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BRINGING MORE MONEY IN TO THE FAMILY HOME

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Ask any modern family, and they will tell you that money is one of the most frequently revisiting problems they experience. For many of us, money can prove to be a real nuisance, and this is going to remain the case as long as you are not aware of how to improve it. As it happens, there are countless ways that pretty much any family can hope to bring in more money or to save what they already have. Knowing this, and doing everything you can to make the most of the situation, can mean that you live a much happier and healthier life with your family.

 

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Plan Meals

 

One of the most basic ways to save a surprising amount of money is to plan your meals well in advance. When you do this, you will find that it is much easier to save money on your weekly grocery shopping. And for most families, this does tend to be one of the major expenses, so reducing this is likely to make a considerable difference to your life overall. Planning meals is a lot simpler than you might think. Make sure that you vary your meals accordingly, and that you remember to actually plan for all meals (in other words, don’t forget breakfast and lunch!) Do this right, and your finances will thank you.

 

Live Greener

 

We have all heard plenty about living as green as possible. No matter who you are, you should agree that living a green life will help you to save a considerable amount of money. Not only that, but you will be helping the environment as well, so everybody really does win here. If you want to be a bit more green, there are plenty of things you can do, from the minor to the major. On a larger scale, you might want to visit the Nicholls website and see if ground source heat pumps are suitable for your home. This is a kind of heating which can save you a lot of money, and is more environmentally friendly as well. On a smaller, everyday scale, you could simply endeavor to use less water or to ensure your home is insulated properly. All the little changes you can make will add up to make a huge difference.

 

finances

Online Earning

 

If you actually feel in need of bringing in more money to your home, then you might be pleased to know that you can do that pretty easily these days. Thanks in large part to the Internet, you can now make extra money online incredibly quickly and easily. No matter what kind of time you might have to spare, no matter how little, you will be able to make some extra money if you know where to look. You have a lot of options here, but just make sure that you go for something that actually interests you above all. You don’t want to spend your time doing something soulless, but you can easily make a lot of money if you are happy, say, carrying out online surveys or installing a google add-on which pays you for clicks.

 

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TOP TIPS FOR SAVING FROM MY GRANDMOTHER!

tips to help you save

 

 

My Gran passed away a long time ago but there are things that have stuck with me – sayings that are often not repeated but sayings that I believe should be repeated and passed down from one generation to the next!

 

Living on her own for over 20 years after my Grandad died, she was a keen saver who saved each year to travel to visit her sister in Canada at the same time as going on outings with her friends and making sure her house was always spotless.

 

So, what were my Grandmother’s top tips?  Well I’ve listed some of them below just for you…

 

Grow Your Own

While Gran never had a large garden, she did grow herbs in a plant pot on the windowsill just outside her kitchen window.  Why not consider buying a few seeds in your local pound shop and get planting?  Will certainly save you a few pounds and make your food taste delicious.

 

Waste not, want not

I always found this saying confusing as a child but as an adult it makes perfect sense.  Gran was always about preparation, making meals in bulk and ensuring nothing went to waste.  Why not give your own meal planning a go and head over to my How to Meal Plan post to find out how?

 

Look after the pennies and the pounds will look after themselves

Again, another saying that only made sense as an adult.  But it is still true today, break your savings target in to small chunks and just concentrate on saving a small amount – after all it will soon amass in to a large amount of savings without you worrying too much!

 

Make do and mend

This really is a classic and one which has seen a revival in recent years.  My gran always mended – mended her skirt, sewed patches in her bedspread, fixed rather than throw something out.  Why not see what things you can mend instead of throwing them out?  I recently mended our tumble dryer – bought the part on EBay and watched a YouTube video on how to install it – saved myself hundreds!

 

Happy Saving!

 

Elf x

 

THINGS YOU CAN DO OR SELL TO MAKE EXTRA CASH

HOW TO EARN CASHBACK FROM SHOPPING ONLINE

MAKING EASY MONEY WITH SURVEY SITES

EARN EXTRA MONEY FROM CLICKWORKER

WANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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5 TIPS TO HELP YOU CREATE A BUDGET

how to create a budget

 

A recent survey by CIPD (Chartered Institute of Personnel and Development) and Close Brothers Asset Management found that 25% of workers reported money worries had affected their performance at work and feeling tired at work because of sleep loss was the most common way in which fretting about money affected job performance.

Families can find themselves carrying a lot of stress related to finances, having to juggle debt, mortgage, loans and day to day finances.

I believe it is extremely important to work to a budget, while it may seem a bit boring it is something that we should all do to take control of our finances and our life, it will also hopefully help you reduce the amount of stress you are under and at the same time allow you to consider reaching your financial dreams.

So how do you budget?  Below are my top tips on setting your own.

 

Focus

 We all have dreams for the future to gain control of your financial future start by writing down your financial goals.  This is a great way to allow you to visualise the goal.

