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upinel | 14/03/2017

How to save hotel cost

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Some hotel such as Hilton, SPG do have a service call BPG, you can first find hotel from website like Agoda, and if the price is even lower than the hotel's direct price, you can book the room from the hotel website, and apply the BPG, you will then receive extra credits from the hotel.



Justtghost | 11/03/2017

How to save money the easy way

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total expenses

Open a 5 years savings account and every time your balance is for example 546 save the 6 pound do it after every time you use your card and you'll be surprised



beeszhh | 08/03/2017

I can’t save money!

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I don’t know what’s wrong with me. I cannot stop spending money I don’t have. It’s a compulsive thing. As soon as my wages come in they’re gone within a week. I’ve spent it on stupidity I don’t even need. I don’t even know how to budget. Does anyone have a good system of budgeting that works?


oerx wrote on 08.03.2017 at 16:31

hi beeszhh,
my thoughts, perhaps they might help you:

First of all. Allow yourself to ask for help. I'm sure your friends will support you.

- You could use an Excel sheet to get a monthly/yearly overview of your regulary costs (flat, electricity, insurances, car, food).
- move the money you do not need (see above) toward a saving account (every 1st/last day each month for example). remember, don't touch it! ;)
- pay yourself a pocket money (cinema, pub, ..) you may spend each week/month.

try to consider rigourus (no & perhaps = NO / yes)
- 1min - any desicion about buying 'stupid things'
- 10min - anything you might need (new game for example you see in the supermarket. leave it. finish your shopping. return and grap it, if you are shure you need it. or better leave it! ;)
- 1 year - expensive things. make a list whatever you think, it's a 'must have' (tv, car, ..)
have a look at this list regulary, leave listed points or better delete them.
after a year - delete things from this list, you didn't buy whithin this one year.


Toluth wrote on 09.03.2017 at 10:56

@oerx could not have said it better. I think what is more important is the realisation, and building up the discipline to actually start saving. I understand the impulse to want to spend, but maybe thinking about the benefits for the future would also be some sort of motivation.

You could start with a budget plan to see what you are actually spending on. Please tell us the improvements based on the suggestions from Oerx.



theembezzler | 07/03/2017

CO-OP loyalty card 5% cashback

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If you buy a lot from the co-op it's worth getting their loyalty card. You get 5% back on own-brand product, even their beer and wine. Their own brand stuff is normally pretty good.

It costs £1 to join but I made back 46p on my first shop. They give 1% to local causes as well. Definitely worth it if you live near one.


MIROW wrote on 07.03.2017 at 19:23

Some of the Co-op societies you can join online

https://www.eastofengland.coop/membership

http://www.chelmsfordstar.coop/members/join-today


MIROW wrote on 07.03.2017 at 19:25

Or just save 5% by going to another shop who 5% cheaper than the Co-op :-)


theembezzler wrote on 08.03.2017 at 17:36

They can be expensive. I'm an Aldi shopper normally, I only go to the co-op because they're open after 4PM on a Sunday. I go anyway so might as well get the cashback.



Den | 27/02/2017

Best Saving advice

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the best way of saving money which I know is to stop loosing it. Stop loosing money!


MIROW wrote on 28.02.2017 at 07:40

Had you said stop spending money I would have agreed, but I don't think loosing money is a major factor


Den wrote on 03.03.2017 at 19:57

Observe those people who lose money and speculate the reasons why they are losing money. Through doing this you keep developing your knowledge into saving and spending. this knowledge should not be underestimated, it is actively through developing knowledge of losing money that a person avoids losing it. Observation can aid with this.



seagullswife | 20/02/2017

365 days savings plan

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Over the last year I tried a savings plan I saw on social media and it has worked brilliantly for me so I thought I'd share...
Basically the idea is you save some money every day of the 365 days of the year - saving 1p on day 1, 30p on day 30, 365p (£3.65) on day 365. I translated these amounts into a monthly amount to save on payday every month, the highest monthly amount to save works out as £105.45 and at the end of the year you end up having saved £671.61 plus any interest from the account you've put it in.



Steve1986A | 06/02/2017

Eagle eyes

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If you live in UK, think twice before spending coins and notes. Sometimes a coin or note is worth more than its face value. Eagle eyes can make a fair bit more by selling special or commemorative editions on online auction sites, and it's relatively easy to make an extra couple of hundred a year this way!



MrWalker | 26/01/2017

pennies to pounds

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set a limit like 1GBP

Everyday empty all pockets, jeans, jackets etc and EVERYTHING under a pound goes into your pot !

Every month find at least an extra 45-60 you never knew you had just when you need it !



frankie007 | 23/01/2017

Keep it safe

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nights out

If you want to remove the temptation to blow loads of money over the weekend, just send it from your proper bank to your fidor account by the faster payment system on Friday morning. Guaranteed you won't see it again until Monday at the earliest



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