It’s a problem that faces every household – how to live comfortably whilst ensuring that the bills are paid and any unexpected issues are taken care of?
It can be easy enough to budget for the regular working week, but as soon as you include those one-off instances of having to pay for special family occasions and furniture like new beds, those are the moments where you’ll be grateful for having read some of these money saving tips!
Planning ahead
The first stage of any budget is planning your year so that you’re aware of which bills will be landing when. Yearly occurrences like road tax should be marked on the calendar well in advance, and for many other items like council tax you can split a payment into instalments – often with some handy savings.
The same concept applies for shopping for groceries. There’s a lot of money to be saved by planning a weekly food shop at a specific supermarket as many brands like Morrisons offer reward schemes, and by sticking with the same supermarket you’ll cut down the time you spend searching for specific items too!
Cashflow issues
Image Source – By Stux
Once you’ve cut some corners on your weekly bills, it’s a good idea to start a little saving fund to put aside for when any unexpected financial issues crop up.
Many households use such a scheme in order to cover the cost of a car should the vehicle unexpectedly suffer a breakdown, and the idea can also be used to reward yourself with a much-needed holiday!
But even if you don’t manage to save up for that one-off item, it’s worth remembering that many retailers offer finance schemes on a range of items.
So if you were wanting to finance for a new bed this Christmas, then be aware that Bedstar offer some interesting schemes that could see you experiencing a whole new level of comfort in the winter months!
Digital assistance
Image Source – By Parampreet Chanana
However, some of us could always use a little help when it comes to dealing with all of the arithmetic skills necessary for managing household budget.
Thankfully there are plenty of household budget apps like GoodBudget that take a lot of the pain out of figuring out where all of the money has gone and what it should have been spent on!
Such apps can be a great way to plan ahead so that you can save for that big holiday, prepare for when the car needs fixing, and make sure that you can afford to treat yourself to a lovely new bed on finance!
Main Image Source – By Stevepb
