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How to : adult
Tips and tricks to handle your finances
One requirement of being a grown-up is having the ability to feed yourself and not spend all your money just on food . We ’ ve all been there though - eating stale bread whilst crying when seeing our bank balance . Believe it or not there ’ s a way to prevent that from happening again , just take a look at these few tips on how to put an end to the massive overdraft at the end of each month .
Make shopping lists . It may seem a bit unnecessary but if you think about it , it ’ s really smart ! Before going grocery shopping look through your kitchen cupboards , fridge and the freezer and write down stuff you need to buy . When you get to the shops , stick to your shopping list and you won ’ t impulse-buy . Also , a golden rule , NEVER go food shopping when hungry ! It ’ ll just make you buy stuff you crave at the moment .
1 saved me a couple of £££ is too high .
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Check supermarkets ’ websites or even download their apps . Although you might not necessarily be ordering groceries online , you have an overview of all the offers they have at the moment , therefore you can plan your shopping in advance . Also you can compare what stuff is on offer elsewhere , so you can shop different things in different stores ( if they ’ re all close to you )
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When making plans for grocery shopping plan your meals ahead of time so that you buy all the ingredients required and nothing else . I ’ m referring to all those vegetables and cheese gone off .
Get your frequent customer card . All the times you ’ ve heard stuff like “ have you
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got your ( blank ) card ?” from the check-out lady could ’ ve come in handy . It might seem like another useless piece of plastic in your wallet but if you ’ re a regular somewhere all the points add-up and eventually you get discounts and / or vouchers . Plus it doesn ’ t cost you anything , you just sign up online or in the store .
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Shop the supermarket ’ s own-brand stuff . It ’ s a rule that own-branded food is a fraction of the price of normal branded food and usually serves the same purpose , although always check the ingredients first though and shop smart !
Difference between Ambrosia custard and Tesco Everyday
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Value custard – Tesco ’ s own is just water and milk
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Ask yourself “ do I really need that ?”. The amount of times rethinking my purchases has
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Now , designer brands might not be employing cheap workforce , but if you ’ re on a budget you can ’ t really buy £ 200 jumpers , can you ? If you overlook the ethical issues and stigmas associated with Primark , H & M etc . they make some very wearable clothes for reasonable prices !
Earn some extra money by selling stuff that ’ s just taking place in your closet , that you don ’ t need anymore . One man ’ s junk is another man ’ s treasure .
Nights out can be quite expensive especially when all your friends are out and drunk you is so eager to buy everyone a couple of rounds of drinks ( hey , we ’ ve all been there ). The cheapest thing to do is to 9not drink at all and stay in bed , but let ’ s not be naive , shall we ? Many of you have probably already discovered this style of a night out but I thought I ’ d still include it here . Pre-drinks . Not only it ’ s a great way of socializing , it ’ s actually a really smart way to drink . You buy yourself a bottle in Tesco ’ s and it ’ s still cheaper than a couple of shots of the same drink in a club . Also keep an eye out for cheaper entries for students , so don ’ t forget your student ID !
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Instead of getting the bus to uni every time why not wake up earlier and walk or cycle ? You can get some cheap second-hand bikes online and some cities even do free memberships for their university students on nextbike . co . uk . Yes , those are the
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