Showing posts with label saving money. Show all posts

20 Smart Ways to Save Money When Travelling to Europe

Europe has a reputation for being expensive to travel to, and sure, if you’re sipping champagne in Paris every night and Uber-ing everywhere, your bank account will feel it. However, travelling to Europe on a budget is totally doable. You just need a few strategic ideas.

Lisbon


Here are 20 practical, tried-and-true ways to keep your trip amazing without burning a hole in your pocket.

1. Travel in the Shoulder Season

Skip peak summer (June–August) if you can. April–May and September–October mean cheaper flights, lower hotel prices, and fewer crowds. Avoid school holidays if you can. Bonus: you won’t melt in Seville or Rome!

2. Be Flexible With Flights

Use flight comparison tools and flexible date searches. Flying midweek is often cheaper. Consider flying into one city and out of another (open-jaw tickets) to avoid backtracking costs. Early flight bookings can save you money too. 

3. Use Budget Airlines (Carefully)

Carriers like Ryanair or easyJet can be insanely cheap. Just read the baggage rules like your life depends on it. A €15 flight can turn into €80 fast if you ignore luggage limits. Sign up for their emails to get a warning of impending sales. 

4. Pack Light

Budget airlines charge for everything. Travelling with just a carry-on can save serious money—and time. Decant your toiletries into small bottles for a short break away, or buy them in the local supermarket at your destination. 


5. Stay Outside the City Centre

Accommodation prices drop dramatically just a few metro stops away from major landmarks. Public transport is usually efficient, so you won’t sacrifice convenience. You can pick up a real bargain that way.

6. Consider Hostels (Even If You’re Not 21)

Modern hostels often have private rooms that cost way less than hotels. They’re clean, social, and sometimes even stylish. Many also have private rooms if you don't want to share bathroom facilities.

7. Book Apartments for Longer Stays

If you’re staying 3+ nights, consider a short-term rental. Having a kitchen means fewer restaurant meals—and buying groceries is way cheaper than eating out every day. Long-term lets at quiet times can be suprisingly cost effective too. 

8. Use A VPN

Using a VPN (Virtual Private Network) will allow you to access home content on streaming services you already pay for. So you don't have to pay to access films if you are staying in a hotel or apartment. It can also let you access lower rates for travel if you are in an expensive country by setting your location to a cheaper country. 

9. Cook Some of Your Meals

European supermarkets are incredible. Fresh bread, cheese, fruit, yoghurt—cheap and delicious. Picnic lunches = iconic and budget-friendly. Even in places that are expensive to eat out, like Iceland, you can go to the local supermarket and buy a substantial lunch for a third of the price of eating out. 

10. Eat Where Locals Eat

Avoid restaurants right next to major tourist attractions. Walk a few blocks away. If the menu has 12 languages and photos? Keep walking. It's always good to do your research on sites like TripAdvisor if you are looking for a special meal too. 

11. Take Advantage of Free Walking Tours

Many cities offer tip-based walking tours. They’re a great way to learn about a place without paying €40 for a guided experience. You can get a really good tour for less than 10 euros this way.

12. Use Public Transportation

Taxis add up fast. Europe’s trains, trams, and buses are efficient and affordable. Many cities offer daily or weekly transit passes, too. If you are unsure how to use the transportation in a certain county, check out guides on YouTube.

13. Check Train vs. Bus Prices

High-speed trains are amazing—but not always cheap. Buses like FlixBus can be much cheaper for certain routes. Sites like Rome to Rio can help you estimate how much the trip will cost and how long it will take.

14. Book Trains in Advance

For countries like France or Italy, booking train tickets early can significantly reduce the price. Check out InterRail passes if you are thinking of exploring a number of countries on one trip. These can be of very good value.

15. Walk More

European cities are made for walking. You’ll save money, burn off croissants, and discover hidden gems you’d miss underground. Always pack comfy trainers for exploring.

16. Look for Free Museum Days

Many museums offer free entry on certain days each month. Plan around them if culture is high on your list. Many museums in the UK are free all year round. 

17. Get a City Pass (If It Makes Sense)

Some cities offer tourist passes that bundle attractions and transport. Do the maths before buying—it’s only worth it if you’ll actually use it. 

18. Avoid Foreign Transaction Fees

Use a travel-friendly credit card with no foreign transaction fees. Those 2–3% charges quietly add up. I use Haiifax Clarity credit card as it has no foreign transaction currency fees. 

19. Limit Souvenir Spending

Instead of buying trinkets, take photos or pick one meaningful item per city. Your suitcase (and wallet) will thank you.

20. Set a Daily Budget

It doesn’t have to be strict—but having a rough daily spending target keeps you aware. If you splurge one day, balance it the next.

Final Thoughts

Travelling in Europe doesn’t have to mean choosing between pasta and paying rent. A little planning goes a long way. Spend where it matters to you (maybe that once-in-a-lifetime dinner), and save on the stuff that doesn’t.

Smart travel isn’t about being cheap. It’s about being intentional, and honestly, picnics by the Seine taste better when you know you didn’t overspend to get there.

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How To Grab A Jewellery Bargain

If you are reading my blog and especially if you are into fashion, then you probably like jewellery. Jewellery can really finish a look, and whether your style is classic gold, cool silver, or high-street fashion, there is a way to save on jewellery and grab yourself a bargain.

Check out independent jewellers


Independent jewellers can be great for a bargain. Many are family-owned and have great customer service. I used to own a jewellery shop myself so I know how amazing they can be. If you see that perfect item there why not ask if they can offer a discount. Often you will have more bargaining power if the item is of high value and you are paying in cash as debit or credit cards will charge the store a transaction fee.  Always make sure you have a receipt and buy from a store that is a member of an organisation such as the National Association of Goldsmiths that adheres to a quality and customer service code. Independent jewellers will often have a great second-hand jewellery section too, where you can buy pre-owned jewellery at a bargain price. 

 Buy online

 Buying online can mean that you can shop around for a bargain. Take note of seasonal sales, for example, Black Friday, and New Year sales, and you may get that piece of jewellery you have been looking at for ages at a knockdown price. 

Sites such as Latest Deals are also worth looking for jewellery bargains. They will show you a range of jewellery bargains and direct you to the company's website at no cost to you. 

Also, check out sites for jewellery discount codes so you know you are getting the best deals.

Go to an auction house

An auction house where people put their items into an auction sale will often have a decent range of jewellery. Check out a site such as Biddle and Webb, based in Birmingham who have specialist jewellery and watch auctions every few months. If you can't make it in person to an auction house you can often bid online for that special item you want. Auction houses charge a commission if you are selling or buying from them so check out the charges beforehand, which can vary from 10 to 20 per cent.

