SMALL WAYS TO IMPROVE YOUR PERSONAL FINANCES

SMALL WAYS TO IMPROVE YOUR PERSONAL FINANCES

Hello, everyone!

If I was to tell you that by making a few small changes to your financial life, you could save a significant sum of money each month, would you make them? I bet you would- it would be foolish not to when you think about just how much more travelling you could do, how many more cute outfits you could buy, or if you’re being sensible, just how much more money you could put into savings. Don’t forget to check property for refurbishment also.

Well, the good news is, there are some simple tweaks you can make to save big on a monthly basis, Check them out…

Check Your Insurance Policies 

So many people think that once they’ve taken out an insurance policy, they have to keep it, but that simply isn’t true. You can, at any point change your policy to a more affordable one that saves you money each month. If you have policies that you can cash in, then it is pretty smart to do that if you can find a cheaper policy that will cost you a similar amount, or less each month. So, get checking.

Consolidate Your Debts

If you have multiple debts and you’re paying a huge amount of interest each month, easy bad credit personal loans could be your saviour. You could use one to consolidate your debts into a smaller, more manageable lump sum, which also accrues far less interest. Simple, isn’t it?

Write a Grocery List

It’s not very exciting, but by working out what you’ll eat for the week and buying only the items you need to prepare those dishes, you can slash your food budget by 25 percent or more. It would be foolish not to give it a try.

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Haggle for a Better Deal

Whether it’s your phone contract, a stay in a hotel or a beautiful outfit that you need to tailor, haggling can pay off big time. Most companies do not want to lose your business, so they are often happy, after a little haggling to reduce your bills, sometimes by a little sometimes by a lot, but every penny counts, so be brave and ask for that discount!

Research Restaurant Deals

If you like eating out and you’re not willing to give it up, you can still save tons of money each month by doing your research. Find out when restaurants have specials, search for money off coupons and not down happy hours and then make use of your research to minimise the bill.

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Use a Cashback Credit Card

Using a cashback credit card is a smart way to save money on those everyday purchases that need to be made. Use the card, if you can, to pay for your groceries, your clothing, you bills and pretty much every expense you can and you will effectively be getting a discount. It makes complete sense, providing you pay off the card at the end of the month, If you don’t do that, then you’re more likely to be worse off, so be careful!

Enjoy having a little extra left over at the end of the month! And don’t forget to share your tips with us in the comment section below!

As always, thank you for visiting and have a great day!

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18 Comments

  1. February 1, 2018 / 11:31 pm

    Good tips.
    I have noted to take time and check my insurance policies.

  2. Jasmin N
    February 7, 2018 / 12:00 am

    I’ve found any kind of food planning to save a huge amount of money. We usually plan all the food for one week, make a list & go to the shop once a week. We’ve managed to stick to our 50€/week budget 🙂 easily!

    • February 11, 2018 / 10:07 pm

      I like planning our meals and so the groceries too!

  3. February 7, 2018 / 8:13 pm

    I find that food planning saves huge amounts of money so thumbs up grocery lists!

    • February 11, 2018 / 10:10 pm

      Planning ahead all the meals saves money and time!

  4. February 7, 2018 / 8:26 pm

    I found that meal prepping and having a shopping list before I go shopping has helped me cut costs, as well as making sure that I don’t go food shopping hungry because otherwise I buy a lot of junk I don’t need.

    • February 11, 2018 / 10:11 pm

      ha ha , me too, never go for food shopping while hungry!

  5. February 8, 2018 / 4:47 am

    Making a grocery list is a tried and true method for me. I’ve also discovered if I have my groceries delivered, it costs me far less (even though I’m paying a $6 delivery charge). It means I’m not finding something in every aisle I walk down that wasn’t on my list but I end up getting anyway.

    • February 11, 2018 / 10:14 pm

      Never thought of this! I might use this option when I don’t have time to go for shopping.

  6. February 8, 2018 / 9:10 am

    Lovely tips! We have taken those restaurant deals to extreme really. I don’t remember when was the last time eating out without some kind of discount or deal. But it has actually been quite cool – you can still eat in fancy restaurants but at the same time your paying just a small part of the actual price. Grocery shopping list is also a good way to save. For me additionally planning all the travels in prior is a good way of saving. If I travel by bus I buy the tickets couple months in prior (the prices in here are lower the earlier you buy), or if I drive I offer drives to other so that we can share the gas expenses. 🙂

    • February 11, 2018 / 10:16 pm

      Planning the meals and the travels really can save a huge amount of money.

  7. February 8, 2018 / 10:57 am

    I found that I spent like half the amount of money for my grocery shopping when I went in with a plan. We used to make a “menu” for the week, then make a shopping list and do a weekly shop only. Great tips hun!
    Katja xxx
    http://www.katnapped.com

  8. February 8, 2018 / 4:25 pm

    These are all tips I utilize and they definitely work! Well, I’m not so good at the haggling one. I always have grand plans of asking for a better deal on my Airbnb or requesting a cheaper rate on a service but then I chicken out and just pay it. I need to practice that one!

    • February 11, 2018 / 10:18 pm

      Yes, practice could help you to save a lot of money because you could get the discount. All you have to do is just to ask for it!

  9. Sondra Barker
    February 8, 2018 / 6:13 pm

    I am always trying to learn new ways to be smart with my budget. Thanks for the tips.

  10. February 11, 2018 / 10:19 pm

    Thank you for stopping by Sondra!

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