6 ways to Stop Wasting Money

Do you find yourself looking down into an empty wallet whilst trying to pay for groceries wondering how could you have run out of money for the week…again?? Well then you’re in luck because today I’m going to give you a few ideas on how you can stop wasting money so you have the cash there for the important things!  and hey you could even end up never having to look at an empty purse ever again! So let’s begin! 

  1. Set Goals: Get out a good ole fashioned notebook and pen and jot down financial goals you have for yourself. Saving for a new car? Saving up for an emergency fund? Once you have clear goals set in place and a system in order to reach those goals I.e. Saving €20 a week for 4months then all of a sudden you understand the worth of €20. Instead of paying for a dominoes mega deal with cookies (lush btw) you could buy a cheaper frozen pizza and that’s your €20 saved for that week.
  2. Meal Plan: Yes I’m at it again. Meal planning is by far thee most dramatic change you’ll see in your spending if you put it into practice. Forever I had loaves of bread go out of date, that I hadn’t even opened yet. I’ve found the best way to not let food go mouldy is simply planning ahead and knowing that you WILL use it. If you know your menu for the week ahead then you don’t even have to think about what you need to buy at the shops, you have a specific list on hand and that will help you avoid buying food that ultimately you don’t need and will end up being wasted.
  3. Ice Ice Baby: In addition to meal planning, I also like to plan how much I am going to cook. Sometimes if I’m going to be making a stew or soup or anything I know can be easily frozen I’ll purposefully buy enough so I can eat half and freeze the other half of the meal. It means next week I have one less day to worry about! My next big spend will hopefully be on a bigger freezer, that way I can try going pro with freezer meals (there are some amazing Pinterest posts on learning how to cook in bulk and live off freezer meals for up to whole a month!).
  4. Cable TV: Now this one would be a lot easier for me to commit to if Impractical Jokers wasn’t on TV (It’s a monday night tradition). Other than that I could very easily give up cable TV, and eventually one of these days I’ll convince my husband. There are other great alternatives out there like Netflix (I literally watched the whole of season 6 PLL in two days, I’m a real binge watcher). You could be saving up to €1000 a year depending how much you pay for your cable monthly and also you’ll be watching less TV and focussing on using your time doing something probably more productive so it’s a win win!
  5. Gym Memberships: Now this really depends on personal situation. If you use the gym like more than twice a week then yes a gym probably is worth the money you’re paying for it. If you go once a week or more like once a month, is spending up to nearly €100 a month really worth it? Well the answer is no, it isn’t worth it. You don’t need fancy tech machines to be able to exercise, and if you’re only going once a week you’re probably not even really making the most of the expensive heavy weight machines. Buy a bicycle instead, or go jogging, walk up mountains, walk the dog, do home yoga with YouTube videos. It’s easy to exercise without a gym, in fact it’s very easy. So if you’re wasting money on a gym membership, go cancel it…like now…I wasted €90 for two months gym membership (I went once….and that was the day I signed up #neveragain).
  6. Haircuts: Now I know hairdressers need to make a living but seriously €50 to give me a trim? eh no. Hairdressing is a skill and I’m not saying don’t get your hair cut, all I’m saying is that if you get your hair cut like every three months like you’re apparently supposed to then that money really adds up fast. So why not use groupon to find half price haircuts or there’s always students who need to practice and may even be doing them for free. In between cuts try to keep your hair healthy and condition the ends well to avoid really bad split ends, you could see your amount of visits to the hairdressers decreasing by just doing some basic good hair care.

Now there’s 6 simple ways to cut back on wasted money! But by far the best way to stop wasting money is by tracking it. Learn where all your money is going to! A tenner here and there really adds up so take control and make the most of what you have. If you want to be at peace with your income you have to learn how to live within your means and be content with that! 

Hopefully these tips have given you a few ideas to think about and also all you budgeting enthusiasts if you want to hear more tips and tricks that I’ve learnt along the way then you can Subscribe Here! You’ll be updated when a new blog post is out so you’ll be the first to take a sneak peak and also a few more surprises will be coming along you way for you special dedicated followers! 

Happy Budgeting! 

