15 August 2017

Living For Less In The 21st Century

Living as a family in this era is more expensive than it has ever been. With the rise and fall of different currencies and inflation rates, everything is much more expensive than it should be, so you have to learn to adapt and overcome! Saving money is important and it can be hard to know where you and your family can save money, but if you carry on reading you’ll not have to worry because by the end you’ll know how to save and where to save!

Do House Renovations Yourself

Everyone needs a little change up in their house from time to time but they often end up being quite expensive if you get people in to do it! Whilst you’ll be ideally avoiding home renovations when you’re trying to save money, sometimes it’s unavoidable because something has broken and needs fixing. This is why it’s good to get some DIY tools so you can do the job yourself! This means that you’ll not have to worry about shelling out your cash to get someone to do the job for you, as long as you have the tools and the knowledge you can do it yourself and save money on the job, but only attempt this if you know what you’re doing because if you don’t then you may end up doing more harm than good!

Make Meals Yourself

We are all a little bit guilty of buying pre-made meals more than we should, they’re convenient and fast to make and in the busy lives that we lead in the 21st century they are a godsend. However, you pay for the privilege of having a meal already prepared for you as they cost a substantial amount of money compared to just buying the ingredients, which is the exact reason why you should! Buying the ingredients separately often costs much less than a ready made meal and you can get a lot more food out of it. Whilst it does bite into your time by having you make it yourself, it’s very beneficial to do this because it is going to save you a lot of money. Knowing what to cook can be a bit of a nightmare if you’re not used to doing it, but if you have a look at this online cookbook your woes will be solved!

Use Online Coupons

This is an excellent way to save money on your shopping bills. We all know that a lot of our wages go on our food bill, we need a lot of food to keep us going for the week and this requirement only goes up with the amount of people that live in your house! This is why it’s a good area to make some savings as you can make quite a lot of them. Using websites like DontPayFull.com you can redeem coupons that are online and make use of them, but they all have time limits on them so you have to be quick! These coupons can vary massively to what they offer you, so always use them and keep an eye out for some really good ones to save you money!

Look Around For The Cheapest Places

Doing your research is one of the most important things when it comes to cutting your costs down. When you’re going to buy something particular, you’d be served to have a look around at different retailers to see which one sells what you’re after for the cheapest price! Everywhere sells everything for different prices, so it’s good to visit websites like this one that takes into accounts discounts and delivery options to bring you the cheapest items that are currently being sold by different retailers. You don’t want to be overspending on items that you absolutely need and it can be very tempting to, especially if you need the item straight away. Patience is a virtue and it will pay off well if you use it correctly, so make sure you take advantage of the cheapest websites!

Stay On Top of Your Utility Bills

This can save you a lot of cash very quickly, so if you haven’t been paying attention now is the best time to! Utility bills cover three things, gas, electricity and water, and as we all know you’re charged based on the usage of these 3 services. You can cut down on these dramatically by making sure you don’t use your heating too much, that you’re only using the amount of water you need and not just letting the tap run and by turning everything off when you’re done with it all! However, it can be difficult to track how much you’ve used and how much it’s going to cost, which is why it’s an excellent idea to invest in a smart meter. These meters are able to read how much water, gas and electricty you have used and it will tell you how much it’s going to cost at the end of the month. This enables you to see where you’re going wrong so you can put a plug in it and stop your money from leaking away!

Change Your Insurance

Everyone has insurance, whether it’s for health, personal injury or for your car, it’s a part of life! It takes up quite a lot of your monthly earnings, and the worst bit is, is that you have to have it. There is no way of getting out of having insurance, but you can make it cheaper for yourself if you know what you’re doing! It’s too time consuming and difficult to manually compare all of the different insurers and what they cover you for, so it’s good that websites like insurance.com exist. These websites do all of the comparing for you, showing you all of the options available, how much they all cost and what they cover you for! This takes out the need for you to do it yourself which makes the process incredibly easy and means that you can start saving money by getting the cheapest, yet most effect cover for you.

Buy Second Hand Items

The second hand market is currently booming and you should definitely get involved in it! Some things you can’t buy second hand, things such as food and other consumables are not available for sale for obvious reasons, however most other things such as tvs, toys, furniture and even cars can be found for much cheaper! Websites like ebay.com allow people to post up their unwanted items for sale, that you can have a look at and either bid on or buy outright. These second hand items come at a much lower price than they would if they were brand new, though this is because they have been used. However, if the items have hardly been used or kept in a good condition it often doesn't matter if they’ve already been used, so if you need it you can buy it for a fraction of the price and be confident that it’s going to serve your purpose well!

As long as you do at least one of the things mentioned here you’ll start cutting down on your outgoings and being able to save a little bit of money! Of course they all work well with each other but it’s up to you to decide which ones you do and which ones you don’t! Going back to home renovation, if you’re wanting to change your bathroom but don’t know where to start, have a look at this for a cheap way to get the job done.

Disclosure:  This is a contributed post.

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