Car boot sales

 You can occasionally get a jewellery bargain at a car boot sale. Check out local magazines and newspapers for dates of the car boot sales in your area. They often run every weekend in the summer. Get there even as it opens to check out the bargains before the hoards ascend on the stalls. It's a great place to pick up some fashion jewellery, and if you are lucky, even silver and gold. If you are serious about a bargain, bring along a magnifying glass to check for jewellery hallmarks.

Antique and vintage stores

Antique and vintage stores are amazing places to find unusual and unique jewellery items.  Antique and vintage store owners can be pretty knowledgeable about what they sell so it's always a good idea to bring your smartphone and Google the maker mark to find out about an item of jewellery so you are better informed to see if you have a bargain or not. These stores are a place to get that unique jewellery item only some people will have.

 Charity shops

 Charity shops are a place to find a jewellery bargain. They will often have a cabinet with jewellery near the counter. To find a real bargain you will have to hope that the staff don't know how valuable the items are! Again bring a magnifying glass (or a jeweller's loupe) to check for a jewellery hallmark. If you know your collectable jewellery brands such as Tiffany, then you will be better equipped to find that special piece. You can pick up some great new and vintage items at charity shops.

 As you can see there are a number of places you can grab a jewellery bargain. So whether you are adding to your Thomas Sabo collection, grabbing the latest Pandora charm, or trying to find a Clogau Gold ring at a bargain price there are places you can look. Let me know, have you ever bought an item of jewellery as a knockdown price?


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Some Tips For New Freebie Hunters

Everyone loves the word "free." That's why you will find countless people lined up outside of Krispy Kreme when they are giving away free doughnuts. Yet the truth is, that people will go to any lengths to get something for free. Yet if you are interested in the freebie game, you will want to follow certain rules to ensure you get the most out of it. If you need to be better versed in the world of freebies, read on to find out my tips below.

Top Tips For Freebie Hunters

freebies


1. Don't Believe Everything You See

It is exciting when you get freebies however don't let your judgement become clouded by the potential of scoring freebies. Getting something for free can give us a very powerful emotional response which can trick our brains into valuing it more than it is worth.  This may cause us to forget our common sense and give away more personal information than we should. With companies looking to acquire more data than ever before, you need to ensure that not only the freebie sounds genuine, but you also read all of the terms and conditions. 

2. Don't Allow Your Expectations To Go Unchecked

The truth is, most of the freebies you'll get are going to be relatively small. Companies are giving away freebies for a specific reason. That reason is typically to get you to try their product so you can become a repeat customer. They know that if you try and like their product, they are likely to win you over as a customer. Thus, often you get smaller sample sizes when you sign up for a freebie. Don't expect to get a full-sized product. 

Likewise, these companies get so many freebie requests that you may not get everything you want. They sometimes have a limited number. To ensure that you aren't wasting your time, you should examine the terms and conditions when applying for freebies. Generally, you can find your odds of getting the freebie in there.

3. Always Ask

This goes for pretty much everything on this planet. You aren't going to get what you don't ask for. It's always worth emailing or sending snail mail to these companies with a polite request if you really want to try a product.  Let them know that you want to try out their product or enjoy using it. You will have more luck when a product has a new formula or is new. 

4. Don't Feel Guilty

When you are applying for freebies, don't feel guilty.  You may think you are taking advantage of the system or a company but the fact is, they aren't doing it for your benefit. They are giving away products and freebies because they know it can help them win over a customer. It's an effective marketing strategy. They know it may boost sales and score new customers. 

5. Get a Second Email Address

Don't dish out your primary email address. When you sign up for freebies, you are often required to input your email. This will give the companies a place to send marketing offers. The last thing you want is to clog up your primary email address with offers from all of the brands you're applying with. So get yourself a 'freebie' email address and use it only for this.

6. Get Ahead Of The Competition

As I said earlier, everyone loves freebies. Because of this, applying for freebies can be competitive. You will have a lot of other freebie hunters applying for the same freebies as yourself. The best way to stay on top of all of the latest freebies is by signing up for our curated newsletter. You'll get all of the day's top freebies sent straight to your inbox at around 11 am. Check out the freebie sites available online.

Let me know if you are a freebie hunter and what items you have managed to score.

*Collaborative post
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Where To Look For Freebies Online

There's a lot of free stuff online, but only those who know where to look can find it.

The old saying that says, "There's no such thing as a free lunch" is now obsolete. There are so many freebies readily available, that you can solve many of your problems without having to purchase anything.

Why You Need To Proceed With Caution




Freebies are awesome, but you should be able to disseminate between the good and the not-so-good ones.

There are situations in which it's better to avoid free stuff and others in which you should go ahead and get the goodies. This guide is going to help you understand what to look at before taking the freebie you need.

Twitter and Facebook

Twitter and Facebook are more than cool places to get fresh information on celebrities or on the life adventures of your friends. They are also the place to be for all freebie hunters out there.

Many brands are already present in social media, as that's where their potential clients are, too. Some of these use channels like Facebook to offer free product samples in exchange for a like or a tweet.

However, by overusing this opportunity, you can easily find yourself flooded with messages and updates from brands you don't really care about. Even worse, some of these companies may abuse your personal data. Social media is a thriving environment for fraudsters, so you have to be very careful.

Besides, your social media profiles speak volumes about who you are, so you shouldn't use them to endorse companies or products that could hurt your image.

Online Communities

The internet has helped our efforts to get rid of unwanted stuff. Freecycle and Freegle are only two examples of places where you can advertise your unwanted items for other people to take them. You can also use such websites to search for free things you'd like to have.

Sites such as Streetbank as well as specific donation groups on Facebook, have pushed this limit, allowing users to share more than items they want to get rid of. By signing up for this website, you can offer your services and list things you can lend to others or give away for good.

This enables you not only to offer your junk to others, but also to help people by lending them useful items, and to provide your services for peculiar tasks. The members of such communities help each other, thus being able to save some money by not having to pay for services or tools they need.

Nonetheless, you have to be aware that becoming a member of such websites involves giving as well as taking. You can't only benefit from the generosity of others without giving something in return.

Follow Freebie Websites

There are many companies that offer easy-to-win stuff on their Facebook pages. For instance, Domino gave away hundreds of thousands of pizzas to those who happened to be on their page by the time they announced the promotion. These special offers are difficult to get, as they last for a very short time. This is why you should follow some of the best coupon and deal websites. Personally, I'm a big fan of sites such as HotFreeStuff, because they usually post legit offers with quick expiration times. Here I can find lots of freebies that are in my neighbourhood, thus being very easy to get. You should search for such a website that caters to your area of residence, and follow it closely. Then you won't have to go very far away to collect your free stuff.

