Now that summe’s done and dusted, you can start to look forward to the cosier months of the year. Summer can be a difficult time to save money, between holidays, after work beer garden trips and spontaneous Saturday adventures. You’d be forgiven for thinking that winter was an easier time to save some money, but once you factor in Christmas, needing new winter clothes and all the social events that take place at this time of year – those ambitions for saving can soon end up down the drain.
So how can you save money in winter? Take a look at some of these useful tips for saving those winter pennies.
Image Credit: Unsplash under Creative Commons
Set yourself some goals
It’s easier to save some money when you have goals in place. It can help give you something to aim for, and sets a challenge to yourself to manage it. Some larger savings goals could include a house or a car, while a fantastic holiday in the new year can also give you something great to aim for.
Write your goals down somewhere so that you can remind yourself of them – that way, when things get tough you can look at them to motivate yourself to stay on track.
Get a budgeting app
Budgeting apps are fantastic for helping you manage your money better. They can help you to set spending limits for different things like eating out or clothes. Many budgeting apps will squirrel your money away for you smartly as well to help you build up a savings pot based on your habits. Having a smart solution at your fingertips can help overhaul your spending habits completely, helping you adopt better spending behaviour now and in the future too.
Reduce your bills
Finding ways of cutting your bills is a great way to free up some savings. Switching to a cheaper energy supplier, using your car less and reducing your mobile phone contract are all great ways of slashing your outgoings. Haggling with your providers is a great place to start, and could help you save £100s over the course of the year. It’s also useful to take a look at all of your outgoings to see if there’s anything that can be cancelled, like a subscription.
Work out at home
Who honestly likes going to the gym during the winter months? When it’s cold and wet outside, it’s much more tempting to stay at home – so why not work out there? A home workout can be an effective way of keeping fit and getting in shape. The Body Coach TV is the place to go to help you find short, intensive workouts that deliver excellent results.
With less time spent at the gym, you’ll be able to enjoy more time at home and watch the pennies and pounds add up.
Use the heating wisely
It’s easy to switch the heating on at the first sign of a drop in temperature, but is it actually necessary? The classic advice of ‘put a jumper on’ might actually help warm you up. Meanwhile, a hot water bottle is also a great way to get warmer when the chill sets in.
But there’s no need to suffer if you are feeling cold. Put the heating on when you need it to make sure you’re warm and comfortable at home. Getting some panel heaters can be a good way to reduce your heating costs, offering a more affordable and eco-friendly alternative to central heating. Just be cautious when putting the heating on so that you’re not wasting energy unnecessarily.
Enjoy more nights in
People are more likely to go out during the summer months to make the most of the heat and longer days, but the winter months make it much easier to stay in and chill out. There are plenty of great things you can do on your night in alone that will be better than queuing in the cold for a club and spending all of your money on a hangover! Netflix will be your best friend as you look to save money, and you’ll also have an excuse to make some delicious home-cooked comfort foods too.
Use discount codes when you shop
There are some things you’ll need to spend money on over the coming months, like Christmas and new winter clothes, which could easily stop you from saving as much as you’d like to. Fortunately, there are plenty of great ways to save money on your shopping – including using discount codes. There are plenty of places you can find discount codes, including signing up to newsletters and following the social media channels of your favourite shops.
The trick to using discount codes effectively is to filter them into a different folder, and only take a look at it when there’s something specific you need. Receiving regular deals and offers in your inbox can encourage you to spend when you don’t need to, which can soon wreck your savings goals.
Agree to do Christmas for less
There’s no doubt that Christmas is the most expensive thing about the winter season. There are a lot of outgoings to consider such as gifts, Christmas parties, nights out with friends, decorations, etc. So why not agree to do Christmas for less this year?
Instead of buying presents for everyone, you could do a secret Santa so that everyone buys just one gift, and you could shun the usual festive meal out and drinks for a wine and cheese night at home. There are a lot of things you can try to do Christmas differently this year, and who knows what exciting new traditions you might start?
Saving money is never easy, but if you put your mind to it, you can soon hit those targets. Look for ways to make simple savings, and change some of your habits to help you spend less. Think you could make a go of saving more this winter? Start finding ways of getting those savings in place!