
Now it’s that time of year where now everyone is broke and money starts to become an issue for many people.
We start to overlook our forthcoming year and figure what needs to be spent and when. My boyfriend and I have booked a holiday for June, and I have been saving for my car over some time, so I’m feeling pretty light in my bank account! I know so many people who really struggle to keep money and not save it, so here is what I’ve been doing.
We start to overlook our forthcoming year and figure what needs to be spent and when. My boyfriend and I have booked a holiday for June, and I have been saving for my car over some time, so I’m feeling pretty light in my bank account! I know so many people who really struggle to keep money and not save it, so here is what I’ve been doing.
1. Your bank account
So to start with to save I will always set up a bank account which suits what I will be saving for. When I started saving for my car, I opened a Santander account which has 3% interest on savings from £300+. Now numbers and percentages are all very confusing but this means we can earn extra cash by basically having money in the bank. This is great for big lumps of money too as the bigger the stash the larger the money back you will get.
So to start with to save I will always set up a bank account which suits what I will be saving for. When I started saving for my car, I opened a Santander account which has 3% interest on savings from £300+. Now numbers and percentages are all very confusing but this means we can earn extra cash by basically having money in the bank. This is great for big lumps of money too as the bigger the stash the larger the money back you will get.
Another account I have with Yorkshire Bank is a Fixed Cash Isa, I put money into this account as an emergency lump as there would be no way I could take the money out unless I wanted to pay a fee to take it out, which in my eyes isn’t worth the hassle.
I’m not here to sell the bank accounts it’s just an idea of what to consider for when you are saving!
2. Jobs and wages
When you get a job at whatever age that may be I got my first job at 14, you will hopefully be getting some cash for the work you do, now its so easy at the start of a job to say ‘I’m going shopping!’ And the. To have nothing left, I got into the idea of splitting my wage in half keeping half for me to spend on anything and the other half to go into my stash to grow.
This is probably one of my biggest tips I think I will forever live by this rule as its just worked so well for me – and hopefully you guys!
When you get a job at whatever age that may be I got my first job at 14, you will hopefully be getting some cash for the work you do, now its so easy at the start of a job to say ‘I’m going shopping!’ And the. To have nothing left, I got into the idea of splitting my wage in half keeping half for me to spend on anything and the other half to go into my stash to grow.
This is probably one of my biggest tips I think I will forever live by this rule as its just worked so well for me – and hopefully you guys!
It’s good to be tight! My mum’s side of the family are the tightest bunch with their money it must be a gene! But my dad always says you can’t take money to the grave which I understand completely it’s all about balancing what you want (or need) to save for.
3. Managing on-line banking
On-line banking is one of my best friends, I’m forever checking on my balances and transferring money between accounts, if you bank allows on-line banking, just go have a look cause I find it so helpful and easy to organise especially cause I live a while away from my branch.
On-line banking is one of my best friends, I’m forever checking on my balances and transferring money between accounts, if you bank allows on-line banking, just go have a look cause I find it so helpful and easy to organise especially cause I live a while away from my branch.
4. The good old money bank
It’s be massively under rated the old piggy bank and even now I still use them, you could argue I am way to OCD about this actually! I have one jar for my coppers and small silvers, and another jar for my £2, £1, and 50p’s. I don’t know why I’m just weird, it’s probably because this one grows more quickly because of the larger coin value.
It’s be massively under rated the old piggy bank and even now I still use them, you could argue I am way to OCD about this actually! I have one jar for my coppers and small silvers, and another jar for my £2, £1, and 50p’s. I don’t know why I’m just weird, it’s probably because this one grows more quickly because of the larger coin value.
5. Set goals!
So when I started saving for my car I used to get about £20-30 a week. So I worked out how much annually (×52) and then work out how much I’d spend and save out of that pile, so around half and half then I’d work to that figure In my head to earn say £500 throughout the year to put away and save, this is a lot better when you have a larger wage so more can be saved.
So when I started saving for my car I used to get about £20-30 a week. So I worked out how much annually (×52) and then work out how much I’d spend and save out of that pile, so around half and half then I’d work to that figure In my head to earn say £500 throughout the year to put away and save, this is a lot better when you have a larger wage so more can be saved.
A lot of the time when I’d keep money for myself I wouldn’t end up spending it so I’d just put it with my savings instead. Remember to keep some for yourself though or else you’ll get bored because your wage is your treat, you earnt it!
What do you do to save?
