We are hoping that in the next 5 years we will own our own house. Right now we rent and we plan on renting for a few more years. We have discussed mortgages but as i'm only working part-time we are better off waiting until I go back to work full time when Amelia starts School. I don't think it makes much sense for me to work full time as we would have to pay for childcare for Amelia and i'd rather spend this time with her. I thought i'd share a few ways in which we intend on saving money. We need to save money to pay for deposits and renting fee's and we currently live in a part furnished apartment so we will need to pay for furniture and other appliances.
First up is making cut backs. Do I really need to buy that pair of boots? Going out for extravagant
meals. It's good to look at your statement and see how much you really spend on unnecessary purchases for example those £4 coffees twice a week add up, you can buy a whole jar of coffee and put it in your own to-go cup. I was spending £17 a month of a cinema car that I don't use and wasting £30 a month on my gym membership. I know it's not the same but if you want to save money you have to make these simple changes. By making these little changes like parking a little further away from town or why not walk to the shops instead of driving?
Meal Planning - We waste so much food and it's because we never plan our meals. Plan your meals for the week and write a shopping list. Then go to the supermarket and just buy whats on your list, I find online shopping is a good way to save money too because you don't get tricked into buying those £1 offers at the end of the aisle. Also by doing a weekly shop you use less fuel going back and forth to the shops and you tend to eat what you have in rather than going to get something else for dinner.
Shopping around - why pay more for something? You can browse different websites online and find out what stores have the best prices and offers on those products that you need. Going to shops like Home Bargains or Savers for your household goods can save you loads compared to the supermarkets. As I mentioned above we rent a part-furnished apartment so when we move we are going to need to buy everything from a sofa, fridge-freezer, washing machine and tumble dryer. It's good to shop around online and there's websites like latestdeals.co.uk who have loads of really good deals on appliances. Another way to save money is to look for vouchers when shopping as you can save lots of money by looking to see if there is a voucher before you buy, even if it's just a free delivery code.
Buy secondhand - There are so many products that you can buy secondhand, one of my friends bought a secondhand sofa and its lovely. It's a huge grey corner sofa and I would never of guessed it was pre-owned. You can find some really good deals on furniture, I bought our Ikea dressing table second hand and it looked brand new and it cost me about £20 instead of the retail price of £120.
Even after following my money-saving tips we will still need to look at a service like Zippa Loans to buy some of the furniture and to put towards a deposit. This way we can manage the monthly repayments. I think we will buy a new fridge/freezer and then look into getting a second hand sofa and some wardrobes. I think we could bring our washing to our parents for a couple of months and then save up to buy a washing machine instead of paying out loads at the same time.
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