Can't over 30s use it?
Can't over 30s use it?Anyone below 30, I rexommend Voxi. I pay £10 a month for data, calls and text. They are the sister company of Vodafone.
Sneakily, if you read it it is at Tesco express stores only.If any of you have a Topcashback account. They're offering instore cashback at Tesco until the 15th when you link your card.
Yes! I also do that with envelopes and its made such a different to me. I used to be one of those people who would pop into home bargains for 1 thing and end up spending £100! So now i have a set amount and it really makes me stop and think about the things i buy.I use money envelopes. So idea is, things like food, petrol, necessities, days out/treats all get an allocated amount that you budget and then you pop that amount in an envelope for that specific thing only. You have to be really meticulous and make sure everything is accounted for cause once the money runs out thats it as you're not supposed to take money from one envelope and put it into another. I find it really handy personally as it makes me think of what I'm buying and if I really need it, and it means that I don't go overboard on things like meals out cause I have an allocated amount (I appreciate that seems boring but I have a bad habit of ordering more food than I can eat!)
I make a list on my phone of each person and buy birthday and Christmas presents throughout the year. Usually in the sales after Christmas. I've been known to finish my Christmas shopping by August so I'm literally just waiting for November to buy the cards and that's it. I also shop around and see if I can get things for cheap on eBay etc.
I plan my meals/snacks for the week and then I only buy what I need. I usually don't need a lot cause things like spices, pasta, rice etc last more than a week so I am often under budget which I love at the end of the month looking into my envelope (see above lol) and seeing left over money. I also shop in Lidl and just go to Tesco or Asda for things you can't get in lidl. I find planning means I only have to go once a week which saves money.
I use apps/points systems which does sometimes pay off. I also take advantage of the receipts surveys so for example, if you go to subway, on the receipt there's a survey and then once you've completed it they give you a code for a free drink or cookie. I appreciate it seems like spending money to gain something but if you're going to be spending it anyway for whatever reason, you might as well take advantage of it. Once I had enough subway reward points for a free 6inch and with the app I got a free drink so my whole meal was 69p which was the cost of the cookie I chose to buy.
Branching off tip 3 slightly: Always keep food you can chuck in the oven in the freezer. Just nuggets and chips/pizza/microwave curry or something like that. Whatever it is that you like to have for takeaways. I find it much easier to avoid ordering food/drive thru when I know I've got that kind of food in the freezerAs others have said, a budget spreadsheet has done wonders for my finances.
In 2020, I had hardly and savings. I have been working since 18 years old (now in my 30's), so it was so embarrassing that I hadn't saved much over all those years! But started a new job in 2020 and saved LIKE CRAZY and have a good amount of savings now. I have turned my finances around and in a good place now. SPREADHSEETS are the best.
Another tip: put money aside as soon as you get paid, BEFORE you spend on other things (obviously get the bills out of the way first). But before I used to (stupidly) spend first, then save the rest. Never do that, you must save first then spend the rest. I got it the right way round now
Third tip: don't go out much. Lmao, literally. Stay home and save the money (boring, I know). Or if you go out, do free things/ cheap activities.
Remember women, we must be financially stable! It's especially important for women. So that we can support ourselves if anything happens to us.
Another advice that I have mentioned before, don’t drink if you go out. People usually get 2-3 glasses of drink and that really add up.As others have said, a budget spreadsheet has done wonders for my finances.
In 2020, I had hardly and savings. I have been working since 18 years old (now in my 30's), so it was so embarrassing that I hadn't saved much over all those years! But started a new job in 2020 and saved LIKE CRAZY and have a good amount of savings now. I have turned my finances around and in a good place now. SPREADHSEETS are the best.
Another tip: put money aside as soon as you get paid, BEFORE you spend on other things (obviously get the bills out of the way first). But before I used to (stupidly) spend first, then save the rest. Never do that, you must save first then spend the rest. I got it the right way round now
Third tip: don't go out much. Lmao, literally. Stay home and save the money (boring, I know). Or if you go out, do free things/ cheap activities.
Remember women, we must be financially stable! It's especially important for women. So that we can support ourselves if anything happens to us.
That's true, if you want to buy something, check online deals first. Or online discount codes. I love discounts and sales, I hardly buy anything full priceYep I find ordering online has a huge difference price! When I by mine at the optician they're over 100€ but online they're less than 60€. I was a bit worried they might be fakes but so far I haven't had any issues. I mean, 40€ is a LOT. And I'm someone who routinely orders books at the local bookstore even though amazon would have them way cheaper.
Just an update about receipt uploading apps. I downloaded them at the same time Shoppix has been the best so far and I'm 95 points away from a £5 payout on paypal. They take receipts from everywhere and there are no limits.1.I joined three apps today where you have to upload receipts. I read from another instragrammer that you can also upload the same one to all three and get points with each.
Shoppix
Huyu
Snapmyeats
I have monzo and I withdraw instantly from my pots. Normally when I’m standing at the till, it’s super quickI have Monzo but it takes 24hrs to withdraw from the pot and sometimes you decide on things last minute so it’s a touch limiting only doing this. I don’t think I’ve ever withdrawn my wages in cash but I reckon physically seeing the money would certainly keep me accountable. All too easy to tap away here and there! X
Just created one now, they used to be 24hrs when I last had them! Was so annoying. Think I’ll start using them a little moreI have monzo and I withdraw instantly from my pots. Normally when I’m standing at the till, it’s super quick
The savings pots with paragon are 24 hours withdrawal with monzo but normal pots are instantJust created one now, they used to be 24hrs when I last had them! Was so annoying. Think I’ll start using them a little more
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