Sian x
I wanted to draft you that very small observation in order to say thanks a lot once again with the awesome advice you’ve contributed on this site. It’s so tremendously open-handed with people like you giving without restraint all that many people could possibly have made available as an e book to help make some dough on their own, and in particular now that you might have tried it if you desired. The thoughts additionally served to become a easy way to be aware that other people have a similar passion really like my own to see great deal more in regard to this problem. I know there are a lot more pleasant times up front for folks who read carefully your blog.
I wish to express my admiration for your kindness for women who require help on your question. Your special dedication to passing the solution along became exceedingly beneficial and have always made somebody much like me to reach their endeavors. Your personal warm and helpful facts signifies so much a person like me and extremely more to my office workers. Thanks a lot; from all of us.
An impressive share, I just given this onto a colleague who was doing a bit evaluation on this. And he in truth purchased me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to debate this, I feel strongly about it and love reading more on this topic. If possible, as you develop into experience, would you mind updating your weblog with extra details? It’s highly useful for me. Big thumb up for this blog publish!
I’m commenting to let you know what a helpful discovery my friend’s princess encountered going through your web site. She picked up a lot of pieces, with the inclusion of how it is like to have an incredible helping heart to have many others just fully grasp specific impossible subject areas. You really did more than people’s expectations. Thank you for displaying such informative, dependable, informative and cool tips about the topic to Emily.
I simply wanted to send a comment to express gratitude to you for those magnificent secrets you are posting on this site. My considerable internet research has at the end of the day been honored with wonderful concept to write about with my classmates and friends. I would assume that many of us website visitors actually are unquestionably endowed to be in a wonderful community with many wonderful professionals with useful principles. I feel quite lucky to have seen the web pages and look forward to plenty of more awesome minutes reading here. Thanks once more for a lot of things.
Your house is valueble for me. Thanks!?
I as well as my pals were looking at the nice solutions located on your web page and before long I got a horrible suspicion I never expressed respect to the site owner for those strategies. Most of the guys happened to be consequently stimulated to study all of them and now have really been enjoying them. We appreciate you being simply kind and also for picking out this kind of tremendous information most people are really needing to be aware of. Our own honest apologies for not expressing appreciation to you earlier.
I have to express some thanks to the writer for rescuing me from this particular crisis. Because of researching throughout the internet and seeing views that were not productive, I was thinking my entire life was gone. Existing without the presence of solutions to the difficulties you’ve sorted out by means of your good report is a serious case, as well as the ones that might have in a wrong way affected my career if I hadn’t discovered the website. Your good understanding and kindness in controlling all the stuff was precious. I don’t know what I would’ve done if I hadn’t come across such a step like this. I can also at this time relish my future. Thanks a lot very much for the impressive and effective help. I won’t think twice to endorse your blog to anyone who wants and needs support on this area.
I have to convey my respect for your generosity giving support to persons that must have assistance with this important situation. Your very own commitment to passing the message around had become especially invaluable and has in most cases made people like me to attain their desired goals. Your useful report implies a great deal to me and additionally to my colleagues. Best wishes; from all of us.
I intended to compose you a little bit of observation just to give many thanks again for those incredible secrets you’ve featured on this site. It is shockingly generous with you to give freely just what a number of people would have offered for sale as an e-book in making some bucks on their own, notably considering the fact that you could have tried it in case you decided. These guidelines likewise worked to be the great way to be sure that other people have similar keenness really like mine to see significantly more on the topic of this matter. I know there are numerous more pleasant times ahead for people who scan your blog post.
I simply wished to say thanks once more. I’m not certain what I would’ve implemented without the suggestions revealed by you regarding this situation. It seemed to be a difficult dilemma for me, however , seeing this specialized fashion you dealt with the issue made me to weep for joy. Now i am thankful for this advice and in addition trust you are aware of a great job you are always doing training some other people through your web site. I am sure you have never come across all of us.
I want to point out my respect for your kindness supporting those who must have help on in this question. Your very own commitment to getting the message around became incredibly practical and has consistently enabled workers much like me to achieve their ambitions. The useful useful information implies a lot to me and even more to my fellow workers. Thank you; from everyone of us.
I needed to put you a very small note in order to say thanks yet again for those magnificent techniques you’ve contributed on this page. It is simply seriously generous of people like you in giving freely all most people could have marketed as an ebook to make some dough for themselves, most importantly considering that you might well have done it if you desired. The tips in addition served like the great way to be aware that other individuals have a similar passion similar to my personal own to know way more on the topic of this condition. I’m sure there are several more pleasurable sessions ahead for those who take a look at your blog.
