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Get Better At Saving And Save Yourself Hassle!

Get Better At Saving And Save Yourself Hassle!

After Christmas, we can find that our bank accounts have diminished and now we are into the new year, we are probably slowing picking up again but you may never know when you might need some extra cash. It may be something as simple as needing a new part for your fridge that has stopped working or perhaps you need some Towbars to assist with your car. So here are some tips to ensure that you stay on top of your finances this year and learn to get saving: 

1. Budget For Next Christmas

Start saving for even now for this coming Chrismtas. It sounds very dramatic and not necessary so early on in the year, but this will certainly be of huge benefit. This will help save money in the long run and you can do this by collect money in a little pot/fund, and let it accumulate over the months, which gives you a little bit to play around with. Look at what your bank offer in relation to offers and savings accounts which round off each penny to the nearest pound collecting it in a separate account. Over time, you could find yourself with a small amount to splash out on gifts for the people you love.

Photo: Pixabay

2. Go Sale Hunting

Don’t buy anything full price and go to look at all the sales, thrift stores and more because this will ensure that you don’t overspend. Be wise with the sales, and look for things you only really truly need, and this will ensure that you don’t keep tapping into funds just after the busy period. Most things can be bought on a budget and this is the best way to help save those extra pennies for when you may need them the most. Many thrift stores will also have sales too, as they will want to get rid of old stock and bring in new ones. 

3. Leave It To The Professionals

Don’t let the worries of needing money get you down. It can be difficult to just forget that you have spent far too much and that you need to top your funds back up. Perhaps you have overspent on your credit card and you need to start paying back asap. Consider borrowing money and don’t fear your finances anymore. Borrowing money could seem scary but it’s important that you shop around and get the right deal for you with no interest rate. Some payday loans are certainly not good at all so look into what could work well for you.

Saving money is tricky, not many people have disposable income at the end of the month but it doesn’t mean you can’t learn to save a little and keep some extra for the little extras that we can take pleasure in. the more you save, the better you will become at it and soon enough you may have enough to take that break away in the summer sun! So start saving today! 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Ensure You’re Not Ripped Off During The Christmas Period

Ensure You’re Not Ripped Off During The Christmas Period

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Christmas is known for its lavish spending. It’s quite interesting to reflect on just how the progression of holidays go at this time of year. Thanksgiving as celebrated in the United States is often followed immediately by the Black Friday and Cyber Monday events. An event around gratitude is immediately followed by rampant materialism and trying to get the best deal. Christmas, while wonderful of course, is a grouping of these two attitudes. We appreciate that we have while trying to impress one another with the most expensive or thoughtful gifts. Of course, there’s no need to follow this tradition, but if you’re in a family unit you likely will.

 

However, even with the progression of spending and gathering items to gift, it’s important to keep aware so you’re not ripped off this holiday season. If there’s anything companies like doing this time of year, it’s marketing hard, and if you’re not careful you can fall for well-choreographed efforts to part you from your money. With these simple tips, only the best purchasing decisions will be made in your household this year. Consider:

 

Don’t Fall For The Marketing Hype

 

The marketing hype can often make us all struggle to figure out what might actually be holding value each and every Christmas. Each and every firm offers Christmas specials, secret sales, and mammoth promotions. Or so they would have you believe. It can sometimes be that these promotions, despite the fancy packaging, generally aren’t worth the mediocre savings being offered. It might be that annual subscriptions to services, access to products and a general range of ‘immediate offers’ sound appealing, but that with a little diligence and research, you realize that you might not have considered this purchase outside of the holiday season.

 

For that reason, trying to prioritize that which you might actually need can help you make these frivolous purchases because you can, not because you are fooled into doing so. This might sound like an insult to your intelligence, but even the smartest people can be susceptible to the emotional excitement of Christmas, and companies know that. They are banking to use it in order to promote themselves. This is why most firms come out with the famous ‘Christmas Advertisement’ each year. By staying wise, taking a little time to verify the value of a purchase, and looking through all of the marketing hype, we might save hundreds in wasted spending this Christmas. This prideful feeling might be the cherry on top for your entire vacation.

 

Be Careful With Extra Funding

 

It can be extremely easy to consider taking extra funding in our stride at this time of year. We’re all familiar with how bills can pile up, how the gifting season can drain our wallets, let alone the other plans you might have. Sometimes you might be cooking Christmas dinner for friends and family, or it might be you have to travel across the country to spend thanksgiving with your parents. Overall, Christmas can be costly, so any boost in our finances is surely looked on with welcoming eyes.

 

You may consider looking for a quick loan, easy to repay, but one in which you can become paid now and start using soon. After all, Christmas is very close to the current date. This is a perfectly valid thing to do, and many people decide to use one of these loans because they know they’ll be receiving a payday on or after the Christmas period. However, you need to know which payday loans are appropriate and which aren’t. Thankfully, payday loan comparison resources online, as linked previously, can give you a real picture as to the quality and reliability with each loan online. Be suspicious of overly long payback dates, interest too high or low, or a provider with very little customer feedback available online. However, if you find a trustworthy option, you might be able to fund your Christmas exactly the way you want without worry.

 

Stay Patient With Vacation Deals

 

It can be extremely exciting for some people to consider the vacation deals they might like to take part in. We might consider enjoying a winter wonderland abroad, or in a highly prestigious theme park such as Disneyland. We might hope to visit family, or potentially head on a sporting activity such as Skiing in the alps now our children have grown. While it can be wonderful to do this before or on the Christmas day itself, it can also be extremely cost-efficient to simply wait a month or two before heading out.

 

Planning a vacation in January will usually mean you are faced with the least populated time in resorts, winter vacation spots and many official places of stay around the world. This means slashed prices, quicker wait times, and much less of a sense of overpopulation at the busiest times. This means more vacation spending more, more bang for your buck, perhaps the ability to extend your vacation or upgrade to a nicer accommodation suite. Stay patient with vacation deals. After the new year rolls around, travel agents will be absolutely desperate to sell some of the unsold package deals they have, and accommodations will often be booking rooms for cheap. There’s no reason why you can’t celebrate a ‘second Christmas’ if you’re willing to push this forward a little bit. Just be sure to save your workdays to extend your vacation a little. You’ll be sure to appreciate it in time.

 

Eating Great Foods

 

It can be very tempting to head out for Christmas lunch with your family members. We are in no way suggesting you shouldn’t, because who would we be to tell you that? However, if cost-saving is an important factor, it can always be that hosting remains much much cheaper, and purchasing ingredients in wholesale now could help you find food for this event, for the Christmas day itself, and for long term leftover consumption. To us, that sounds pretty important and wonderful to do, especially for the financially conscious.

 

With these tips, ensuring you’re not ripped off during the Christmas period should lead to more money in your wallet.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.