1. Do your grocery shop online and don’t give in to temptation
Plan your meals for the week and stick to a shopping list. Avoid impulse items that aren’t on your list.
2. Buy own brand products
More often than not own brand products have the same constituent parts as branded products but just don’t carry the famous name. Consider buying regularly used items in bulk – it’s not like you’ll ever stop using toilet paper or laundry detergent!
3. Be credit card smart
Make sure that you always pay off your balance in full each month to avoid interest charges. Look at 0% deals for existing debt and think about moving your balance over where you can.
4. Shop around for the best deal
Make good use of online shopping comparison sites and always check if there are any discount vouchers available. A quick Google search will bring up a raft of sites that have voucher codes and offers.
5. Sell what you don’t use
Have a good clear out and sell anything you no longer use or that you no longer need. If you haven’t worn something for over a year, it’s unlikely you’ll wear it again. Consider organizing a swap party with friends for items that you all have but need to change, like clothes.
6. Use a spreadsheet…
… or budgeting app to keep track of your expenditure against your income. But it’s important to be honest! You’re not fooling anyone but yourself if you leave out those crafty little purchases of candy bars or ice creams.
7. Feed the family on a budget
Take a picnic, snacks and drinks when going on family days out in order to avoid costly meals out. The café at the zoo will always be more expensive than making your own sandwiches at home an packing them in a bag.
8. Use your local library
Books, CDs and DVDs are expensive so go and join the local library. Your membership will allow you to borrow books, music and films rather than buying them.
9. Make meals in bulk
When cooking, just double your ingredients and then use the excess to freeze in portions. This will help you avoid costly convenience food. And using seasonal fruit and veg will be cheaper than exotic alternatives.
10. Cut energy costs
If you turn your thermostat down a degree, turn off appliances if you’re not using them and change your light bulbs for energy saving ones, the saved pennies can start to add up. You can get loads more ideas at SaveMoneyOnline.co.uk including tips on the best credit card and savings accounts plus compare deals on insurance and mortgages.