LIFESTYLE: TIPS ON BUDGETING

Having been a student for three years I think it’s engrained in me to budget where I can (don’t get me wrong, I still guilt shop and purchase unnecessary things that I may not need – I’m sure Rob can confirm this) but it’s great to count the pennies where you can! I thought I’d do a post on my top tips on budgeting as It’s a great time of year to start thinking about saving for Christmas…


Savvy shopping:
I’m not sure if ‘savvy shopping’ is a thing but we’ll go with that! The first key point for shopping purse friendly has to be points cards, I have a beauty card for SuperdrugDebenhams and also a Boots advantage card. It’s a great way to earn money back and learn about offers and rewards the stores are offering, I always tend to do Christmas shopping in stores that I have points cards with too so I can earn something back. 



Travel:
I’ve always been a budget traveller, from mine and Rob’s six week stint in Thailand to a recent two day city break in Paris I’m always on the look out for cheap deals when it comes to flights, accommodation and travel and it free’s up a bit more spending money whilst on holiday. My go-to budget airline has to be Easyjet – the flights are also incredibly cheap and I’ve always had a great experience with the airline. If you’re not a keen flyer and are travelling within Europe then why not try the Eurostar – you can read my full review of my experience here. When it comes to booking budget accommodation my go-to’s are always Booking.com and Air BnB.


Finances:
 This point is key as it’s important to get a low rate credit card – I had a student credit card from uni but since gratuating the interest rate went up to 29% APR which was crazy so I took out a low rate loan to pay it off within the year. Credit cards aren’t a bad thing if used wisely, it’s good to have one to build up a credit rating which will help when it comes to getting a mortgage. If I’m going to buy something on my credit card I’ll always make sure I can afford to re-pay it and set myself a payment time frame to have it paid off by. 

Out with the old in with the new: I’m quite the hoarder but every summer I have a big old clear out and often do several bootsales each year. This year I managed to fit in three and made nearly £500 which I was chuffed with. During the winter months when bootsales aren’t running I usually round up a couple of bags full to pop onto Ebay or Depop.


Treat yo’self: If you’re looking for a great date night activity or to treat a loved one I always scour Last Minute as they have lots of theatre, restaurant and entertainment offers – you can always take a look for flights and hotels here too! If you’re looking for a spa day/treatment I always have a browse on Wahanda, they have an app too which I love to have a sneaky look at in my lunch breaks!

I hope you’ve found this post useful, let me know if you have any great budget tips!

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4 Comments

  1. Natasha Chan 28th October 2014 / 10:06 pm

    These are some really great tips, the little things like finding a good deal can make the world of difference. Also having a balance between treating yourself and saving the pennies really helps, sometimes I find myself spending a crazy amount one week and then the next I hardly spend any money. Thank you for sharing!

    The Night is Wild

    • Hayley Rubery 4th November 2014 / 10:14 am

      Thank you so much for your feedback! I completely agree, some weeks you have a blow out then I'll go 3 weeks without spending hardly anything – you need to find a balance that makes you happy but still allows you to be strict and save 🙂 x

  2. Shelley Jessup 29th October 2014 / 3:12 am

    I really need to start being a savvy shopper spend way too much money!!

    • Hayley Rubery 4th November 2014 / 10:13 am

      God me too! I wrote this post hoping it will help me with being better at saving too 🙂 x

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