We all have reasons we need to use a budget for whether it is to clear debts, save for a holiday, a house deposit or just to build up your rainy day fund. The list is literally endless. For us, I budget to make our everyday lives a little more easier. Mark works full time and I stay at home with the boys. In order for us to continue this I need to budget to make sure all the bills are paid and we have a little left over for rainy days. PlusNet got in touch and wanted to help me plan a budget and share my ideas with everyone!
So here are my top budget tips!
- Write it all down! – All your incomings and outgoings! (including the sneaky coffee, just me then?) Once you know how much is coming and going you can see where you can save.
- Cutting services – We recently cut down our TV, Broadband and Telephone to just broadband. The idea being we would then buy a streaming service (think Netflix!) for the television. Within a month of cancelling we received a call offering a fab deal for less than what we were paying previously. Try not to be scared to leave because you may have to actually go through with it! Another service you can probably reduce is your mobile phone contract. PlusNet offer a fab sim only range of mobile contracts so if you are happy with your handset but want a contract this may be the best way to go. The contracts are all rolling 30 days contracts too so you can cancel whenever you need to (subject to cancellation policies)
- Meal plan – Every week I write what we are having for dinner! I blog about it too here. Writing down what your eating ensures you are making use of the food you already have. Keeping waste and cost down!
- Finding free activities and days out with the kids. If you live in Peterborough I write a lot about activities and things to do with children. If not then the internet and the library are great places to go and find books about places to go and things to do. This book is called “The best things in life are free” and features free things to do and see in the world.
- Something really simple – Saving money in a money box. Think of something you would like to do such as Cinema trips, meal out with family or maybe even a holiday and start saving.
These are just some ways you can help budget and save some money!
I would love to know why you budget and your top tip?
*Disclosure I was sent some items from Plusnet to help me budget better at home in return for this post*