Unlike many other offers, you won't have to write reviews or use your social media accounts to promote anything. You may have to sign up for a newsletter or like a Facebook page. This isn't hard at all, so you'd only need a few seconds to grab your freebies.

Top 3 Sites


free stuff


1. Gumtree

Gumtree boasts a freebies section which is very similar to Freecycle. Its members upload stuff they don't need any longer.

You can expect to find some rubbish among all these listed items, but you may also find things you've always wanted to get. For instance, I've spotted a dishwasher, a vintage typewriter and a coffee maker in only one day. Things some people don't want to use anymore can be other people's treasures, hence the popularity of such websites.

2. Hot UK Deals

Hot UK Deals has been around since 2004. You can register for free. The site features the latest top 10 best deals, lots of competitions and requests for deals on certain products. It is definitely worth checking out.

3. HotFreeStuff

Hot Free Stuff is a user-friendly website that lists over 600 freebies. They add 5-6 new ones each and every day, so you'll find something new each time you check it out again. By taking a look once a day, you can stay on top of the news, and grab your desired stuff before it goes away.

Most of these freebies are product samples such as shampoo, chocolate, and various other products. I love this site for its toiletry samples, as they are extremely handy while travelling.

Things To Be Careful About

Read The Fine Print

You may come across popups saying you are the happy owner of a £100 gift card to McDonald's or another store. I'm sorry to tell you these offers are nothing but fake. To get your card, you'll have to complete several offers, many of them requiring a certain spend. You'll end up spending a lot of money in exchange for your "gift card", so it's obviously a scam. This is why you must read the fine print, as well as the terms and conditions before signing up for anything, even when it comes to global brands or big and reputable companies. 

Finally, I always use a separate email in case of spam or your inbox will be inundated with emails. 

*Collaborative post


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Guide On How To Get Free Stuff

There are genuine freebies in the UK, but getting them requires you to have an intricate knowledge of how and where to look. Herein is the ultimate guide on how to get genuine freebies while negating the chances of getting scammed and ripped off in 2017.


Golden Rules Of Getting Freebies

woman with thumbs up


#1. Read The Fine Print

Whilst there are many genuine freebie offers, some of them come with a catch, which may include a requirement to purchase something before receiving a freebie. As such, they are not genuine freebies. It is thus important to ensure that you read and understand the fine print in the terms and conditions of every offer to ensure that you understand what you are signing up for.

#2. Conduct Extensive Reviews

Always conduct an intricate review of the offer you are about to sign up for. There are many reviewing sites on the internet and people users these days do review freebie offers. This means that there is a huge amount of reliable review information on the internet. If everyone or just about everyone has something bad to say about the offers, think twice about signing up. On the other hand, do not get hung up on the odd bad review.

#3. Never Give Out Online Payment Info

It is important that you do not give out your payment information while signing up for freebies. However, there are some offers (especially free trial offers) that require payment details as part of signing up. In such cases, always make sure that you cancel the offers before payments are made.

#4. Think Twice About Taking Up Extremely Enticing Offers

If it sounds too good to be true, then it probably is. Typically, genuine freebies range from free rewards and free sample products. However, you cannot expect to receive loads of cash or a free car sample. With this in mind, if the offer sounds ridiculously enticing, more often than not, it is a scam.

The Top Websites And Apps For Freebies




BzzAgent – They offer free products for mentions on social media sites such as Facebook, Twitter, and other popular websites.

GumTree’s Freebies Section – This section offers a wide variety of free stuff including TVs, sofas, Concrete, Scrap wood, and many other items.

ApplauseStore – This website focuses on offering free tickets to live TV shows, filmings and recordings.

ilovefreegle.org And Freecycle.org – These two websites are designed to help people give stuff they no longer use to any interested individuals in their local areas. They particularly come in handy if you are searching for stuff such as furniture.

ukprize.co.uk – It offers free samples, freebies, and printable vouchers for use in stores.

O2 Priority – This app is available on Android and iOS app stores and gives out freebies, offers, and awesome deals.

WeQ4U – As a freebie app, WeQ4U is quite specific. It allows users to get through to companies on their direct numbers (instead of 0800) and skip the queues, negating the price of phone calls to companies.

If you have any high-quality freebie websites or apps that should be on this list, please share in the comment section below.
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JamDoughnut The Cashback App That Saves You Money

This post is in collaboration with JamDoughnut but all the words and opinions are my own. If you use my affiliate code QHKQ when you sign up you get an extra £2 of points and I get a very small commission, at no cost to you.

Money is tight for many of us at the moment, but there is a simple way of earning as you spend, by downloading and using the app JamDoughnut. Let me explain how this works.

JamDoughnut is a cashback app that saves you money. The app allows you to buy gift vouchers from your favourite retailers. The gift voucher is stored on your phone or you can print it out. Also, every time you buy through the app it gives you points that convert to cashback. 

Jam Doughnut


It is currently the highest-rated cashback app on Trust Pilot and best of all it's free to use. That means you have nothing to lose!

Now I've used online apps in the past for cashback. Over the years I have saved thousands with shopping apps and travel apps that save you money when you buy from them, however, JamDoughnut is new to me so I was excited to see how it works. 

A Simple Guide To Using The App



  • Firstly download the JamDoughnut app and set up your account. 
  • Important! Use the code QHKQ when you sign up to receive an extra £2 of points with your first purchase. 
  • Browse for your favourite retailers. 
  • When you are ready, purchase a gift voucher for the value that you want on the app. You can use Google Pay, Apple Pay or bank transfer. Bank transfer has a better points rate and is quick if you have online banking. 
  • You will immediately receive points on the app that converts to pounds. It's as easy as that.

jam


Your wallet will show your active prepay codes (your gift vouchers) and the points you've received that you convert to cashback are also shown.

cashback-app


Each company do a slightly different rate but it equates to 3% back on average. However, they also offer 'pumped up' which means increased cashback on a variety of promotions throughout the year, so it's always good to check the pp on a regular basis.

pumped up


pumped up offer

To make it clearer 1000 points means £10 cashback. Once you reach that amount you can withdraw the money to your bank account. This happens within the same working day too.

