21 SMART Money And Energy Saving Tips
With energy bills, fuel and interest rates
soaring, there’s never been a more critical time to make savings and learn how
to manage our money to the best of our ability. I cover many more tips and
money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out
for free - https://bit.ly/3isugCr.
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Here are some tips to help you save and
accumulate more money.
1 Pay yourself and save
first, spend what’s left
2 Avoid credit
card debt interest
3 Track your
income and expenditure
‘T’ for ‘track’ is
included in my programme, Master
Your Money the S.M.A.R.T
Way training. Check it out for free - https://bit.ly/3isugCr.
4 Start saving
and investing
Check out www.gov.uk/individual-savings-accounts for
more information. Check for the best cash ISA rates at Moneyfacts.
Shop around and be prepared to move your money to obtain the best rates.
5 Emergency or contingency funds
6 Loyalty doesn’t always pay - switch
suppliers
Check your latest utility statements and
check out comparison sites, such as uswitch or moneysupermarket.
7 Reduce your
car insurance
8 Review your mortgage
‘R’ for ‘review’ is
part of my programme, Master
Your Money the S.M.A.R.T
Way training. Check it out - https://bit.ly/3isugCr.
9 Check your tax code to pay less to
HMRC
10 Look for old
bank accounts and pension policies
11 Check for any
entitlements to benefits.
12 Reduce
your grocery bill
13 Avoid wasting food
14 Explore local
charities for help – there is an abundance of food given away by supermarkets
15 Check your workplace or private pension
16 Check your
state pension and NI contributions level
17 Use loyalty
cards, price match and vouchers and deal
finders
Try hacks
like VoucherCodes ‘DealFinder’ as
a plug-in on Chrome to be alerted to the best deals while buying online.
There are hundreds
of money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can get
paid to walk and exchange your steps for store discounts and
freebies.
18 Cut energy bills
Check out the Energy
Saving Trust for some great energy and money saving
hacks.
19 Sell unwanted stuff on
resale platforms
You can turn
unwanted clothes into cash using
resale platforms such as Depop, Vinted and eBay.
20 Mindset – avoid emotional spending
and blowing your salary on payday
In my programmes and YouTube
Money Tips Podcast videos I talk about money mindset. A recent survey
by Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half their
spare monthly wages within 48 hours of payday!
21 Plan, organise and forecast
The key is in planning and organising your
expenditure, work, goals, relationships and life! As in the first tip, prioritise
essential expenditure and your savings pot, before spending.
Finally, searching for the best deals,
tracking and reviewing your finances and being mindful of spending money on
things to don’t really need will not only help you get through the current
crises but help you form lifelong habits that will enable to build wealth.
For more ideas and
tips, see out my new training to help you get control of your finances in 28 days!
Click to join: https://bit.ly/3isugCr
