Tag Archives: money

Living To Save: Good Habits For Saving The Pennies

 

 So at the beginning of this month I moved out of my parent’s house into my own place in the town nearby, not a huge distance, but a big change! I was stressed out for weeks running up to the day, convincing myself it was an impossible task that I was stupid to take on – despite all the love and support from those around me. The stress made the whole process an ordeal and really tainted my last few weeks at home – I self-sabotaged the last weeks in the house I grew up in by making the move a way bigger scarier deal than it turned out to be.
Now I’ve been here just about a month and I love it, and living independently hasn’t been all that terrifying so far, just a bit more to keep on my mind day-to-day. The biggest of all these “grown up” issues is, as expected, money!
Making sure the finances are healthy is a big part of my day, making sure I have enough shifts, online and offline income to keep myself comfortable! Of course, my day job sorts out as much as I need, but in this age we need to save for the future, so I work hard to make sure I’m making and saving enough to stay afloat and keep some back for when I may need it!
Being raised by a family good at navigating the turbulent waters of life, who always made sure I had all I needed growing up, I’ve learnt a lot already, and I’m figuring out more and more as I go along!

1. Become a smart consumer!
Since moving around, I have started brushing up on my quick mental maths so I can easily calculate what I get for my money, and being more thoughtful with what I invest in, taking the time to consider each item and decide whether it is worth it.
Things like Ready meals seem like such a good idea at the time, but actually are bad for your wallet. When a microwave lasagne is only £1-2 from the shops, that may seem like a great way to put food on the table, but it’s a marketing trick. It is banking on the fact that it is quick to grab off the shelf, and they just hope that the consumer buying it doesn’t stop to work out that it would be a much better deal to cook a pan of lasagne that they could then reheat for the next day or two (or freeze) and have over a longer period of time. If I want something, I always quickly do an estimate of how much the ingredients would cost. The individual componets of the meal may work out as more expensive, but it is usually in quantities big enough that they will last for multiple recipes, rather than just 1 meal.
2. Plan Ahead
 My housemate and I have started doing big shops together in order to save money, because we find we spend less by doing our shopping in bulk. As we all know, when you go shopping you always end up getting some stuff you didn’t plan for, or you got hungry when you saw a treat, and there are always those little things you put in the cart that you forget about.
Planning ahead and doing one big shop every week or two actually really helps to organise yourself and save buying unnecessary junk.
Also before I go do a big shop, I make a list of the meals I plan to make and their ingredients and browse online supermarket prices, to compare where is cheaper. I tend to go to multiple shops to get the things that are cheaper from each one – it is a fair bit more effort, but you save a lot of money in the process, and after a while you start to learn where certain things are cheaper and naturally remember without the research!

3. Free Transportation

Being a somewhat lazy person, I never showed much appreciation for the fast and free mode of transportation available to me, that is walking. I always got the bus, caught a lift or, in dire circumstances, got a cab, but recently I adopted a zero-tolerance policy on transport and decided to always walk into work if time, weather and health are suitable to do so.
I live a half hour walk from where I work and the amount of effort the walk feels beforehand always fills me with dread, but it’s never so bad as I think it will be and I save upwards of £10 a week and get fitter as I go!

3. Go reusable

Integrating reusable items into your life can be such a great way of saving money. It reduces the need to re-buy (in some cases for life) items which you would have once used only up to a couple of times before discarding.
Reusable items are not only better for your bank balance, but often the environment too, reducing the amount of waste that to landfill dramatically

My favourite items online
Laundry Eggs
These are plastic balls filled with pellets that slowly dissolve over hundreds of washes, cutting out other detergents and saving money! They are usually refillable and eco-friendly to boot! They can be purchased plain, but there are also scented alternatives to give your laundry a fresh smell!

While they appear extremely expensive, a quick breakdown of the price divided by the number of washes shows that even some of the more expensive brands work out at only about £0.03p per wash, so saving you money as well as time and protecting the environment!
Here is a list of available brands online!

