*Ad-Paid. All opinions are my own.
Did you start 2019 with some big financial plans? Perhaps you were going to finally say goodbye to your biggest debts or start putting some money away towards a new deposit on a family home. Maybe you were just going to save up for that holiday that you and the kids have always wanted. Unfortunately, while many of us start the year with big dreams, it’s often difficult to make those ambitions a reality when we’re dealing with the constant stresses of things like unexpected bills and expenses.
The good news is that you don’t have to deal with yet another disappointing year as you head into 2020. This year, you can make sure that you’re ready for absolutely everything, with a few basic strategies for saving more.
1. Invest in Maintenance
One of the best things you can do to save money in 2020, is get out of the wasteful mindset that most consumers are in. Rather than waiting for your car or your boiler to break and then replacing it, make everything you buy last a little bit longer. You can do this by spending extra on things like trips to the garage where you can get your car serviced, or payments to professionals who can help you out with your plumbing and electricity.
If you find any major problems with our home or car, then you may need to think about taking out a loan so you can afford to pay for them. However, when that happens, dealing with an issue as soon as it happens is usually a lot cheaper than responding to an emergency.
2. Barter on Your Monthly Payments
We all have monthly expenses that we have to deal with after every payday. Usually, these include things like your rent, council tax, and even your utility bills. While you might not be able to argue your way to a lower price on all of the items that you pay for each month, you can reduce some costs just by calling your provider.
For instance, if you’re paying over the odds for your utilities or insurance, call the company that you buy from and ask them what kind of deals they can offer. If they say that you can’t get any special offers, look into switching to another company.
3. Be Patient
One of the biggest problems with the modern world is that we’re all used to getting everything that we want and need straight away. You can flash a card or even your phone at a checkout and pay for an item without even thinking about it. Unfortunately, that means that a lot of us are becoming passive consumers – buying things before we’ve had a chance to consider whether we really need them or not.
The good news is that you can reduce your risk of doing this in the future by being more patient with yourself. Set a time limit for how long you have to wait whenever you’re making a purchase that’s more than £20. It could be as little as 24 hours – but giving yourself time to think about the purchase is a crucial start.
4. Go Online
Although the digital world has it’s downsides – like making spending too convenient for most people, it also has its benefits too. For instance, these days, you can save a fortune on virtually anything by going online and comparing your prices from different companies. At the same time, there are plugins and applications that you can download onto your cell that will help you to search for the best deals on any purchase by applying codes automatically to your basket.
Shopping online makes it much easier to ensure that you’re getting the best deal when it comes to spending money. You can even use cash-back sites to earn a little bit back on everything that you buy.
5. Become Self-Sufficient
Finally, make 2020 the year that you learn how to do more for yourself. Rather than calling someone to give you professional support whenever you need to fix something on your computer, or update the taps in your bathroom, learn how to do a few basic tasks yourself. There are plenty of articles and videos available online that will guide you through the process of doing a few simple things around the home.
You can even learn how to cook your favourite meals from takeaways and make them healthier too, so that you don’t have to rely on ordering in as often to keep the whole family happy.