  

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5 Blogging tips for beginners

Blogging and going nowhere sucks, right? Of course it does! You put in all this hard work and still you aren’t getting noticed. Well maybe it’s time to change the strategy a bit. Here’s just a few tips on blogging from what I’ve learnt so far.

  1. Are you Blogging for money? Let’s get this one out of the way, YES there are Bloggers out there who make a full time income Blogging. Did this happen because they began their Blog purely to make money? 99% of the time: No. Those Bloggers who are able to share their $12,000 income report more than likely began years ago, built up followers along the way and THEN began to focus on the money making side of things. Another point to note is that most Bloggers making money from Blogging do so because they create products or provide services that can help other bloggers or help those people in their target audience. Providing these kind of products is what makes most of the money, not from getting paid from adverts, which only really works if you have a HUGE audience! Most bloggers actually care about what they are selling online, its not a ‘Get Rich Quick’ Scheme, a lot of time and effort goes into blogging, as I’m sure you’re aware of. Do you post because you want to make money? or because you’re passionate about something and have meaningful and relevant content to discuss? Hopefully it’s the latter, but if you’re finding it tough to think of posts that will actually make your blog more relevant then try thinking about your audience. What lessons are you trying to teach people? What have YOU got that can help others? What lessons have you learnt in your life that you can share with others? If your primary goal is to help others in some way then that’s where success starts. 
  2. Believe in your talent. Of course a lot of us feel like we need the approval of others to feel like we are successful. To a degree yes that’s correct, your success as a blogger is if people actually read your posts. But don’t just think of it as numbers, if 10 people view a post, heck that’s an actual 10 people who you’ve reached out to! If you’ve reached 1,000 or even 10,000 just remember those are all individuals who appreciated your blog and your hard work. You don’t need confirmation to be able to write about your life lessons or the tips and tricks you’ve picked up along the way. If you keep a blog personal then you’re always going to be able to offer fresh useful content.
  3. Great content doesn’t equal great stats. I know, what’s the point with all the hard work then? Well don’t get discouraged just yet. If you’re pouring your heart and soul into the most beautifully crafted blog posts and yet once again you’ve have next to no shares, comments, heck even views… don’t panic, that doesn’t mean your blog sucks. Great content + Great Promoting = Great Stats. I’ve read before that your blog post should take 30% of the time and the other 70% should be promoting it. My schedule is only one post a week, meaning I have the rest of the week to create my new blog post and promote the previous one, meaning that a lot more promoting and networking happens than actual blog post creating. Go crazy, try Instagram, Pinterest, Facebook, Twitter etc. There’s loads of social media sites to share your blog to and make the most of it! If you are doing reviews (and it’s a positive one) send it to the people who you’re reviewing. Everybody loves free advertising, they could share your review so they get a boost in sales while you could get a good boost in your post! Don’t get too overwhelmed by trying to share your post everywhere, it’s a lot of hard work, trust me I know! But you’ll get the hang of when and where to post and soon enough it’ll be like second nature. If you’ve found a platform that particularly works for you then dig deep! Master it as best you can and only use other social media sites as a side project. Focussing your effort on one platform can yield a lot more results than being pulled in 12 different social media directions trying to keep a half hearted presence on all of them all the time.
  4. Good images are a must. Everything is about aesthetics these days. If something looks good, it must be good. Why write a spectacular post and then have no pictures to draw the eye in, or why upload a grainy image that is as aesthetically pleasing as a radiator? People love to see things that appeal to them. If you haven’t got a great camera and are trying to use your phone for the most part of your images then all hope is not lost. A good picture needs to be in focus, good lighting and obviously good subject matter (what you’re actually taking a picture of). So if you’re using your phone camera then at least wait until the lighting is good (natural light, please) and be sure to focus the image properly. After that, it’s hard to go wrong. Want more tips on creating your own professional blog images (cheaply)? Then click here! Plus receive a whole bunch of Free Stock Images created by yours truly!
  5. Be true to yourself. So if you start hitting it big and companies want you to promote their products for money. What do you do? Jump at every opportunity? But what if it’s a product you don’t like or doesn’t even work very well? Obviously we all need money but is it worth possibly losing the respect of some of your followers because you blindly support a product that you have no faith in? People get tired of sponsored posts that are bottom line desperate. If you do get offers to promote a brand or product make sure it’s one you can honestly stand behind and support. Stay true to yourself and your values and stay in line with what fits in with the brand you’ve built up for yourself. Your brand is essentially your online presence, Don’t damage it!

