It’s great constantly writing articles and trying to give people advice on how to save, but if that’s something you just can’t do, then why? Most people have parts of their life that they spend too much on, so what’s your Achilles heel? Here are a few things I spend too much on, and the best possible way to avoid it.
I should really start behaving myself when it comes to eating. Not only do I spend way too much on it, I eat some unhealthy crap. Unfortunately though I live within 2 minutes of a McDonalds and a chicken shop (as well as a pub, but we’ll come to that later). If I’ve had a beer or two, there’s no stopping me marching into the takeaway and ordering 3 or 4 pieces of chicken. Even if it’s closed, Just Eat is online and it means you can order food without having to move. It makes dieting very difficult.
It’s not just the takeaways though. At work if I haven’t brought a packed lunch in with me, I’m in the shop at lunch buying crisps, coke and generally unhealthy and expensive rubbish.
I also like eating in restaurants, and probably do this around 6 times a month – way too much for someone who gives people saving advice!
The way around this problem is to buy all your food for the week from a supermarket. Make your packed lunch for work and make sure you never go hungry. If you go to the pub and haven’t eaten much, there’s much more chance of going to the chicken shop afterwards. If you like eating out, fair enough – but try to limit it to once or twice a month.
Very expensive. I spend far too much on my social life and get myself into the worst states. If I’m out, I drink like it’s going out of fashion – but I look far from fashionable. Obviously people like to enjoy themselves, but my group of friends can’t have a night out without spending ridiculous amounts.
If you’re like me and want to change this expensive habit, slow down. You’ll probably enjoy your night more if you can actually walk and talk properly – and imagine a Sunday without a massive hangover. Also, instead of taking £100 out of the cash point, take £30. Try to make it last. Also, try to drink water in between drinks. If you’re in a big group of people, don’t opt in for rounds. Explain that you don’t want to drink much as you’ve got a meeting in the morning – that way you can avoid the mickey taking for being a tight f***er.
Nothing wrong with upgrading your wardrobe every now and again, and the feeling of walking out in your brand new pair of jeans is a great one. If you’re finding yourself short at the end of the month though, maybe you need to tone down your high street adventures.
If you’re spending £200 a month on clothes, try to half it. If you’re spending too much on designer gear, try he high street. One thing I’ve learnt is that sometimes, charity shops have some bargains. I picked up a brand new Ralph Lauren jumper once for around £5!
I absolutely despise getting in taxis. Living in London, there aren’t many places you can’t get to on a bus or train, but impatience leads people to taking a cab everywhere The price of a taxi, especially in the capital, is extortionate. I’d much rather take an extra half hour to get somewhere and save £40.
So that’s it – the 4 things I really need to change in order to start saving more. If you have any more things that you need to cut down spending on, leave us a comment underneath!