10 PROVEN WAYS TO HELP YOU SLASH YOUR SPENDING NOW

Are you looking to reduce or slash your spending?  For me I review our bills every 6 months to see how things are going and if I need to look at ways of cutting down on items.  This can be a simple process from having a chat to our broadband provider and seeing if we are on the best rate or simply making some life changes to cut down on what we are spending on non essential items that may have started to creep up.

 

Whatever reason you decide you need to slash your spending now, these 10 proven ways have helped me and I’m sure they will help you too.  Let me know what you think of them in the comments section below.

 

1. Telephone, mobile phone & internet

You can often get a great package deal on these.  First step is to find out what you are paying and what contract you are on.  Phone your company up and explain you are looking to reduce your bill so what is the best deal they can give you.  It may even be better buying a mobile phone and paying a reduced tariff.  Do your homework and out the details out and compare all the different options.  For us it was a matter of phoning up our providers and asking for a better deal which we did get.  Our internet was reduced by 25% which was a great saving all from the cost of a phone call.There are

 

2. Electricity & Gas suppliers

There are so many different tariffs which can be confusing.  Look at your bill and see what you are on.  Then head to some of the price comparison websites and see what options you have available.  Then go back and phone your supplier and ask them to either match what you have found or give  you a better deal.  We did this and received a 15% discount from our electricity supplier for signing up to another 12 months with them.

 

3. TV Packages

No matter who you have for your on demand services.  Give them a call and see what offer they can give you.  Be prepared to cancel your subscription if they don’t budge.  I received 75% off my satellite package after going through the cancellation process.  They initially only offered me 25% over the phone.  I declined.  After 3 weeks of waiting for my package to cancel they offered me 75% off!  It really was worth sticking to my plan to get the best deal I could.

 

4. Food & Toiletries

If you haven’t switched to own brand products then give them a go now.  I would also recommend meal planning. It saves time and money in the long run.  It also gives you a chance to use up your store cupboard ingredients meaning you don’t waste money on products you don’t need.  Toiletries are another expense each month.  Head to the likes of the Pound Shops where you can get branded products cheaper.  I would also highly recommend other bargain stores such as B&M.  I’ve often found items such as toothpaste even cheaper than the Pound Shops!

 

proven ways to slash your food spending

 

5.  Transport

Do you have a car?  Do you use public transport?  I recommend you sit down and work out the best option for you.  We have one car in our household as it was cheaper for me to use public transport to get to and from work rather than another car.  I also buy a monthly link card that allows me to use the trains and buses as many times that month for a set price.  It also means I can use it to nip in to town at the weekend too!  Check your transport needs and adjust them to make savings.

 

proven ways to slash your clothes spending

 

6. Meals at Work

I have written about my lunches over on this 3 Frugal Things I’m Doing Post.  I have discussed how I sometimes go to the supermarket to get the reduced vegetables and then make soup that evening.  The soup does me for lunch that week.  Often one pot would do me 3 days in a row.  This cost of this could be as low as 30p for a packet of soup vegetables that has been reduced.  I highly recommend visiting your supermarket in the evening when they have reduced produce.  You are sure to get some great bargains.

 

7.  Insurance

It often annoys me when the yearly insurance bills come up and they have gone up again.  What annoys me even more is that a lot of people accept that as the price.  I don’t know how many times I have phoned my insurance company after comparing prices on all the comparison websites out there, only to be offered a lower price!  Why they can’t give me the reduced price in the first place is beyond me.  Maybe they are relying on people not comparing prices!  I highly recommend you compare your insurance prices to ensure you get the lowest price.  I do it all the time and it keeps our costs down.

 

8.  Clothing & Shoes

We have two teenagers so I totally understand the cost of items.  Especially when they want branded clothes and footwear.  I highly recommend you shop in the sales and buy items that will last all year.  I start planning for Christmas as soon as the summer sales start.  This often reduced the costs of designer gear for our two boys.  I also give them a budget so they can purchase shoes in the January sales too.  A few days after Christmas isn’t long to wait for 50% off a pair of trainers!

 

proven ways to slash your clothes spending

9.  Magazines, Coffee & Other non-essential items

I get you.  You love your shop bought coffee.  Keep a track of what you are spending on the likes of magazines, newspapers or coffee.  See if you can cut down.  You could even swap coffee shop items a few times a week.  Magazines you could change to a cheaper alternative or see if you can get it online for free.  I stopped buying coffee and instead buy a tin of a brand I really like.  I do still buy the odd magazine but I go for the cheaper one.  This has saved me a small amount but it all adds up.

 

10.  Prescription charges

If you are not lucky enough to live in Northern Ireland or Scotland where you get free prescriptions, then you may save money by getting a Pre-Payment Prescription Certificate from the NHS.  You can get a 3 month or a 12 month.  So if you buy 4 or more prescriptions in 3 months or 14 or more in 12 months it may be cheaper for you as the PPC costs £29.10 for 3 months or £104 for 12 months.  Check out the Government website for more information to see if you could save money.

 

These are proven tips on how you can slash your spending now.  I’ve tried and do them all.  Well apart fro the prescription charges as I am lucky enough to live in Northern Ireland where the prescriptions are free!  So what other ways have you been able to save money?  I’d love to hear from you.