Which Brands Are Included?

screenshot-jamdoughnut

There is a wide selection of brands on JamDoughnut, over 150, so you will be spoilt for choice.  Categories include Travel and Holiday, Eating Out, Events and Entertainment, Beauty, Home and Garden and Supermarkets.

Here are some of the brands below.

  • Aldi
  • Asda
  • Iceland
  • Tesco
  • Morrisons
  • M & S
  • Sainsbury's
  • John Lewis
  • Argos
  • Currys
  • Primark
  • Ikea
  • The Body Shop
  • Butlins
  • Airbnb
  • National Express
  • Royal Caribbean
  • Harvester
  • Costa
  • Cafe Rouge
  • Miller & Carter Steakhouse
  • Nandos
  • Pizza Hut
  • Cineworld

... and more

Opinions

groceries

JamDoughnut is an easy-to-use cashback app which is worth downloading. Where I think the app excels is in the choice of brands, especially supermarkets. Almost all of us shop at mainstream supermarkets on a regular basis for our grocery shopping and many cashback apps do not have supermarkets included. Well, JamDoughnut does, so it's easy to buy a gift voucher, (like I did for Aldi) and then use it on your grocery shopping within minutes.

I think cashback will also accrue quickly on big-ticket spending like holidays. If you want to book a stay with Airbnb or a cruise with Royal Caribbean for example, you can see the cashback points will add up quickly. 

If you eat out regularly in chain restaurants, it is also worth downloading.

The expiry dates seem long too. The voucher I downloaded for Aldi had an expiry date of 5 years which is great. This would be particularly useful if you like to put gift vouchers aside for an event like Christmas. I don't know if all brands involved have such a long expiry date, so be sure to check so you use the vouchers before expiry. 

Don't Forget

If you use my affiliate code QHKQ when you sign up to JamDoughnut you get an extra £2 of points on their first purchase 

So let me know if you download the JamDoughnut app and what you think of it! I'm off to do some more shopping so see you in the next blog post!

*AD

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Experience the Magic of The Big Screen With Low-Cost Cinema Tickets

How often do you go to the cinema? If you’re a film lover, chances are you go fairly regularly and chances are you spend a fair amount of money on it! WonderDays, the UK's most flexible experience day company, has an incredible offer that will help you save money on your movie-going experience. Imagine enjoying your favourite films at over 400 cinema locations across the country, any time, any day, all while saving on ticket prices. This remarkable deal not only benefits your wallet but also opens up a world of opportunities for quality time with loved ones. If that sounds good to you, let’s dive into the details.

Low-Cost Cinema Tickets For Everyone

cinema ticket


Trips to the cinema have always been a delightful way to escape into the magic of storytelling on the silver screen. However, the expenses associated with a movie night, like travel, parking, drinks, and popcorn, can often deter you from indulging in this cherished pastime as often as you’d like. WonderDays' low-cost cinema tickets are here to change that. By offering tickets at discounted prices, everyone can afford to enjoy the cinematic experience without breaking the bank.

Ultimate Flexibility

One of the standout features of these cinema tickets is their incredible flexibility. Once you have redeemed your WonderDays vouchers and received your cinema voucher codes, you can choose from over 400 locations across the UK, making it easier than ever to find a cinema near you. Moreover, the voucher codes are valid for a full 12 months and can be used for any 2D film, anytime, and on any day of the week, allowing you to plan your cinema trip around your schedule effortlessly.

Perfect Gift Ideas For Film Lovers

If you're ever stuck on finding the ideal gift for the movie buff in your life, these low-cost cinema tickets make for perfect presents that will leave your loved ones delighted and grateful. Instead of giving generic gifts, you can now offer the gift of cherished memories and the chance to relish their favourite films on the big screen. The recipient will have the freedom to choose the film and timing, making it a personal and thoughtful gesture.

Family Fun For The Summer Holidays

popcorn

The summer holidays often bring the challenge of keeping the kids entertained, especially during rainy days. Discounted cinema tickets provide an exciting and budget-friendly solution for those days when outdoor activities may not be possible. Be sure to plan ahead and have those voucher codes ready so you can gather the family, head to the nearest cinema, and escape the rain and reality for a few hours.

Saving For More Fun

By making savings where you can on different activities, such as cinema trips, they become an affordable treat to indulge in multiple times throughout the summer holidays. The money you save can be put towards other enjoyable activities, ensuring that your summer is filled with an array of delightful experiences. Whether it's a day at the beach, a visit to a theme park, or a cosy family picnic, the possibilities are endless.

WonderDays' amazing deal on low-cost cinema tickets is a game-changer for film lovers and families alike. With access to over 400 cinema locations, the flexibility to choose any 2D film at any time, and the opportunity to save money, this offer is too good to miss. Whether you're treating yourself or surprising someone special, these cinema tickets make for the perfect gift and open up a world of cinematic wonders.

*Collaborative post

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Top Money-Saving Tips For Young Adults

Are you a young adult looking to save money and build a strong financial foundation? Managing your finances wisely is a crucial skill that can set you up for a secure future. In this article, I will explore some top money-saving tips specifically tailored for young adults. By implementing these strategies, you can develop good financial habits, save money, and work towards achieving your long-term goals. So, let's dive in and discover how you can take control of your finances and secure your financial future.

According to Faris Khatib from Ideal Tax, it's essential for young adults to develop healthy financial habits early on. Saving money is not only about cutting back on expenses but also about making informed decisions and setting achievable financial goals.

Let's explore some effective money-saving tips that can make a significant difference in your financial journey.

1. Create A Budget And Stick To It

pounds


Creating a budget is a fundamental step in saving money. By creating a budget, you can keep track of how much money you earn and spend. This will help you figure out where you can reduce spending and save more money.

Start by listing your monthly income and then allocate specific amounts for necessities, such as rent, utilities, and groceries. Additionally, set aside a portion for savings and investments. Regularly review your budget to ensure you stay on track.

2. Prioritise Saving

Saving money should be a priority, even if you're just starting your career. Aim to save a portion of your income each month. Set a specific savings goal, such as building an emergency fund or saving for a down payment on a house. Automating your savings can make it easier to stay committed and ensures that you consistently set aside money for the future.

3. Minimise Debt

Debt can quickly become a burden and hinder your ability to save and achieve your financial goals. Focus on paying off high-interest debts, such as credit cards, as quickly as possible. Consider consolidating your debts or negotiating lower interest rates to make repayment more manageable. Minimising debt frees up your income and allows you to allocate more money toward savings and investments.

