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August 16, 2021
12 simple ways to cut costs and boost your bank balance

Lots of us are looking to tighten our belts during these difficult times, and the good news is there are plenty of simple steps we can take towards living a more frugal lifestyle.

Here we share with you 12 tips on how you can save money on your household costs and bills.

  1. Check your council tax

According to MoneySavingExpert, up to 400,000 homes are in the wrong Council Tax band. So it’s worth making sure you’re not being overcharged. It only takes 10 minutes to check your band, Martin Lewis has some great tips on his site you can find these here.

  1. Grow your own food

You can save lots of money by growing your own fruit and vegetables. Eat them, cook them, pickle or freeze them… grow organic food for a fraction of the supermarket price. Not only will it help save the pennies, but your homegrown food will taste delicious. Check our recent blog about starting your own veg patch.

  1. Use loyalty cards and coupons

Loyalty cards are a great way to earn rewards and discounts on the shopping that you’re already doing. Clubcard, Nectarcard, advantage cards… there are endless cards out there for almost every retail store. The coupons and points can be used on shopping, days out or special treats. 

  1. Savvy shopping

When you go grocery shopping, the key to success is to make sure you are savvy! There are lots of ways to make super savings, shopping around for bargains that are to be had, planning before shopping and going for unbranded products. 

  1. Make do and mend

If something is damaged or broken before you throw it away see if it can be repaired or fixed. Youtube is a great source of information, you will be able to find tips on how to repair pretty much anything online. 

  1. Look at switching

Switching to a new electricity or gas supplier is easy to do and can save you hundreds of pounds on your energy bills. It is super quick and easy to compare prices and even to switch.

  1. Get freebies

There are plenty of websites where people are giving away items they no longer need, and you won’t have to pay a penny for them. Sites worth checking out include Freecycle, Facebook Marketplace and Gumtree. There are some great freebies to be found online.

  1. Clever cleaning products

There is no need to spend the big bucks on expensive fancy cleaning products. Some of the items in your pantry (like baking soda and vinegar) work as effective homemade all-purpose cleaners and cost next to nothing. A quick google will give you some great recipes like the one below.

To make an all-purpose cleaner, pour 1/2 cup of the vinegar into a spray bottle. Add in 2 cups water, 1 teaspoon castile soap, and 20 drops lemon essential oil. Shake the mixture well, and then spray onto the surface and wipe clean with a damp cloth.

  1. Bulk cooking

There are a number of ways that you can make savings in the kitchen, from planning meals, shopping around and buying unbranded foods. One of our favourites is to bulk cook. Try setting aside a few hours and make a load of different dishes to prepare you for the whole week; pop them in the freezer and defrost when you are ready for something tasty.

  1. Turn your lights off

Research by Utility Design, revealed that Brits are wasting £4.4 billion every single year by leaving lights on at home. This is an easy one to solve; when you leave a room, flick the switch and cut expenses on your electricity bills. If you live with forgetful people, place little stickers by the switch to give people helpful reminders.

  1. Cancel direct debits

The average brit wastes more than £30,000 in a lifetime on monthly direct debits they never use. It is good to get in the habit of going through your bank statements and direct debits every 3 months to review any payments you no longer need or direct debits that shouldn’t be in place. 

  1. Sleep on it

When considering a big purchase or life decision, we always recommend sleeping on it. This gives us an opportunity to take a breather, clear our minds and relieve ourselves of the immediacy.

If you have any great tips that you think we have forgotten let us know, email us at hello@guardiancard.co.uk.

About the Author


Esther George

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