If you are urgently searching for some quick and easy ways to save some decent amount of cash this year, then here are a few tips of simple money saving pointers that you might like to consider.
Make Your Own Lunch
Do you eat your lunch in the staff canteenevery day, or buy prepacked sandwiches from the local takeaway shop? How much in total is that costing you each lunchtime? Add it together over the course of aworking week, or even a full year, and the amount is quite significant. Yet compare that to the lower cost of the same meals prepared at home, before work. Maybe the night before throw extra pasta or rice into the pan and take the surplus food to work in a Tupperware container? Cold pasta or rice dishes make a tasty mealtime treat . Or just take the easy, traditional, option and make a few sandwiches and take some fruit.
Meals such as this might even allow a bit more free time over your lunch hour so that you can escape outside for a walk. Add to that the fact that home prepared meals are probably a lot healthier, using a lot less salt etc, then the self prepared food might not only be cheaper, but more healthierat the same time.
Time Your Shopping
And whilst you are out in the shops buying your packed lunch, watch what time you are going to the supermarket. Many will offer food that is about to become out of date at a reduced rate shortly before the end of the day. So if you time your shopping visit carefully for late in the day, you might also be able to pick up some of your usual favouriteitems at a knocked down price.
Review Your Mortgage
How much have you currently got borrowed in your mortgage and with the recent collapse in mortgage interest rates is your mortgage serving you as best it can? Have a quick word with a local mortgage broker who can understand and review your financial circumstances and ask them to compare all mortgage rates for you. Is the current mortgage deal you are on the best and what would it cost to move to something cheaperon the market? It may be cheaper for you to stay put if you have high exit penalty fees, but if there aren’t penalty charges or they aren’t too great, then you might save yourself a tidy sum by movingto another lender. When your mortgage advisor compares mortgage rates for you, they should also be able to tell you how much it will cost to moveto a cheaper mortgage.
That’s just three quick and simple ideas to save you potentially hundreds per year. But if you want to reduce your outgoings in the short term, then you can start saving straight away.
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