Do you wish your family had more cash? Maybe you wish you had more money for luxuries like meals out, theme parks, and clothes. Maybe you wish you just didn’t have to worry about money so much. This guide is going to tell you how your family can have more cash than ever before! It may take a few small changes, but you’ll be able to save a substantial amount of money:
Start Doing Free Things With Your Family
Instead of doing expensive things with your family all the time, such as theme parks and expensive holidays, you can do so many fun free things with them. How about visiting some museums that are free and educational? You can also do things like picnics without spending too much, and entertain at home with films, crafts, and snacks. There are so many options whatever the weather and your budget! In the Creston Valley, a few things available for families are a cheese factory tour; museums; Farmer’s Market; Creston Valley Wildlife Management Center; picnics by the river, watch a local hockey game, cheer for baseball team.
Switch Your Bill Providers
There’s no need to be loyal to your bill providers. Prices can creep up, and new customers get the best deals. Switching bill providers isn’t difficult, and could save you a fortune. Sometimes, all you need to do is tell your current bill providers about better deals you’ve found, and they’ll match them. If not, you just have to inform them that you’re swapping and your new company will do all of the work. Make sure you check for better offers at least once a year.
Create A Proper Family Budget
If you don’t have a proper family budget, it’s going to be really difficult for you to know how much you have to spend on certain things. Make sure you take a good look at your finances and allocate an amount for each category, such as food, entertainment, miscellaneous objects, clothes, etc. This way, you’ll manage your money so much better and be able to afford everything you need.
Give Pocket Money
Giving your kids their own pocket money from a young age can teach them so many great lessons about saving and spending. By giving them pocket money, they can save up for treats and things of their own. They can bring their money with them when you go on trips. They can learn how to make great decisions regarding their cash! Of course they shouldn’t pay for everything themselves, but you could potentially save money by encouraging them to save up for their own stuff. You’ll be gifting them with great life lessons too.
Find The Best Savings Accounts
Find the best savings accounts so you can make the most of the money you put aside for a rainy day. In the UK, Cash ISAs aren’t easily accessible, but they have great interest rates and you don’t have to pay tax on them. In Canada, check out what a Tax Free Savings Account will do for you. Make sure your savings accounts have great interest rates!
Always Go Shopping With A List
Never go shopping without a list, whether you’re looking for food or clothes. If you go shopping for food, for example, you’re much more likely to spend more money buying things you don’t need. You can easily get sucked in by the deals and pretty packaging this way. By making a list, you’ll automatically save money and get those shopping lists over with much faster.
Look For Vouchers And Discount Codes
Before you go shopping anywhere, always look for vouchers and discount codes. You can find reliable codes regularly on sites like DontPayFull.com. You can also check out magazines and things for codes you can use. Sometimes, brands will post codes on their social media. You can save a substantial amount of money by getting into the habit of looking for codes before you buy! I use the one on my side bar. It gives coupons and cash back.
Plan Your Meals
Plan your family meals so you know what food to buy at the start of the week. Make sure you take into account how much time you have on certain days. You could even save money by buying some things in bulk and then freezing them for a later date. This is great for families and for couples. I like to purchase meat this way, then repackage and freeze in meal size portions. I can take advantage of the sales that way.
Buy Secondhand Where Possible
Sometimes, buying secondhand makes sense. There may be some things that you draw the line at, but many things won’t make a difference and you’ll still save a lot of money. For example, barely worn clothes, furniture, headphones…the list goes on. Buying second hand will save you a substantial amount of money and you’ll get the same quality of products most of the time.
Up-cycle Your Old Stuff
If you’re bored of your old furniture, it’s so easy to buy some paint and up-cycle it. I tried it with vertical blinds, worked great. This is a great way to give your home more personality too.
Sell Your Old Stuff
Instead of hoarding your old stuff or throwing it in the trash, consider whether you could sell it. Some people will buy baby’s clothes in bulk, for example. There are always people looking for computer parts, furniture, and different bits and bobs. Maybe your community has an online facebook group that swaps or buys/sells items.
Start Growing Your Own Food
Growing your own food might sound difficult, which is why you should probably start off small at first. With your own herb garden and vegetable patch, you could save so much money on your weekly food shop, and you’ll always have fresh veg to make food with or fruit as in our case.
Reuse Your Bags
Reuse your old shopping bags and help the environment, as well as save money. No need to buy anymore bags for life, and you’ll save a tiny amount on your shopping each time you buy. It might seem like a silly amount, but it’ll add up and you’ll finally have a use for those bags in your bag draw!
Become More Eco Friendly At Home
On the subject of becoming more eco-friendly, becoming more eco friendly at home could help you to save lots of money as well as the planet. Turn off your lights and other appliances when not in use. Turn down your heating and put on another layer. Stop running the tap when you don’t need to. It all adds up!
Doing these things will help you to have more cash for the things you really want to do!