Tuesday, 14 January 2014

Money Saving Tips and money making ideas

As its the new year and everyone feels the pinch, i sat about thinking of ways we could all save a bit of money. After scouring the Net i found some tips to share with you all

 Change from ready made meals to cook meals yourself.

We all love the convenience of ready made meals, you grab it from the freezer and stab the film lid to death. Then shove it in the microwave on high untill its cooked. But when you look at the price of a meal in a box and work out how much it would cost to cook it from scratch, you will realise you will not only save some money but you will also know the ingredients of your meal and it will be healthier.

Make a shopping list

If you’re not organised or haven’t got a pen, this one is really hard. But stick with it and you can eat well and save enough for a holiday without thinking about it. Part of the problem is the power of the supermarkets. These giant museums of food have spent millions on tricks to make you put stuff you don’t want in giant trolleys, keep in the fridge for a week and then throw away. We each chuck out nearly £500 of food each a year. That’s moronic but that’s the supermarket business model. Make a shopping list. Dig out the cookery books, plan a few meals and only buy what you need.
Saving: £20 a week = £1,040 a year

When was the last time you went to the market?

One way to beat the supermarkets - that is, to eat healthily for less - is to use your local market stalls. Lower overheads generally mean lower prices. Where supermarkets have strawberries at half price, the local market will often have the same fruit for a quarter of the price of the pretend half-price ones.

Consider own-brand goods

Not all own-brand supermarket products these days come with a health warning and a stomach pump. They don’t need to. Some are quite good. Obviously, the modern supermarket trick of reducing the size of the packaging and the weight of the contents means you can buy a 24-pack, multi-sack of crisps that between them only contain the shavings of one potato but you can still buy a tin of Sainsbury’s own-brand baked beans for 25p and a loaf bread containing grams of protein at Asda, Sainsbury's or Aldi for 50p. Enough said.

Don't buy designer labels

Celebrities are given expensive clothes to wear. You're not. Thankfully, millions of people have woken up to this and buy copycat fashions from the likes of Asos;  If you’re still tempted, face up to the fact that you may only wear the outfit once. Can you justify paying hundreds of pounds for a name? And can you honestly say you can tell the difference at a distance between a £600 designer bag and a £9.99 one from the market? Think about it.

Sell your clutter on Ebay or Facebook selling pages

Take this quick test: You're at home. Open a cupboard. Look inside. If it's full of clothes you haven't worn, or 'good ideas at the time' you haven't used, for, let's say, three years - you don't need them. So why not sell them to someone else who does? For fans of the understatement: Ebay is quite well-known and popular now. The great thing is you really can flog any old garbage - for a commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling. With Facebook groups, its free to advertise your goods and local people will collect - this saves you posting items

Book your own Holiday package

As High Street travel agents die out quicker than the ingredients of rhinoceros horn love tonic, it seems that we still love a good old holiday package. And why not? You just book online or by telephone. Easy life. By combining car hire with flights, the agents can often bring the costs down. You’re also protected, accommodated and flown home if you’re grounded because Iceland pulls another volcanic-ash-based PR stunt (everyone’s heard of Eyjafjallaj√∂kull now). But if you want to save money and your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure or get a quote from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together

Buying early to save in the long run

Buy your gifts for people throughout the year in the sales. Not only does this save you money but you always have a stock of gifts at home for the last minute forgotten birthdays. Look out in boots for their 50% off as next christmas you will be paying full price again for the same gift

Learn to say 'no'

It's easy to give in to the demands of a screaming child in a packed Poundland on a Saturday afternoon. ‘Get me that bottle opener! I want a bottle opener. I know it’s poorly made and won’t last more than seventeen and three-quarter minutes. But I’m six! I want one. It’s only a pound!’ Similarly, how often does a 'swift half' after work turn into a £151.12 drinking session? Saying 'no' a few times a year will do wonders for your bank account.

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