Tips to be a Top Saver

As you may or may not know, I’m now trying to be really really good at saving money. I’d love to move out and the sooner that becomes possible the better. I’d say at the moment I’m an average saver. I save a lot more than some of my friends, but nowhere near as much as some others. Completely slap bang in the middle. So from this pay day onwards I’m going to try and seriously up my game, and I’ve come up with several ideas to try and make this happen.

I think working in the finance industry does make me more aware of saving and how much you do actually need to move out etc, so I really need to make a conscious effort to start saving as much as possible because man, life is expensive!

  1. Make a Spreadsheet

I’ve made myself a simple spreadsheet on Excel coz I’m a proper, boring adult. It’s nothing fancy as I literally only know the basics of Excel, so it’s something that anyone can make. Each month I’m gonna put in the exact amount I got paid, and then it’s going to take away from that balance whatever I spend. I’ve made categories such as petrol, insurance etc. Stuff you HAVE to spend your money on each month. Then for clothes/beauty, I’m giving myself an allowance. And then after all these things it tells me how much I have left completely free. So I should be able to budget much better. Hopefully.

2. Cut out the Crap

Basically, stop wasting money on shit. I don’t need a hot drink from Costa, we have a kettle at work. I’m not really starving so I don’t need extra food at lunch. If I pop to the pub on a week night I don’t always need one glass of wine. If I ain’t getting drunk I’ll be having a soft drink. These sound so little but all these things add up and over a month I reckon I can probably save myself a good £50.

3. Eat Out Less

This is defo gonna be the hardest for me. I LOVE a meal out. Since pay-day I’ve already eaten out once and had an afternoon tea. But from now on that’s it, I’m going to be strong. It is so hard as Pete and I love eating out, and so do all my friends. But unless there’s an actual reason I ‘m going to turn down any offers. Once a month should do just fine.

4. Everything in One Go

By  this I mean, try and get everything that HAS to come out of your account to come out on your actual pay day, or as close to it as possible. I move a certain amount of money straight into my savings as soon as I get paid. Give my parents their rent money. Fill up my car with petrol. The list goes on. I’m slowly arranging for bills to come out the day after my pay day now instead of random days in the month. You may have to do this as and when you renew things (such as when your phone contract runs out) to avoid any admin charges. It means what your left with is basically good to use.

5. Be Strict

I am getting a lot better at this, but I need to actually think things through before buying them. No impulsive clothes buys! I’m really going to try and not buy something when I first see it, and then if I still want it after around a week then I’ll get it.

6. Bring Back the Piggy Bank

I’m going to be chucking any loose change into my piggy back and every couple of months I’ll empty it and pay it straight into my savings. Again, this is a really small step but every little helps, and combined with everything else it should start making a huge difference!

7. Learn to Say No

I’m seriously terrible for getting FOMO. I hate the thought that everyone’s out doing something and I’m not. And I also really dislike having to say no to things. But I need to learn that if I don’t go to every trip to the pub, or every night out, or every meal out, that my friends aren’t going to stop being my friends or hate me for it. If other people say no it’s fine, so it’s fine for me to say no as well sometimes. A night in with  my colouring book is just as good sometimes. And also a major sign of getting old 😐 brill!


2 Weeks House Sitting

Right this second I’m laying back, relaxing in my friends snuggle chair in her living room. This has preeeetty much been my permanent position every evening for the last 2 weeks. I’ve been house sitting while my friend and her fiancé have been off on a Caribbean cruise. I know, I’m major jel too and I’m defo gonna look ridiculously pale when they’re back tomorrow.

The first couple of days took a bit of getting used to. I still live at home with my parents so am completely used to coming in after work with dinner almost ready, and mum still does all my washing etc. Love ya mum <3. They’ve obvs been on holiday and left me to fend for myself before but as I’m actually in someone else’s house I felt a little bit more of a responsibility.

The main reason being that they have a dog which I had to get up, let out and run around with first thing every morning. At 6am. IN THE FREEZING COLD. You know how cold it’s been the last week or so right? Yeah. Not fun. Also loved how he shredded a whole newspaper across their garden and basically ate the plastic lid to his food. Thanks Oscar.

I’ve also had to cook, clean up, wash all my clothes, hoover, the list goes on… But luckily I do have an amaze boyfriend who loves to cook so he helped me out, the babe, but he wasn’t round every night so I had to *shock* make myself dinner and food for work the next day once in a while. And I ain’t no chef.

But once I’d got myself into a routine I was fine. And totally felt like *bitch got this*. I was buying toilet rolls, making dinner, putting the bins out. I even had my parents over for breakfast one Sunday morning. I am an actual, civilized adult. Well apart from the fact I may have killed their house plant, totally a grown up. Awks.

But now I do really, really, really want to move out. I know it’s definitely not achievable right now because well, money. But it’s made me want to save even harder than I already am so that it wont be an eternity before it’s possible. Of course I can’t wait to go home and see my parents and my dog, but I loved the feeling of being completely independent and free. And no-one asking me how much longer I’m going to be in the shower or washing up a glass I’m still using. Like seriously, who does that!?

Here’s to hoping that this time next year I’ll be almost there.

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