Traveling around the world and using public Wi-Fi could seem harmless. Unfortunately, it’s not always the case. Having a VPN when you travel gives you more freedom when you surf the web and, it also protects your data at the same time. Many video streaming services, and even financial institutions, won't allow logging in from unknown or public IP addresses from different countries. Using a VPN allows this and keeps all your stored logins safe! We've been utilizing Proton for our email (automatically encrypted) and our VPN service, and they have a free version or a Pro version that is very affordable! If interested in checking them out follow our link! https://go.getproton.me/aff_c?offer_id=26&aff_id=2949 #nomadfreedom #nomad #globalnomadinvesting #travel #protonmail #budgeting #travelgram #save #traveling #stayprotected #protonvpn #proton #staysafe #safebrowsing #travelhacks #travelhack #savemoneytoday #web3.0 #nomadtravel #nomadfamily #nomadworldwide
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5 simple ways to save money each month!
This is the ideal month to take back control of your finances and get on top of your spending - here I'll tell you all about the 5 ways I have used to save money this month and how much I expect in savings from each one.
Getting the basics right
First things first, get to know what fixed expenses you have monthly, if you want to save money each month, you need the knowledge!
I made a note next to each expense, so I would know when renewal was due, this way you can keep track of renewal dates and look for better deals at your own pace. Have a look at this article where I talk about getting organised. This Emergency Contact Card is brilliant to keep all your providers in a handy list.
Ok, now you have all the knowledge needed to look for great savings! Now for my top 5 savings.
The juicy bits
Swap branded products for supermarket own brands
I'm really lucky as I have both an Aldi and a Lidl really close to my home but if you are not as lucky, you can still make some savings just by swapping a few products and creating some new habits. I, for example, have swapped toothbrushes, all dishwasher products, toilet paper, kitchen towels, pasta, rice, most meat, fish, cereals, bread, fruit, and veg. You can be as strict as you want. I have recently found that Morrisons have a huge own brand range and have ordered online for a big shop with them. My dog, Maki loves their Meaty Feast Loaf cans and at £5.00 for 12 they are a bargain! Expected savings of £40.00 to £80.00 per month depending on how many products you swap.
Plan ahead all your meals for the week
I set aside one hour on Fridays and look both in the freezer and pantry before deciding on a meal plan for the week. I use what I already have, as much as possible, and shop for the remaining items only. Expected savings of £40.00 a month.
Know when your local supermarkets have discount times
I do most of my shopping at Aldi. It's the closest to me (really a two-minute walk) and as I go there often, now I know when I'm most likely to find discounted items. For example, last year, at Christmas, I got an organic Turkey for 10 people for £15.00 and this year I went back at the same time, on the 24th December and got all my shopping at 50% the original price. Today, for example, they had their minced meat at 50% so I got 3 packs and froze them all, this will keep for a couple of weeks in the freezer and I can use it when I'm planning my meals.
Get to know your local markets and car boot sales
There are great bargains to be found at local markets and if you want to make some money on the side, car boot sales are an excellent option for additional income! I once bought a Hermes purse at a car boot sale for £1.00. I then sold it on eBay for £130.00 two days later :-) After that, I went back looking for those purses and was able to find another two that sold for around £90.00 each.
I buy most of my kids' clothes and toys from markets and boot sales. Kids grow fast and clothes don't get to be worn for several seasons, so this is a great way to find quality clothes at great prices making you huge savings. Even better, once you are done with those items, sell them on eBay or Marketplace and in most cases, I can guaranty, you will make a good profit!
Shop around for good deals on your utilities and insurance
If you are anything like me, shopping around for better deals on your utilities it's a task always left for last! Its endless forms to fill in, question after and in the end, you might be stuck with what looks like a good deal with a price hike two months later...
I was with two TV providers for years, would call them each year to negotiate a new deal and without fail, two months later I would get a price hike letter. The same happened with my energy provider. Earlier this year, I got so tired, I cancelled all my services and bought an Amazon Fire Stick for my TVs (you can get them directly from Amazon or from eBay for £20.00) this was the best move I have ever made!