I am only commenting to let you know what a perfect discovery my cousin’s daughter went through reading through your web site. She realized lots of pieces, including how it is like to have a very effective coaching nature to have certain people with no trouble gain knowledge of selected extremely tough topics. You truly exceeded readers’ desires. Many thanks for providing these essential, healthy, edifying not to mention cool tips about that topic to Julie.
I have to show my admiration for your kind-heartedness giving support to those individuals that really want guidance on this field. Your real dedication to passing the message all over came to be pretty powerful and have regularly empowered girls much like me to arrive at their ambitions. Your amazing valuable guidelines can mean a great deal to me and extremely more to my office colleagues. Thanks a lot; from all of us.
I am commenting to let you understand what a awesome encounter my friend’s child undergone studying your blog. She picked up many things, not to mention how it is like to have an excellent coaching mood to make many people very easily understand certain specialized issues. You really did more than people’s expected results. Thanks for rendering those powerful, trustworthy, educational and cool thoughts on the topic to Emily.
Thank you for all your valuable labor on this site. My daughter really likes doing research and it’s easy to see why. We learn all concerning the powerful means you present invaluable solutions via this web site and in addition invigorate response from other individuals on that content plus our favorite daughter is certainly understanding a lot. Enjoy the remaining portion of the year. You’re conducting a fabulous job.
Thank you for all of your work on this web site. Gloria take interest in participating in internet research and it is easy to see why. A number of us learn all relating to the compelling method you make vital things via your website and welcome participation from other ones about this point and our own girl is without question being taught a whole lot. Take pleasure in the remaining portion of the new year. You are performing a splendid job.
I as well as my guys came digesting the good advice on your website and unexpectedly got an awful feeling I had not expressed respect to the blog owner for them. My women were definitely as a result happy to read them and have now sincerely been taking advantage of them. Thank you for simply being very considerate as well as for deciding on some marvelous subject areas millions of individuals are really desirous to understand about. Our own honest apologies for not saying thanks to earlier.
I just wanted to construct a comment to express gratitude to you for all the superb advice you are sharing at this site. My incredibly long internet look up has finally been recognized with extremely good insight to exchange with my family members. I would point out that we site visitors are quite lucky to live in a perfect network with very many brilliant people with interesting secrets. I feel somewhat lucky to have seen the web site and look forward to so many more thrilling minutes reading here. Thank you once more for all the details.
I actually wanted to make a brief comment so as to thank you for all the superb tricks you are showing on this website. My time intensive internet investigation has at the end of the day been recognized with pleasant facts and strategies to write about with my friends and family. I ‘d repeat that we website visitors actually are rather endowed to dwell in a fabulous network with very many marvellous people with interesting basics. I feel very fortunate to have used your website and look forward to plenty of more thrilling minutes reading here. Thanks a lot once more for a lot of things.
Needed to send you a tiny note to finally thank you very much the moment again relating to the extraordinary opinions you have provided on this site. It was quite wonderfully open-handed with people like you in giving freely just what most people would’ve marketed for an electronic book to earn some money for themselves, principally given that you might well have tried it in the event you wanted. These suggestions additionally acted to become good way to be aware that some people have similar dream just as my very own to realize somewhat more related to this condition. I’m sure there are many more pleasant situations up front for individuals that looked at your website.
I would like to get across my admiration for your generosity in support of people that have the need for assistance with the issue. Your personal dedication to passing the message along turned out to be incredibly good and have without exception made folks just like me to arrive at their pursuits. The warm and helpful publication indicates this much to me and far more to my peers. With thanks; from all of us.
My spouse and i got very comfortable when Jordan managed to finish up his basic research with the ideas he acquired from your own web site. It’s not at all simplistic to just continually be giving freely helpful hints that many the others might have been selling. We really see we have got you to give thanks to for that. The most important explanations you’ve made, the easy website navigation, the friendships you aid to promote – it’s got many unbelievable, and it’s aiding our son in addition to the family know that that content is brilliant, and that is extremely serious. Thanks for the whole lot!
I want to get across my gratitude for your kind-heartedness giving support to individuals that actually need help on that topic. Your personal dedication to getting the solution around appeared to be wonderfully useful and have permitted those much like me to achieve their desired goals. Your entire informative recommendations signifies this much a person like me and somewhat more to my office workers. Thanks a ton; from everyone of us.
I must convey my appreciation for your generosity in support of women who require help with this subject. Your personal commitment to getting the message around appeared to be quite invaluable and has specifically allowed others like me to get to their dreams. Your personal invaluable key points indicates much to me and further more to my fellow workers. Thanks a lot; from everyone of us.
