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HOW TO SAVE MONEY ON A TIGHT BUDGET

January 1, 2022 in LIFESTYLE
saving money

No one wants to live payday to payday, but sometimes life isn’t easy, and that is when you need to make some adjustments. So many people don’t realise how much they are spending until they add it all up at the end of the month. If this sounds like you, then these tips will help you save money on a tight budget and keep track of your spending.

Keep Track of Your Spending

Keeping track of your spending is one of the simplest ways to start saving money. By knowing where your money is going, you can begin to change your spending habits and save more money each month. There are several different ways to track your spending, including pen and paper budgeting and online budgeting tools. Find the method that works best for you and use it religiously to get an accurate picture of where your money is going each month.

Separate Wants From Needs & Reduce Your Spending

One way to reduce your spending is to separate wants from needs. When sticking to a tight budget, it’s essential to be realistic about what you can and cannot afford. Needs are things like food, shelter, and clothing – this is what you need to survive. Wants are things like entertainment, new clothes, or a luxury car – this includes items that may be nice or enjoyable, but aren’t necessary for your survival in life. Being able to distinguish between the two can help you save money without sacrificing all of the luxuries in life that may bring some happiness and joy into your daily routine.

A way to be smart with your finances and reduce your monthly bills is by reducing how much you spend overall each month. There are many ways to do this, for example, you can reduce your spending (and help the environment) by going for second-hand items instead of new – such as clothes from Oxfam or vintage shops, tech and phones from vendi, furniture from Gumtree, or books from WOB. You can also save a lot of money by reducing the number of nights out you go on each month, compromising your transport needs and cooking at home more often than eating out.

Avoid Using Credit To Pay Your Bills

Credit cards are one of the easiest ways to get into debt quickly. If you find yourself in a situation where you cannot afford to pay your monthly bills, it’s best to avoid using your credit card altogether and find another way to come up with the money needed. This could include borrowing money from friends or family, applying for a personal loan, or finding a side hustle that will bring in some extra cash each month. Credit cards only delay the problem to later on and cost you interest.piggy bankSave Regularly

One of the best ways to save money on a tight budget is to save regularly. This could mean setting aside a fixed amount of money from every paycheck or simply depositing any extra cash you may have at the end of each month into a savings account. Doing this will help you build up your savings over time and provide you with a financial cushion in case of unexpected expenses down the road.

Check Your Insurance Policies

Another way to save money is by checking your insurance policies and making sure you are getting the best deal possible. Reviewing your car, health, home, and pet insurance policies every few months can help ensure you are not paying too much for coverage you may not need. You can also shop around for different insurance providers to see if they offer a better deal than what you are currently paying.

Be Careful About Spending a Significant Amount of Money on Periodic Purchases

When it comes to budgeting, it’s essential to be mindful of how much you are spending each month on things that only happen once or twice a year. This includes Christmas gifts, birthday gifts, or costly vacations. Then, try to find cheaper alternatives when possible, or put off buying these items until you have saved up enough money to cover the cost in full.

Cut Down on Takeaway Ordering

Takeaway food is one of the easiest ways to blow your budget quickly without realizing it. Cutting down on how often you order take-out food is a good idea, and it can even help your waistline at the same time. You may have to spend some extra time in the kitchen cooking more of your meals from scratch, but this will be worth it when you see just how much money you are saving each month by doing so.Netflix menuCut or Downgrade Your Services

If you find that your expenses are too high, one way to combat this is by cutting or downgrading your services. This could mean canceling cable, sticking to watching shows online on free catch-up services instead of Netflix, or downsizing your cell phone plan. You may also want to consider switching to a cheaper internet provider. Whatever the case may be, make sure you are still getting the essentials and not overspending in areas you don’t need to.

Try Lowering Your Energy Bills

One of the easiest ways to save money each month is to lower your energy bills. You can do this by turning off lights and electronics when you’re not using them, setting your thermostat a few degrees cooler in the winter and warmer in the summer, and ensuring all appliances are correctly plugged into an outlet.

