With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

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Here are some tips to help you save and accumulate more money.

1 Pay yourself and save first, spend what’s left

2 Avoid credit
card debt interest

3 Track your
income and expenditure

‘T’ for ‘track’ is
included in my programme, Master
Your Money the S.M.A.R.T
Way training. Check it out for free - https://bit.ly/3isugCr.

4 Start saving
and investing

Check out www.gov.uk/individual-savings-accounts for
more information. Check for the best cash ISA rates at Moneyfacts.
Shop around and be prepared to move your money to obtain the best rates.

5 Emergency or contingency funds

6 Loyalty doesn’t always pay - switch
suppliers

Check your latest utility statements and
check out comparison sites, such as uswitch or moneysupermarket.

7 Reduce your
car insurance

8 Review your mortgage

‘R’ for ‘review’ is
part of my programme, Master
Your Money the S.M.A.R.T
Way training. Check it out - https://bit.ly/3isugCr.

9 Check your tax code to pay less to
HMRC

10 Look for old
bank accounts and pension policies

11 Check for any
entitlements to benefits.

12 Reduce
your grocery bill

13 Avoid wasting food

14 Explore local
charities for help – there is an abundance of food given away by supermarkets

15 Check your workplace or private pension

16 Check your
state pension and NI contributions level

17 Use loyalty
cards, price match and vouchers and deal
finders

Try hacks
like VoucherCodes ‘DealFinder’ as
a plug-in on Chrome to be alerted to the best deals while buying online.

There are hundreds
of money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can get
paid to walk and exchange your steps for store discounts and
freebies.

18 Cut energy bills

Check out the Energy
Saving Trust for some great energy and money saving
hacks.

19 Sell unwanted stuff on
resale platforms

You can turn
unwanted clothes into cash using
resale platforms such as Depop, Vinted and eBay.

20 Mindset – avoid emotional spending
and blowing your salary on payday

In my programmes and YouTube
Money Tips Podcast videos I talk about money mindset. A recent survey
by Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half their
spare monthly wages within 48 hours of payday!

21 Plan, organise and forecast

The key is in planning and organising your
expenditure, work, goals, relationships and life! As in the first tip, prioritise
essential expenditure and your savings pot, before spending.

Finally, searching for the best deals,
tracking and reviewing your finances and being mindful of spending money on
things to don’t really need will not only help you get through the current
crises but help you form lifelong habits that will enable to build wealth.

For more ideas and
tips, see out my new training to help you get control of your finances in 28 days!

Click to join: https://bit.ly/3isugCr

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