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Need help to reduce your spending? These tips will help you cut down on your spending now. They are tried and tested by me so I know they work! #budget #budgeting #spending #spend

 

I’m taking part in the Monday Money linky with Lynn from Mrs Mummy PennyFaith from Much More With Less and Emma from EmmaDrew.Info

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4 AMAZING MONEY SAVING APPS FOR GROCERY SHOPPING

Would you like to cut down on your food shopping bill?  Below I have listed some amazing money saving apps to cut your grocery shopping.

 

I love all things vintage, and while I often think how wonderful it would be to go back to the 1950s, I know that it wasn’t all sweetness and light.  I have spent some of my time researching how families lived in the 1950s. During the Second World War family food budgets and family meals had to be adjusted or indeed scaled back as restrictions and shortages took their toll on how families lived.

 

While we are not in “war times”, it is still hard to make ends meet.  But there are apps that can help you cut down on your grocery bills.  These are extremely handy and very easy to use.

 

After all groceries are not a luxury but a necessity and can often take up a huge portion of your income.  However I had no doubt that the apps listed below will help you cut down the cost of your grocery shopping as well as get you some freebies along the way!

 

Whether you are a family, large or small or you grocery shop just for yourself, these apps will save you money.

 

Related topics:

4 Super Easy Hacks to Save Money

Cashback websites to get free money when shopping

10 Ways Baking Soda can help you save money

 

 

How does cashback apps work?

Put quite simply they give you back money you spend on items that they have listed on their app.  The difference between the app as opposed to a coupon is that you need to buy the product first before getting your money back.

Each app has a different selection of products with some even offering 100% cashback – making the item free!

Alternatively sometimes you can combine the cashback with coupons which will give you an even bigger saving – I will be writing about coupons in a later post so keep checking the blog.

 

How do I get started?

First you need to download the app to your phone and register.

 

CheckoutSmart

First download the app from the link here.  The cashback offers can be valid for in-store and online but there are terms and conditions for each so check carefully.  There is also an expiry date on the purchase – again check this carefully.

 

First look at what offers are listed on the app, buy the product and then take a photo of the receipt, upload it and get the cashback credited to your account.  Once you reach the £5.00 minimum payment you can transfer the amount to either your Paypal account or your bank account.

 

money saving apps

 

ClickSnap / Quidco

In order to access ClickSnap you will need to sign up to Quidco, just click here.  Once you sign up to Quidco, download the ClickSnap app.  Once you enter the app you will see a selection of what is on offer.  You purchase the product, take a photo of your receipt, upload it and cashback is credited to your account.  You can withdraw your cash once you reach £1 and this can be paid either via your Paypal account or your bank account.

 

TopCashback Snap and Save

Again download the app from here and set up your account.  Buy the product you are looking to get cashback on, take a photo of your receipt, upload it and get the cashback credited to your account.

 

 

Shopmium

Download the app and if you wish to sign up with my referral code KMHECCCP you’ll also get cashback for a FREE Lindt chocolate bar!  The site is straightforward, the products you can claim cashback for are listed, purchase the product, scan the barcode, take a photo of your receipt and upload, credit is normally within the hour and is automatically transferred to your bank or Paypal account each claim you make.

 

Sign up to Shopmium with my referral code KMHECCCP you’ll also get cashback for a FREE Lindt chocolate bar!

 

Happy money saving.

 

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These 4 amazing apps will help you and your family save money on grocery shopping. You will also get some free items and free chocolate if you sign up now!

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A Vintage Idea: Using cloth napkins and giving paper towels the elbow!

I am forever researching vintage ways of life, vintage entertaining, vintage style  and other vintage inspiration.  It would be naive of me to think it was all wonderful in the past, but I do know that sometimes life was a lot less complicated and stressful.  So I got to thinking what small idea could I adopt that would be of benefit to me and my family.

While I was in my local charity shop recently I spotted some beautiful embroidered cloth napkins.  They were stunning so I decided to buy them.  It got me thinking about how much paper towels we as a family use.  If you are anything like me I use paper towels a lot from cleaning up food spills to shining the taps in the bathroom.  So to cut down our household budget but also in the name of being more eco-friendly I decided to try and go paperless in the kitchen.

When you think about it, it is a very vintage idea as families’ years ago didn’t have the option of having paper towels in their kitchen.  Of course as consumerism took over and convenience was the name of the game, disposable products because a mainstay of our everyday purchases.

So my little experiment has been working well.  I decided to purchase cloth napkins from a local charity shop costing me 20p each.  I purchased enough that would do four of us five times – leaving me time to put them in the washing machine ready again for use.  I also purchased a few table cloths and a few t-shirts which I cut up and have been using as cleaning cloths, for shining the taps in the bathroom and for making my vintage jewellery sparkle!

The most difficult part of the experiment was remembering to put the tea towels and napkins in a place where everyone knew where they would be but once I was in a routine it became second nature to do it.

I would encourage you to have a go, it will reduce your grocery shopping and you will be doing your bit for the environment.  I have put together some tips to help you:-

  • Visit your local charity shop and buy cheap cloth napkins, as most are vintage you will be able to buy some really stunning ones, purchase enough to do you to wash day.
  • Remember to put your items in easily accessible places and let your family know where to find them so they can join in.
  • Buy some cotton t-shirts at the charity shop for dusting and cleaning or better still if you have any at the bottom of a wardrobe gathering dust – use them!
  • If you don’t want to go full cold turkey – keep a spare roll of paper towels in the house but store them out of reach – just to be used in an emergency!

If I have inspired you to have a go at using cloth napkins let me know how you get on.  I have to say that new isn’t always better and if we can learn from times past then we need to embrace it with open arms.

Let me know how you get on.

 

Elf x

 

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