Another way to reduce your energy bill or your car insurance is to sign up for a programme that pays you back for using less energy or driving safely. For example, my husband is rewarded with cheaper car insurance because the insurance company tracks how he drives.

Conclusion

When living on a tight budget, it’s essential to be creative and think of ways to save money on all aspects of your life. By using some or all of the tips mentioned in this post, you should be able to reduce your spending and put more money back in your pocket each month.

Photo by Karolina Grabowska from Pexels
Photo by Rafael Classen from Pexels
Photo by cottonbro from Pexels

You can see what i’m doing and what i’m loving over on my Instagram.

Tags : finance, finance smart, finance tips, how to be financially smart, how to be smart with money, how to save money, how to save money shopping, lifestyle, money, money advice, money-saving tips

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ABOUT ME

ABOUT ME

Laura Pearson is a Beauty Editor and Skinfluencer that's obsessed with luxury skincare and makeup. She's all about that glow! She is also a luxury travel writer and always has a trip planned. Laura has a chic style and this blog is full of her product loves, luxury travel tips and general guides on how to live an elevated life.

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The new @narsissist Afterglow Liquid Blushes are so beautiful and dewy. They blend effortlessly and add a flush of colour and plumpness to your cheeks. They look so fresh and natural. I have the shades Orgasm, Wanderlust and Behave. Get your for just £24.09 instead of £30.50 on @lookfantastic with my discount code LFTFLPEARSON.
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Neom Wellbeing Pod Mini Diffuser & Calm + Relax Essential Oil - Fill your room with calming essential oils as you get ready for your date night. A blend of 16 of the purest essential oils including Moroccan blush rose, lime and black pepper. All chosen to help bring a feeling of calm. Use my affiliate link for 20% off - https://community.neomorganics.com/s/alifewithfrills
Cosmoss @cosmoss The Sacred Mist - A gorgeous fragrance of empowerment. This scent created by Kate Moss & Homeopath Victoria Young, is deeply calming and uplifting. The perfect fragrance to soothe your date night nerves and balance your anxious emotions, whilst uplifting your mood. A blend of beautiful earthy and floral botanical notes.
The One @theone_personalcareofficial - This unique rollerball product has been designed with the findings of two scientific studies. A study of 50 young women found humans produce the same copulins as nonhuman primates. The concentration of these copulins increases during parts of the menstrual cycle in which women are more likely to be fertile.
Another study exposed men to copulins and asked them to rate the attractiveness of women’s faces. During exposure to the copulins men had higher testosterone levels and rated women as more attractive. A follow-up study validated the findings.
This product combines two ingredients - it is a blend of jasmine flower, whose fragrance increases the testosterone in men, and carob tree, whose fatty acids mimic the composition of copulins - those pheromones secreted by women that stimulate men subconciously. Could it make you more attractive to the opposite sex? Use the code Laura for 20% off.
Charlotte Tilbury @charlottetilbury Glow Glide Architect Highlighter in Gilded Glow - Get a breathtaking glow that will make you shine, even if you don’t feel like it inside.
MZ Skin @mzskinofficial Volumising Lip Perfector - Get plump and juicy lips that look kissable, for all those date night smooches.
#beautyproducts #perfumeforher #makeuprecommended #datenightmakeup #datenight❤️ #beautyreviews
Strawberry girl makeup look! #strawberrygirl 🍓 Strawberry girl makeup look! #strawberrygirl 🍓
@lauramercier Protecting Primer
@fentybeauty Eaze Drop in 1
@charlottetilbury Radiant Concealer in 1
@armanibeauty Luminous Silk Glow Blush in Mystery
@elfcosmeticsuk Brow Fix
@roseinc Ultra-Black Lash Lift Serum Mascara
@fentybeauty Match Stix Shimmer Stick in I Scream
@fentybeauty Gloss Bomb Heat in Hot Cherry
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