My spouse and i got so satisfied Emmanuel managed to complete his reports through the precious recommendations he came across from your own weblog. It’s not at all simplistic to just possibly be offering points which usually many people might have been selling. We grasp we now have the blog owner to give thanks to because of that. The type of explanations you made, the straightforward site menu, the relationships you can help to foster – it is many remarkable, and it’s helping our son in addition to the family recognize that the issue is pleasurable, and that’s pretty indispensable. Thanks for the whole lot!
I precisely had to appreciate you again. I do not know the things that I would’ve handled without the entire points contributed by you directly on such a subject matter. It became a very scary setting in my position, however , encountering this specialised fashion you dealt with the issue took me to jump over happiness. Now i’m happier for the help and as well , sincerely hope you comprehend what a great job your are doing instructing others through your webblog. More than likely you have never encountered any of us.
I actually wanted to construct a word in order to thank you for the awesome items you are writing at this site. My long internet look up has finally been compensated with awesome concept to go over with my visitors. I ‘d state that that many of us readers actually are unquestionably fortunate to dwell in a notable network with many special people with interesting ideas. I feel somewhat privileged to have come across the web site and look forward to many more fabulous moments reading here. Thank you again for all the details.
Thank you so much for providing individuals with such a splendid possiblity to read in detail from this website. It’s always so brilliant and full of amusement for me personally and my office friends to visit your blog at least three times per week to find out the new things you have got. And lastly, we are certainly contented concerning the remarkable pointers you give. Selected 1 points on this page are in truth the simplest we have had.
I wanted to develop a brief comment to express gratitude to you for all of the awesome concepts you are sharing at this website. My time intensive internet research has finally been honored with professional concept to talk about with my guests. I would express that most of us visitors are extremely blessed to live in a fabulous place with many special individuals with interesting techniques. I feel really lucky to have seen the web page and look forward to many more amazing moments reading here. Thanks a lot again for all the details.
Thank you a lot for giving everyone such a splendid chance to read articles and blog posts from here. It is usually so terrific and also full of amusement for me and my office acquaintances to visit your blog more than 3 times per week to study the newest guides you have. Of course, I am always happy with all the excellent inspiring ideas you give. Some 2 points in this posting are rather the best I have had.
I have to point out my gratitude for your generosity supporting women who need assistance with the area of interest. Your special dedication to passing the solution all over was amazingly important and has permitted ladies like me to reach their endeavors. Your own interesting tutorial means a great deal a person like me and even more to my peers. Thank you; from each one of us.
I needed to compose you the tiny remark to finally give thanks again about the great guidelines you have documented on this page. It’s certainly seriously generous of you to grant publicly all a number of us could have supplied as an e book in order to make some bucks on their own, most notably given that you might have done it in the event you desired. Those inspiring ideas likewise acted as the great way to realize that most people have a similar desire just like mine to find out a whole lot more in terms of this issue. I am sure there are millions of more fun sessions up front for those who view your website.
I want to show my appreciation to you just for bailing me out of this type of instance. As a result of searching through the the net and seeing recommendations which are not pleasant, I was thinking my entire life was well over. Being alive devoid of the answers to the issues you’ve fixed all through this guideline is a crucial case, and those which could have in a wrong way damaged my career if I had not come across your blog post. Your personal skills and kindness in handling the whole thing was precious. I’m not sure what I would’ve done if I had not discovered such a stuff like this. I can also at this point look forward to my future. Thanks very much for your professional and amazing guide. I won’t hesitate to suggest your blog post to anyone who desires guide on this topic.
I would like to get across my respect for your kind-heartedness for people who absolutely need assistance with this area. Your very own commitment to getting the solution all through came to be pretty informative and has constantly empowered employees just like me to arrive at their targets. The warm and friendly suggestions entails much to me and even further to my colleagues. Many thanks; from all of us.
There’s noticeably a bundle to find out about this. I assume you made sure nice points in features also.
Your house is valueble for me. Thanks!?
I am also commenting to let you understand of the fine discovery my wife’s girl had going through your site. She realized numerous pieces, including what it is like to possess an incredible teaching mindset to get other folks really easily understand various very confusing subject areas. You really surpassed visitors’ desires. Many thanks for coming up with the productive, trusted, revealing not to mention easy thoughts on this topic to Lizeth.
Good post. I study one thing more difficult on totally different blogs everyday. It should all the time be stimulating to learn content material from other writers and observe somewhat one thing from their store. I抎 prefer to use some with the content on my weblog whether you don抰 mind. Natually I抣l give you a link in your web blog. Thanks for sharing.