4. Embrace Frugal Living

Adopting a frugal lifestyle can significantly impact your savings. Look for ways to reduce expenses without sacrificing quality, it can even make saving money fun if you really embrace this lifestyle. Cut back on unnecessary purchases, find affordable alternatives, and be mindful of your spending habits. Small changes, such as brewing your coffee at home or shopping at thrift stores, can add up and contribute to significant savings over time. 

5. Cook At Home And Pack Your Lunch

Eating out frequently can be a significant drain on your finances. Instead, embrace the habit of cooking meals at home and packing your lunch for work or school. Preparing your meals not only saves money but also allows you to make healthier choices. Plan your meals in advance, create a grocery list, and take advantage of sales and discounts to maximize your savings.

6. Make Smart Shopping Choices

When shopping, be a smart consumer by comparing prices, researching products, and looking for discounts and coupons. Avoid impulsive purchases and take your time to evaluate whether the item is a necessity or a want. Consider buying second-hand items or borrowing from friends and family for items you don't frequently use. By being conscientious of your spending behaviour, you can steer clear of excessive costs and save money.

7. Utilise Student Discounts

If you're a student, take advantage of the various discounts and benefits available to you. Many retailers, entertainment venues, and transportation services offer student discounts. Always carry your student ID and inquire about special offers wherever you go. These discounts can help you save a significant amount of money and make your budget go further.

8. Save On Transportation

Transportation expenses can quickly add up, especially if you rely on a car. Consider using public transportation, carpooling, biking, or walking whenever possible. These alternatives not only save you money on fuel and parking but also contribute to a healthier environment. If you need a car, opt for a reliable used vehicle instead of purchasing a brand-new one to save on upfront costs and insurance.

9. Cut Down On Subscriptions

Subscription services can be convenient, but they can also drain your finances if left unchecked. Review your subscriptions and determine which ones are essential and provide real value. Cancel or downsize subscriptions that you don't fully utilize. By trimming down your subscriptions, you can save a significant amount of money each month.

10. Optimise Your Housing Expenses

Housing is often the most significant expense for young adults. Consider ways to optimise your housing expenses, such as getting a roommate to split the rent or downsizing to a smaller, more affordable apartment. There are plenty of homes for rent in Chicago, for example, that allow co-living. If you're open to it, consider living with your parents or family temporarily to save on rent and other living costs. Optimising your housing expenses can free up a substantial portion of your income for savings and other financial goals.

11. Automate Your Savings

To ensure consistent savings, automate your savings contributions. Set up an automatic transfer from your checking account to a dedicated savings or investment account each month. Automating your savings prioritizes saving and removes the temptation to spend money.

12. Invest In Your Future

Building wealth goes beyond saving money. Consider investing in stocks, bonds, or mutual funds to grow your wealth over time. Start by educating yourself about different investment options and consult with a financial advisor if needed. Investing early in your life can have a significant impact on your long-term financial well-being.

13. Track Your Expenses

It's important to track your expenses so you can understand where your money is being spent. Track all your expenditures, be it by means of a budgeting program or a basic spreadsheet. Regularly review your spending patterns to find areas where you can make changes and save more money.

14. Protect Yourself With Insurance

Insurance is a vital aspect of financial security. While it may seem like an additional expense, having insurance coverage protects you from unexpected costs and financial setbacks. Look into health insurance, auto insurance, renter's insurance, and other types of coverage based on your needs. Adequate insurance coverage provides peace of mind and safeguards your financial stability.

Conclusion

By implementing these top money-saving tips for young adults, you can take control of your finances and work towards a secure future. Remember to create a budget, prioritize savings, minimize debt, and embrace frugal living. Cook at home, make smart shopping choices, and take advantage of student discounts.

Optimise your housing expenses, automate your savings, and consider investing in your future. Track your expenses, protect yourself with insurance, and make informed financial decisions. With determination and consistency, you can build a strong financial foundation that will benefit you for years to come.

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5 Ways To Grab A Bargain

We all like a bargain don't we? I mean who doesn't get a buzz out of buying something at a great price? With the cost of living creeping higher and higher, everyone has had to tighten their belt in the last year, and many people have never had to do this before. But there are some things you can do to get a bargain. Let's have a look at what they are.

Make a list

shopping list
If you are looking for something specific make a list. This will help to keep you focused and stop you from wasting money. This applies if you are going shopping for groceries, shopping for clothes or shopping for big-ticket items such as a TV or bed. The internet here is also your friend to research the best deals before you buy. You can use comparison sites too.  If you are looking for deals from a specific store, then it can be a good idea to sign up for emails for the latest offers.  

Collect coupons

Another money-saving move is to use discount coupons. Discount coupons are often printed in magazines and leaflets that you get free through the door and in the back of magazines you buy. Many companies also have loyalty cards these days, and it's worth signing up for these for discounts on everything from coffee to groceries to toiletries. Signing up for loyalty cards is a good idea to earn discounts on a range of items and you can even get your shop for free! They love coupons in the US and we bargain-loving Brits are starting to love them too.

Save a pot of money

saving money

If you can afford it and can wait then if you put aside an amount every month you are in a great position to pounce when the offers come in. For example, if you need a new laptop then saving an amount of money every month throughout the year can help you have the cash ready when you need to buy, this can mean you are in a great position when the Black Friday or Boxing Day sales are on. You won't have to rely on finance meaning it will be cheaper for you to make that big purchase. This relies on forwarding planning and some disposable income so it's not for everyone but can definitely be worth doing. 

Use social media

Using social media is a great way to keep up to date with the latest offers from companies big and small. Follow your favourite companies on Twitter and Facebook to see when they have offers on, discounts and deals.  You could make a Twitter list with your favourite companies so you can see when they have offers and discounts. Sometimes following a certain hashtag can help you spot the deals too, such as #deals #blackfriday #boxingdaysales #discounts and #sales. Be quick though as sometimes these deals can go quick.

UK Deals And Giveaways

UK Deals and Giveaways

A specific Facebook group I love is UK Deals And Giveaways. UK Deals And Giveaways has 285,000 followers on Facebook and over 300000 online in total. The Facebook group is brilliant as they have dedicated admin and fans of saving money, who post the latest, greatest, and best deals available online and in-store. They also have a website where you can spot the trending hot deals. Every offer on their website is categorised so it's easy to search for, and there are many deals from Kids and Toys, to Fashion, to Home and Garden to Groceries and much more. If you like entering competitions they have those too as well as freebies and samples, perfect for trying something for the first time or even taken on holiday. Whenever I am on the lookout to buy gifts for a family member I search the group to see what offers are on. Some of the best deals at the moment are Addidas trainers with 45% off and Hugo aftershave at half price. 

