Tag: money

Saving

Have you heard of a tontine? This is where you save a little bit of money each week and you get it all back in November. Friends could do this or work could have a scheme running. This is better than simply saving money in your bank account because you will always have access to that. There will always be something that you need and you will dip into it.

You could also join a voucher scheme. You will pay money into a company like Park Vouchers and they will give you a small amount of interest. When November comes, the vouchers will be sent out to you, through the post. Most high street stores will accept the vouchers and you will also get money off coupons so you can get a discount.

Clothing

If you want to save money on Christmas clothes then the simple answer is to … Read the rest

A dollar store supplier is someone who sells products at a wholesale price to dollar and dollar plus stores. These suppliers often times buy their items in bulk at a very reasonable rate and are able to pass their savings on to their customers. Most people are aware that retail stores buy wholesale merchandise, but what they aren’t aware of is that this opportunity is available to the general public as well. You can keep so much extra money in your pocket by purchasing wholesale merchandise yourself directly from a dollar store supplier, and not letting retail stores mark up these items to make a profit from you. Why wouldn’t you choose to order the same premium products you see in the store everyday for a much lower price?

If you do decide to stop paying retail and start buying wholesale merchandise, there are a few things you will want … Read the rest

The store should be your last resort

Yes, the last thing on your mind should be going to a store for a product. Before you do this, it is important to consider all the other options. You should check whether you can get the product for free. Search for the brand of product online and try as many discounts as possible. Never go for an impulse purchase as it will affect your wallet big time.

Whenever possible try to negotiate

There are some items on which you can’t negotiate. However there are many products and services on which you can bother to negotiate. The catch here is to reduce the asking price as much as possible. There are many stores that are always willing to offer products at extremely lower price provided you negotiate.

Always time your purchase

This means to be patient and time your purchase as much as … Read the rest

The first step to saving money requires you to be conscious of how much you spend. Thinking whether your purchasing whims are really worth it will force you to make better spending decisions.

One way to being a conscious spender is creating a budget. Your budget can be as simple as a list of your necessary expenses in a fully functional Excel document; it needs to make sense to you. Once you figure out what you spend the most on, you can work to cut back on those expenses.

One common expense that you might find dominates your spread sheet is grocery expenses. Spending money on food can’t be avoided, but buying food in bulk at stores like Sam’s Club or Costco is a way to cut costs. For example, most grocery stores charge $2 or more for two cups of shredded cheese. A large bag of shredded cheese purchased … Read the rest

Food

Some people think that they have to pay full price because unless food is close to the sell by date, supermarkets won’t lower the price. This is true for most supermarkets. People do have a big choice of supermarkets and some sell the items for cheaper than others, but you are talking about penny savings rather than pound savings.

However, when you go shopping for food, you should be looking for the sale aisle. Every supermarket has them, but sometimes it is just a shelf on an aisle and there is not much on there, but it depends on what time of day that you are going there.

On the sale aisle or shelf, there will be items that have been packaged wrong, or the package is damaged. The supermarket will not put them on the correct shelf with the other items because they won’t sell.

Therefore, they put … Read the rest