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14

May

Top Tips for Saving Money

Its hard to say and generally there is a lot of information on the net generally from fairly dubious sources on the subject of saving money and the various different bank accounts which vary from instant access savings to high interest (never able to actually get your money back) accounts.

Money

My Top Tips are:

  • Don’t spend any money more then you need too.
  • Put that saved money into a savings account.
  • Forget you have done above.
  • Every so often treat yourself to something large, thus making it feel like your ‘poorness’ was worth it.

4 steps which will ensure that saving money, is easy and provides you something to look forward too.

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23

Feb

Fly the Nest?

Big cities pose lots of options for work/careers, lifestyle and other great things. It suprised me given my current residence how many people ‘fly the nest’ and leave for hubs of culture such as London and Birmingham and indeed many of the larger cities in the UK.

When it comes to actually making the move to living in a city far away there are some practicalities which must be address before you can actually ‘fit in’ and enjoy life. Some of these are listed below.

  • Making sure you have some money before you move. This is especially necessary when it comes from say moving from the sleepy West Country to the hustle and financial bustle of say London. When it comes to money the difference in price is incredible and its definitely worth saving almost double what you might in a smaller city as it will be used up quickly.
  • Make sure you can move all of your stuff straight away. There is simply nothing worse than moving away and leaving certain items which are basically essential to your life and perhaps even well being. For example I would feel a bit lost if I didn’t have my guitar at my beck and call. Using an established van rental firm (obviously make sure the vehicle is pretty big!) will make life that one bit better.
  • Simple do not move someone where you have no friends. Nothing is worse then being alone. As people do not notice alone people. Make sure you have someone to show you around and more importantly introduce you to more people. As someone once said to me about London its a ‘city you can walk past someone one day and never see them again.’

Girl Leaving Home

When it comes to making the choice to ‘fly the nest’ its probably more important to think about it then you think…

22

Feb

Some Tips from My Bank Manager




When it comes to saving money its hard really to think of a better thing do. Considering technically we are coming out of a pretty hard hitting recession it got me to thinking about overall personal practice. Most of what I’m about to say was hounded at me by my bank manager last week when I went in to moan that I had no money.

  • When it comes to paying for stuff withdraw cash and use that instead of paying for everything with the omnipresent ‘debit card’. - As I found out recently when I was charged for a purchase which was only ‘debited’ from my account roughly a month after I actually took the products from the store.
  • Make sure you have some kind of savings lined up. Banks will never lend you money when you need it. This is frustrating. Make sure you invest in a savings account and at the very least put something into it on a monthly basis.
  • Keep your spare change in a pot. Luckily this Christmas I was given a lovely electronic money counter for my pennies. Nothing is better then literally watching your savings grow by the day. Unfortunately this comes at a price at the small amount of interest that you will build up in a ‘high interest savings account’

Interesting he also encouraged me to have a look at Money Saving Expert for some added tips seems a slight cop out to me but after flicking through the ‘inspirational’ forum pages it has almost encourged me more then the 14th of March.

Hope my friends is a good thing.

This post was written by me at my other Blog - Interestmeplz