Look after the pennies and the pounds will look after themselves!

Anyone who knows me would tell you that I’m a bit of a cheapskate

bargain hunter!!

I don’t see the need to pay full price for something when you can get it cheaper

It doesn’t make any sense!?

My top bargain hunter tips:

  1. If you’re going out for dinner and not sure where to go have a look for places with deals, pizza express/prezzo/zizzi’s; these types of places always have discounts!
  2. If you’re going to the cinema check if they have a cheap day (It’s Tuesday in my cinema) or go on an Orange Wednesday (Don’t worry if you don’t have a code, someone will!)
  3. Before you buy anything online Google discount vouchers for that site (I saved £11 on a recent order on Buyagift.com)
  4. Join Wowcher/Groupon (they may bombard you with emails but you can get some really good deals)
  5. Look in charity shops – There’s is a lot less stigma attached to these nowadays and you can pick up some great stuff for a fraction of the price while also helping a good cause! (shopping and good karma! What more could you want?)
  6. Bootsales are also a great place for a rummage! – One woman’s trash is another woman’s treasure
  7. get a points card for wherever you food shop – I shop at Tesco and make sure I use my clubcard for every purchase! In return you get money off vouchers sent in the post.

I could go on forever but you get the idea – It may take a little longer but the money you save on the little things means you have more money to splash out on the things you really need (like a holiday!)

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 Here’s me enjoying one of my Wowcher offers – Burlesque show at the hippodrome casino (Leicester Square) and a 3 course meal for 2 including a cocktail each and a £10 chip to spend in the casino all for £34! BARGAIN!!!

As well as bargain hunting I’m also a bit of an organisational freak,

my diary is always up to date and everything is put into lists (the thought of going food shopping without one literally makes me nervous) now this may sound crazy but it works!

I use these OCD traits to budget my money.

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This little book has kept me on the straight and narrow!

Well as much as possible, it’s all very good writing a budget the hard part is actually sticking to it.

A little trick I’ve learned along the way is to round down any money that’s coming in and round up any money you spend which should give you some room for error.

Example budget

£1300 Paid – 339.90 train – 611 rent/bills – 30 Phone bill – 80 food

I start off with what I’ve been paid and the essentials payments to be made. Me and my partner have a joint account which are bills come out of so we don’t have to worry about those so long as we put the right amount in there.

Next I deduct things that aren’t essential but that are more regular

– 30 petrol – 50 dance course

Lastly I take put the things that I have planned for that month

– 20 city drinks – 20 date night – 10 take away – 40 Christmas shopping

= £69.10

This gives you the amount that you have left to play with 🙂

So if you’re feeling the pinch this Christmas season take a little time to think if there’s anything you can do to make it cheaper!

Write yourself a budget to keep out of those overdrafts and away from the credit cards!

(If you need anymore tips try watching extreme cheapskates/extreme couponing on TLC – The programmes may seem ridiculous but you’ll be amazed and what they do and may even take some handy hints on board!)

Laura X

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