New Year's Resolution: Tips To Save More Money This Year

Now that the past year has ended and you are now facing a brand new year, are you ready for it? What have you included in your resolution list? Maybe this year is the time to get down and serious in managing your finances, if in the past years you have been not doing well in managing your finances, take time this year to improve yourself in that aspect- or pay a dear price for it. Having good financial skills will benefit you in the long run, here are a few things you can do to get started.

1. Time to bring lunch to work. You could start by bringing lunch for at least once or twice a week. Some people tend to spend too much in eating out or buying food during lunch. Some may even spend too much on £3-5 on foods that they just crave like sandwiches, cookies and or coffee. Now, spending £3-5 a day, you think it's quite okay, it's not a large amount; don't just think of the cost then and there, but look at how much your spending in the long run; think about how much you could save in a long run. I mean, saving £3 a day; at the end of the month you already have £90 which is already a good sum. Now, make it a practice not just for you but for your whole family as well. Most mums pack their kids lunches right? Now is high time that you learn to pack lunch, also do this with your husband. You will get used to it, think about the savings. I mean it may not mean a lot right now but looking at the big picture, it's a start for you.

2. Learn to manage time more wisely. So what does time have to do with saving money? Well, as the saying goes, "time is gold". If you find yourself to be so busy that you're like short on time, then it's time you organise and list all the things you need to do before hand; or better yet, make a list ahead of time. You might be a parents, a single parent who needs to tackle work, children and chores everyday for the whole week, now you might find yourself getting unorganised with your time and schedule. So it's time to get organised, whenever there is an upcoming schedule then put it in a timeline. Manage your chores and tasks in that give time. When you need to buy something then make sure that you make a list so you won't have to waste money commuting back and forth because you forgot something. When you learn to organise, you can think a lot clearly and be more efficient.

3. Pay bills on time. Whenever it's past your due date, those people are so fast in adding the interest to your bills- don't let them do that to your bills. Overdue fines and interests are such a big waste of money. Include this on your daily/weekly/monthly list, tape it in your fridge- "Pay bills on time!". Paying fines for these overdue bills are unnecessary and a colossal waste of your money. You are already paying taxes and lots of things, don't add this to the list of unnecessary expenditures. All the money that you get to pay for these fines accumulated would be enough to buy you new gadgets or cover a month's bill. Make it a practice to pay your bills on time to avoid fines.

Here are just a few tips for you and or your household to save money and be more responsible with it. Today is a new year, it's time that you leave all those irresponsible acts of the last year behind and adapt to a better, new ways of living- being a more responsible, organised, time-saving, money-saving and happy citizen.

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