Girl Talk Inspiration

10 Ways To Save Money This Holiday Season & Beyond

November 25, 2018

In a world where most things in life aren’t free, it can be much harder to save money than it can to spend it. So if you’re saving for a holiday, a wedding or even to pay an upcoming bill, it’s handy to know a few ways that you can save money.


Try Switching Utility Companies

Whether it was one that was recommended by a friend or family member or a suggestion from the landlord, the utility company you are with might not be the best one for your bank account. Look at how much you’re spending each month and how much energy you are using up. Get in touch with other providers and see if what you’re currently paying can be reduced with them. Like the banks, utility companies are after their competitor’s customers so if they have an opportunity to take you away from them, and they are likely to offer a very attractive deal.

Get A Better Phone Deal

Mobile phone contracts tend to eat up a big chunk of your monthly wages so when your phone is next due up for renewal, try reducing the cost or if the phone you have currently is still in good working use, switch over to a SIM-only deal. These are much cheaper and better value for money than contracts are. Contracts will charge you interest so you can end up paying hundreds more over the actual value of the phone. I don’t have a contract phone I buy my phones cash and have a prepaid SIM, best decision ever made. Coming from Jamaica that’s what Im used to doing. The whole idea of the contract system to me seemed so unreasonable I’m surprised people still do it.

If you’re paying for a phone using a loan, transfer this debt onto your credit so you boost your credit rating and have all your debt in one place. It’s very beneficial and you can learn more about this topic here.

Save Money On Food

There’s a number of ways that you can save money on food as the weekly shop can get quite pricey. Here are a few suggestions to cut down on costs:


  • Try a food subscription service. You pay a set fee each week, and usually, you’ll get recipes to follow which are different each week. You’ll save more money and likely waste a lot less in terms of food.
  • Buy in bulk when items you regularly pick are reduced. Toothpaste, toilet roll, etc are all things you’re always going to need so if there’s a nice discount going, buy a few to save you some money in the long run.
  • Buy own branded food because it tends to be a lot cheaper than branded food and there’s very little difference in taste when you compare it.



Set A Budget Each Month For Socialising

It’s great to go out and spend time with friends but we normally do this in a bar or restaurant environment, which will all know is where we can end up spending a lot of money. It might be helpful, if you do have a very active social life, to set a budget each month and if you exceed that budget, then make alternative arrangements to either have dinner at one of your homes or go out to the park or do some sort of free activity. If that’s sometimes not possible, then restrict the amount you drink or eat and don’t get pulled into paying for a three-course meal. Splitting the bill straight down the middle when your friend has had more drinks than you is also unfair so stick to your guns and pay for just yourself.

Cancel Memberships

We very easily sign up or different things such as gym membership and loyalty cards, but they can end up sucking more money from our wallets. Over time we forget just how much it takes out of paycheck so access all of the memberships you have that are costing you money and check if they’re still worth paying for. If you don’t go to the gym every month, then you might want to opt to do pay as you go or at least freezing your membership every other month to save a bit of money. Food and drink subscriptions can be great for saving money, but if it’s not making a difference in the money you’re still spending outside of it, then it’s probably not doing you any favors.

Clear Out Your Clutter And Sell It

As we collect stuff over the years, a lot of it might not even be of any use anymore and is just taking up space in your home. When you next have a declutter, any clothes, home decor, books, CDs and tech gadgets can be sold on to make a small profit. Most sites will take anything, including eBay as one suggestion.

For your tech gadgets, they’ll also take anything that may be in bad condition or on some occasions broken. It’s better for the environment that they take it and pay you, rather than you chucking it out. So get hunting for all those mobile phones you have lying about the place.

Take Advantage Of Coupons and Discounts

There is a wealth of coupons and discounts available online and in magazines or newspapers so whenever you see them, cut them out and keep them in the kitchen or by the door. Even if some of them aren’t going to be used, you never know what you might need to go out and buy. Sign up to any companies newsletters that you buy from often to keep updated on any discount deals they do throughout the year. We can usually miss out on these if we don’t keep tabs on them. It does mean though that you’ll get a lot more emails…

Get Cashback For Shopping Online

You can now earn cashback on certain sites when shopping online. So if you are a regular for online shopping, this will be a great way of saving some cash on your purchases. Sites like Quidco are great for alerting you on a website that offers cashback so you can feel less guilty about spending, particularly over the festive season.

We can all save money somewhere in our spending so if you need to save then try out some of these tips. You may be surprised by how much you save.


xoxo Lauren 

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