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Saving money isn’t always easy to do – or is it? We all have things that we need to pay out for and that we need to spend on. However, if we want to enjoy a holiday or perhaps treat ourselves to something special, then we are going to need to save a bit of money each month. But how do we do this? How can we save as much as £200 per month when we still have bills to pay?
To help you, we have put together some of our ideas on ways to save month each month, ensuring that you can put it away and towards whatever it is that you want to buy.
One of the worst things that you can do when it comes to monthly saving is over-estimate how much you can save each money. Not only will this set yourself up to fail, but it will also mean that you are much more likely to give up and not even try after a couple of months. Be realistic about how much you can save each month. Think about the areas that you can cut back on and those that you simply cannot, you may surprise yourself with how much you can afford to give up and those things that you simply cannot cut back on.
Join some loyalty schemes
If you are frequent spender in some supermarkets or shops then it is really worthwhile checking out whether or not they offer loyalty cards. These cards allow you to save points every time you shop there, which can be put towards saving money in the future. If you are not sure whether or not the stores that you use actually have a loyalty scheme that you can sign up to, then there are websites that you can check in order to see some of the best loyalty schemes .
One expense that you may need to pay out for every month is your mobile phone. So, it makes sense that you should try your best to secure the very best mobile phone deal that you can if you want to save money. This is easy to do, all you need is to check your bill and make sure that your usage isn’t way below the allowance that you are given every month. If it is, then you may be able to speak to your mobile phone provider and ask them to downgrade and reduce your tariff. Which will save you money each month, without having to worry about losing out on the things that you use.
Haggling might sound like something that you can only do on a market stall, but the truth is that you can haggle in a variety of places and to a variety of companies too. Haggling can simply mean that you ask a provider whether or not there is anything that they can do to reduce how much you pay each month, or if there is anything extra that you can get for the money that you do pay. You can haggle with travel agents, retailers, car dealers and a whole host of other places too. You simply need to have the confidence to do so.
Food shopping is an expense that many of us have to budget for. However, the great thing about food shopping is that it is also a cost that you can work to reduce. Not only can you check out specialist websites that are designed to help you to reduce the price that you pay for the things that you need such as MySupermarket.co.uk.
But you can also try things such as buying own brand items or looking for reduced price items that you can freeze and use at a later date. Supermarkets do try to find ways to get you to spend out, so be wary of any muti-buy discounts as whilst they may seem like a great deal, they actually don’t save you as much money as you think and they could even encourage you to buy more than you need.
We all need a treat or two from time to time, however, treats such as nights out or day trips with the family can be expensive. Thankfully there are ways that you can still enjoy these treats, but save yourself some money in the meantime. There are a number of discount websites out there that often feature some of the best treats out there that you may want to buy. This includes Voucher Codes, Hot UK Deals, My Voucher Codes and websites such as Wowcher and Groupon too. So make sure that you check these websites as you may be surprised the deals that you can get.
As you can see, there are a variety of ways that you can save money each and every month, hopefully allowing you to put money away and then save up for that one thing that you have your eye on, or simply as a way to create an emergency fund or to pay off some debts.
When it comes to saving on short term loans check out the rates at Fernovo here.
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