budget-flat

LETS TALK ABOUT // BUDGETING

We all know how tough it can be when it comes to money after Christmas. A month of parties, train tickets and buying gifts… it all adds up!

I am often told how good I am at working with a budget so I thought I would share my top tips with you all… After spending 4 years as a student, I soon figured out how to make a little bit of money go a long way!

PLAN!! 

I can’t emphasise this one enough!! They key to budgeting is to plan! I am a lover of a whiteboard and pens, they are so useful! It really helps to see all your income and bills on the same board. On the left I have all my bills (rent, council tax, internet, phone, electricity, bus, gym etc) and then on the right I have a months worth of paydays (I get paid weekly right now!). That way it is clear what is going out and coming in each month and then whats left over for the fun stuff!

 

COOK MORE! 

This is such a money saver! I love going out for meals with friends, but it all adds up! Cooking can be such a pain sometimes, but why not have a look online or in some cookbooks you have lying about for some new inspiration? I am loving the Lean In 15 books right now, so many good and healthy recipes! Another top tip here is batch cooking! I save so much money by cooking bigger meals and then freezing the leftovers in portion tubs. It also means on lazy days I can just pull something out of the freezer rather than phoning a take away…

 

DO IT YOURSELF! 

I am a rather girly girl and love having my hair and nails done, but that can get so expensive!! So why not do it yourself? I would advise being careful when it comes to dying your own hair drastically different colours (trust me, it doesn’t end well!!!) but it can be really simple and a huge money saver! I have been loving Barry M nail polish recently, and most of their shades are around £2.99 from Superdrug, so what’s not to love??

 

DRINK AT HOME! 

Now, I’m not saying just sit at home and drink on your own! What I mean is instead of going out to the pub with friends, why not have a night in with them? It is so much cheaper to buy a bottle of Gin/Wine/Vodka than to go out and buy a few drinks. Plus, you don’t have to wait at the bar for ages and you can have proper time with your friends, watching movies or listening to music you actually like!

 

GET A LIBRARY CARD! 

This might just be the best thing I have done in a while! I am a huge book worm and was spending so much money on new books so I ended up getting a library card. It is so good to have access to hundreds of books for free! Obviously check with your local library, but here in Edinburgh you can create an online account, search the database for books you want and then reserve them and they will even send them over to your closest library! So handy to just go pick up a few at a time without spending hours going through all the books they have!

 

I hope these tips are useful and help you out when it comes to making your money go further!

Let me know what you do to budget, do you have any top tips?

 

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