Tag Archives: save money

ITV This Morning: Making Money with Sarah Willingham

**ITV This Morning: Making Money with Sarah Willingham**



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Get up to date with the latest money making techniques, brought to you by financial expert Sarah Willingham on This Morning.
shanell savings week so it's probably the right time for this Tara Willingham is here now with her top three savings tips so what so let's start with those I started with the first one I thought premium bonds you know there's so many people out there that spend two or three pounds a week on the national lottery well actually why not spend that money in a year buying premium bonds they're safe and at the end of the day somebody could come and knock on your door and you could win it win a million places you can catch them in whenever you want to yes exactly then it but while they're there they keep you never know I never know it's a fun way of saving because because they are safe and yet you never know you might get really advanced and every so often she'll open up should get serb units a25 eight or 50 yes we always give God children premium bonds right blessings just the amount of money you win or the amount of people who win change depending on interest rates and things like that no it's and it's all tax-free as well when you win it so you can win up to between five pounds or a million pounds which is great another thing that another thing that we used to do piggy bank savings what we used to do at home will have a massive big glass bowl in the living room all the spare change went into it once a year is to empty it all out all over the carpet and the kids used to count it all in decide row we're going to go once a year nice way of saving doesn't have to be for the special day out could also be for the washer breaking or whatever well you said that if you if you buy a coffee every morning on your way to work and you stop doing it and put your two powers into a jar around 250 working days per year you save about 500 quid exactly cash Isis I know everybody thinks that cash eyes is boring but when we start talking about things like that this is the place to put your money five thousand three hundred forty pounds a year you can put it it is tax-free you should be looking out for around three percent then if you're taxed at source how does it I don't understand how it then saves tax-free in that account you're allowed to put three that's up to five thousand three hundred forty pounds into a cash icer every year and you don't get taxed at all on the interest okay so no matter so if you're a 40% tax earner for example you're saving 40% so more you're self-employed then that regardless your that that is everybody whether you're a 20% 20% 25% 40% tax payer you're allowed to put that amount into a cash you say you should make sure you look for one that's giving you about 3% there's loads of rubbish should be honest there are loads of rubbish ones out there under 1% it's not worth the effort frankly yeah look for the look for the around 3% okay eBay yes this is my make up a name this is the principle of to sell it before you buy my friend Sarah needs to buy some new things for her holiday so I'm gonna help her find some items in the house that she can sell so that she can afford to do it Oh whose are these so once you've got all your unwanted items you can start selling there are many online sites where you can sell your unwanted items I'm gonna use eBay we're gonna start by setting up an account so most sites gonna charge you between 5 or 10 percent commission but make sure you check out the fees before you start so once you've set up your account I'd recommend you set up a PayPal account this is the most secure way of sending and receiving money so you'll need to link your online account with your PayPal account so the first thing you'll be asked to do is put in a title and this is so important this is the bit that the buyers actually see so sell your item brand-new in box pop-up they're brand new in box so when you're filling out your form you must be really honest about the condition of your item if it's got flaws take photographs of those flaws most people want to see what they're buying a photos free to upload so use it and take a good one the secondhand items on average you can get up to about 50 percent of today's selling price if the item was new so start the bidding at 99 Pete then it's free to list after that for a valuable item make sure that you set a reserve price how big is your parcel it's a packet it's 40 grams it's going to the UK get estimate see how easy that was now all we've got to do is wait and see how much money Sarah makes and we have that amount now here's how much she made three hundred and thirty two it's not amazing in two hours well everybody freaks out when you start talking about selling stuff on the internet because they think it's so complicated I mean look you know eBay have done some research the reckon everybody has got around 450 pounds yeah so you – I bet you've got a lot more than that what I will say is that these scams you get in your junk mail that are constantly getting these hoaxes and things if you do sign up for this and then you get and it will probably be completely unrelated as someone saying your PayPal account has been compromised please give us your details on this yeah yeah yeah it'd be really really careful because it's no don't what I don't want people to think about scams when they thinking about trying to making some money from syrup from a site like eBay this is not difficult open the Wardrobe you will fly so just give it go my mum put one item on at this weekend yeah there are loads of other ways to tell as well if you are scared of the Internet yes loot magazine for example that's a that's a free newspaper local adverts still in your local post office your local supermarket car boot sales ok cool a bit standard a car boot sale stands somewhere in the middle don't stand near the loos and don't stand near the exit and take lots of change with you and check the weather basically ok I'm a space guys lots of the ways gets paid for your space you can rent a room in your house look at spare room co uk free of charge to rent free of charge to join you can rent your garden camp in my garden brilliant earn up to 25 pounds a night renting out your survey you idea of like a festival exactly rent out your drive my parking space or park at my house again if you live near an airport or sporting venue you can rent out your parking space and your front drive fantastic and rent out your home as a film set that's always a good one you never know really thanks to it sorry I'm just think about the pocket if you live near a train station I think like that every day and that's a regular income it's fantastic I feel home for film sets you do have to live in a castle you don't have to live in a castle they need very normal places exactly if you wanted to be for example a film extra exactly the same they're not necessarily looking for 6-foot tall gorgeous models they're looking for normal people all this information is on the website which is on how to make money from your opinion in the last version swell interesting everybody uses lots of brands out there these big businesses want to know what you think of them so register on loads of these sites you can get paid from 40 to 150 pounds just for telling people what you think of using your shampoo it's fantastic all the details are on the website that's brilliant very good indeed thank you and also we're gonna work we're gonna tell you how how you can get paid for your talents as well that's online so you don't have to be academic for that one no you don't cupcakes flower arranging whatever everyone's got some kind of skill get out there use it sell yourself all those details on our website Icom /this for you and we've got loads more money making tips and some special money-saving vouchers online as well and sarah's heading to the hub now for a web chat so get in touch if you want more money-saving advice still to come today berries are on the menu with phil Vickery's duck and blackberry sauce we've got joanna lumley it des O'Connor and a performance on the other and the woman who can't get fat Carol French on a condition that makes her life a nightmare will meet earth

