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Cut overheads. Use www.uswitch.com to see if you can reduce any of your existing household bills. Switching providers can be a pain, so it’s always worth asking your existing supplier if they will match the lowest price that you have found. |
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Reduce debt. Credit cards and overdrafts are very expensive ways of borrowing money. Speak to your bank about consolidating your debt into a loan. If you maintain your monthly payments but reduce your overall interest rate, you’re on your way to being debt free. Do not be tempted to take out a bit of extra spending money! |
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Use cash. These days, we seem to flex our plastic without thinking. How much do you spend on discretionary items per week? £80? £800? Take that amount out in cash at the beginning of the week, hide your cards and see if you can make it to the weekend. |
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Buy big. This is the bread versus cake argument. We don’t really miss the little treats as long as there are some bigger indulgences to look forward to. |
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Buy smart. And as with the tenets throughout this website, try to never pay the first price that is offered. Use price comparison websites, wait for sales, save coupons, google promotional codes, barter, haggle… |