 

Dryer Balls
Dryer balls are a super helpful little gadget! You throw them in the tumble dryer with your washing and set it going, the dryer balls aerate the laundry, helping the laundry dry a lot faster, saving time, money and energy!
There are also brands that scent your laundry, to make it smell nice while they’re at it!

 

Reusable Straws
A bizarre item to think of buying a reusable alternative to, but if you have a tendency to get through a lot of straws, investing in a set of silicone or stainless steel straws could be a great idea!
While cool, they are also easy to clean, reduce plastic wastage, and save that little bit of money if you find yourself getting through too many.


Microfiber Kitchen Cloths
Microfiber cleaning cloths are a great reusable investment that make cleaning a lot easier and I would recommend anyone to start using them in place of disposable surface wipes!
I use them for most cleaning jobs- they even leave windows and mirror streak-free and clean!

Unexpectedly reusable
I would never have guessed it was a legitimate idea before seeing it in action, but I have met a lot of people recently who reuse kitchen sponges, throwing them in the hot wash with their tea towels to freshen them up every couple days! I am not sure whether this practice is recommended with them, but I have being doing it ever since and seen no issue from it!

4. Save The Pennies
Literally. Put those pennies into a jar and keep them safe, then get them swapped out for cash when it gets full! It’s a really good idea whe you stick to it, as pennies are hard to carry around and use, but do add up quickly! I currently have about £14 in pennies in a jar on my desk and am waiting a bit longer before lugging it all to the bank for the precious payout!
Getting a container that isn’t necessarily easy to raid is a good call, as it helps to prevent dipping in unnecessarily and slowing your progress.
I’m fond of the huge novelty banks that can hold hundreds of pounds as, while they take longer to fill up, the payout is so satisfying when you finish it up!
Here are some I can recommend, if you don’t want to go down the “coffee jar” route.

5. Side Projects

Finding easy sources of side income, even if it’s only a little amount, is a great way of taking some of the stress off finances. While this may seem obvious, it’s a step worth thinking really hard about – you would not believe some of the weird things I’ve made money from in my time!
Think hard about what you can do to bring in that extra bit of cash:
Cleaning
Drawing
Knitting
Freelance assistant work
Email editor
TV extra
Affiliate advertiser
The above are all little side things I have made money from personally so, trust me, I’ve been there and done that!

6. Get A Routine

Come up with a routine of saving, some small rules to follow that are feesible with your lifestyle. Decide what limitations you need, what percentage of your income you can set aside, and any goals you want to reach and in what time.
Make sure to be realistic with your goals, rather than pushing to have to stretch yourself too far to meet your goals- It will increase the chances of success and keep you motivated. Don’t trouble yourself too much by trying to set goals too ambitious, because you can always set a lower goal and exceed it, while overestimating and missing the mark will leave you disappointed and possibly result in actually saving less.
How much do you believe, with being careful, you could save a week? Or month?
What things could you cut down, without damaging your quality of life, to save that little bit extra on?

I hope these tips help you to improve your savings and reach a greater level of prosperity! Remember, having money is great, but do not make your whole life centred around it – Do what you can to make sure you have what you need, but remember to take that little bit of time to enjoy your life – don’t make every moment a scrabble for more, and make sure there are things in you life that really make you feel good, that makes all your hard work worth it.
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Lack of performance: What’s blocking you?  

So that title wasn’t intended to sound so sexual. Anyway, it’s there now!  But, that is genuinely the topic of today’s post: What areas of your life are you failing to perform in and why? (That still sounds so dirty….)

key4I suppose the title could have been ‘how to succeed’ or ‘how to get everything you want in life’, but the purpose of this isn’t to just hand you advice for what to do to get what you want, but to also teach you what to look out for so you know when you aren’t quite on track. Otherwise it would be like giving you a fishing rod when you’re at a river with no fish – pointless and not very helpful.

