Friday, 16 February 2018

3 Money Saving & Budgeting Tips*

I've written quite a few money saving blog posts over the last year or so, because who doesn't want to have a little bit of spare money at the end of the month? I've mentioned things like survey sites, buying value items and reward cards before, but recently I've started using a few different apps which I had to recommend and I've also found some other gems online which I think could be really useful for some people. I think no matter how much you earn, it's always nice to be able to save where you can and find ways to make life a little bit easier.

Money Saving Apps

Recently I downloaded 2 different money saving apps which have been brilliant for vouchers and freebies. The first one is Shopmium which has new offers each week, some are for completely free products, and others have money off. The app is really simple to use, just pick up the product in store which takes your fancy, scan the product and the receipt once your home and then they'll reimburse you. My first offer when I signed up was a free bar of Cadbury for £1.50, within a few days of scanning my receipt I had the money back in my account! At the moment if you sign up with my code you can get yourself a free jar of Nutella! It's well worth doing and my referral code is 6WY46. Another app I've recently downloaded is Shoppix. All you have to do with this is scan your receipt every time you shop, you'll get tokens and eventually you can convert these to cash or vouchers! It really is as simple as that and it's brilliant for any little top up shops you do as you can really get something for nothing. For an extra 200 points you can sign up with my referral code CLPPLIXU. With this app you also get surveys each week to complete which give you more points.

Payday Loans

Before applying for a payday loan you really need to be sure that you can pay the money back, and if you can and you're in urgent need of cash, then it might not be such a bad idea. I wanted to mention this as though it's preferred to have money set aside for any emergencies, that isn't always the case. There are many payday loan companies out there now but the one I wanted to mention in this post is Cash Lady. They are a well-established and reputable business who really care about all of their customers. When considering taking out a loan it's important you are well informed and are clear about what you are signing up for. Cash Lady are always honest and transparent when advising on payday loans and they are always working to get the best outcome for you. You can find heaps on helpful information on their website and also as there is no charge for making an application, there is definitely no harm in getting in touch and chatting with someone to find out more and get the best advice before going ahead. As payday loans can help with your finance on a short term basis, they are a great backup plan if something goes wrong with your paycheck or if something breaks unexpectedly. As long as you have money coming in and can cover the cost of repaying then it's worth considering for the future.
cash lady

Check Your Budget

It's really important if you're wanting to save money or cut back that you budget each month and know exactly what is coming in and going out. It's easy if you're struggling to act as if it isn't happening and ignore it but that only makes things worse. Sit down and make a list, and go through what could be done. You might find you're paying for things and not actually using them, Netlflix? Well if you're not getting much use out of it, cancel it and you've saved yourself almost £10 there. The same goes for things like Gym memberships. If you're not going, cancel and use that money for something else! Only by budgeting will you find things like this and you might surprise yourself and find many ways you can save yourself some money. Aswell as making sure you budget each month, it's also worth checking out some freebie sites for any little extras. I literally just Google free stuff sometimes and so many sites come up, and you can get yourself free bits of food, samples of laundry bits, and loads more. It's always worth having a browse each week.

There are so many websites and apps out there now which help you budget and save money but these are the 3 things I really wanted to talk about as I think they're all useful for different people in different situations. I'm always looking for new ways to save so let me know if you have any other tips or if you've used any of these too!

Similar Posts - How I Budget // Saving Money On Your Food Shopping

*Sponsored post in collaboration with Cash Lady. I only work with brands relevant to me and my blog

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