Just like when you decide to start a family, committing to saving money comes with its own drawbacks. Sometimes it’s not about making more money and working harder, but about saving the money you already have.
The hard part is where to start and finding out what savings you can make RIGHT NOW to keep more money in your pocket.
It’s a lot easier than you think!
Here are 99 easy ways you could save money now, and keep more in your pocket.
Bills and Utilities
1. Are you getting the best deal from your energy supplier? Phone up and haggle the price, remembering to check comparing sites first, so you have a ball park figure. Also, The Energy Saving Trust has a free home energy check too which could save you £250.
2. Energy saving light bulbs could save you money in the long run. Many claim that they give up to 25,000 hours of light compared to 1,000 hours from a traditional bulb.
3. Find out if a water meter is better for you. It may take in sewage costs, but you may be using less than you think.
4. When it comes to white goods, remember to compare cost, size, features, and energy efficiency. All these things could save you money in the long term.
5. Pay by direct debit. Not only can you forget about it for a bit but some companies offer a discount if you pay this way.
6. Use price compassion websites for all things bill related. Get a ballpark figure and phone up and haggle. What’s the worst that’s going to happen? I did this and saved over £200 on my car insurance renewal!
7. Duel fuel accounts. Sometimes they can be cheaper than having your energy separately. Do your research.
8. Work out your biggest debt and aim to pay that off before you save. For us, it’s the mortgage as that’s not only our biggest outlay but also has the highest interest. Aim to overpay if you can, leaving you with less interest to pay as you go.
9. Ask your council if they would supply a free water butt. Many do and use this to water your garden in the summer months.
10. Dump any travel insurance you may have if you don’t have any holidays planned. You can always start it up again when you go.
11. Make sure you have a will. Look out for FREE Will Month and get yours done!
12. Wake up 10 minutes early every day and look around for the latest offers, deals or discounts. Remind yourself to use any cash back apps that you have to claim on any bills you’ve just paid. The savings will soon rack up.
13. Have your property valued every three-five years to check how much its worth. There’s a chance you could be overpaying on your council tax and could apply for a rebate.
14. Loyalty doesn’t pay. Switching banks or suppliers can normally earn you special deals with your new provider or even extra cash in your pocket.
15. Watch out for any extra broadband costs. Would it pay for you to go unlimited instead of going over each month?
16. Cancel any subscriptions and the ones you just can’t live without call. Threatening to leave or downgrade your package normally works but don’t go too far in case they call your bluff!
17. Go through your wardrobe. Anything you haven’t worn in the last year sale on Facebook or eBay. You may only get a couple of quid, but it’s better than a cupboard full of dusty old clothes.
18. Be thrifty and hunt for bargains. Always start your shopping spree in the charity shop and work your way up. Vintage is cool you know!
19. Repair any holes or tears yourself instead of binning it.
20. Reuse any clothes you can’t be bothered to fix. Can your old work uniform be used as a dressing up costume for the kids? Or as a painting or cooking apron. Kids really don’t care.
21. Before you buy anything, think to yourself: Do I really NEED this item? Can I honestly afford this item? If the answer is yes, then buy it, but shop around first.
22. Hold a swap party with your friends. You all bring your old clothes and do a swap.
23. Fashions come and go, the classics don’t. Have some stable clothes you can full back on when the fashion changes.
24. Think gender natural. Things like t-shirts and hoodies don’t matter. If your partner isn’t wearing it then you should.
25. Only buy what fits now. Buying for the future never works.
26. If you need something for a night out, ask a friend or family member if they have it to use. No point buying something new for just one night.
27. Avoid store cards at all costs. Don’t let the introductory 10% or 20% offers to tempt you.
28. Mix and match your summer clothes with your winter ones. Use everything and don’t save anything for best, it’s generally not worth it.
29. If you need to buy new, then look online first. Many sites like Everything 5 Pound or Very offer good quality clothes for low prices and normally offer free delivery too.
30. Follow the one in and one out rule. For everything you buy, one item must go. This not only helps you think before you spend but also helps to curb excess.
