General Expenditure Savings

Have a Night In

The next time you go to the shops, have a look at the price of alcohol and compare it to the price of the equivalent in a pub / club. Going out once or twice a week soon equates to a significant figure, why not get the friends round and have the drinks there. Everyone will bring their own drinks, everyone could put in for food. You can have a great time for probably a lower cost than the taxi to the club.

If you want to buy your drinks from Asda / Tesco etc, include them in your online shop so that you do not have to pay for delivery. Alternatively Aldi tends to have some good deals on alcohol. Many of us tend to physically go to the store still, even though the cost of fuel to get there often costs more than the delivery cost.

Spend on Cards Rather than Cash

This will only work if you have some degree of self-control. This does not have to be credit cards, although often you can get cash back through using them. Having cash in your wallet / purse gives you the option to spend it. If you have change you are more likely to spend it on unnecessary things. How often have you got a chocolate bar or drink from a vending machine, that you can often get in a multipack for the same cost. Psychologically, if you only have the card as a means of paying, you are much less likely to buy snacks. Buying coffees on a commute to work is another obvious saving. The cost of one beverage would buy you an adequate flask; the savings at £2-£3 per coffee can be astounding.