Cash Genie encourages responsible borrowing and responsible lending. Before you borrow money, it is always a good idea to assess your other options. With this in mind we have some common-sense, Cash Genie money-saving tips for you! Even if you do need a loan, these are some great ideas to avoid having to get one in the future!
1. Get value for money.
On top of shopping around for the best deals available for what you need, it is easy to overlook the fact that many of us don’t try to complain when we don’t get what we paid for, or when what we paid for is unsatisfactory. Take the time to get value for money, especially if your purchased items came from a big chain store: they would rather keep you satisfied in stead of bickering over these things. And if you don’t do this, you’d be surprised at the amount of money, over time, that you would essentially be giving to these giant companies!
2. Keep track of your finances.
This can be a chore, 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 really spend your money on! This is a great way to identify 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, you can keep a precise record of your outgoings with minimal time and effort.
3. Shop wisely!
When you do your food shopping, it is all too easy to just absent-mindedly drift in to the supermarket and grab 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 effectively. So, instead of going every other day after work, you could be going just once a week. If you have young kids, it could be an idea to go shopping without them! It might sound cruel, but when they see all of those tempting things it can be easy to cave in, whereas if you bring them home a small present, 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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