The Luxury Mum

Welcome back everyone!  I am here today with another instalment of my practical money saving tips and advice to hopefully help you all save some pennies at a time that seems like it is affecting everyone. Please do let me know if any of these have helped you if you try them or if you do them already. Please also feel free to use the comments section as a place to speak to each other and share your own money saving ideas.  1. Use the reward systems that are already in place within the things you already pay for!  This tip is something that in the past I have been so totally shit at, it wasn't until very recently that I even joined up to 02's airtime rewards and I have been with them for years. This is the perfect example where each month I pay my phone bill and never save any money, this reward however gives me the opportunity to now save money on my phone bill just by shopping at the places I already do. I buy things in places like Boots as an example and o2 have hundreds...

  Happy March Everyone and welcome back to The Luxury Mum!  Firstly I would like to say thank you to you all for your interaction and amazing feedback on my most recent Budgeting post and for those asking, yes there will be more budgeting posts coming. Today's post is a request from a few of your that read my budgeting  post and wanted some money saving tips that I feel work and that I use. I will try to make this a monthly post going forward if it is something that you enjoy and find helpful.  1. Create A Budget & Stick To It This one will be obvious to any of you that read my most recent budgeting post so I will keep this short and sweet but the first step in saving money is to know where your money is going. If you want to use my budgeting spreadsheet you can find it on this post by clicking  here. 2. Check Your Bank Account Often I personally don't know anyone that doesn't have instant online banking and ...

  My Budget Spreadsheet    Click the above link to make a copy for yourself! 1. Have A Budget!   I feel like we have all been in the position at one point in our lives  where  we have looked at our bank account and thought, 'where has all of my money gone?' or had the feeling you get on payday, where you see your money coming into your account and then leaving just as fast and this can feel very overwhelming, especially if you don't have a clear idea of where your money going or when it is going to be going.  In order to combat this feeling I have taken inspiration from lots of different budget trackers over time and created my own simple version that I can control and amend as I wish. This budget tracker allows me to list and categorise all of my earnings, my outgoings and my savings so I  have a clear picture of what is happening with my money. There is also a section on my budget track...