Cash Genie encourages responsible borrowing and responsible lending. Before you borrow money, it is always a reasonable idea to evaluate your other options. With this in mind we have some common-sense, Cash Genie money-saving suggestions for you! Even if you do need a loan, these are some nice ideas to get around having to get one in the future!
1. Get value for money.
As well as shopping around for the best deals available for what you need, it is easy to ignore the fact that many of us don’t make the effort to complain when we don’t get what we paid for, or when what we paid for is not good enough. Take the time to get what you paid for, especially if your purchased items came from a big chain store: they would rather keep you satisfied in stead of squabbling over these things. And if you don’t do this, you’d be surprised at the amount of money, over time, that you would actually be giving to these giant companies!
2. Keep track of your finances.
This can be a nuisance, but, if you take the time to keep track of everything you spend (for a trial period at least), you might be surprised at what you truly spend your money on! This is a great way to recognise your own personal spending patterns and it will give you ideas on how to cut down on unnecessary costs. Use a computer to do this; with a spreadsheet, it is easy to keep a precise record of your expenditure with minimal time and effort.
3. Shop wisely!
When you do your food shopping, it is all too easy to just absent-mindedly float in to the supermarket and buy whatever seems appealing at the time. If, however, you plan ahead and make a shopping list, not only do you know how much you can expect to spend (thus avoiding any unpleasant surprises!) but you will also be able to shop more accurately. So, instead of going every other day after work, you could be going just once a week. If you have young kids, it might be an idea to go shopping without them! It might sound stingy, but when they see all of those tempting snacks it can be easy to cave in, whereas if you bring them home a small surprise, you will save money and they will probably appreciate it even more!
There you have it. Follow these Cash Genie tips and you will notice the savings!
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