Blog Homepage > Creative Money Saving Tips to Incorporate into your Daily Routine
Saving money can be a difficult habit to start, but you don’t have to make huge sacrifices to get yourself on the right track. Sometimes all it takes are some small daily changes to get you started on forming a healthy savings routine. Read on to see how you can begin this year as you mean to go on with these easy money saving tips.
Save energy at home
As the frosty weather firmly takes hold, home heating costs can leave you feeling hot under the collar. Don’t worry though, there are some simple and inexpensive things you can do which will help you make real savings in the long term. We’ve all had that moment when we realise we’ve left the immersion on longer than we should have, so why not consider fitting a timing switch? Some models cost less than €40 and it will not only cut down on your bills, it will cut down on the family arguments too!
Look after your health
Taking better care of yourself can lead to savings down the line. Start by making sure you’re getting enough sleep. If you spend a lot of time on a phone or tablet before bed, this is most likely affecting your sleep pattern. Try switching off from technology at least an hour before bed and you will notice a marked improvement. At this time of year, make sure you do all you can to prevent colds and flu. Eat healthy, well-balanced meals, wrap up warm and make sure to wash your hands very regularly to prevent the spread of germs. It may sound simple, but taking some extra care in winter can help you save on medicine and doctor’s visits.
Change your routine
It can be easy to slip into a routine at work or at home that ends up costing you money, but with a few little changes you can make big savings. Eating out is one of the biggest day-to-day expenses. Why not try bringing a packed lunch every day? Going out for a walk at lunchtime is always a good idea but this can lead to impulse purchases. Try leaving cash behind so you won’t be tempted to purchase items that you don’t really need. Invest in a travel cup and bring your own homemade brew along with you for the walk instead. Cutting down on lunch can save you up to €10 a day across the week, which could be as much as €200 saved across the month!
Know when to buy
Buying fruit and vegetables in season is an easy win; it not only helps you to enjoy them at their best, but it can help you save some cash also. Frozen vegetables are good all year round and keeping a batch in the freezer can help you from throwing out surplus food and wasting money. Likewise, loyalty programmes might seem like a bit of effort but these can lead to great savings if you are constantly frequenting the same stores. Saving up loyalty rewards until times of high expenditure can help to reduce stress.
Although it might seem like you’re only saving a small amount, over time it will make a huge difference to your finances!
For great advice on money management and how to plan for your financial future, avail of our complimentary expert advice today! Click here to make an appointment for our Financial Planning Service or call us on (01) 420 0991.