Helpful Hints To Improve Your Savings Pot

The start of a New Year is the perfect time to wipe the slate clean and get into better financial habits.

Are you looking to save money this month and cut down those debts? Here’s some helpful tips:

1.    Take a look at your travelling costs. Think about walking shorter journeys rather than using the car because not only does it save money but helps you to keep fit and healthy. Have you ever considered buying a bicycle for the same reason? If you take regular journeys on public transport then shop around for the best deals. Most rail and coach companies offer cheaper advanced fares or if you’re a regular commuter then buy a season ticket. You can join websites like or to meet other people who wish to share long-distance travel in order to cut costs.

2.    Recycle old mobile phones, DVDs and CDs by using online websites like Mazumamobile which will pay up to £50 for a fully functional iPhone 5 or £10 for a faulty handset. Other sites like Zapper and Music Magpie will buy CDs, DVDs and games

3.    Change your shopping habits by making a list and sticking to it, that way you won’t overspend and buy unwanted items. You can compare supermarket prices online and shop around for the best possible deal. Why not buy in bulk, use price-matching promises, collect coupons or choose retailers that offer good reward schemes? By following retailers on social media you can keep updated on their latest deals.

4.    Save money on days out and entertainment. At this time of the year you’re more likely to find some good deals and discounts for events, meals or weekends away. You can also save money by booking in advance if you shop around online. Also think about your budget and what you can really afford because a day out with your family on a long country walk works out much cheaper than cinema and popcorn. It also makes for better quality time together!

5.    Use cashback websites to reduce your financial outgoings. Click through from the likes of TopCashback and Quidco before you shop online, and you’ll earn a few percent cashback on your bill. You can earn higher cashback on new contracts for your phone, broadband, energy and pay TV, or on financial products like credit cards, current accounts or insurance.

By making a few simple changes you can easily increase your savings and reduce debts.

Visit your nearest credit union to see the range of services they can offer you to help secure a stronger financial future.

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Mae undebau credyd yng Nghymru yn helpu i gadw arian ym mhocedi aelodau ac yn cylchredeg yn ein cymunedau. #credydigymru

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