10 ways to be more money savvy in January 

10 ways to be more money savvy

You may still be feeling the pinch from Christmas, payday may not have been that long ago but it seems to disappear far faster in December, and with payday so far away now you may be looking for ways to earn some money or keep hold of it this month.

10 ways to be money savvy

Here are a few quick and easy ways to bring in a few extra pounds this month (and every month)

  • Clothing sort out.
    You may have got new clothes for Christmas or even set resolutions to lose weight, eat better etc. Now is a great time to pull everything from your wardrobe. Put back what you know you will wear, bag up those you won’t and those you aren’t sure about hang back in the wardrobe but with the hangers the wrong way round, when you wear them turn the hangers the right way again. Check in 6 months…those with the hangers facing the other way you’ve not worn in 6 months so probably aren’t likely to are you?
    The clothes you’ve bagged up…SELL. Try sites such as eBay, Facebook selling pages, Gumtree, there really also companies who buy them by the bag full.
  • Toys sort out.
    If you are now inundated with toys sort out those which are old and broken throw away, those which are still in good condition sell. Again eBay and Facebook selling pages as well as Gumtree are good places to start.
  • Answer surveys.
    I’m a member of Swagbucks and this has been a great way of earning extra money. You can answer surveys, watch videos search the web and even get cashback on your shopping. For doing this you’ll earn points called Swagbucks (SB) which you can redeem for gift cards for some of your favourite stores (Amazon, M&S, John Lewis and you can even choose to exchange for cash into PayPal or Mastercard).
    Sign up before the end of the month and earn 300SB and you will automatically gain an extra 300SB. If you spend at least £25 via the Swagbucks shop* you will receive a bonus 200SB as well as your cashback earnt via shopping (bonus SB will be added in February, *shopping SB must credit before 1st March) – you can join up here if you would like (do let me know if you do and if you would like help to make SB)
  • Revise your utility bills.
    OK technically this isn’t making money as such but you can end up saving hundreds by just spending half an hour comparing your options. Utility Warehouse, Money Supermarket are just a couple of options. Search around and compare your gas and electricity bill. Also don’t just renew your house insurance, contents, car or pet insurance automatically when the renewal comes through by searching the market for even half an hour you could find you can usually save a fair bit (then take these quotes to your current company to see if they can match it!)
  • Reward points.
    If you regularly spend money somewhere do make sure you are signed up to their loyalty schemes.  Tesco for example. I always shop in Tesco and we get our petrol here so save the points…remember to double them up when the exchange is available, personally I prefer to use them against days out or eating out (for every £2.50 in clubcard points you can get £10 to use towards meals out, trips or even experience days/magazine subscriptions
  • Put your change into a jar when you’ve been shopping.
    Even if you just toss the coppers into a jar they soon mount up.  Don’t spend them but count up in November or at the start of December and you’ll be surprised at how much you have. Small change like this won’t be noticed….imagine how much you’ll have if you did it with all change 50p and under?
  • Set up a direct debit to your savings account.
    Do you always plan to save a little each month? Perhaps you start well but keeping it in the house is all too tempting isn’t it? You can grab it too quickly if you need a pint of milk or a night out perhaps. Why not set up a direct debit for £5 a week? You’ll not really notice it going and by the end of the year you could have saved £260
  • Got a skill you can offer to others?
    Advertise your expertise…..a dab hand at html and coding? There are people falling over themselves for help with this. Copywriters, artists, designers etc. Fiverr maybe a good place to start. Different skills? What about offering your skills on a local FB page……there is always a need for a man with a van, plasterers, decorators etc.
  • Save money on babysitters by forming a sharing circle with friends.
    You can babysit their children when they go out and they can return the favour when you go out. If you don’t have that many close friends what about parents of the children in your child’s class?
  • Always look for discount codes before making a big purchase.
    Stores are always competing so a quick 5 minute web search could bag you 10% off, free delivery or more! It is always worth visiting a voucher code site too as you will find loads of up to date offers all in the same place, one I have been using a fair bit recently is revouchers.uk which has voucher codes for some of the store I use often such as Tesco, M&S, Argos and so many others. It helps to save the time of looking around for the offers as they are all there on one site – choose which you want and click on it to take you directly to the store too.  There are always discount codes floating around so definitely look before making a purchase no matter how big or small.

Do you have any tips for being money savvy and saving/making money you may like to share? Leave them in the comments below.

*This is a collaborative post.*

*Post contains affiliate links*


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8 thoughts on “10 ways to be more money savvy in January 

  1. These are good tips. I’ve had a big clothes and toys sort out this week. You’ve reminded me to have a look at our utility bills as well1

  2. Some fab tips here. I’ve already made a start on my reward points and currently have around £9 on my Boots card! I usually spend it all, but I’m trying to make an effort to save it this year! Thanks for linking up to #ThatFridayLinky

  3. These are some really good tips. You’ve inspired me to have an epic clothes sort and stick some stuff on eBay. This is just what I needed to read after checking my bank balance this morning and wanting to cry! #thatfridaylinky

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