The festive season is here and with comes added expenses that you and your family aren’t used to. Like most families; if you haven’t spent the last year saving up for all the extras the season brings, then you can find yourself out of pocket when the new year arrives. Having little to no spare cash during the new year makes it a challenge to get January off to a positive start, and money worries are often a cause of family quarrels and arguments. Therefore, it’s worth looking into ways you can be thrifty, and save money each day in your home and lifestyle.
It’s never too late to begin making wiser, considered choices regarding your finances, so make plans as soon as possible to start making positive change. You can put your excess cash into savings for next year and the future, or your money can go towards covering the cost of Christmas and all the celebrating the family will enjoy. The following are some ideas, tips, and advice for those looking to cut back their spending with ease by making little lifestyle changes that will add up to making a big difference.
Change The Commute
Cars can cost a fortune to maintain, so it’s worthwhile reducing the family’s car to just one, and figuring out how you can reduce using them regularly. Your daily commute might be costing you heavily in fuel, especially when you’re stuck in traffic. Therefore, many are choosing to cycle to work, and bikes are a common sight on the roads during rush hour. You’ll need to be proficient in cycling at busy times so that you’re not worrying about having to look into a bicycle accident claim or purchasing a new one. However, make sure that you know your rights, and who to contact should anything happen; this will ensure that you’re compensated correctly, and you won’t be out of pocket. Public transport passes work out cheaper if you buy them in bulk, and many services will get you to work far quicker than if you were in a car on the roads, so this could be another option for you if you’re not confident when cycling.
It’s easy to get home and realise there’s nothing in the fridge to eat and end up ordering an expensive takeaway. The same goes for when you’re out in the day; you can end up spending a lot of cash on meals and food from shops and cafes. Therefore, when you write your weekly grocery list; make sure you plan each day’s lunches and dinners for the family. If you have the ingredients ready to use when you get in or can create a tasty lunch to take to work; you’ll reap the savings every day. Better still; do some cooking over the weekend so that you have food to heat up when you walk in the door, that way you won’t be tempted to nip to the shop and overspend on all the festive foods and treats. By saving on your daily food and transport costs; you’ll be able to put enough money aside for a rainy day, or the festive season ahead.