Shopping...
We worked out when the reduced items come out at our local supermarket (friday 7pm) and it saves us a fortune! We buy meat and just freeze it straight away, other items are usually fine for a few days. We also bulk buy, when something we use a lot of or buy regularly is on a really good deal we stock up, no point paying full price next month. The 800g mayo you see below was £1.62 usually £3.15! It's one of the few expensive brand names we do shell out for so when I saw this deal I was so excited. The meat is an amazing deal - each packet was £4 now 40p (only use by tomorrow) and lamb is my favorite too!
The big bills...
Rent - always the same but we love our home, so don't mind paying for it each month. Electricity - we are just sensible with it. Internet and phone deal - we regularly check we are getting the best deal, they change so often its really worth it (mobiles are just PAYG). Car Insurance - same as Internet we change up nearly every year and haggle down the phone! Car Tax and running - we own a small clio so tax is really cheap. It's a diesel and we share it, only having one car can be an inconvenience but its so worth it for the money we save.
The wee bills...
We write it all down, on a notepad in the kitchen, one page for each week and it really helps us. From that we can see if we are on track for our monthly targets or if we've spent a lot and need to cut back next week etc.
So those are some of the things that help us reach our savings target each month, nothing ground breaking lol but they work for us :) I will say that we are not in high wage brackets by any means and we are not scrimpers, we are savers. We do treat ourselves, we go out, we put the heat on when its cold enough and we use lights at night. We don't believe in sacrificing or struggling now for something in the future, we believe in happiness today while doing what we can to ensure a secure, comfortable future :)
If your on the same page/journey and have any tips to share I'd love to hear them
Astra xx
