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Family life can be hectic at the best of times. Every morning you need to whip up some healthy packed lunches for the kids, and weekends are full of whizzy and exciting kid-occupying activities. You are trying your hardest to limit screen time, and all the while you need to keep a close eye on the purse strings. When constructing your household budget, it can be difficult to know how to divide your household income. Do you spend your money purchasing the latest superfoods? Do you concentrate on paying off your credit card debt? Or do you attempt to overpay on your mortgage to own your home outright in a faster time? The possibilities are endless when it comes to splitting your hard earned cash. However, there are some simple ways to ensure that you have even more disposable income in your pocket at the end of every month. Here are 3 Simple Ways You Can Save Money On Your Household Budget
3 Simple Ways You Can Save Money On Your Household Budget
Just because you have been with the same utility provider for the past decade or have had the same phone contract for five years, this doesn’t mean that you will be getting the best deal. You may think that being loyal deserves some payback, but the chances are you will be on the same (if not worse) tariff than new customers. Instead, head online to a comparison website and get searching for the best deals to suit your situation. Hunt for the best car insurance, especially if you have built up some no claims bonus. Consider opting for a smart meter for your gas and electricity. And shop around for the cheapest broadband provider. You may think switching is a lot of hassle, but the monetary savings can make it worthwhile.
Nearly everyone has their favourite supermarket. While you may prefer the freshly baked bread at your current supermarket of choice, or you adore the fish counter, or you can’t get enough of their own brand coleslaw, you could be missing out on some more wallet-friendly deals elsewhere. Try out a new supermarket to test out their produce and see if you save money on your weekly food bill. If the quality matches but you are spending ten pounds less, this soon adds up. It can help top up your savings account or help fund the annual family holiday spending pot.
Look For Freebies
While you might think that taking your brood out on the weekend will always cost a small fortune, you need to consider what may be free and on your doorstep. If you don’t have to travel as far, you’ll be saving money on fuel and transportation. If you can, locate a free gallery, museum or even head to the park for some active family time. You’ll be saving money on an expensive entrance ticket. By thinking outside of the box and looking specifically for free activities to do with the kids, you’ll be saving a small fortune. This doesn’t mean that you can’t head to Harry Potter World. It simply means that you can use your leaner weekends to help fund the trip.
Sticking to a household budget can be tough. However, set up your spreadsheet, keep a check on your expenditure and ensure that you are spending your money wisely.