Fine tune your daily routine and put cash in your pocket
Make subtle changes and reap the benefits
Evolution not revolution…that’s the key to putting a little extra cash in your pocket.
Making wholesale changes to a daily routine can be rather off putting, however, a few tweaks here and there could easily help you save money with minimal stress.
Why not make a start with these six easy to implement adjustments…
Don’t skip breakfast
Eating a healthy and balanced breakfast each day isn’t just a great way of kick starting your metabolism, it’s also a fine means of warding off mid-morning hunger and staving off the temptation to spend loose change on expensive snacks.
Stay away from seductively packaged, over-priced, big brand cereals and focus on milk, eggs, fruit and oatmeal. You’ll not only feel fuller for longer, you’ll also save yourself the cost of that sugary newsagent cereal bar.
Change your commute
It doesn’t matter how you make the journey to work, there’s a good chance you could be saving cash. Perhaps you drive when you could walk? Take public transport when you could cycle? Put your foot on the accelerator when you could cruise down the motorway? Drive solo when you could car share?
If any of the above sounds familiar try making an effort to gradually change your routine. Not only could you make a greener commute, it could well be healthier as well. If you’ve no choice but to buy train and bus tickets, commit to month or yearly travelcards which work out much cheaper than daily or weekly alternatives.
Make your own coffee
You know that trip you make to Starbucks in the morning? And the midday fix at Costa? And the afternoon muffin at Nero? Well they really start to eat into your budget. Cutting costs means cutting luxuries and where better to start than frothy milk, sprinkled chocolate and caramel syrup.
Do your best to stick to a morning cuppa at home and making use of the office kitchen. For those who can’t live without a fancier caffeine fix, why not explore local independent coffee shops which traditional undercut the price of the giants quite significantly.
Pack that lunch
Spend a couple of weeks noting down your daily spend on sandwiches and lunchtime snacks and by the end of the 14 days you’ll no doubt be shuddering at the ridiculous amount you’ve spent. Granted, making a pack lunch everyday isn’t always practical, but even if you only do it a couple of times a week you could save around a tenner. Remember, just because you’re making it yourself, it doesn’t have to be boring.
If you know you won’t be able to resist the post-lunch munchies, prepare in advance. Don’t spend over the odds on bags of crisps, chocolates and cakes by making daily trips to the local newsagent, buy in bulk in advance at the supermarket when you are doing your grocery shopping. You’ll save a packet.
Bottle your own water
Everybody knows they’re supposed to drink six to eight medium sized glasses of water everyday, so it’s useful to keep a supply near you at all times. While there’s nothing wrong with regular trips to fill a glass, it goes without saying that a bottle (with its lid on) is going to be safer if you’re working near expensive gadgets and computers. Rather than regularly buying expensive bottled water, make sure you carry one bottle which you can constantly refill with tap water.
Turn off appliances
A recent study suggested that households could save up to £86 a year just by turning off appliances and gadgets properly. Standby mode apparently accounts for between 9% to 16% of the average electricity bill of £530 a year with televisions, satellite boxes and other video and audio equipment amongst the worst offenders.
It goes without saying therefore, that if you don’t want to throw money down the drain it is vital you always ensure the little red light isn’t still glowing. Further savings can be made by using cold washing machine cycles, swapping the tumble dryer for a clothes horse or washing line and wearing a jumper rather than turning up the heating.