We all have good intentions at the beginning of a new year to be healthier, achieve more, be kinder and let’s face it, be better off! If you’re still catching your breath from the extra expense of the Christmas festivities you’re not alone. So, in order to help you start the year as you mean to go on, we’ve put together ten money-saving ideas to help your budget go that little bit further this year.
Save when you get paid
It’s so easy to have a good old splurge when payday comes around as a reward for all that sweat and tears. Those who put a little away on payday are much more successful savers than those who postpone it and find there’s not much left in the pot at the end of the month. It doesn’t have to be a huge amount, just a little every payday will start to accumulate in to a nice, rainy-day fund for when you need it.
Make your own lunches at home
The average Brit pays at least £6 every day on lunch. Add a few snacks and treats on there and your lunch break can start to become a really expensive habit. Prepare your lunch at home and you’re saving at least £120 a month! Plus, with you in control of the contents of your lunch box, you get to keep to your new year resolution of eating healthier this year.
Cycle instead of drive
Talking of being healthier, we know that cycling is a great way to stay fit but it’s also a great way to save money. Rather than jumping in the car on autopilot whenever you’re heading out, consider using your bike instead. Perhaps you can use it to commute to work on some days or use it for small errands. You’ll save on petrol and time avoiding all that traffic.
Check out our cycling range for inspiration!
Spread the cost
We live in an expensive world and sometimes we need a little help to see us through a tight month. If you administer it carefully and well, using credit can be a useful backup to help manage your finances. You might have some unexpected repairs on your vehicle, or the kids need new bikes and you don’t want to spend cash in one go. Halfords have partnered with Klarna to be able to offer lots of different finance options to help you spread the cost and take the pressure off.
Fix it yourself
Rather than incur more expense getting something repaired, how about doing it yourself?
Some jobs are easier than we think especially when you know how! Halfords have an extensive range of How to Guides to help you fix everything from replacing an inner tube to fitting new spark plugs. Think of all the money you’ll save and the satisfaction of acquiring those new skills!
Change your car filter
Now that you know all about Halford’s How to Guides, how about having a go at changing the air filter in your car? This is a valuable money saving tip as a clogged filter affects the fuel efficiency of your car which means you’re getting through petrol more quickly. You’ll also be reducing emissions that a dirty or damaged filter causes because of restricted air flow to the engine. Plus, you’re doing the job yourself so you’re really saving twice!
Have a clear out
How much are you storing under the bed or in the loft that could earn you money? Objects like CDs have started to become valuable items again for example. You may be sitting on a mini fortune without realising it. One person’s trash is another person’s treasure so have a good clear out and get selling!
Shop around to get the best deals
Have a review of your current TV, phone, energy and insurance contracts to see if you’re getting the best deal. Often, your renewal includes an increase and you could be missing out on some good deals out there. It takes a little bit of effort but switching from provider can save you a lot. Use comparison sites to do some research, find the best deal and save some money.
Switch off the lights
Turning off lights when you’re not using them is a simple and easy way to save money. If you’re going to be out of a room for more than 15 minutes, turn the lights off. You’re using less electricity and saving money on your bill. And, you’re extending the life of your light bulbs so you’re buying bulbs less often.
Always use a shopping list
Successful and savvy savers never shop without a list. It’s so much easier to make impulse buys without one and before you know it, you’ve spent a load more money that you don’t have. Make a list before you leave the house to keep you focused. Sticking to a list will help you avoid buying items that are not a priority or food that might go to waste.
Keep going! You’ll reap the rewards later in the year. Happy saving everyone!