Start saving money today with these six tips
Expenditure as a family can quickly add up and we often feel like we should just send a direct debit from our wages to our local supermarket each month! Luckily there are a few simple ways you can start saving money today that don’t involve extreme couponing or a total lifestyle change.
You’re a nutter if you don’t get cashback already. My favourite site is Top Cashback and we saved well over £300 in our first year on all sorts of things we buy anyway. We never buy something just for the cashback, we only search it when we are making a purchase to see if we can get cashback. We’ve received cashback on grocery shopping, garden furniture, flights, insurance, MOTs, takeaways and much more.
Switch to a rewards account
Many banks now offer a rewards current account. We pay £3 per month for ours with Natwest and get 3% back on our council tax, broadband, gas, electric, water, TV package and mobile phone bills. We make our £3 back just from our council tax bill alone and then make profit on the rest. We save ours up all year and cash out in December when the extra money is really handy.
Use freebie websites
Yes you read that correctly, there are actually websites such as www.gratisfaction.co.uk who tell you where you can get freebies from all sorts of different companies. Get samples and even full sized products for all sorts of useful things you regularly use such as laundry powder, bibs, skincare, snacks, beauty boxes, wildflower seeds and so much more! As I type this all of these freebies are available.
Change your takeaway
I’m always shocked at how much money some families spend on takeaways each week. We usually treat ourselves to one per week, but if we’re having a frugal week we make our own and it’s often much more delicious than a takeout. It’s a great way to get all the family involved too if you make your own pizzas! We have recently started getting chippy chips on a Friday which is less than half the price of the pizza takeaways we used to get last year. A takeaway is a great treat, but can be more of a treat for your wallet if you change your habits and try something new.
Mystery shopping apps
There are several mystery shopping apps you can use to make money when doing your regular shopping trips. Streetspotr often has tasks in Lidl which you must perform whilst doing a normal food shop. Sometimes they pay £15 for these tasks. Marketforce often have mystery guest tasks in pubs and restaurants and they’ll reimburse you £20 or so for the meal plus pay you for completing a questionnaire after. These are great ways to earn money as you complete your regular family shops and also save money whilst eating out or even have the whole bill paid for you.
Have a no spend month
I’m dying to do this one once we’ve finished doing up our home and garden. I want to challenge us to a no spend month. We can obviously pay the mortgage, bills, petrol and agree on a reasonable amount for food for the month, but nothing else. I want us to explore the local area and find free family activities to do every weekend. Instead of splashing out on lunch we must take a packed lunch with us. There are plenty of gorgeous parks and historic landmarks nearby, there’s no need to always spend huge amounts on day’s out as a family of four.
What are your top money saving tips?