How to Stop Spending Money and Start Saving

No matter where you are in your money saving journey, there are some really good FREE tools that can help you along the way, plus save you loads of time on writing lists or searching for the best deals.

The trick is knowing the right tools to use at the right stage of your saving journey so you don’t end up with a stack of apps you don’t use that could start costing you money or full back into bad money habits.

My commitment to you is that everything on this list I have personally used or use currently myself. It something then doesn’t work for me, then I’ll say here or delete it, depending on the issue.

Many of these links are affiliate links, which means I may get a very small commission if you purchase something or sign up. There’s no pressure to use any of these services and none of these websites have asked or paid me a fee to be mentioned. These are just the sites I use and some have given me an extra discount just for being a reader of Savings 4 Savvy Mums.

If there’s anything you think is missing from this page, please email me at [email protected] with your suggestions. I’d love to hear them!

Cheap Reads

The Savvy Shoppers Cookbook by Amy Sheppard

Packed with easy, cheap and nutritious meal ideas perfect for the whole family.

Fast and Fresh One Pound Meals by Migual Barclay

This is how to cook delicious food for less. All cost just £1 per person and are easy to do.

Eat Well For Less by Jo Scaratt-Jones

This has over 80 delicious recipes, an easy to follow meal-planning guide, advice on freezing and storing food, a family budget planner and lots of ideas to get kids cooking.

Making Money

TopCash Back

Earn money back when you shop online or in-store.


Get cash back on everything you buy online, including on holidays, mobile phone contracts and clothing.

Profit Accumulator

A matched betting tool that gives you the best odds and lays out clearly your lay bet. It’s free to use in till you make £45. This gives you enough time to work out if matched betting is really for you.


Earn giftcards from doing the normal things you do online, like searching for insurance quotes or watching videos.

Cheap Eats


Money off restaurant card that the whole family can use. Gives you 50% off at many well known chains. Is currently £1 for 90 days if you buy before the end of January 2018.


Money off everywhere including the cinema, big chain restaurants and days out. Currently £1 for 30 days! 

Gourmet Society 

25% off your total bill with drinks! Currently £1 for the first 90 days. 

Muscle Foods

Cheap but healthy cuts of meat for the whole family. Loads of bundle deals available and it comes straight to your door already packed, ready to be refrigerated and frozen.

Managing Money


I love Yolt and still use it now. Yolt predicts future spending so you have a “smart balance”. You can see all your accounts in one app, including any investments or savings you have.


Cleo uses a chatbot in Facebook so is perfect if you’re in their a lot. It’s easy to use and gives you instant access.


Still in beta mode, Emma has already been FCA approved so your data is better protected but the app itself is still very stripped back.


Held in a Barclay’s e-wallet, Chip is great if you want to save easily and have access to your money quickly.


Like Cleo, Plum uses Facebook Messenger rather than an app. It has a great daily notification tool and can give you daily, weekly or monthly balance.

The Best Cheap Outlets the Web has to Offer

Ann Summers eBay Outlet

Loads of discounted lingerie, gifts, and accessories. eBay Outlet

Reduced fridges, washing machines, TVs, pretty much anything electrical.

Argos eBay Outlet

Refurbished and new toys and electricals. Like the high street shop but with more money off.

Asda George Clearance

Up to half price off kids and adult clothing.

Boohoo eBay Outlet

Loads of designer clothing brands at a discounted price.

Co-op Electrical eBay Outlet

All new appliances. Cookers, washing machines etc

Currys PC World eBay Outlet

New and used laptops, games consoles and phones.

Debenhams eBay Outlet

Loads of UK clothing brands at low prices.

Dyson eBay Outlet

New and refurbished hoovers, fans and heaters.

Hawkin’s Bazaar Clearance

Up to 20% off on toys, like flying drones and lava lamps.

House of Frasier Clearance

Up to 50% off women’s clothes and 30% off homeware.

Laura Ashley eBay Outlet

Loads of furniture bargains.

Littlewoods eBay Outlet

Designer clothes and electrical items at low prices.

Mamas and Papas Clearance

Up to 69% off of bedding, car seats and prams.

Marks and Spencer Outlet

Up to 50% off on furniture and 20% homeware.

Mothercare Outlet

Discount clothing and toys, shipped throughout the UK.

Office eBay Outlet 

Shoes! Loads of designers like Converse, Vans, and Adidas.

Smyths Toys Clearance  

Up to half price off kids toys, like Barbies, Lightsabers and games.

Sports Direct eBay Outlet

Up to 80% off sports clothing.

Superdry eBay Outlet

Branded women’s and men’s clothing up to 75% off.

Tesco eBay Outlet

Branded items including homeware, toys, and electricals.

Toys R Us Clearance 

Up to 50% the top kids toys.

Very eBay Outlet

Clothing labels for women and kids at a low price. Shipped throughout the UK.