So here are 5 ways to grab a bargain. What's the best bargain you've had?

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Ways To Make And Save Money At Home

It is said that, especially in the current climate, plenty of people are looking for ways to both save money in the house and to make money from home. People are worried about their income and their savings and want to know what they can do to ease that pressure. This is an advertorial.

I wanted to share with you today my top tips for saving money and making money at home. Do you have any tips you’d like to share?

Save Money: Meal Plan


Planning your meals will save you plenty of money in the long run. If you know exactly what meals you will be making, you only need to buy the ingredients for those meals. Shop online rather than in-store if you can to avoid temptation and stick to the meal plan to keep your food budget down.

Make Money: Utilise Your Skills

Do you have a particular skill you could put to good use? If so, why not utilise it to make you some money? I have friends who love crafting - they could easily sell their creations. I’ve got friends who are qualified teachers - they could easily set up a tutoring business. If you do have a skill that you can monetise, why wouldn’t you? For other money-making ideas, check out the website Moneypreneur.

Save Money: Set A Budget


A budget is essential if you want to save money. By setting a budget, you can work out what your essential and non-essential spending is. If you cut out the non-essential spending, then you’ll hopefully have some money that you can put away in savings instead. You just need to sit down and work out what spending is essential to you and which is non-essential. This is good advice too if you are gambling responsibly with a company such as NetBet Slots. You should budget for your entertainment money and only gamble what you can afford to lose. 

Make Money: Try A Work From Home Job

It may seem like these are few and far between but there are actually plenty of jobs that you can do from home. Some people I know are virtual assistants, others work for insurance companies as call agents in their own dedicated home office, I have even worked online tutoring myself.  If you don’t want to leave the home, why wouldn’t you see if there was a work from home job that would work for you?

You can also use Paystubs.org to create a freelance invoice if you want to look more professional. It is a free invoice generator that allows you to preview and create an unlimited number of invoices in a few simple steps.

Save Money: Try Sign Up Offers


Have you ever considered a site like sign up offers? These can easily be completed from home. Get amazing discounts or bonuses from certain websites - especially handy when you need to get something from that particular website. You can find massive discounts or products and even some free stuff too! Definitely worth checking it out if you are going to be spending on those websites anyway.

Make Money: Do Online Surveys

Truth be told, these aren’t going to get you the big bucks but if you are happy with a few quid extra in your bank account or pocket each month and you have some time to kill, online surveys might just be the thing for you. Some of them can be very interesting and every now and again you might get the chance to test some products for the survey companies as well. Some of the most well known are Swagbucks and Pinecone Research.

Save Money: Switch Things Off


If you aren’t using certain items around the home, switch them off. Turn off the switches and take the plugs out of any electrical items that aren’t currently in use, switch the heating off and take it off a timer, only putting it on when you absolutely need to. Put on a jumper if you are that cold! It will save you mere pennies, to begin with, but those pennies soon begin to build up into pounds.

Make Money: Download Some Apps

There are thousands upon thousands of apps out there but did you know there are ones you can make money from? As well as plenty of online survey sites having their own apps, there are also plenty of companies who will actually pay you for installing their apps and actually continue to pay you for the time you have their app installed on your phone. Many of these track certain data and use it to build an understanding of what people do online or buy online. It isn’t for everyone but can definitely add a few pounds into your savings each month.

Save Money: Get Meters Installed


Every house will soon have a smart meter and this has been quite helpful in showing those who already have one exactly how much energy they are using. You might also consider getting a water meter too, thus paying for the amount of water you use rather than an estimated amount. My mum has recently had a water meter installed and she is paying half of what she used to, so if you are on your own it's definitely worth enquiring. It will also encourage you to turn off those dripping taps.

Make Money: Affiliate Marketing

This isn’t for everyone but many people who do it find it very lucrative. Do you have a website or a social media channel with a decent and engaged audience? Then affiliate marketing may just work for you. Promote and advertise them on your channel and earn! Some affiliate channels are pay per view so you get paid every time someone even sees the ad, others are pay per click where you only get paid if they actually click on it. It is worth knowing the difference.  Awin is one such example of an affiliate company I have used. 

Save Money: Buy Own Brand Food Items


I know we all have our favourite brands, but if you aren’t fussed about brand names, why not buy the cheaper own-brand food items from the supermarket rather than the big names for more money? They usually taste just as good but cost a lot less.  There is even branded fruit and veg - guess what, you don't need it! In fact, why not support your local grocers or market and buy your food there as it can be surprisingly cheap.

Make Money: Sell Your Old Stuff

It is an oldie but a goodie - and one people often forget about, surprisingly. Sell your old stuff - there is no point having stuff you don’t want cluttering up the place, so why not earn money from it? Pop it on eBay or Facebook selling groups and hopefully watch your bank balance grow.

These are my top tips for saving money in the home and making money from home if you are stuck there due to childcare or another situation. Have you ever given any of these a go before? Why not try this 52 week money making challenge? What worked for you and what didn’t?

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100 Ways To Save Money in 2021

This year has been tough, with many people having job insecurity and a reduced income. However, there are some things you can do though to save money, so let's have a look at what they are and hopefully you will be able to reduce your outgoings and make your life a little easier.

Food


1. Check out the reduced aisle, usually late in the day for the best reductions. Ask a member of staff when this is for some insider information. 

2. Look for special offers in the supermarket but only buy if you would use them anyway. It can save time if you check the supermarkets' website in advance of special offers. 

3. Try supermarkets own items, rather than branded goods. Some are very good, for example, Morrisons own fresh orange juice is excellent, Tescos bran flakes are very good too. My husband used to be a big brand person but not any more!

4. Shop online with supermarkets. This will help you plan your meals for the week and take advantage of special offers you can see online. It will also stop you buying when you smell the fresh bread being piped through the shop.

5. Sign up to supermarket loyalty cards for vouchers and special offers. Tesco Clubcard is very good, you get points for spend and these convert to vouchers.  Vouchers can be used for food or for things like railcards, theme park tickets and more. 

6. Always make a meal plan for the week ahead if possible and try not to go off this. This can help you avoid waste as you only buy what you need and plan the most cost-effective meals.  

7. Bulk cook for the week ahead. This can save money by meal planning.

8. Invest in a slow cooker. Ok, this is actually spending money but slow cookers use the amount of heat of a lightbulb and make cheaper cuts of meat tender.

9. Grown your own fruit and veg. You can even grow potatoes in a bucket and herbs on a window shelf if you haven't got a garden or allotment.