My spouse and i got so joyous that Raymond managed to finish off his research while using the ideas he discovered out of your site. It is now and again perplexing to simply be making a gift of steps people today might have been trying to sell. And we understand we’ve got you to be grateful to for this. All the explanations you made, the easy website menu, the friendships you can aid to create – it’s got many spectacular, and it is facilitating our son and our family know that the article is awesome, which is wonderfully pressing. Many thanks for the whole thing!
The following time I read a blog, I hope that it doesnt disappoint me as much as this one. I mean, I do know it was my choice to read, but I truly thought youd have something fascinating to say. All I hear is a bunch of whining about something that you would fix in the event you werent too busy in search of attention.
Thank you for helping out, wonderful information. “Our individual lives cannot, generally, be works of art unless the social order is also.” by Charles Horton Cooley.
Hey There. I found your blog using msn. This is a really well written article. I will be sure to bookmark it and return to read more of your useful information. Thanks for the post. I will definitely comeback.
Thank you for helping out, superb information. “The surest way to be deceived is to think oneself cleverer than the others.” by La Rochefoucauld.
But a smiling visitant here to share the love (:, btw great design and style .
Very good written post. It will be helpful to everyone who utilizes it, including yours truly :). Keep up the good work – looking forward to more posts.
I’ve recently started a site, the information you provide on this web site has helped me tremendously. Thanks for all of your time & work. “‘Tis our true policy to steer clear of permanent alliances with any portion of the foreign world.” by George Washington.
I’m not sure why but this web site is loading extremely slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later and see if the problem still exists.
Fantastic buy for a mattress without awful chemicals. Procured double measurements for a 4 year aged. It is actually incredibly comfortable and seems well created.
I gotta favorite this site it seems extremely helpful handy
I like the valuable info you provide in your articles. I’ll bookmark your blog and check again here frequently. I’m quite certain I will learn many new stuff right here! Good luck for the next!
Hello, Neat post. There’s an issue together with your site in web explorer, could check this… IE still is the marketplace chief and a big component to folks will leave out your great writing because of this problem.
Some genuinely wonderful content on this site, appreciate it for contribution.
Heya i am for the first time here. I found this board and I find It truly useful & it helped me out a lot. I hope to give something back and help others like you aided me.
Keep working ,terrific job!
Well I truly liked reading it. This tip provided by you is very effective for correct planning.
I as well as my buddies were taking note of the best ideas on your web site and so immediately got a terrible feeling I never expressed respect to you for them. All the boys became as a consequence thrilled to read through them and have in effect unquestionably been taking advantage of those things. Appreciate your simply being considerably considerate and for considering certain tremendous resources millions of individuals are really eager to be informed on. My personal honest apologies for not expressing gratitude to you sooner.
I was suggested this web site by my cousin. I’m not sure whether this post is written by him as no one else know such detailed about my trouble. You are amazing! Thanks!
I haven¡¦t checked in here for a while as I thought it was getting boring, but the last few posts are good quality so I guess I¡¦ll add you back to my everyday bloglist. You deserve it my friend 🙂
Wow! This could be one particular of the most helpful blogs We’ve ever arrive across on this subject. Actually Excellent. I’m also a specialist in this topic so I can understand your hard work.
I wish to express some appreciation to the writer for bailing me out of this type of problem. Just after exploring through the internet and meeting notions that were not powerful, I assumed my entire life was over. Being alive without the presence of answers to the problems you have solved by way of your website is a serious case, as well as the ones which could have badly damaged my career if I hadn’t come across your site. That knowledge and kindness in taking care of every item was useful. I’m not sure what I would have done if I hadn’t come across such a stuff like this. I can at this time look forward to my future. Thank you so much for this impressive and results-oriented guide. I will not hesitate to recommend your blog to anyone who desires direction about this area.
I don’t even know how I ended up here, but I thought this post was great. I don’t know who you are but definitely you are going to a famous blogger if you are not already 😉 Cheers!
Excellent blog here! Also your website loads up very fast! What host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as quickly as yours lol
You made some good points there. I did a search on the topic and found most people will agree with your website.
I¡¦ll immediately seize your rss feed as I can not to find your e-mail subscription link or e-newsletter service. Do you have any? Kindly allow me recognize so that I could subscribe. Thanks.
I like what you guys are up also. Such clever work and reporting! Carry on the superb works guys I have incorporated you guys to my blogroll. I think it’ll improve the value of my site 🙂
.}
great issues altogether, you just received a brand new reader. What could you recommend about your put up that you simply made some days in the past? Any sure?
Just a smiling visitor here to share the love (:, btw great layout.