If you are urgently searching for some ways to save some cash over this year, then here are a few tips of money saving pointers that you might like to consider.
Make Your Own Lunch
Do you eat your lunch in the staff canteen, or buy sandwiches from the local takeaway shop? How much is that costing you each lunchtime? Add it together over the course of a working week, or even a full year, and the amount is quite significant. Yet compare that to the cost of the same meals prepared at home, before work. Maybe the night before throw extra pasta or rice into the pan and take the surplus food to work in a Tupperware container? Cold pasta or rice dishes make a tasty mealtime treat . Or just take the easy option and make a few sandwiches and take some fruit.
Meals such as this might even allow you to take a bit more free time over your lunch hour so that you can escape outside for a walk. Add to that the fact that on the whole home prepared meals are probably a lot healthier, a lot less salt etc, then the self prepared food might not only be cheaper, but more healthier at the same time.
Time Your Shopping Trip
And whilst you are buying your packed lunch, watch what time of the day you are going to the supermarket. Many will offer food that is about to become out of date at a reduced rate shortly before the end of the day. So if you time your shopping visit carefully for late in the day, you might also be able to pick up some of your usual favourite items at a knocked down price.
Review Your Mortgage
How much have you currently got borrowed in your mortgage and what it’s costing you and with the recent collapse in interest rates is your mortgage serving you as best it can? Have a quick word with a local mortgage broker who can understand your personal financial circumstances and ask them to compare mortgage rates for you. Is the current mortgage deal you are on the best and what would it cost to move to something cheaper? It may be cheaper to stay put if you have high exit penalty fees, but if there aren’t penalty charges or they aren’t too great, then you might find you can save yourself a tidy sum by moving to another lender. When your mortgage advisor compares top mortgage rates for you, they should also be able to look at your current mortgage to tell you how much it will cost to move.
That’s just three simple ideas to save you potentially hundreds per year. But if you want to reduce your outgoings in the short term, then you can start saving straight away with these tips.
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