10. Check out your local market for cheap fruit and veg. Some may reduce prices at the end of the day too.

Household

shower


11. Save energy. Turn off things you don't need like lights when you leave a room, and put the heating on only when you need it. Instead, put on a jumper or get a blanket when sitting on the sofa if you are cold.

12. Buy or make an old fashioned draught excluded for doors. Something simple like that can keep your home cosy and keep out the cold.

13, Check out the best broadband deals in your area by using a comparison site. You could also get better download speeds, so its a win-win situation. 

14. Shop around for your utilities.  Always a great way to save money and its usually easy to swap. 

15. Single household? A water meter may save you money. My mum saves loads by using a water meter.  Be sure then to take showers rather than baths, and fix any leaky taps.

16. Make sure you are in the right council tax band. It only takes you 10 minutes to check with your local council. 

17. Cancel direct debits and standing orders you don't need. You may be surprised by how many you don't need. 

18. Look at the costs of remortgaging. This can save you money if you are on a variable rate. A mortgage advisor can help.

19. Check if you are entitled to any energy grants. These grants will help you save money on energy bills and you become more eco-friendly too.

20. Pay off your debts first before you save as this will almost always save you money on any charges.

Kids

kids

21. If you have a baby, the local National Childbirth Trust has nearly new sales, as well as trying other places to buy second hand like Facebook groups, Gumtree, and eBay.

22.  Don't think you have to buy everything new. Some things are fine second hand, check out the usual sites for these. If you have friends that have kids maybe they have baby items they no longer need. Things will need to be thoroughly cleaned, old fabric toys can be hand-washed, plastic toys should be wiped over with antibacterial cleaner. Car Seats and mattresses should be bought new though due to safety. 

23. Two ways to save on nappies are use reusable or supermarket own brands. With reusable you have the initial outlay, then you have to buy liners and of course you have to clean the nappies. 

24. Join clubs for discounts like Boots Baby cCub, Asda and Baby Toddler club, Tescos Baby club, and Bounty. 

25. Make your own baby food and freeze in portions. It's not that hard and saves on jars of baby food.

26. Have a kids birthday? Limit the amount you spend, check out second-hand electronics, Amazon used or open box items, shops like Cash Converters, charity shops, car boot sales, local Facebook groups.

27. Supermarkets have some well-priced clothes these days and are great for school uniform. If you can buy a school badge and sew it on this can save money. 

28. Check out if the school sells old school uniform or will give you school uniforms that haven't been collected at the end of the year. If not put out a request in local groups, you will be surprised how generous people can be.

29. Shop in sales where you can for clothes, especially things that are expensive like shoes and trainers, and if you can, it's worth buy clothes up the next size for future use.

30. Pool together a group of friends or family members that can help with babysitting at no or little cost. Always a good idea to give a gift to say thanks if its a one off.

Luxuries 

prosecco


31. Buy Cava or Prosecco instead of champagne for a special event to save money. Pour it in the kitchen where no one can see the bottle and it's harder to tell!

32. Do your own pedicure or manicure. Although this will be a small investment at first in nail polish, files and other equipment, it can save on average £20-£30 a time. 

33. If you want a hair cut ask your local barbers, they may do it for you at a cheaper price than at a hairdressers as many are unisex these days.  Alternatively,  get a friend to do it.

34. Check out Groupon for spa breaks, manicures, pedicures, massages and the like.

35. Ban or cut down on takeaway coffees. Instead buy a flask and make drinks to take with you when you are out and about and at work, or get a reusable coffee cup and make a drink to take with you. This can save you an average of £3 a time.

36. Buy your flowers from the supermarket rather than a florist. I've found they often last longer. Remove the label and add a posh bow to make them look more upmarket.

37. Buy expensive items like designer bags and luggage in outlet stores. I have a great Coach bag I bought in an outlet in the US at a third of the price. Macarthur Glen is a local outlet close to me that I get many bargains. 

38. Going on a cruise or to an exclusive party or event? Buy diamond substitutes like CZ or moissanite at a fraction of the price of diamonds, and no one will really know. 

39. Rent a dress. You can rent designer clothes for special occasions and then return it for a much smaller cost than owning the item outright. Great for weddings or a special event.

40. Make your own canapes for entertaining. There are a number of great recipes blogs out there or go old fashioned and buy a recipe book. 

Birthdays


41. Make a cake. If you are not sure how YouTube has some great how-to videos, or crack open a recipe book and go old school.

42. Have a party at home instead of paying for an organised event. This can save a fortune. 

43. Put a budget on the present. It's the thought that counts. 

44. Make a present. From homemade fudge to simple jewellery, to knitting a jumper, a homemade present is always thought of well. 

45. Make your own pinata. This is a decorated figure of an animal containing toys and sweets that is suspended from a height. You then blindfold some kids and they have fun hitting it with a stick until it breaks apart.

46. Combine birthdays with others. This can help cut costs if you have to hire a venue.

47. Get decorations from the local pound store. It's cheaper to buy usually than make yourself these days.

48. Organise cheap or free birthday activities yourself.  It's not hard to draw a donkey for pin the tail on the donkey, play charades, organise a scavenger hunt or write some famous names on paper for Guess Who.

49. Give a voucher for a skill-based gift. Maybe you can offer an afternoon babysitting, an hour walking the dog or something else.

50. Design and create your own birthday invitations. 

Christmas


51. Agree to buy presents just for kids.

52. Put an amount limit on presents, perhaps £10 each to stop you over spending and getting carried away. It will limit expectations and stop people over spending on you too.

53. Buy a chicken instead of a turkey which will less at Christmas,  or take advantage of meat on special offer. Beef can be cheap at this time of the year. 

54. Make a present. You will get the satisfaction of making a gift that a lot of thought has gone into and it could save you money too. Homemade fudge, homemade chutney and homemade Christmas cake are just some ideas. 

55. This one takes a little planning but buying in the January sales for next year can save a load of money.

56. Compare postage delivery services to save money if you have to post gifts at Christmas (and year-round too). Parcel 2 Go is one such site for postage comparison. 

57. Make your own beer or wine for Christmas. There are kits available and if you like the result it can save you in the long run too.

58. Print out free Christmas colouring pages to get the kids in the mood. Many are found online.

59. Make your own Christmas decorations with the kids. This will keep them busy, save on bought decorations and you have a souvenir for years to come.

60. Buy your Christmas food frozen. This will often save you money on buying the ingredients fresh if you on a limited budget and you won't have any waste.

Vacation


61. If you can, go out of high season. This can save you a fortune. Avoid school holidays like the height of the summer, Easter, Spring Break in the US and local holidays to your destination. 

