7. Don’t bother wasting money on a gym membership.
8. Put that money towards your emergency fund and join later. Abs can’t pay for your emergencies when they pop up.
9. Take lunch to work.
10. Cook homemade meals.
11. Plan meals ahead.
12. Store away your Starbucks or Costa coffee card and get into the routine of making coffee for yourself at home for a few months.
13. Shop at discount stores such as Aldi or Lidl for the next two months.
14. Have a no spend
15. Cancel all non-essential subscriptions for a few months (remember to give 30 days notice)
16. Drive less- Save petrol and take public transport or walk more.
17. Embrace the old. Don’t get caught up in having new things in the New Year.
18. Revisit your budget and make additional temporary cuts to reduce expenses.
19. Ask for a loyalty discount on your current subscriptions.
20. Shop around for the best deals, don’t be so hasty to purchase!
21. DIY- Consider doing things yourself, your hair, nails, minor home improvements and make your own shampoo and conditioner.
22. Say NO! No eating out until you have saved £1000.
23. Be adventurous and try non-branded products- they do the job just as well and can taste better for less.
24. Delay or avoid upgrading for some time. Downgrade and save the additional money towards your emergency stash.
25. set up automated payments into your savings.
26. Save your loose change- save a penny, save a pound.
27. Find a part-time job.
27. Do more overtime.
28. Begin a side hustle. Turn your hobby or creativity into a side hustle that can bring in some extra money.
29. Feel bad and say No, anyway! Say no to events, eating out and anything that involves spending money
30. Cancel your landline- Who uses a house phone nowadays?!