HOW TO STOP SPENDING MONEY 💸 (15 tips to stop impulse shopping + save money with minimalism)

**HOW TO STOP SPENDING MONEY 💸 (15 tips to stop impulse shopping + save money with minimalism)**



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Do you have a problem with impulse spending and shopping? Do you buy things that you don’t need? Well, it’s time to stop shopping for things you don’t need, so you can start saving some money for the things that matter most. In this video, I will share 15 easy and practical tips to stop spending money aimlessly, so that you can finally save some cash and reach your financial goals.

In my 20s, I used to shop impulsively and buy all sorts of things on a whim and I didn’t even end up using the majority of those things. In my 30s, after adopting minimalism, I’ve changed the way I spend money drastically and that has helped me save thousands of dollars.

In this video, I’m sharing my personal experience as well as the tips that have helped me cut down on spending on things I don’t really need. If you have any tips for impulse shopping, let me know in the comments below.

#minimalism #savemoney #simpleliving

If you liked this video, you should subscribe!

To good health,

Ria

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Five thousand, four hundred dollars a
year. That is $54,000 in a decade! That is money that could go towards retirement
savings accounts, emergency funds and even a mortgage down payment. So if you feel
like you're wasting your money buying things that you don't need and the
impulse shopping is getting out of hand – then this video is for you. I'm going to
share 15 easy and practical tips things that I've done and I hope that they help
you too. Hello hello! Welcome back to The Whole
Happy Life. I'm Ria. So I wanted to create this video because I used to be
such an impulsive shopper when I was younger. I spent so much money and I wish
I have known these tips before because I could have saved maybe thirty or forty
thousand dollars in my twenties. So I hope that these tips can be useful to
you. As always, with money things are a little bit different for everybody so
take what you want from this video and leave the rest out. And before we begin,
let me know in the comments below what is your biggest impulse purchase. The one
that you regret the most. I'm really curious to know – let me know in the comments
below. Let's begin. Tip number one – don't shop when you're emotional or when
you're really stressed. I think it's so easy to use shopping as a way to feel
better – as a quick pick-me-up… retail therapy.
But the problem is shopping and retail therapy is not effective. It's short-term –
you'll feel good for maybe a couple hours… maybe even a day or two but after
that you're back to your normal self. So I think retail therapy is prohibitively
expensive if you're an impulse shopper and it's just a good idea to find other
things to do to deal with those emotions. So let's say you're feeling sad – instead
of going to the mall maybe talk to a friend, watch a funny movie on Netflix
that you enjoy – do something else that doesn't involve spending copious amounts
of money. And if you're feeling stressed there are other things that you could do
that don't involve spending money. Go for a walk in the park. Go for a workout. Do
some self-care at home. Things that you could do for free.
Tip number two – don't shop out of sheer boredom. I can't tell you the number of
times I've gone to the mall because I was bored. I thought I was only going to
window shop and that window shopping quickly became real shopping. When you're
at the mall, you're in a place of temptation and if you're someone who has
a tendency to purchase things impulsively it's really hard not to buy
things, so don't put yourself in that position. Don't go to the mall when
you're bored – find other things to do. So as an example if you're an introvert –
maybe journal writing, reading, watching a movie at home… that might be something
you could do when you're bored. Or if you're an extrovert, you could go out in
the city and find free things to do. There's always something to do for free
in every city or town – just find those things to do and don't go shopping.
Because if you go shopping you're probably going to spend money that you
don't need to spend. Tip number three – shop with intention and with a very
specific list. I've noticed that when I shop without a list, I tend to get
carried away and I do make a lot more impulse purchases, but when I make a list
and not just a generic list but a very specific list… I'm less likely to get
carried away. Tip number four – when you're shopping online, avoid creating an
account and storing your credit card information. So a lot of times when you
shop online, shops want us to create an account. That way you have the name,
