Wednesday, 1 February 2017

#PlanAheadToSave // Some money saving tips for 2017

I'd like to think that I pretty good with money. I love a good bargain, don't own a credit card, we're working hard to pay off our mortgage and generally, I'm quite skilled at saving. That said though, I'm always looking for areas to improve. I think being good with money is something that you can really teach your children, even from an early age, and so I want to make sure that I am setting the best example possible! 

We have some pretty big purchases planned for this year and so I think that the beginning of 2017 is the perfect time to make some changes to our money habits to ensure that we are financially organised, ready for the coming months! 

Today I wanted to share some of the steps that I will be taking to save money this year.

Stop buying unnecessary things

During the past few years I have really clamped down on treating myself and shopping sprees. An expensive new candle or new perfume are items that I used to frequently buy for myself but I now save them for my Christmas list. As hard as I try though, I am still guilty of splurging every once in a while. I'm only human!
In 2017 though I really want to clamp down on these 'treat yo'self' moments because not only do they add clutter to our home, they eat into my bank balance! Staying away from shops unless I need to actually buy something is a habit I'm really getting into, no more window shopping for me!

Smarter grocery shopping

Grocery shopping is definitely a big chunk of our household budget. We're a family who love our food and so I always tend to buy the best that our money can afford. We do our grocery shop online and I find that this really helps us to save a lot of money because shopping from my laptop doesn't tempt me as much. I like to get it done and out of the way as quick as possible.

We usually do our grocery shopping online once every two weeks and top up with fresh stuff somewhere like M&S when we need it although something that I have noticed recently is our shopping is being delivered and our cupboards are still full from the last shop. I'm obviously not planning well enough!

This year, I'll be working on making concise meal plans for the weeks ahead, using up what we already have and amending lists to ensure that we only order what we need. This will save us quite a few pennies and might even mean that we can do our grocery shop even less frequently, hurrah!

Ensuring that I have adequate insurance

Quite a few of the big purchases we need to make this year are of the electronic kind. Forgetting insurance for these purchases could quickly become a very costly mistake, especially when it comes to those items that I use all of the time such as my iPhone and iPad. Insurance is one of those products that I don't always automatically consider but actually, it is super important to add it to your purchases whether it is buying expensive electrical products or booking concert tickets and holidays. I'll definitely be making sure I am covered in 2017!

Make extra money online

I am a crazy lady who is obsessed with eBay so this year I'll be using it to clear our clutter once and for all and hopefully make a few extra pounds at the same time! eBay isn't the only way to make money online though, there are heaps of little things you can do that can earn you that little bit more, from survey websites to Facebook selling to claiming cashback online. There are even apps that will help you earn money on-the-go!

Be frugal when it comes to days off

We love theme parks, dining out, seeing live music and taking trips to the cinema but this year I want to spend more of our days off together making the most of things that are free in our area. Whether its an afternoon in the park or visiting a local farm, using our annual passes for local attractions or looking up some local events.... there's always going to be something that we can do that won't cost a penny. A bit of free fun will really help us to save some significant money!

Are you currently saving for a big purchase? Do you have any money saving tips that you'd like to share? Let me know in a comment below!

This post has been written in collaboration with Contact Numbers UK but as always, all content is my own.

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