31. Make discounts count. Use any loyalty card points or coupons when you need something new. No one sees the label or how much it cost.
32. If you have a shopping habit that set yourself a challenge. Can you not spend anything on clothes for a week? A month? Three months? You’ll soon see the difference in your pocket.
33. Ask for vouchers for special occasions so you can buy clothes YOU want instead of having to give them away.
34. Keep everything tidy in your cupboard so you can see what you have and what you need. I do mine by colour but my husband does his by clothing type.
35. Car share. Does anyone come close to where you live? Even if you share the petrol costs, it’s still cheaper than a bus, train or driving yourself to work.
36. If you need a new car then first research what’s going to be cheaper for you in the LONG TERM. Factor in fuel costs, car tax and wear and tear.
37. If you take the train, then find out if a season ticket would be cheaper. Normally you’d receive a nice discount paying in advance too.
38. Find the cheapest place to park and walk. If it means you have to get up earlier than do it. A £1 saving a day for a month is £30. That’s £360 a year saving.
39. Would renting someone’s drive be cheaper than a car park? Ask around, especially if you work near a hospital or station where parking costs are higher.
40. Walk or cycle if you can. If you’re just nipping to the shops, chuck the kids in the buggy or on a scooter and walk. Might as well burn some calories and think of all that petrol you’ve saved.
41. Book whatever mode of transport you need in advance. Trains, taxis, and planes all offer better deals when booked months in advance.
42. The classic air con vs open window debate. I open my window as I think it’s cheaper but my husband uses the aircon due to the drag of this car. Do some Googling and find out what’s cheaper.
43. Use Petrol Prices to keep an eye out for price drops in your area. 3p a litre less than your convenient station is worth a small trip out f your way.
44. After a busy day out, could you walk home instead of taking the bus or bus it instead of the normal taxi? Or get out a mile before your door and walk. The extra small saving could pay for the kids to have an extra ice cream or two.
45. Fuel offers: If you have a loyalty card then some supermarkets offer fuel deals, like 1p off a litre when you spend £25. Use them, they are worth it!
46. If you live in London then using your debit card as an Oyster can be good value and save you the queue at the ticket office.
47. Plan your drive to avoid traffic. The more you touch the break or sit still the more petrol you use.
48. If you drive a long way every day then think about switching to a diesel car where you can get more miles per gallon.
49. Check your boot and empty anything you don’t need. The more weight the more petrol that is used to get you moving.
50. Planning ahead can save you money. Look out for local deals in your area like cheap snacks or admissions.
51. Bring your own popcorn or snacks to the cinema.
52. Sign up to as many newsletters as you can. Many cinemas or local attractions offer discounts to those on their list.
53. Check your local paper for codes on cheap days out.
54. Buy in bulk with friends as group discounts will save you all money.
55. Look for free festivals in your area. Many are kid friendly and have loads to do for the whole family for free!
56. If you’re planning to go out for dinner, then check out Vouchercloud or use a cashback site. Many also offer discount codes online so search before you go. Never pay full price!
57. Sign up for free trial weeks at your local gym. You and the family can use them, even if it’s just for a day. That saves me on average £10, but for four over eight-years-old that would be a saving of £20.
58. Save any condiment packets and keep them in your bag. You never know when you have to pay 10p each for them and this saves a meltdown when out too!
59. Most cinemas have a cheap night or day. Mine has kids showings for £2.50 each or Super Tuesday where tickets are half price.
60. Use sites like Compare the Market that offer you buy one get one free on cinema tickets if you buy a product through them. We bought a £2.99 travel plan with them and now receive this offer for a whole year. So even if we go once, we would have already made our money back.
61. Unless you are on a strict exercise regime, paying as you go will always be cheaper. Even if you go twice a week, paying as you go is cheaper than a monthly membership.
