Now that Christmas is over and January is here, a lot of us likely have a large hole in our pockets where money used to be. January and February are always the hardest times of the year and these can be difficult months for a lot of people all over the world. Today we are going to take a look at some super easy ways you can be frugal every day and recoup some of that lost cash once more.
1. Install a Programmable Thermostat
One of the things you might notice if you have a regular thermostat is the fact that it will turn itself on and off at certain times throughout the day. While this isn’t an issue most of the time, when you leave the house and go to work your heating might be on and costing you money for nothing. This is why installing a programmable one is a great idea. You will be able to set times of day and temperatures to make sure that the heating only comes on when it needs to, and when you are in the house.
2. Coupon It
Unless you want to be stuck using payday loans online to get your weekly shop, you need to be smart with how you conduct your food shopping for the next few weeks until you are back on your feet. As well as budgeting for your food shop and choosing big batch meals to make things cheap: you can also think of using coupons. When you go online or in store you will be able to find coupons for different items in store. If for example you see a coupon for pasta, you could plan to make pasta bakes or spaghetti Bolognese during the week to use this ingredient. Shopping in this way for a while can make all the difference and it will allow you to save.
3. Be Smart On The Road
One of the factors you may not have considered when making better decisions in your life is to drive safely. Make sure that you don’t incur a speeding ticket for no reason, don’t park where you aren’t supposed to and even consider avoiding driving when you can to save on fuel. Being safe on the road is common sense but it will also save you paying out for repairs or for tickets.
4. Ask For Lower Interest
If you have had a credit card for a long while and you are a loyal customer to a company, it might be worth trying your hand at negotiating. When you are a loyal customer, credit card companies will want to keep you happy and this can give you the power to ask for a lower interest rate. Interest is always a pain in the neck to pay and if you can save on this cost it can make a big difference.
5. Always Check Your Phone Bill
When we have a mobile phone or even a landline, it can be easy to let the money come out of our account every month without checking if this is correct. It is always crucial that you check your bills as they come through and make sure that what you are paying matches what you are using. It is a simple task and it will ensure that you are overpaying for your service.
6. Plan Food
When you go shopping for the week, do you have a plan? Do you write down what you plan to make each night of the week to ensure that you don’t overspend? If not, you should. The worst thing you can do is go to the shops without a clear plan of what you want to buy, and this becomes even more apparent when you overspend on snacks and ingredients you don’t need. Before you go shopping write down each day of the week and a meal next to it. It could go something like this:
Thursday: Chicken and Vegetables
Once you have written this down you can write down what you need and leave it at that. It will save you a lot of time and money.
7. Make Lunch
When we are working every day of the week it can be difficult to have the energy for making food when we get home, and often lunchtimes at work consist of grabbing a sandwich from the local shop. However this can get very costly and it is much easier for you to make your own lunch at home. The night before work, make a sandwich or even pack some leftovers into a tub and take them with you. This will prevent you needing to head out to the shops and will stop you buying things you don’t need.
8. Use Netflix
Cable TV is something that many of us are used to using every day and it is a service which we all still have even if we don’t use it as much anymore. However if you have a streaming service like Netflix already or you are simply looking for a way to save money, ditch the cable payment each month and stick to your streaming instead. You can save a ton of money and it will be much easier for you in the long run.
9. Quit The Gym
Don’t be Chandler from friends and don’t simply have a gym membership in your wallet because you are afraid to quit! If you don’t ever use the gym there is no sense in paying for a membership and you are wasting a lot of money each month. Try doing workouts at home or outside if you want to keep fit, but if you don’t visit the gym at least once a week there is no sense in paying for it at all.
10. Get Better Windows And Doors
When it comes to the security of your home, your windows and doors are crucial. These are the access points to your home from the outside and they will be what determines how easily someone can break in and steal from you. As well as this, windows and doors can make a difference to the heating in your home, and small gaps can cause you to overpay for your heating each month. Make sure when shopping for windows or doors that you look at the energy ratings because this can make a big impact on what you pay.
11. Decrease Car Insurance Deductibles
If you know that you are a safe driver by all accounts, there is no need for you to worry about your deductibles because you won’t need them. If you are paying out for coverage you don’t need every month it is a waste, so if you know that you are a safe driver you can reduce this and save yourself a payout each month.
12. Wash Your Own Car
Although a trip to the car wash is easy and it can save a lot of time, it is more expensive than doing the job yourself. If you are washing your car every month at the local car wash it can build up and the cost isn’t needed. Get the hosepipe and a sponge and get to work!
13. At Home Haircuts
If you need to have a trim every now and again and you aren’t looking to have a whole new style, there really isn’t any need to go to a hairdresser. You can ask a family member or friend to cut it for you and this will save a lot of money for you every few months.
14. Wear Clothes More Than Once
It might seem like something which is pretty obvious, but it is surprising how many people wear an item of clothing once and then put it straight into the washing machine afterwards. If you want to save yourself some money every week you will want to do less washing up, and the best way for you to do this is to wear your clothes more than once and get some use out of them before you wash them. It will make a massive difference to your laundry habits and will save you time and money. It’s a win win situation!
15. Have Shorter Showers
This one is a hard one to bear in these cold months, but the longer you stand in the shower contemplating life and the meaning of it all, the more energy you are using and the more money you’ll spend. If you can cut down your regular shower time by just 5 minutes, it can make all the difference and you’ll have a lot of money in the long term.
16. Energy Saving Bulbs
Put those halogen bulbs in the bin and replace them immediately. The impact that a good light bulb can have on your home is unbelievable and honestly? It’s totally worth the investment for you to make. Save energy and save money.