New Year More Money
New Year, New You, More Money? If you want to be more money savvy this new year than the last, follow these simple steps…
Get Bank Savvy
There’s no better time to get bank savvy than the new year!
Do you have the best savings account available to you? A simple switch could make you a bit of extra pocket money! Is your bank offering an ISA (help-to-buy/lifetime/innovative finance/etc.) that could help your current situation?
Are you paying subscription charges for services you are no longer using? The easiest way to check is by signing up to ‘bean’; they check all your ongoing direct debit’s, display how long you’ve been paying them & take care of the cancellation process if you want to cancel!
Do you know what you’re spending? Cleo is a tool that I use to keep a track of my incomings and outgoings – it’s like having a personal accountant that keeps your updates via Facebook messenger.
Want an automatic savings account? I use Plum; they calculate how much I can afford to save each month based on my bills and average spending, it’s super useful if like me you could do with separate savings account to pay for a holiday – they also send me weekly updates on how i’m doing budget-wise.
Let’s start the new year with some quick cash right now! Sign up to the websites/apps below and earn some bonus money today.
Cleo (£5 Cash) – Cleo is a chatbot that helps you manage your money. Through Facebook Messenger you can use Cleo to get updates on your spending habits. Once you’ve set up your “Cleo wallet” you’ll be credited £2.50 – you can withdraw this straight into your bank account.
Monese (£10 Cash) – Monese is the mobile app alternative to a traditional bank. When you first download the app and input code EMMAL738 you’ll get a bonus £10 on your first £50 deposit. You’ll can use this money like a normal debit card or withdraw it straight back into your bank.
Curve (£5 Cash) – Curve allow you to link all of your existing debit and credit cards onto one card (and an easy to use app). You’ll get 1% cashback on purchases at selected retailers for 3 months. If you use promo code J7NOW when signing up you’ll be given £5 credit for free! Read more…
Side Hustles for extra £££’s
There are tones of sites that allow you to make extra £££ by completing simple tasks.
My side hustle page covers various extra income opportunities including, mystery shopping, part-time work, survey sites, freelancing and more!
Break Bad Habits
Do you smoke? With the cost of smoking on the increase, it’s been reported that you could save more than £3,796 a year by packing in smoking! You can get free (professional) support to help you quit with NHS Smokefree.
Do you buy lunch on your work break? Visa reckon that the average worker spends £3.69 on their lunch (adding up to £860 a year!!), taking a few minutes to prepare a packed lunch could save you £££’s – packed lunch tends to be much healthier too!
Do you drink alcohol? The average Brit spends £787 a year on alcoholic drinks! Forget dry-Jan, how about dry-2018?
Coffee/Tea addict? Most Brits are, with the majority of us spending £500 on coffee/tea a year! Think how much you could save if you take your own tea bags/coffee to work instead of buying from the local coffee shop! There are also tons of coffee shops offering discounts if you take your own cup.
Paying for an expensive gym membership? If you’re going regularly and getting your moneys worth – fair enough! But if you’re not using it why do you have it!? There are tons of FREE exercise alternatives to the gym! Bean can help you cancel your gym membership if you’re out of contract, if not get in touch with them and explain your situation!
Have a weekly takeaway? Takeaway isn’t cheap! If you can avoid takeaway& treat yourself to a nice home cooked meal from the supermarket, you’ll save significant £££’s! If you cant help yourself to a takeaway treat, make sure that you’re at least earning cashback on it!
New Year More Cashback
What would you say if I told you that every time you bought something you could be earning money back? WELL YOU CAN! There are various Cashback sites that offer you a % of your purchase back when you buy something from a particular website/brand!
Sign up for a Curve Card, you can use this to get £5 free and more cashback after that when you shop in Tesco, Sainsbury’s & more!
Claim your Freebies
There are so many freebies you can claim from various sites and apps.
- Get FREE food
- Claim FREE alcohol
- Free (or very cheap) fitness apps, tips & plans
Or you could try to win some freebies! I’ve won 27 competitions in 2017 including a free gym membership, a free holiday to Berlin and a £50 Amazon gift card! See all the competitions I won in 2017.
Tweet your New Years Money Resolution to @beemoneysavvy with #NewYearNewMoney & I’ll tweet you back with a money tip that I think would help you achieve it!