Monday, December 18, 2017

# finance # new year

Saving Money in the New Year



Many of us start the new year with huge amounts of debt. We start Christmas shopping in November and have often cleared out our bank accounts by the time Black Friday hits. It’s fair to say that a good portion of people spend a lot more than they can afford in an attempt to make the holidays perfect. Of course, spending money isn’t what Christmas is all about. What our families need more than anything we could buy, is our time and attention. But, it’s so easy to get carried away and to start comparing what we have to others when we are surrounded by gift, adverts, and other temptations.

However, you end 2017; it’s a good idea to find ways to save money in the New Year to clear any Christmas debts and build a handy rainy-day fund for the year. Here are some of the best ways to save money.

Shop Online


There are a few different ways that online shopping can help you to save money. First, it’s a fantastic way to compare prices without having to travel to different shops, wasting money on transport. You may also find that shops that exist solely online are able to offer much better prices than those with a brick and mortar store as they can make massive savings elsewhere.

Second, it gives you the chance to find some great deals if you visit website that offers codes and savings that you can use for more significant spends.

Third, shopping for food online can save you a lot of money. It’s easier to look for cheaper options when you search online than when you have to scour shelves, and you also get a running basket total to keep you informed on exactly what you are spending as you go.

Save on Utilities


January is the worst time to try and cut utility costs, as it’s when you need heat, hot water and electric the most. While you don’t want to go cold and risk getting ill for the sake of saving a few dollars, it is worth finding ways to make savings which won’t affect your quality of life.

Try heating hacks, like tucking your curtains behind your radiators, using draft excluders and closing internal doors to keep your home warm without needing your heating in full. But, it’s also worth checking to make sure you are on the best deals. Check your traffic online to see if you could be paying less, and shop around to see if there are any better deals out there.

Eat Clean


It’s probably not just money you overindulge with over Christmas. You probably overeat too. So, see January as a chance to eat clean and cut calories while also saving money. Keep your leftover vegetables to make healthy soups, pack your meals with lentils and pulses instead of expensive, and fatty cuts of meat, and stop buying snacks, treats, and alcohol.

January is a wonderful time to make a fresh start. Save some money, look after yourself and make sure you start the year right.


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