5 ways to stretch an already tight budget

I watch quite a few shows about saving money – recently I’ve got quite fed up with them.

They seem to be aimed at people with LOADS of money that spend it on ridiculous things

 

…..Well, Susan – you could save £10.000 a year if you didn’t take luxury holidays twice year…… YOU DON’T SAY!!!!

 

…..Fiona, if you stopped buying your 20 designer handbags/shoes each year, you could save at least £5000 – REALLY???

 

I’m sitting there on my overstretched budget, wondering when I will be able to pop down to shoe zone and get a new pair of workshoes.

So, here are some top tips that might actually save you a buck or two if your budget, like mine, is already on a shoestring.

 

  1. Utilize Christmas and Birthdays

Make a list for Christmas and ask others to do the same – it eliminates all those expensive, but useless gifts. Keep any surprises as small inexpensive gifts.

Ask for cash or vouchers for your birthday so that you can go for a “Birthday shop”.

It will all be things that you no longer have to get out of your budget.

 

  1. Switch energy plans

On a regular basis – I always forget, but, Uswitch will emai you when your plan may need changing due to price increases – the last time I did this, it saved me £60 a month.

 

  1. Use reward cards

It’s amazing how quickly these can add up – keep an eye out for special deals where you get extra points and bargin ways to spend them – My Nectar card has got me out of many a tight spot.

 

  1. Use unbranded products

It’s surprising how much you can save on your weekly shop by looking for cheaper brands. Supermarket own brands are a great – sometimes a bit lower in quality, but often not.

 

  1. Check if you qualify for grants/discounts.

There are lots of schemes run by different local authorities or charities that can save you a small fortune when buying new appliances/holidays etc. If you are on a low income you may qualify for these, even if you don’t have a disability. There is sometimes a lot of paperwork to fill in, but it really can be worth it.

 

 

So lets go for it and see how much we can really save!

 

Each one of these may not save a huge amount, but sometimes the little bits that you save can add up and just get you through that tight week before payday. Save the pennies and the pounds will take care of themselves!!

 

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