 

Track your income and expenditure

To get a handle on your finances it is important to list your income and expenditure.  Below you will find an income and expenditure tracking form, download it today to help you.

 

First step is to know your actual income from your salary, benefits, child benefit etc.  Once you have this information you can then move on to your expenditure.

 

Note down your bills and whatever other monthly expenses you have including those trips to the coffee shop or the times you nip in for a pint of milk but end up spending over £20!  Check all you statements, your receipts and itemise them to understand where your money is going.

 

Once you have this detailed information you can create a realistic budget to help you keep track of your monthly budget.

 

Ways of cutting down

Once you establish your true income and true expenditure have a look and see if there are ways you want to cut down so you can start saving.  It may seem a daunting task but break it down in to manageable chunks.

 

Some tips I recommend is to consider re-negotiating your current services such as mobile, home insurance, broadband and cable TV services with your current providers.  However, before calling them visit a cost comparison site such as Go Compare and see if you can get better deals by getting a quote for each of the services.

 

With this key information to hand contact your current providers and ask them what kind of discount they could give you.  Pass on the deals you have found on the cost comparison website.  More times than not, they will offer you a discount.

 

Personally, I have saved hundreds doing this – I know you can too.

 

Do you have spending leaks?

Once you have established your income and expenditure and decided to get better deals on your household bills, the next stage is to sit down and assess what else you currently spend your money on.  You need to be honest with yourself.

 

Ask yourself the following questions: Why am I spending money on this item? Do I want or need this item? Is it worth that much? Is this purchase trying to make up for some area of my life that is lacking? Is there a less expensive alternative to what I want to buy? If so, why am I not willing to buy the less expensive alternative? What else do I want or need that this money could be used for?

 

Give your answers some thought. If you want to stop these spending habits then put strategies in place to deal with them such as setting a savings target for a holiday.

 

Whatever you decide to do, I recommend you keep your diary close and keep a spending diary so you know exactly where you spend your money.

 

Consider increasing your income

It’s not just about cutting back it is also about increasing your income.  There are many ways to do that.

 

Head over to the following blog posts to read more on extra ways to make money:

 

THINGS YOU CAN DO OR SELL TO MAKE EXTRA CASH

HOW TO EARN CASHBACK FROM SHOPPING ONLINE

MAKING EASY MONEY WITH SURVEY SITES

EARN EXTRA MONEY FROM CLICKWORKER

WANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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HOW TO SAVE MONEY ON CLOTHING, FOOTWEAR, ACCESSORIES & HOMEWARE

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There are times when we are under a lot of financial stress and more so when we need to buy clothing, footwear or accessories or have a gift ready for a friend or family member. In a bid to help you save money I wanted to share with you some of the top sales that are happening at the moment.  I believe with a little planning you could save yourself hundreds by buying items for upcoming birthdays, events and even Christmas 2017 all in the sales!

 

 

Florence & Fred up to 50% off sale

Fantastic for kids clothing too, t-shirts from £1.50.

http://fave.co/2m3z1H8

Remember you can cut down on the postage costs too by order with Free Click and Collect to a store near you!

 

 

Topshop up to 70% off sale

Some great items from clothing to accessories.  You can get a phone case for £1!

http://fave.co/2lBDzUl

 

 

Whistles up to 70% off sale

I just love Whistles but always wait for the sale!  Accessories are from £8 and t-shirts from £10.  Excellent quality at these fantastic reduced prices.

http://fave.co/2lGVABe

 

 

Jack Wills up to 50% off sale

Some great bargains for men and women.  Love the Fairisle Socks at only £3.95 here!

http://fave.co/2m7wkRT

 

 

Clarks Outlet Store – Always Reduced Prices

Yes a great place to shop for Clarks shoes – their outlet store have reduced prices all year round.

http://fave.co/2lH8Rtq

 

 

Oasis up to 70% off sale

Another great sale, this time from Oasis with up to 70% off.  Prices start from £10.

http://fave.co/2kUvJRz

 

 

ASOS up to 70% off sale

Another fantastic way to save money on birthday presents or gifts, with up to 70% off you can’t go wrong!

http://fave.co/2l2Z0dX

 

 

New Look up to 70% off sale

You can get items from 50p in the New Look sale – stock up!

http://tidd.ly/a2d92684

 

 

Superdrug Sale

Still some fantastic bargains to be had at the Superdrug sale which isn’t advertised!  Visit and you could be getting Christmas presents from 49p!

http://tidd.ly/c868be2b

 

 

Argento sale – Jewellery

Jewellery at a fraction of the cost in the Argento sale with rings from £3 – yes you read that right – £3!

http://tidd.ly/75fce031

 

 

Everything £5!

Not so much a sale but a great bargain from Everything5pounds.  Boots, shoes, jeans, tops and each item is only £5.  Why not have a look to see how much you could save?

http://tidd.ly/a2b7bfa5

 

 

Happy Money Saving folks 🙂

 

Elf x

 

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