Tips to help you stay smart with your money this month

Hi Guys! Today’s post is giving tips to help you stay smart with your money this January. Let’s face it, January can be one of the hardest months of the year, aside from the complete loss of Christmas cheer, it can also affect your finances.

This can cause a lot of distress and low moods, to prevent this from happening I have listed some tips to help you to stay smart with your money this month.

Clear out clutter and sell it online

If you are still trying to pay off credit card bills from the Christmas season, try de-cluttering your unwanted things in your house and selling them online, to help with those credit card bills. Online auctions and markets such as eBay are probably the easiest way to get rid of any unwanted items that are just getting in the way.

But there are plenty of others out there for anyone looking to have a proper clear-out. Sure, you could wait for the summer to de-clutter, but why wait when you can do it all from the comfort of your own duvet? And when you could make an extra few bob.




Follow retailers on social networking sites like Twitter

There are some retailers tweet about their latest deals or sales online. Some examples are: Asos, eBay, Debenhams and Amazon.

So, start following these retailers online so that you will be the first to find out when they are doing a sale.


Compare supermarket prices 

For the month of January, it may be worth changing supermarkets. January is a time to be smart with your money. It doesn’t mean you are having financial difficulty when you start budgeting and pulling back, it means you are being smart.

You are thinking ahead and preventing any financial difficulty. Therefore it may be worth shopping in Lidl or Aldi for the month of January, they do brilliant bargains! After you have shopped there, you will find it hard not to go back.




Ditch the credit card this month

For this month, it may be time to give the credit card a break. If you are going somewhere, decide on a budget and stick to it by taking cash, but leaving your card at home.

You can do this by working out what you’ll need so you don’t run out of money and either end up borrowing from friends or going home early.


Be honest

During this time of the year you can guarantee most, if not all, of your friends will also be short of cash. So, be upfront with your friends, if they suggest something too expensive or a sudden change of plan, such as going out for a meal when you’d budgeted for a few drinks. You can tell them that money is tight this month. I guarantee you won’t be the only one in your circle friends.




No splitting of the bill

If you are going for a meal, try not to split the bill for this month. Instead have everyone pay for what they’ve ordered. That way you can avoid subsidising someone who chooses something from the a la carte menu when you’ve opted for a set meal.


No when to stop in the January sales

After you have bought everything you’ve needed, stop! Remember it’s only a bargain if you need it. So, make a list of everything you need and stick to that list.




Cancel a subscription

If you really need to cut back, an easy way to do that is by cancelling a subscription. Look at some of your subscriptions and determine which one you can live without for this month.

For example, a movie/sport subscription, gym membership, magazine subscriptions or a Netflix/Amazon Prime subscription that you can cut and share with a friend or family member.

With Netflix’s membership you can have a total of 6 devices registered to your account at any given time, and you may stream up to 2 movies or TV shows at the same time.

There is also an option to upgrade to 4 streams at the same time from the Your Account page. But this may not be needed, as the chances of having 3 of you streaming different movies or TV shows at the same time are low.



Niamh-Psychotherapist xx

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