Welcome to Broke in Bristol – the blog that helps you save money, make money and live life to the full on a budget. I’m Ms Broke in Bristol and I’ve come up with 10 suggestions for how you can spring clean your finances this month.
It pays to review your mortgage regularly. Your current mortgage may not be as competitive as the best new deals on the market and the savings you can make each month can equate to thousands over the years. Bristol-based Zoe Hadley-Clarke from HC mortgages is offering free advice to everyone in the Bristol, Bath and surrounding areas.
Pimp out your parking space. It’s money for nothing – so if you haven’t done it yet check out justpark.com and yourparkingspace.co.uk. You’ll get paid more if your central or by a train station, I made £920 during 2016.
Review your direct debits. I decided to cancel my NowTV package as I’m not making the most of it. Maybe you have an old gym membership that you no longer use? Log onto your bank and check there’s nowt going out that you’ve forgotten about!
Calling your mobile phone supplier can save you money. If your deal is up, it’s best not to have a monthly package at all. Instead, you should pay for the handset outright and look into the best Pay As You Go deals. Check out this MoneySavingExpert article for more information.
Switching your bank and energy supplier can save you a fortune. Check out moneysupermarket.com and uswitch.com to find the best deals near you.
Sell your stuff. Have a clear out and sell what you no longer use on Gumtree, Friday-Ad and your local Facebook selling groups, which unlike Ebay, don’t charge a fee.
Get yourself a railcard. I’ve saved a fortune on mine and Little Miss Diva’s rail travel with a Friends & Family railcard, which I pay £15 for with Tesco Clubcard Vouchers. Because I’ve sold my car, we train it everywhere. So this has saved me hundreds of pounds over the course of a year.
Get paid to shop. Use cashback sites like Quidco and TopCashback.co.uk. Check out The Independent’s article on March’s Best Credit Card Deals – but make sure you pay the bill off in full each month to avoid paying interest.
Save money on your food shop. Currently, there are deals offering £18 off a £60 food order at Sainsbury’s, £6.90 off and half price delivery pass at Asda, £40 off £80 grocey spend at Waitrose and £20 off £80 spend at Ocado. See this article for more details.
If you’re in debt or need advice on financial issues make a free appointment with the people at Bristol-based Talking Money. This friendly bunch will help you sit down and work through a budget as well as come up with a plan for dealing with your debts. This will save you hundreds, if not more. Or if it’s just a little belt tightening that you need, check out Martin Lewis’ free budget tool.
That’s it for this week folks, happy saving! If you come across a great way to save money, why not share it on the Broke and Bristol Facebook page? Don’t forget to like our Facebook page, so that you can be the first to know about the best local events and deals!