Managing money

[Pushingdaisys]

Has anyone got any tips on how to save in the new year, tips on food shopping etc…

My best advice is topcashback. We all buy things online and if you go to topcashback and type in the website you want to buy from (e.g. amazon, eBay, hotels.com, curry's... anything!)... and visit those sites through topcashback, anything you buy will get you money back. You might make 100 small purchase online each year and we've reclaimed on average £300 a year from the small 10p-£3 at a time cashbacks.

E.g. say you buy an experience through Expedia... once you purchase, you will be sent 10% of the cost direct to your account.

Topcashback:
www.topcashback.co.uk/ref/Member1168271642322

'Sometimes' you can couple this with discount voucher apps like Honey and save even more.

I’ve always wondered if these work Il check it out, thanks

That's quite a big question with no context as to your starting point. This financial flowchart will help you see what your priorities should be and money saving expert can help you with your budget and signpost to where to get help.

ukpersonal.finance/flowchart/
www.moneysavingexpert.com/banking/budget-planning/

Also sign up to their weekly email for ongoing ideas about all aspects of managing your money and making it go as far as possible.

Sit down and work out essential outgoings.

How much is renting/mortgage.
Bills.

Petrol spending on essential work /school travel.
Food.
Lots or could you cut food back?

Then what do you have left.
Say it's 1000. Where does that go? Clothes? hair? Kids classes?

Add up where the residues goes. Then divide it up onto what you want to do.
Eg how much to kids clubs, bearing in mind holdidays, Xmas , bdays.... clothes.

How much do you want to spend at the weekend? How much do you want to save....

Then divide that up the moment you get paid

If you're spender it may be worth actually pulling that out in cash every months and doing actual envelopes method

I agree with @BarbaraofSeville - it is a pretty broad question, but you will find all sorts of tips, help and advice on moneysavingexpert.

Re topcashback type sites - I signed up a while ago and very rarely found anything through there I would pay the price for. You could nearly always get a better price from other places than the places they linked to. I found it similar to things like the rewards scheme through work - sounds attractive, but getting 3% off everytime I shop in Sainsburys (after going to the faff of pre-loading a card with money to be able to get the discount) the weekly shop was still 30% more expensive than an Aldi shop. A discount or cashback only really works if it is something you are definitely going to buy.