It’s that time of year when the summer is fading, the evenings are getting darker, there’s a distinct chill in the air and we are winging our way to all the festivities and new year. With all those changes in mind, it’s a good time take stock on your year so far – how’s your new year resolution going, if it’s still going at all? Did you have plans to watch your spending? Maybe you wanted to earn some more money this year or just save a little more. Well, if like us your grand plans have fallen a little short there’s no need to panic!
We’ve gathered some great tips, tricks and ideas that will see you saving and making some cash before the year is out!
It’s haggle time
On everything, everywhere. One thing Brits don’t often do is haggle, and that’s long overdue a change. When it comes to things like insurance, always try to get more than one quote, then you can approach your preferred company to see if they will beat the lowest quote you have received. Often, especially if you are going to pay upfront, you can save yourself a fair amount of money, for the same service.
Also, don’t be scared to haggle in shops, even on the high street – after all, of you don’t ask, you won’t get!
Use your work benefits
Many companies offer special work benefits that include discounts with local or national retailers. It’s always worth a look to see what your company offers, you might be surprised at the types of things you can get money off – like restaurants, clothing, holidays, mobile phones and gyms. There are also the usual things like healthcare and dentistry which you should also take advantage of it if you can.
Check your tax code
This is a really simple way of potentially saving yourself hundreds or even thousands of pounds, and all it takes is a simple check. For those who find they have been paying too much tax you can make a claim for the difference to be paid back to you. If you’ve had (or have) multiple jobs, or are getting a pension, you should always keep an eye on your tax code as you fall into the group most likely to have issues with overpaying tax.
Don’t chuck it – sell it!
You might be gearing up for a big clear out before the end of the year, but instead of throwing everything in the bin, consider selling some of the better items on local Facebook pages, eBay and Gumtree. You’ll often find someone who will be willing to pay you for something that you want to get rid of. It’s a good idea to look on these pages first to see if anyone local wants the item before you get rid of it, they might even be willing to collect it, which saves you from any rubbish collection fees.
If you are looking to get rid of furniture, consider listing the item on Freecycle. You won’t get paid for it, but it will be going to someone who wants it and will come and take it off your hands. You could also donate anything decent to a local furniture charity store, they will often come and collect the items, then they can sell it in their store and donate the money to their charity.