With the summer time well and truly over, you may be recovering from a pretty hefty summer spend. Whether you ventured across regions abroad, travelled the country or simply lapped up the sunshine, the summer months are often one of the year’s most expensive periods with holidays, clothes and events to pay for.
#1 – Cut Cost Of Bills
As the cold nights draw in, the notch on your thermostat may gradually creep upwards. Whilst no one is saying you should sit in the cold this winter, one thing you can do is monitor and manage your heating and energy bills. Consider the times you will be in your home, think about insulation and assess your property for repairs and heat loss prevention. The pounds you save on your bills will be significant.
#2 – Presents
Often one of the biggest expenses as the festive season approaches, we all want to treat our loved ones to gifts and presents. Always keep your budget in mind as well as shopping around for the best deals. From experiences to the latest’s gadgets to breaks away, the expertise of Sterling Loans can help you create a payment plan. Also consider online shopping. Simple, easy and direct to your door.
#3 – Insurance Deals
One of the easiest ways to save money on existing expenses such as bills, insurance and other payments is simply by shopping around for the best deals. Whether you’re close to the end of your current policy or simply browsing, with a little digging around you may discover savings that you thought weren’t possible. As the saying goes, if you don’t ask, you don’t get, so get in touch with current providers and explain your concerns.
#4 – Food Shopping Lists
Again, a necessary expense but one that can be managed and save you money with a little bit of preparation. Look for savings and don’t just pick things up because they are on offer, be disciplined! Create lists of the necessities and stick to them, always keeping an idea out for better deals. If you save £10 a week that’s £520 a year so take the time to control what you eat and what you buy.
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Personal Capital lets you see all of your accounts in one convenient place. Sign up now for free.On a related topic, Pauline talks about how you can take advantage of the holidays to make extra money on Make Money Your Way
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