So there you are 5 Top Tips for Blogging Beginners! But What if you can’t think of anything to blog about? Help is at hand! Yes, there are loads and loads of blogs out there so it can be hard to keep your posts new and exciting, but now there are even blog posts about what to blog about! If you’re stuck for ideas, here’s two links to some great blogs with very helpful prompts to get your blogging on a roll! A girl obsessed- 50 Blog Ideas + Prompts and The College Prepster- 50 Ideas for Blog Posts.

Now this is only 5 blogging tips, and of course there are countless more! Just keep doing what your doing, every blog success story is different, so go and make yours!

Let me know some of your blogging tips in the comments below! You can also check out 5 Blogging Mistakes you could be making!

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4 Things to do at the Start of EVERY Month!

1460886981634-1So it’s 2016, big whoop, ‘New Year, New Me’ drama. I can change my life around any day of the year anyways. Oh hang on a minute we’re already a quarter way through the year? Isn’t it like still January? Well apparently not.

That’s how the start of this year basically went for me and to be honest how most years begin for me. One minute you’re getting confused over 2015 and 2016, and the next minute your confused as to why you’re writing April instead of January. Time flies and it’s not necessarily because we’re having fun. Time is one of our biggest resources, forget money or possessions. What we do with our time is the hands down biggest factor in our lives. That’s why I’m not going to let the year run by me. Every month counts, heck, every day counts and that’s why I’m taking charge. Starting with being aware of every month, and making the most of it. That’s why I have this helpful list of 4 things to do each month to make the month easier, more enjoyful and more meaningful.

  1. Budget. What’s the point in trying to be stress free and more mindful for a month if you’re still worried about paying bills? Sit down and go over your budget, and for those who are still too scared to make one here’s a Link to were you can find help to make your first budget! The key is review your budget at the start of every month. Make sure things are on track and all the bills are getting paid (and that your savings is building up too of course). Once you’ve reviewed it, forget about it. Don’t let the constant worry of money and where it’s going keep you down. Chin up from that calculator and go look at a tree or something super melodramatic.
  2. Deep cleaning time! Clutter free = stress free. Clutter is my biggest fear. Okay spiders are, or wrists (long story) but that’s not the point. Clutter makes our lives look messy, and when our homes are messy we get distracted waaaayy too easily. Spending time at the start of the month giving our homes, cars, desks, you name it, a good clear out can make the rest of your month so much easier. And by deep cleaning, I mean the fridge, oven, pantry, drawers, wardrobes and all those places that just gather mess, not just the dirty dishes from last night.
  3. Set a new goal at the start of each month. Now this is were your month can become a lot more interesting and enjoyable. If you have a new goal each month, imagine the sense of achievment you’ll have. There’s plenty of goals you could choose from; You could aim for beginning a new exercise regime; try saving 1000 bucks(Here’s how you can save 1000 bucks here!); drinking more water; reading a book; or you can go totally mad like my husband and I because we’d tried going Meat free for a month! (See how we went veggie here!) Whatever it is you choose, make the most of it for each month and in a years time look back and see just how far you’ve come. Imagine 12 big accomplishments in a year!
  4. Me time. At the start of every month, check your calendar, fill in those important dates and make sure your up to date with everything. Next though, schedule in some ‘me-time’ or a ‘do nothing’ day or a ‘stop day’. Ideally you want to have one day a week where you can just relax, whether that’s going for a stroll, watching Netflix all day or just simply slowing everything down. Nowadays we’re constantly bringing stress into our lives and just even the idea of having a day planned where we can just rest is immediately reassuring. If you’re worrying that you’re not going to get every thing done then rest assured cause those who do set aside resting time have increased productivity and are more proud of their accomplishments, so more time spent on a job doesn’t mean better results. So rest up, you can only do you’re best work when you’re at your best!

Are you all set to make the most of your time? What goal are you going to set for this month? What do you like to do in your ‘me time’? Let me know below!

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