Saving always seems like a pretty easy, fairly straight-forward, healthy idea. But when it comes to the week before payday and you’re on beans and toast for tea, you’ve emptied every pocket of every coat for parking change and you semi hate yourself for living like a millionaire the past 2 weekends, saving money on a monthly basis doesn’t seem as easy anymore. Fortunately you can still enjoy life and save and not eat beans and toast for tea 7 nights in a row once a month, it’s just being smart and knowing how to make it work for you. So forget the change and change your habits instead!
Ditch the takeaways
We knew it was coming…the big ‘stop spending all your money on food’ rule. We all love a good takeaway when we get in after a long shift at work. You can’t be bothered cooking and hot food to your door sounds like an amazing idea, right? Wrong! Instead of forking out for a £12 minimum spend on JustEat plus delivery charge, start freezing stuff. Say you’re making your favourite meal, a real comfort food feast – make a little extra and save the leftovers, tupperware it up, put it in the freezer and then come next week when you’re stuck for ideas on what to eat. You can just microwave for a few minutes and there you have it – an affordable, tasty and finance friendly food to satisfy your hunger.
Clear out your subscriptions
Have you ever signed up to something and forgot about it? Adopted a stingray, accidentally gone over the free trial or just filled a form in to get it out of your face and off the screen?
Well that’s where you’re going wrong. You’re probably now paying for your adopted stingray’s grandchildren to enjoy a neat lifestyle off your back, so really having a look at where you can cut the direct debits is a key way of saving on the days you’re rationing your cat food. You probably don’t read that magazine you subscribed to back when you were 16 and you don’t really need Spotify, Deezer and Amazon Music all at once, so be harsh with your standing orders and start dropping the ones you don’t really need.
Money saving apps
Ahh the solution to any millennials, minor, major or mid-range sized issue ever faced with in the 21st century: the App Store. Yes this nirvana of storage space clogging widgets can be a fantastic aid in saving the pennies and making it sustainable. Apps like MoneyBox and Monzo are great for saving up the cash in pots for different things whether you’re saving for a trip to Thailand, a new games console or a home through shared ownership in London. Sometimes it really is best to embrace the technological age in which our toasters can talk to us and people don’t have to get up to draw the curtains. So use up even more of your salvaged data on your
device and start putting your digitised notes into accounts. Seeing it grow in the palm of your hand will help encourage your saving, especially with all the flashy animations.
So say goodbye to counting pennies and start collecting pounds! Whether your downfall is the food delivery app or you just need to be more conscious if you’re going to have enough for those properties for sale in Sussex, taking the first step is always the best step.