MoneyMagpie

Jun 11

The lazy ways to save on everything

Reading Time: 5 minutes

Saving money is important. We all know that. But it also just takes a lot of effort. Lament your penniless future no longer! There are actually pretty much lazy ways to save on everything.

Here are a few simple options to start off with:

 

Set up standing orders for savings

Online banking app on smartphone

Have the best intentions to save a bit every month, but never end up doing it? Sounds like it’s time you set up a standing order to get paid over into your savings account every month.

Although it might be tempting to go all out and set a substantial amount aside to save every month, we suggest starting with a small, manageable amount. You can always increase it at a later stage.

 

Direct debits

Someone using their credit/debit card via a laptop

A great and pretty obvious lazy way to save is to have direct debits for your set monthly expenses. By doing this, you avoid having to pay extra for late fees and/or interest on your late payment.

Setting up direct debits for things like rent, insurance, loan repayments etc can really help streamline your monthly cash flow. It’s also usually as easy as logging into your online banking and doing it yourself. If this makes you feel a little uneasy, you can always head on over to the bank and be guided through the process.

 

Use Look After My Bills

Look After My Bills Website on Laptop

I think we could all agree that trying to figure out whether you’re being ripped off by your gas/electricity service provider is a real drag. However, you might be surprised just how much you can save by switching over to a more affordable option.

The good news is, you don’t need to worry about figuring this out yourself. Look After My Bills is a new service which will switch you to the best deal automatically so you save £250+ every year, are never hit by price rises, and on top of that, it’s completely free.

You can read more about it in this article.

 

Don’t waste your groceries

Woman putting away groceries

Since you’ve actually made the effort to go grocery shopping (and probably spent a good deal on it too), you might as well use what you’ve bought.

A recent report on household food waste in the UK found that a whopping £13bn-worth of perfectly edible food is tossed away in kitchen bins every year. This translates to about £470 per household per year.

That’s quite substantial! Instead of wasting your perfectly good food and hard-earned money, why not just use your groceries? This will also save you on trips to the shop!

 

Learn to say ‘no’

Woman holding arms up in an X sign to signify no

While we’re on the topic of lazy ways to save on everything, let’s quickly talk about saying ‘no, thank you’ to social engagements.

Sure, we want to spend time with friends and family we care about. However, next time your colleagues gather for ‘one drink’ (we all know how that ends) after work, you might want to consider it carefully. Instead of waking up with a headache and regret about all the money you’ve spent, you could enjoy a chilled evening at home and wake up with a clear conscience.

 

Borrow instead of buy

Woman trying on Outfits

Have a once-off fancy function to attend? Nothing to wear? Hate the idea of trying on a gazillion outfits in ghastly fitting rooms?

We know the temptation to buy something pretty online is overwhelming right now, but hear us out. You’ll probably only wear that outfit once and then it will gather dust in your wardrobe. Instead, ask friends and family whether they might have something suitable for you to borrow.

Apart from saving you money, it will also save you loads of shopping effort.

 

Use/sell your gift cards

Gift voucher

Love them or hate them, gift cards are a pretty convenient cop-out for lazy present buyers.

It’s hardly surprising, then, that out of the 47% of Brits who receive gift cards every year, half never get used. This leaves an estimated £300million of gift cards forgotten or wasted every year.

So, next time you receive a gift card, be sure to keep it somewhere close by, so you don’t forget about it. You never know when it might come in handy and save you a nice little sum of money.

If, however, you simply can’t be bothered, why not sell it on Zeek and make some extra cash? This online and mobile gift card marketplace provides a secure and easy environment to sell vouchers and gift cards without the need for a buyer-in-waiting.

Read more about using Zeek.

 

Do your Christmas shopping early

Santa checking list in supermarket

Looking for the lazy way to save on Christmas shopping? Sadly, we haven’t found one that is satisfactorily effortless. However, the one tip we do have is to start really early. In fact, you can start as early as Boxing Day with a lazy scroll through your favourite online stores (avoid real-life ones at all costs!).

There are bound to be great specials shortly after Christmas. It’s also worth keeping an eye out for change-of-season sales. By gathering all your Christmas shopping early, you can enter the festive with prospects of almost perfect chill!

Read more about saving:

WHAT DO YOU THINK?

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Joanne
Joanne

Setting up a standing order for saving seems a very good idea.

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