I also cancelled my TV license and never looked back! Expected savings per month, well TV license fee was £12.00 plus £20.00 for the TV package I had - that is £30.00. Now read below for a really great deal I got for my home phone, broadband, gas, and electricity. I'm also giving you a tip on how to get an even bigger discount!
A hidden gem
Talking about utilities is never going to be the most exciting conversation, but let me tell you a little secret... You can still make good savings by shopping around. There are plenty of comparison websites you can use to compare prices! Don't forget that there are other companies that do not advertise on those sites and often, because of those savings, they are able to offer really good deals.
I have recently moved all my utilities to the same provider. I'm now saving £45.00 a month. But that is not all, because I moved all my utilities and also took a £10.00 mobile SIM card (that I then gave to my son), I qualified for an additional 10% discount on Gas and Free energy-saving LED lightbulbs. They scheduled an appointment with me, came to my house and replaced all my lightbulbs for new ones all free of charge. They will also replace any that stop working, I just need to call. That is over £300.00 savings on the bulbs alone and an additional £45.00 a month.
Comment here on any deals you were able to get, let's see who gets the biggest savings!
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8 Habits to Save Money- @SandhuValueInvesting 8. Do not take DEBIT. 7. Maintain accounts of your expenses. 6. Leave bad habits. 5. Maintain proper records (Medical, insurance, warranty cards, bank records, ID cards, ESI/PF, Income tax records, bills etc.) 4. Save & Invest (Fixed Deposits, Gold/Silver, Mutual Funds, Stocks, NFT, Cryptocurrency, Property etc.) 3. Buy in Bulk. 2. Save your health. 1. Never stop learning... if you like this post... LIKE SHARE COMMENT. https://sandhuvalueinvesting.blogspot.com/2021/12/8-habits-to-save-money.html #SandhuValueInvesting #habits #8habits #habitstosavemoney #save #savefirst #savemoney #saveinvest #saveme #savemoneylivebetter #savemoneytips #savemoneytime #savemoneytoday #savemoneysavetheplanet https://www.instagram.com/p/CX8rDo6PMDE/?utm_medium=tumblr
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Big thank you to Trina Mara @trina_mara for chatting with me this morning on Classic Hits 94-105FM @classichitsradio Such a fantastic personality, she put me at such ease. 😁💕 I’ll put this in my stories with a link to the podcast for anyone who want to listen back. PS Any one who orders my New book - Mindful Money, More Money, More Freedom, More Happiness in the month of January gets 15% off from the @orpenpress website Use the code ‘smartmoney’ at check out 😆 https://orpenpress.com/book-author/kel-galavan/ There’s also a link in my bio which will get you there too 💪 This is the year to get ahead with money ☺️💪💕 #irishdebtfreecommunity #smartmoney #irishradio #classichits #nationalradio #nosorn #nospendyear #nospendjanuary #savemoney #savemoneylivebetter #savemoneytips #savemoneytoday #irishauthor #moneybook #financialfreedom #financialindependence #financialliteracy #budgetmum (at Ireland (country)) https://www.instagram.com/p/CJ07IvAHFaG/?igshid=snbmfrvdxugp
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Travel Thursday! Check out Layla and Logan exploring thru Lagos, Portugal. The famous epic rock/ cliff formation ""Ponta da Piedade"" in Algarve, Portugal - #globalnomadinvesting #nomadfreedom #nomadlife #nomadic #nomadlic #savemoney #savings #budget #save #nomadfreedom #travelguru #savemoneychallenge #traveltips #travelhacks #worldtravel #savemoneylivebetter #savemoneytips #savemoneytoday #investinyourself #nomadtravel #nomadfamily #worldschooling #horses #crepes #horseback #portugal #lagos
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Wear your heals 👠get on the Wheels 🚘 and get Xoom Deals 💸😁😁😁 Sofa and love seat $999 This is a limited time offer #cybermonday#cybersale#savemoneytoday. (at Richardson, Texas) https://www.instagram.com/p/B5lgSLUArxT/?igshid=qghu3knyfcmr
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