No matter how frugal you consider yourself to be, there’s a good chance that you occasional over-spend on things you don’t need. These days, we’re all victims to an increasingly convenient shopping environment. When deals and offers are delivered by brands directly to your smartphone, and all you need to do is tap to purchase, it’s difficult to convince yourself that you don’t really need to buy.
Unfortunately, if you’re not careful, your poor spending habits could stop you from achieving your financial goals. The good news is that there is a way to break the cycle. Here are just some of the ways that you can stop spending money on things you don’t need.
When it comes to finance, you do not have to be the owner of a business to benefit from some smart lifestyle finance tips.
Hopefully this post can help give you some useful guidance in saving money on your every day life for both you and your family.
Financial Calendar and Budget
One of the easiest and most effective ways of being on top of your finances is creating a financial calendar. This will allow you to outline your month to month spending projections and bills and organise your finances around this.
If you have experienced financial difficulties, you know that you could spend a huge amount of time on worrying while trying to deal with these situations. It often feels like you are alone and isolated and not sure which way to turn. Some companies can help you no matter what financial situation you are in, and if you are unable to get a consolidation loan, you may need to think about creating a debt agreement with your creditors. However, this solution is not always the best for everyone as there may be other methods more suited, and there are also consequences when you take out this type of loan.
Who watched the Royal Wedding? Unlike Prince Harry and Meghan Markle your wedding could take years and years of planning! But what’s next when the vows are said and the day is over? Together with Angelic Diamonds, retailers of engagement rings, we take a look at the costs that you’ll face after the wedding day, from starting a family to moving to a bigger home.
Starting a family
For many couples, having children is the next big step after marriage. In the US, the average time a couple waits between getting married and having a baby is three years. We started just before the wedding, but at that time it wasn’t meant to be.
The following research conducted by Nicotinell, a company which can help people when they have ambitions of quitting smoking, has provided insight on how much smoking costs across Great Britain by those who have taken up the habit…
Understanding where the research came from
The basis for the research comes from the fact that the average daily cigarette consumption for men across Great Britain sat at 12 cigarettes in 2016, according to the Adult Smoking Habits in the UK: 2016 report put together by the Office for National Statistics. This figure sat at 11 cigarettes a day for women. Over a year, these figures work out at 4,380 cigarettes for men and 4,015 cigarettes for women.
Now I’m on maternity leave, this past week I have sat down thinking about ways to save money on your weekly shop. Maternity pay isn’t a great deal in fact it’s only £140.98 a week (as of March 2018) so when you are used to working full-time it’s a big drop in wages. In our household I mainly pay for groceries, this is an area I know we can save money on.
I have been thinking about tips on how we can slash our grocery bill each week and have come up with these top tips. I hope you find them useful to help you save money as well.
Top Tips to Slash Your Weekly Shopping Bill
- Meal Plan – This is the most important one! Before you head out the door sit down with a cup of tea and plan ahead for the week. I’m now doing this on Fridays before we go shopping on Saturdays. I also keep a check of what I’ve got in the cupboards and freezer to see what I can use up for the coming week. I have the husbands birthday coming up this week and while hunting through the cupboard I found I had all the ingredients to make a fruit birthday cake for him except the eggs. When I was working full-time, running a household with a toddler around I never had the time do meal plan as such. Therefore I always bought extra I didn’t need.