Saving money might seem like an impossibility at the moment. When you can’t afford to pay your rent, or you are counting the pennies for your grocery shop, it is hard to imagine the part where you have anything left over to be put away. The truth is, saving looks different to everyone, and everyone has different reasons for wanting to save.
Do what you can for yourself and what works with your finances. So, with that in mind, this piece is going to take a look at how you can save money in 2023.
Go Through Your Statements
Going through your statements can be an excellent way to assess what you spend. This is absolutely not to say that you should stop paying for Netflix or stop eating a supermarket’s premium option of pizza – you need to take the little wins in life! However, it is more about asking you to look at what you do not use enough for it to warrant paying for it. This could be a subscription you aren’t enjoying anymore, maybe a beauty box that has stopped being worth the cost, or maybe you are finding you are having more takeaways than you thought.
Unfortunately, it is usually the luxuries that have to go first to help create some money to save, but that does not mean you should forgo them all. The lipstick effect is real, so don’t be hard on yourself; just be a little harder on your direct debits.
Get a Roommate
Being able to afford living alone or on a single income can feel next to impossible at the moment. If you are in a situation where you need to move or you need additional income, then taking on a roommate or moving in with one can help you put a little more money aside. With someone to share the bills with, you will be able to cut down on living expenses and have more money for yourself to save. Head over to roomclub.com to find the right house share for you and get saving.
Stay at Home
Why not revisit the pandemic days where everyone had to entertain themselves with what they had in their 4 walls? While it might not seem like something anyone is in a rush to go back to, doing things at home not only allows you to get the most out of your rent, but it can also inspire you to get creative without breaking the bank. Many people were able to save during the pandemic because of the cutback on travel, no options to eat out or spend money, and had to find other ways to enjoy what they had.
Take some time to learn how to cook your favorite takeaway, ask to work from home a couple of times a week if it is feasible, and start that project at home you have been putting off. All of these can be rewarding in their own way and help you save that little bit extra.
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