62. Don’t buy expensive programs from your day/night out. Most will be available online anyway for free.
63. If you need a FREE day out, then there are plenty of museums that offer a fun family experience.
64. Many National Trusts offer cheap annual passes for the family that you can use over and over again for about £30.
65. Take your own lunch everywhere you go.
66. Take your own equipment. Ice skating, tennis, football, anything that you’d normally have to pay a few quid extra to borrow.
67. If you’re a student, then remember to flash your card everywhere you go. You’d be surprised how much you could save.
68. Some supermarket loyalty cards offer money off top attractions certain times of the year. Find out when and go.
69. Ask for tap water while out. If the restaurant serves alcohol then by law they have to supply free tap water.
70. Live out your cupboard once a month to clear out any old tins you’ve forgotten about. This help make dinner exciting again.
71. Reduce portion sizes. Try making your normal one big meal past for two.
72. Weight everything. Pasta, rice, even cereal. Check the recommended per person portion and stick to that.
73. Buy a joint and use it for multiple meals. We buy gammon a lot and use it for two to three meals.
74. Plan your meals and take a shopping list. Stops you from going crazy around the supermarket and buying double items that you already have. You can use my FREE shopping list and Meal plan here.
75. Always check your cupboards, freezer and fridge before you go.
76. Never go food shopping hungry. it will cost you a fortune.
77. Turn any overripe fruit or vegetables into after-school smoothies.
78. Buy frozen fruit and vegetables. They keep longer and you only need to use what you need for each meal.
79. Grate vegetables if you can. It helps bulk the meal out but you’re still using the same amount of veg.
80. Go shopping late if you can. Items are normally reduced after 730pm.
81. Price match. Many supermarkets offer you 10% off your shop if they are more expensive.
82. Use cashback apps like Receipt Hog that will give you money back on your normal shop.
83. Don’t get sucked into buy one get one free offers. Only buy them if you WILL use them.
84. Remember to buy lunch for work too. If you normally buy coffee or a donut on the train, then buy it with your shopping and take it with you. You could save an extra £5 a day by doing this alone!
85. Debrand. I always start from the bottom and work my way up. Did the kids notice that you bought a different brand of yogurt or ice cream? Did the other half comment on the new tea? If not, then swap them. You’d be surprised how much you could save here.
86. Shopping online could save you money. Remember to pick a free delivery time slot though and keep track of how much you’re spending as you go.
87. Have a week of just cooking from scratch and using your kitchen staples. Yep, it takes time but you’ll soon notice how much cheaper it is to make than buy.
88. No need to buy expensive cleaning solutions. Grab yourself some Bicarb and white vinegar and watch your kitchen shine up like it’s new.
- FREE Money Saving Printables, which includes Meal plans, Shopping Lists and Budget Planner
- Weekly Meal Planning: How To Do It So It Saves You Time and Money
- 7 Money Saving Tips for Christmas: Act Now to Slash Costs
89. Buy second-hand toys and clothes where you can. They really don’t care and won’t even notice.
90. Box up toys that aren’t used and rotate them. They think they have new toys and it stops them from asking for more.
91. Make your own gifts for family members. Handprints, drawings, and writings make Grandparents very happy.
92. Reuse clothes between the family. Has your sister in law just had a baby? Can they use the clothes? Do they have an older sibling you could borrow from? Only buy what you need.
93. Freeze baby food or snacks as you go. Making a huge batch then taking it out when you need it stops you buying jars or quick snacks when the kids are hungry.
94. Use your local NCT Nearly New Sales for second-hand toys or clothes. You can also sale yours for a small cost.
95. Don’t buy to much uniform. Spread the cost and the waste by buying just what you need and then buying as your kids grow.
96. Buy against the seasons. Buy all the summer stuff in winter when it’s in the sale and winter in the summer. Yes, you have to guess sizes but at 3 and 5 I can kind of guess what size they will be.
97. Label everything so it doesn’t go walkabout.
98. Use the library for books. It’s free and they can normally take home four each on your library card.
99. Stains on clothes? Don’t worry. Leave them in the sun and watch the stain disappear!
Phew and breath. Have I missed any? Let me know in the comments below.