Today I would like to share with you top 5 everyday saving tips. Some of them you have probably heard of before, some of them you might already use or perhaps there are one or two that you are hearing for the first time, nonetheless, I hope all of you if not most of you will learn something from the below list. The below tips can be implemented by anyone, young/old, rich/poor. They are easy to integrate into your life and collectively they could save you hundreds if not thousands of euro (or whatever your currency is) a year. Trust me. They do work. Let’s dive in.
- Make your own lunch/coffee
This for me is one of the most important tips. It sounds so simple, it sounds so manageable yet very few of us actually do it. It seems like we get too lazy to prepare food the night before and feel like a €7 for a sandwich and a cup of coffee at a local deli is a “great deal”. However, if you sit down and break it down, you will realise that you are spending obscene amount of unnecessary money for no reason other than convenience.
Let me share with you my weekly routine of making lunches for work:
Every Sunday night I prepare 2 tubs of food – rice, vegetables, chicken etc. I put them in the fridge and that will be my lunch in work for Monday & Tuesday. I then make additional 2 tubs on Tuesday night, this will feed me in work for Wednesday and Thursday. Lastly, I make another small tub for Friday (Friday is half day in work for me). In addition to the tubs, I bring with me some fruit and porridge every day. I buy a bag of coffee in Lidl €1.30 (lasts me for weeks – not the best coffee in the world, but I am not fussy). Also, I have some meat and potatoes/rice/pasta etc. for my dinner every day during the week. My weekly shop often comes to roughly €25. Bargain. I have been preparing lunch for work for so many months now that I get the two tubs prepped in under 30min.
Now lets bring it back a bit – if I were to buy a lunch and a cup of coffee at the local deli every single day in work I would be spending €35/week on lunch alone. Crazy right. This is before I even consider food for my dinner. So you see, it literally “pays” to get off your butt and make your lunch the night before. You can be as creative as you like, try new things, impress yourself with what kind of food you can come up with. Your tummy will thank you and so will your wallet.
- Walk/cycle to work/college/school
This is an easy one. The less you use the car/public transport the more you save. Walking/cycling as much as you can will not only save you money on petrol/bus fare, but also ensure you won’t have to join any gym. Killing two birds with one stone. Nice!
- Shop around (Groceries/clothes etc.)
One of the most obvious tips, yet very few people use it. I am always on a look out for the best deal, whether it is clothes, food, tech, utilities (see below) etc. Don’t be afraid to go for the “reduced” items at your local supermarket. I personally have no problem getting stuff on the cheap. If I can buy something for cheap that does the same job as something a lot more expensive but it has a branded name on it then I will happily do so. Forget about branded items in general. They are overpriced, and you end up (over)paying for the logo not the item itself. Madness. I used to be one of those people, I was splashing money on Calvin Klein, Diesel, Nike, Adidas etc just for the brand. The clothes were marginally better than other cheaper stores, yet I didn’t want to go in there as I didn’t want to be seen as “cheap”. Now I proudly march to the nearest reduced isle and fill my trolley for less. Next time you want to buy something lavishly expensive just because it has a fancy logo on it, ask yourself this:
“Would I think any different (good/bad) of the person if I saw someone else with such item”
Most of the time the answer is “no”. We let ourselves believe that branding and expensive items are superior in some kind of way. Well, I am sorry to break it to you but they are not. They are waste of money and if I were you I would go for the cheaper option where possible. It took e much too long to realise this, but now I am a lot smarter with my money.
- Get the best deal on your utilities
Whether it is your Phone Bill, Electricity Bill, Gas Bill, etc. you can ALWAYS get a better deal. Companies are chasing people these days to get them to switch by offering all kinds of perks and deals. The best thing you can do for yourself and your wallet is to hop from company to company and keep getting better and better deal year-on-year. Most of the companies tie you in a year contract so after the year is done, hop to someone else as they will offer you a new set of perks and deals that could be a lot better than your previous provider. It takes very little time to switch, just a phone call and you be saving hundreds a year on your utilities. We all have a lot of stress in our lives, worrying about your utility bill shouldn’t be one of them. Ring around tomorrow and see what deal you can get, trust me, you be surprised by some of the offers. Let me know how you get on.
Possible the toughest yet most rewarding money saving tip. These days you can fix almost anything with a can do attitude and a YouTube video. Internet is full of DIY techniques, tips and tutorials. If a shelf breaks, cars starts acting up, house needs a coat of paint etc. before you dip your hand in your pocket, take a step back and see if you can fix it yourself for cheaper. Nobody expects you to know how to fix EVERYTHING. However, I bet if you put your mind to it and roll up those sleeves you be surprised by how much you can do. Internet is your best friend when it comes to DIY. There is no shortage of help, that’s for sure. If internet can’t help you (I doubt that’s possible) ask your friend, work colleague etc. they might know some things that might help you to figure something out. You can potentially save hundreds on doing things yourself.
So there you have it, top 5 everyday things that all of us can implement into our daily lives that can save us a small fortune on an annual basis. If you have more suggestions on ways to save money that you might find helpful please feel free to comment below and share your ideas. Any feedback, comments or opinions are always welcome and I hope we all learn from each other and continue on this journey together on the path to financial security. Remember, we are in this together 😊
Thank you very much for reading and see you on the next one.