yourself the ingredients to make a selection of dinners that could, in theory, last you a full week or two.
2. Reduce your regular bills - if you haven't changed your supplier for any of your regular bills in a few years (or in some instances, a few months), it's likely that you'll be able to reduce every bill by at least a few pounds a month.
For instance, find out how much bandwidth you're using on a monthly basis and contact several broadband suppliers to see what deals they are currently running that would be suitable for your usage needs.
Similarly, give your utility provider a call if you haven't changed recently - if you've been paying the same amount of money each month for a few years, you're not only likely to be able to see a drop in your monthly figure, but you might in fact be owed money due to your account being in credit.
3. Get healthy - when we have a car or easy access to public transport, we tend to rely on it a little too much, getting the bus from near to your house to outside of your work or driving what is in effect a short walk to a local shop.
If you think about getting into shape - which aside for carrying out exercise also means eating healthy and not consuming any junk food - chances are you'll see a decrease in everything from your monthly food bill to your fuel costs.
by: Cathy Butler
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