Saving money and raising a young family doesn't always go hand in hand does it? Especially with the ever-rising cost of the general monthly outgoings. However, there are things you can do to help reduce those monthly outgoings and today I am going to be sharing a few tips and tricks that I think are helpful in doing that.
1. Reassess your TV package
If you are paying for Sky or Virgin Media TV could you cut down on your package? Do you need as many channels are your package includes? If not phone your provider and ask them about decreasing your package and finding you a better deal. Consider whether or not you could cut out Sky/Virgin completely and instead use Netflix or Amazon Prime or even Freeview.2. Meal plan / consider online shopping / check special deals
Family grocery shopping can really add up if you let it, so try and plan out weekly meals for your family and make as much as you can from scratch. Don't forget to check out the supermarket special deals for that week particularly looking at what has been reduced to half price. However don't just buy things because they've been reduced - try and stick to your meal plan or even work your meal plan around products on special offer. Online shopping can also be useful for cutting down costs as it means that there is less chance for things to 'fall into your basket'.3. Find a better mortgage deal
If you have a mortgage and your deal comes to an end make sure you search around for a new deal with a potential better fixed rate, you could have gained equity in your house and have a better loan to value ratio so head online and use a company like free online mortgage adviser Habito who use a combination of smart algorithms and human mortgage experts to find customers the best deal on the mortgage market by searching through 20,000 mortgages from 90 lenders in seconds.4. Cut out takeaway coffee and buy your own lunch
It's so easy to not realise how much a coffee and a bit of lunch on your work break can add up to, but if you work it out over a year you'll no doubt find that those few pounds a day really do quickly add up. So take your own flask with you and make your sandwiches or pasta salad at home the night before to cut down on costs.5. Compare your current utility bills and optional services like your mobile phone etc.
I know that I've said about this quite a bit before, but it's surprising how many people don't compare their providers often enough. Comparison sites make it so easy to find the best deals these days and sometimes your current providers will even match any better deals you do find. So if you do find a better deal then there's no harm in asking if your current provider will match it, if they won't then you should find out about switching.I hope these tips and tricks have been helpful. Is there anything you would add that has helped you to save on your monthly outgoings?
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