Hopefully this information will help you to avoid reaching standstills in your life that consume your time and waste your precious energy. This is all stuff that I am currently having to do in my life and so we are all in this together. And remember that there is no shame in your life being a little out of order. There was never an instruction manual for life, so there’s no need for you to feel bad for not having it all worked out.

 

Together, we can work out what’s in our way and collectively work together to break those blocks like we’re an 80s gamer!

 

1. Begin first by having a think about what it is that you want. Make a list and try to be as specific and clear as you can be. Write down as much as you can about that particular subject or area, everything about it that you want to do or learn.

Clearly knowing what you want helps you to lock onto the paths to attaining or achieving it by putting into words that your problem-solving mind is best at working out.

 

2. Look at other people succeeding in that area. Now, don’t look at them and think “Why are they so great, while I suck?!” as that will just set you back. Look at what they do which helps them succeed. What habits do they have? Are there any special behaviours they have that help them get what they want?

If you can, try to talk to these people so you can get first-hand advice from the people in the positions you want to be in. Some people may not necessarily want to help someone to become successful in the same area as them (some people feel easily threatened) so ask around until you find someone willing to honestly share what they know – there’ll be someone!

 

3. Take a day or two to examine yourself. Don’t do anything any differently to usual, except pay attention to what you are doing and take note.

What are you doing when you should be doing ‘X’? What side-tracks you? Are there any blatant causes of distraction or procrastination?

Don’t do anything at this point to ‘fix’ it. Just observe and take note.

 

4. What are the biggest blocks? Tiredness? Work? Absentmindedness? Socialising? The internet? Commitments?

Look at all the things that stop you or steer you off course for your goals?

 

5 How do these affect your progress? Currently, my bedroom is an absolute mess. There are boxes everywhere, laundry on the floor, bags of clothes I keep forgetting to donate, half finished organising jobs to do and too much random garbage surrounding me. That means that I cannot sit down at my desk (or even see my desk) to do any work. Thus I have to work in a different room where there are other sounds to distract me, I’m not in my office space and I feel more idle than I would if I had my office space (and bedroom) in a tidy manner.

I also want to film Youtube videos for Learn With Amy, but my bedroom is waaaay to messy to film in.

I also work a LOT, so that means I am out of the house most of the day and come home late at night. After a long day at work, I am too tired to tidy, so that is left until my days off, which means they can’t be spent working—it’s a vicious cycle!

Be honest with yourself about your progress is being affected. Don’t shy away from admitting it – embrace it and turn it around on itself!

 

6. Think about simple and realistic ways that you can solve your problem. Try to avoid intricate and detailed MacGyver solutions. Just stay simple and find out what you need to do. You may even need to try a few solutions before you find the right one(s) for you.

For example, tomorrow I am going to give myself the morning, and not a minute past 12, to get my room and office space sorted and ready for me to work so that I can use all of the rest of my day to get my work done.

 

7. Remember why you are here. Don’t let yourself forget your goal. The worst thing is when you forget that you are supposed to be focusing on a goal and you just trail off. That’s when the work gets forgotten and how you end up staring at your screen like ‘How did I get here?!’

Stay sharp and keep your eye on the prize!

 

8. Be strict but fair. Like a good leader, be understanding and kind to yourself, but don’t coddle yourself.

In life, we don’t get the luxury of being lead, so we have to lead ourselves. That doesn’t mean that we don’t need leadership skills. You can’t just treat yourself badly and expect good results. Respect breeds respect, especially with the self!

 

9. It’s okay to ask for help. Asking for help can be so powerful. It can instantly unlock key answers that you didn’t know were right there, simply by putting out that request for help.

Whether you are asking help from a friend, a co-worker, someone in the industry of your choice, a family member, me, a teacher or even just the universe, asking for help very clearly says “I could use a hand here” and can be exactly the key to getting you rolling again.

What pursuits have you felt blocked in recently? Let us know in the comments, or send me a message using the message box below, or connect on Facebook, Twitter or Instagram. X