Having Trouble Saving?

yarra valley real estateThroughout Christmas we know many families are madly trying to save enough money to finance all that the silly season offers. Over the summer months you’ll be faced with countless new expenses, including Christmas shopping, lunches, parties, taxi fares to and from the parties and maybe even a new outfit or two.

We want you to be able to spend your  money on the fun things the season has to offer – so we’ve put together these tips to help make you be more spend-savvy in other areas:

  • Start by making your work lunches or taking leftovers from dinner the night before, rather than buying sandwiches and coffee from the cafe each day.
  • Start watching petrol prices. Instead of driving around while the light is on and waiting until the needle flops down to empty before filling up each week, fill your tank when the price is right.
  • Use a shopping list, and don’t deviate. If you’re anything like us, you can begin your shopping trip needing a bit of milk and bread, and walk out with a trolley full of groceries, stationary, magazines and chocolate bars. Spontaneous purchases are the enemy of the budgeter. Before shopping, make a list of the essentials and don’t let yourself buy anything not on the list.
  • Make use of off-peak rates. Whether it’s electricity, water, phone or gym membership you’re talking about, many of our monthly bills reveal a difference in costs for peak and off-peak usage. Try to take advantage as much as possible. If you’re able to head to the gym during your lunch breaks rather than after work, an off-peak membership will often cost less. Consider running your dishwasher in the evening, making any non-urgent call during off-peak hours and even travelling in your car outside of peak traffic times when you’re likely to be on the road for less time (using less petrol!). It wont always be possible, but if you’re at least thinking about it, you’re likely to start saving a little cash.
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