In this day and age it’s so easy to grab a coffee on the go with the tap of a card, or say yes to that 3rd glass of wine, even though you did say you were only out for one – it makes it increasingly more difficult to save the pennies.
You may think one 4 quid coffee won’t make a difference, but actually it does, and added up can amount to quite a sum that may give you a bit of a scare.
Leave the card at home
You may have a slight panic attack at the sheer thought of leaving your debit card at home, but this will allow you to save so much money as you won’t be tempted to tap away throwing a small fortune on food and those shoes you really don’t need.
Have a money jar
Sometimes the best way to save a few pounds is by putting a small sum of money into a savings account or money jar each day. You will hardly notice such a small amount leaving your account, and by the end of the month you will be sitting on a small fortune.
Do you really need it?
When shopping, ask yourself, do you really need this? The answer is probably no and you will most likely feel loads better leaving that store empty handed, money still intact which you can put towards something more worthwhile.
Have a goal
Whether it’s saving for that summer holiday you have always dreamed of, or a mortgage. Having a money goal is a great way to really get to grips with saving. If you know there’s something to aim towards you won’t be so inclined to get the card out.
Quit the bad habits
Are you prone to going heavy on the cocktails on the weekend? Especially in Cardiff, drink prices are rising and you usually end up spending a small fortune over one night, not to mention the killer hangover that stays with you for the rest of the weekend. Why not hold off on a night out and do something free like a walk in the park, or a day of sightseeing.
Hope these little tips can help you spend less and save more!