Tag Archives: cut costs

How to start an emergency fund

posted by in Budgeting 2 Comments

So you’ve made the usual New Year’s resolutions. You’ve resolved to go on a diet, take more exercise, take up a new hobby and stop drinking.

There’s a lot of pressure that comes along with keeping a resolution. One minor slip-up, and it can feel like it’s all come crashing down and there’s no point in persevering with it. There is, however, one resolution that you should make and keep this year: start an emergency fund.

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The Tuesday choice: 10 money saving blogs we love

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Fill your piggy bank! (thanks to o5com)

Have you got the budgeting blues? With all the news of record levels of consumer debt, government cuts, and a new age of austerity, it’s easy to get downhearted. But getting the most out of your money doesn’t have to be a drag.

We’ve picked a few of the best money saving blogs to help cut your costs and keep you smiling…

Money Magpie
It’s true – we’re happier when we’re saving! Research published by Freeview shows that more of us (11%) are happier when we’re saving compared to just 4% who prefer spending. Jasmine Birtles writes one of several blogs on the Money Magpie website. A mine of useful information, you can find money saving tips on everything from food to finance and fashion.

This is Money
Are you constantly frustrated by people who forget to switch off the lights at home? This blog tells you exactly how much money is wasted when the lights are left on. A great resource for the budget conscious, this website has lots of tips to help you save money as well as information on the best deals to help you cut your household bills.

Budget Mummy
“I think that because I’m running around at a frantic pace all the time, that sometimes my brain and my body just close down in protest.” Does this sound like you? Well, thank heavens you’re not the only one. Budget Mummy is a modern woman trying to juggle a husband and kids while managing on a tight budget. A diary-style blog, it’s witty and entertaining and there are plenty of tips that will help you save money.

Pretty Much Penniless
She’s nothing less than a a thrifty ‘fashionista’. Proving that you don’t need to be rich to look sensational, this 24-year-old knows how to make her money stretch… and stretch. From cup-cakes to gemstone jewellery, this girl knows a thing or two. If you need some inspiration you have come to the right place.

OPH Good Housekeeping (update 28/02/12: website no longer available)
Always check your tyre pressures – if you drive with under-inflated tyres, you’ll deflate your wallet too. Mother and son team, Steph and Nick, have come up with a comprehensive guide to saving money. There are frugal recipes and cleaning secrets such as shining shoes with banana peel and using toothpaste to remove crayon marks from painted walls.

Beyond Baked Beans (update 19/12/12: website no longer available)
A must for students. Is your son or daughter a stranger to the kitchen? Then why not direct them to this site. Don’t worry if they can’t even make a decent cup of tea – there are instructions for that too. There is plenty of helpful advice on how to shop for healthy food on a budget. This blog is useful for families as well and the recipes will get your taste buds tingling.

Cheaper Holidays (update 14/2/14: website no longer available)
If your plans fall through and you can’t take that flight after all, then claim back the passenger fuel duty. Some airlines make refunding the tax less than plain sailing but this site has the lowdown on how to do it. Lots of cheap holiday deals and up-to-the-minute travel advice make this a good resource for the money-conscious traveller.

Consumer website Which? offers a wealth of advice on saving money on energy bills while helping the environment at the same time. If you think you’re paying too much for gas and electricity you can compare energy prices and tariffs from the various providers. You can also find out if you’re entitled to an energy grant and get tips on insulation and energy-saving devices, as well as advice on how to manage your gas and electricity bills without breaking the bank or getting disconnected.

Of course, the best way to save money is not to spend it in the first place. Freecycle is an online community whose users recycle their unwanted belongings. If there’s something you need then you can either respond to an ad or post a request. It will save you money and you’ll be doing your bit for the environment. And when you no longer have use for something, you’ll be able to give it back. Simple and convenient.

Go Self Sufficient
There is no need to spend money on cough medicine when honey and dandelions will do the trick. Save money and have fun making your own beer. Whether you want to go self sufficient or just make the most of what’s around you, then look no further – from advice about allotments to wild food foraging, this site has it all.