8 ways I am going to save money every month

Save money I keep telling myself as I scroll through the internet being drawn in by sales or spontaneous buys online or in shops. It’s got out of hand to be honest. No I am not in debt thankfully (apart from my Next account but that is manageable and I’ve stopped spending in there while I pay off my debt).

However after looking at my incomings and outgoings this month I have realised I need to stop. I am in fact wasting my money.

My sister gave me a few pointers last year to keep an eye on my finances to help me budget better but I have started slipping back into old habits.

What can I change?

A lot actually!

  1.  I am going to stop shopping online. I am going to unfollow all the clothing sites I follow on Facebook and Instagram. It is far too easy for me to click on their sale sites and spend.
  2.  I am cancelling my gym membership for myself and my daughter. We had all intentions of going several times a week together to become fitter but in reality we rarely go. There is either things going on in the evenings or the gym is too busy for Miss C. She doesn’t do crowds or busy places. Also with my Fibromyalgia diagnosis, sometimes I am the one who can’t go as I am in too much pain, not that is bothers Miss C. We are just not benefitting from it.
  3.  When I go to the supermarket for items, I am going to start bringing cash again. I started doing this and it was great – I only spent money on what I needed, not what I thought ‘oh that’s looks nice’! I became to complacent and started to bring my bank card and so old habits have come back.
  4.  Lists. I am going to start doing a monthly Superdrug shop. I go in so many times for bits and again come out with bags. My plan is to write a list of what I need and on pay day, go in with my list and buy only what is on it.
  5.  Meal planning I do already. To be honest Mr B does the shopping. I end up buying far too much while Mr B sticks to the shopping list.
  6.  Do I really need it? Is something I am going to be more mindful of. Do I really need another crystal? No I don’t. Do I need another jacket, bag, boots? Nope. I really do need to think before I buy.
  7.  Stop window shopping. I am awful for window shopping because I don’t just window shop. If something catches my eye then that’s it, I’m in the shop. I am only a high street shopper but even then I buy on impulse and never return anything.
  8.  I am a sucker for subscription makeup boxes and magazines. The thing is, I don’t need them, I just love the thrill of what makeup or beauty items pop through my letterbox or what freebies are coming my way with the magazines. I am going to cancel my subscriptions on these too. Some of the beauty items I don’t use so again are they worth it? Probably not. Some of the magazines pop through the letterbox and to be honest sometimes I find these magazines not really interesting.

It will take a lot of will power to break these bad habits. I will always justify why I need something and then end up seeing my bank balance drop and then panic over funds.

It has to stop. NOW.

Have you had to curb your spending? Do you have any useful tips?

14 Comments on 8 ways I am going to save money every month

  1. Claire
    March 11, 2020 at 7:19 am (3 weeks ago)

    These are such simple and effective ideas. Especially carrying money, I find that really helps curb spending.

    Although I do have save the change with my bank which means I save as I spend! Bonus!

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:18 am (3 weeks ago)

      Oh save the change, that sounds like a great idea!

      Reply
  2. Treasure Every Moment
    March 11, 2020 at 12:05 pm (3 weeks ago)

    So many good ways to save money here! I also would like to stop online shopping for a bit – as someone who has little children I rarely go to the shops, so online is the only way to go shopping. However, it can easily feel like you’re not really spending money and this needs to change 🙂

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:17 am (3 weeks ago)

      Yes I totally agree! Spending online doesn’t feel like we are actually parting with money. A big downfall for me.

      Reply
  3. Talya
    March 11, 2020 at 1:02 pm (3 weeks ago)

    Online shopping gets me every time…it’s just too easy. I think taking money to she shops is a great idea..like in the good old days!

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:16 am (3 weeks ago)

      Yes taking cash has to limit spending so that is what I am going to do from now on!

      Reply
  4. Kara Guppy
    March 11, 2020 at 6:23 pm (3 weeks ago)

    I always use cashback sites to save money and have to admit that I am not much of a shopper anymore. My downfall is always ebay – love a bargain

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:15 am (3 weeks ago)

      Yes I am a huge bargain hunter too but then I will buy things because they are in a sale and I think I am saving money lol! Cashback sites are a really good idea.

      Reply
  5. Sarah Howe
    March 11, 2020 at 7:42 pm (3 weeks ago)

    These sound really achievable and I think you will do these well! I need to get my husband to cancel his gym membership too, as he rarely goes!!

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:14 am (3 weeks ago)

      I am determined to achieve them to stop wasting money, yes gym memberships can be costly, especially if he rarely attends!

      Reply
  6. Anosa
    March 13, 2020 at 8:02 pm (3 weeks ago)

    I find doing my food shop online saves me a fortune because I stick to my list and don’t add anything extra. Meal planning definitely saves money.

    Reply
    • WhatRachelWrites
      March 15, 2020 at 9:13 am (3 weeks ago)

      Online shopping is a great idea!

      Reply
  7. Laura Schwormstedt
    March 19, 2020 at 2:19 am (2 weeks ago)

    I also really need to curb back on what I am spending each month and these are some great ideas – having a list while shopping is super helpful and also not shopping online

    Laura x

    Reply
    • WhatRachelWrites
      March 20, 2020 at 3:21 pm (2 weeks ago)

      Yes I love a list! So far I have brought nothing online 🙂

      Reply

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