As the New Year approaches, families and households will begin to think about what resolution they will set themselves for 2012. With the Christmas bills left to pick up, saving money is likely to be a common focus for these. Of course, resolutions can be notoriously difficult to keep.
Here are five great suggestions that are both easy-to-keep and financially savvy:
Even small changes can make a big difference, so look at adjusting your lifestyle to help reduce your spending. A number of individuals will want to spend more time with their families as part of their New Year resolution and will mistakenly think this means they will have to spend more money. Sometimes the best times spent together cost nothing, so place an emphasis on the quality of time you spend with your family rather than how much it costs you.
One of the easiest, and most prevalent, ways to save money is by using discounts and vouchers. These can be available online or will be printed in newspapers and other publications. They will offer a host of savings to consumers and make the perfect resolution that is easy-to-keep.
This may seem like an obvious way to save money, but that doesn’t mean it is less effective. Budgeting is the best way to save money when shopping and should be applied to online food shopping as well as physical trips to the shops.
When setting your budget, make sure that it is realistic and don’t think money can stretch further than it can. Consider all of the options available to you, such as using smaller services that offer local deliveries as well as more traditional larger services. This will help you to find the best ways to make your money go further and will therefore be an easy way for you to cut your spending in the New Year.
Following on from the previous point, addressing you own efficiency when it comes to time management is always a good New Year’s resolution. Whilst it may be difficult for some people to keep to this, investing in a small diary or calendar is a great way to make a start at improving your time efficiency. Make sure you plan your online food shopping and other activities to give you the best possible use of your day.
Perhaps the easiest way to save money in the New Year is to make sure that you invest it. Of course, everyone deserves to treat themselves once in a while so don’t try and omit spending altogether but rather supplement it with savings as well. Investigate the different types of savings account available and determine how much money you are likely to have left over at the end of the month. Then dedicate a portion of this as your “savings” and invest it each month.
Photo by Raj Singh
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