Saving money doesn’t mean you have to scrimp entirely — it’s possible to find a happy medium.
Most people don’t have tons of spare cash to work with these days, and we’re all looking for ways to save a few quid without feeling like we’re depriving ourselves of the things we enjoy. It might seem like both aren’t possible, but they totally are. You can streamline a lot of your expenses and claw back a fair bit of money every month by doing a few simple things. I promise you won’t feel like you’re missing out on anything.
1. Cancel any unused subscriptions you have.
It’s easy to forget about streaming services, gym memberships, or apps you no longer use. Take a few minutes to review your subscriptions and cancel anything that isn’t adding value to your life. Even small monthly fees can add up over time and create unnecessary strain on your budget. Not sure what you’re still subscribed to? Many banking apps now offer tools to track recurring payments. By clearing out the unused ones, you’ll free up money for things you genuinely enjoy or put the savings towards something more meaningful.
2. Cook at home more often.
Source: Unsplash Eating out or ordering takeaway can drain your budget faster than you realise. Cooking at home not only saves money but can also be healthier and more satisfying. Planning meals for the week helps you avoid unnecessary food waste and impulse purchases that often come with last-minute decisions. You don’t have to sacrifice convenience — try quick and simple recipes or batch cook to save time. Plus, experimenting with new dishes at home can be a fun way to mix things up without the added cost of dining out and tipping. (And yes, it’s still okay to order a Deliveroo at the weekend every once in a while.)
3. Review your energy usage.
Energy bills can creep up without you noticing. Simple steps like unplugging devices when not in use, using energy-efficient bulbs, and turning off lights in empty rooms can make a big difference. Lowering the thermostat slightly or using a timer can also reduce costs without affecting your comfort or disrupting your routine. Check whether you’re eligible for any government energy schemes or discounts, and if you haven’t done so in a while, consider switching energy providers for a better deal — it could save you hundreds annually.
4. Switch to generic brands.
Source: Unsplash Many supermarket own-label or generic brands offer the same quality as big-name products at a fraction of the price. From pantry staples to cleaning supplies, swapping to a cheaper option can shave pounds off your weekly shop without compromising quality or taste. Start by testing one or two alternatives and see if you notice a difference. Often, the savings are so significant you won’t miss the branded versions at all, and it’s a painless way to cut back on expenses without feeling restricted.
5. Automate your savings.
Set up an automatic transfer to your savings account as soon as you get paid. Treating savings like a non-negotiable expense ensures you’re building a cushion without having to think about it. Even small amounts add up over time, creating a safety net for unexpected expenses or future goals. Apps like Monzo and Starling make it easy to round up your purchases or set savings goals. Watching those little amounts grow can be incredibly motivating without making you feel like you’re cutting corners elsewhere in your life.
6. Shop second-hand.
From clothing to furniture, buying second-hand can save you a significant amount of money while still offering high-quality items. Charity shops, online marketplaces, and apps like Vinted or eBay are great places to start hunting for bargains and unique finds. Not only is this better for your wallet, but it’s also more sustainable and environmentally friendly. Plus, finding a unique piece or a great deal often feels more rewarding than simply buying something new at full price.
7. Limit your impulse purchases.
Impulse buys can quickly add up, especially when shopping online. Before making a purchase, try waiting 24 hours to see if you still feel the same about it. Often, you’ll realise it wasn’t something you needed after all and feel relieved to have kept that money in your pocket. If you’re tempted while browsing, consider keeping a wishlist instead. This way, you can prioritise what you really want over random, spur-of-the-moment buys, helping you spend more mindfully and avoid buyer’s remorse.
8. Use cashback apps and reward schemes.
Source: Unsplash Take advantage of cashback apps like Quidco or TopCashback, which reward you for everyday purchases. Many supermarkets and retailers also offer loyalty programmes that give discounts, points, or vouchers to use later, adding up to real savings over time. While these schemes won’t make you rich overnight, they’re a simple way to save money on things you’d already be buying. Over time, the savings can add up to a noticeable difference in your budget and even allow for small indulgences.
9. Rethink your phone contract.
Many people stay locked into phone contracts that cost more than they need to. If your current plan offers more data or features than you use, consider switching to a SIM-only deal or a more affordable plan once your contract ends. There’s no need to pay for extras you don’t need. There are plenty of budget-friendly options that still give you great service. Downgrading doesn’t mean going without — it’s about paying for what you actually use, not what’s been upsold to you unnecessarily.
10. DIY where you can.
Source: Unsplash Instead of paying for things like minor home repairs, beauty treatments, or simple car maintenance, try learning to do them yourself. With countless tutorials online, many tasks can be tackled with basic tools and a bit of patience, saving you money in the long run. Not only will you save money, but you’ll also pick up new skills in the process. It’s empowering to realise how much you can do on your own, and the savings quickly add up without sacrificing quality or results.
11. Reassess your transport costs.
Transport can be one of the biggest monthly expenses, but there are often cheaper alternatives. If you’re driving everywhere, consider walking, cycling, or using public transport when possible. If you already rely on public transport, look into season tickets or discounts like railcards to lower costs. Carpooling or switching to an eco-friendly vehicle can also reduce costs significantly. Small changes in how you get around can make a surprising impact on your budget without feeling like a sacrifice or major inconvenience.
12. Embrace free entertainment.
You don’t need to spend money to have fun. Look for free events in your area, enjoy nature walks, or have a movie night at home with friends or family. There are endless ways to stay entertained without splashing out on expensive tickets or outings. Libraries, community centres, and local social media pages are great places to discover free or low-cost activities. It’s about shifting your mindset from spending to exploring what’s already available and often overlooked.
13. Plan your shopping trips carefully.
Whether it’s groceries or clothes, going into a shop without a plan often leads to overspending. Make a list of what you actually need before heading out, and try to stick to it. This reduces the temptation to buy unnecessary items and keeps you focused on your priorities. Shopping with a plan also helps you avoid doubling up on things you already have. Plus, planning meals or outfits ahead of time makes you more intentional about your purchases, saving money and reducing waste in the long term.
14. Negotiate your bills.
Don’t just accept the price of your utilities, insurance, or broadband — call your providers and ask for a better deal. Many companies are willing to offer discounts or incentives to keep you as a customer, especially if you mention you’re thinking of switching to a competitor. Negotiating can feel awkward at first, but the savings can be significant. A 10-minute call could save you hundreds over the year, leaving you with more money for the things that truly matter to you or help you reach your savings goals faster.