62. Sign up to your favourite hotels' emails or loyalty schemes to keep ahead of special offers and sales. 

63. Shop around for hotels. I use a comparison site like Trivago, check on Expedia and Booking.com then go to the hotels' own site to compare the best prices.

64. Use flight comparison sites like Kayak.com or Skyscanner to find the cheapest flights. Then I recommend booking with the airlines direct as if you book through a third party you may have problems in they go bust. 

65. Take hand luggage on airlines to save money on luggage cost. Many airlines will allow you to take a carry on bag for free which is great for a short break but double-check the terms and conditions first.

66. Look for free or low-cost activities when on holiday. This is especially good for families. Check out the beach, nature reserves and the local parks. Many museums are free in the UK, and often museums have free kids activities to make learning accessible.

67. Save on train tickets by buying in advance, travelling off-peak if you can, and buying a railcard. Alternatively, will the bus be cheaper? Compare prices and weigh up the pros and cons of saving money versus the time it takes to get to your destination. Travelling by a low cost bus service like Megabus can save a fortune too. 

68. Going self-catering can save you money on eating out if you don't mind cooking. If you don't mind more basic accommodation check out hostels.

69. Consider hiring a car abroad vs taxis vs taking the underground or walking. If you are hiring a car for a day it can often be cheaper than a transfer. If you want to take a taxi consider the Uber or Bolt app, if they are available to save money at your destination. If you are thinking of hiring a car using a comparison site like rentagile.com can save you pounds on car hire by finding the best deals. On the underground, a weeks ticket may work out cheaper than daily tickets so compare the costs. Of course, walking is the cheapest of all. 

70. Book your parking in advance. If your accommodation doesn't provide free parking, if you book your parking in advance it could save you money. First, check with the hotel or accommodation provider then check out sites like Just Park in the UK.  Holiday Extras is great for airport parking and will compare different parking options, as well as offering you a discount if you sign up to their emails. 

Eating out


71. Check out restaurant deals and vouchers. For example on Tuesday, Dominos do special offers like buy one pizza get one free. It's always a good idea to sign up to your favourite restaurant's email lists for special offers.  In the US they do many restaurant offers and coupons.

72. Eat out at early times, lunch is almost always cheaper than dinner, pre-theatre meals usually before 7 can be an excellent price.

73. Check if any restaurants in your area allow you to bring your own alcohol. Sometimes they will charge a small corkage charge but it could still save you money. 

74. If you can't finish your meal ask to take the leftovers. Everyone does it in the US, and this can be a free lunch for you the next day.  Just be sure to store and reheat properly, and never reheat rice as it can give you food poisoning. 

75. Don't order alcohol with your meal. Instead have a drink at home before you come out, or a drink at home when you return, or just have soft drinks.

76. Tap water is almost always safe in Europe. Drink tap water unless you are in a destination where it is not advised. 

77. Use loyalty cards for money off and freebies. Greggs, Costa Coffee, and KFC are some such cards.

78. Some places allow you to eat for free on your birthday or give you free starters or desserts. Again, sign up to their emails lists for offers and discounts on your birthday. 

79. Become a mystery diner. Sites such as mysterydiner.net allow you to eat out for free in exchange for feedback. 

80. Learn to recreate your favourite restaurant meals so you can save money at home. There are some great fakeaways recipes online.

Miscellaneous


81. Use cashback sites like Top Cashback and Quidco. I've saved over £1500 with Quidco over the years. 

82. Cancel your gym membership. Instead, exercise at home or outdoors. A small investment in equipment like weights, resistance bands and exercise videos can save you in the long run, and walking or jogging is free, you just need some loose clothing and suitable trainers. 

83. Make your own clothes. A small investment in a sewing machine can save you money in the long run. There are many local adult education courses up and down the country, tutorials on YouTube, blog posts and books on how to sew out there. 

84. Make your own furnishings. You can save a fortune making your own curtains which is particularly good if your windows are not a standard size.

85. Check your mobile phone rate. Do you really use the minutes provided? Give your mobile phone provider a ring or shop around for a better deal if you are out of the contract.

86. Dust off your bike. Cycling can save money if you cycle to work or to the shops, and is great for your health saving on gym membership too. 

87. Want to reduce waste? Apps like Olio and Too Good To Go are great! You can pick up a bargain with free or cheap food that individuals, restaurants and supermarkets are discounting or giving away for free.

88. If you don't drive much, check if your insurance company offers a low mileage discount on car insurance. Many are doing it due to the COVID situation. Admiral and LV are two such companies. 

89. Carshare. If you need to travel to work or even a shopping trip can you car share? This saves money on petrol and parking and it also better for the environment. Of course, offer a contribution towards costs. 

90. Take up comping. Entering competitions can be a great way of winning things you want and need as well as winning presents for other people. Start now for winning presents for next Christmas thus saving you money! This is especially good if you have the time to put it. I used to do this myself and I've won hotel stays, hampers and electronics in the past.

91. Hunt out cheap fuel. Many supermarkets are the cheapest for petrol and diesel and you can also earn supermarket loyalty points which can add up to money off. I particularly like Tescos myself.

92. If you are a health care worker, check if you can sign up for the Blue Light Card which will give you discounts worldwide. If you are a member of a union but don't work in the health service you may have something similar too.

93. Skip the movie theatre food and drink. Have food before you go or buy some to take in with you from a local supermarket. Most places will let you bring in snacks and drinks, just don't flaunt it.

94. Avoid extended warranties. Most of the time they are overpriced. If worried put that amount in a savings account to cover any potential breakdowns.

95. If you like a drink on vacation, check out the Happy Hours. Drinks are usually much cheaper and you may get some great appetisers on special offer too.

96. Check out local ethnic supermarkets. These are great for specialist food at excellent prices. For example, a Chinese supermarket often has the best prices on rice if you are buying in bulk. 

97. Swap with your friends. This can work for DVDs, Blu-Rays, games and even clothes.

98. Check out the local library. This is especially good if you have kids. You can borrow books for free and some have films to hire for a nominal fee. 

99. Check out the baby aisle in the supermarket for cheap wipes, cleansing cream and shampoo. Especially good if you have sensitive skin at a fraction of the price of specialist products.

100. Use your phone as a Sat Nav. This is a great idea as most smartphones have Google maps these days and it saves you buying one or renting one for road trips abroad. You can also download the directions to use offline using free internet service saving mobile data and roaming.

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So this is 100 ways to save money in 2021.  Are there any ideas here you'd have never thought of? Let me know if I've missed something off this list!

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