address and credit card information stored, so the next time you want to shop
with them it's just the matter of a click of a button and it becomes so easy
to shop. The problem is if you are an impulse shopper, it's a little too easy
to shop. So if you want to avoid those impulse purchases, my suggestion is check
out as a guest- not as someone who has an account. By checking out as a guest you
have to physically enter your name, your address and your credit card information
and let me tell you, I have abandoned so many shopping carts in the past because
I was too lazy to get my credit card out of my wallet. So there we go.
If you're an impulse shopper, this can act as a deterrent, so just try to avoid
creating accounts and check out as a guest instead. Tip
number five – embrace aspects of minimalism. I think out of all of the
tips in this video the one thing that helped me the most is becoming more of a
minimalist. I do recognize that it is not for everybody but at the same time we
don't need to completely become minimalists. Some of us may just want to
embrace aspects of it. I think minimalism is a spectrum – we can all do it in our
own way and if it can help you become a little more intentional, help you become
a little more aware and mindful of your purchases – why not? If you're interested
in learning more about practical minimalism, I do have an e-book and
workbook on it which I'm going to link in the description. And don't buy the
workbook impulsively. I don't want you to do that! Buy it if you really feel like
it's going to help you and it's gonna add value to you, otherwise you don't
need to get it. Tip number six – try to buy from stores that have a return policy
and keep the receipts. I can't tell you the number of times I have purchased
something and then I've quickly regretted it the next day and I couldn't
return it because store did not have a return policy or I lost the receipt or I
took the tags off. So my suggestion is don't take the tags off, keep your
receipts for at least for 7 days and try to avoid buying things from places that
don't have a return policy. My philosophy now is if it doesn't have a return
policy, I'm not buying it. I don't buy things on final sale because that is how
you end up buying things you don't really need. Tip number 7 – sleep on the
decision especially if the item is above $100. So I have a rule – if an item is
above $100, I do not buy it the day I see it. If it's at the mall or online I won't
buy it. I will sleep on it for at least a day if not two or three nights and I
can't tell you the number of times I've completely forgotten about the item in
two or three days. So give yourself a little time to think through that
decision and who knows you might change your mind.
Tip number eight – avoid joining email lists. A lot of times when you shop
online or even in the store – stores will ask us for our email address in exchange
for a coupon or something of that sort and the problem with that is while that
coupon may seem very nice in the beginning they're going to keep sending
you emails again and again and you're going to end up buying more things. Things
that you don't need. So my suggestion is to unsubscribe from all of those email
subscriptions so that you don't have to face temptation all the time. I think for
an impulse shopper the biggest thing you can do is remove the temptations. By
removing the temptations you're just not going to shop as much. Tip number nine –
don't shop with friends that push you to buy things that you don't need. Now we all
have friends that help us make really good decisions – go shopping with them but
then we also have friends that make us buy things that we don't need. They kind
of push us into impulsive purchases and they tell us that everything looks good
on us… when in fact it really doesn't. So don't go shopping with those people. I
actually bought a pink poofy wedding dress ten years ago. It was horrible.
I got persuaded by my friends and my husband had a look at that dress and he
was just like" oh my gosh what were you thinking? ". So thankfully that was not
actually the wedding dress I wore on my wedding day but I learned a lot from
that experience. Do not go shopping with people who you
don't really trust in terms of their opinion and who push you into making bad
decisions. Just avoid shopping with them. Tip number 10 – always check reviews for
items that are above $50. So I've a rule – if an item is above $50 I won't buy it
until I check the reviews even if I'm in the store. I will take my phone out and
I will try to check the reviews because this way I'm not making a purchase that
is somewhat expensive without knowing everything about it. I think the thing
with reviews is you've got to check both positive and negative. It's so easy to
just read the positive ones and think "hey this item is great". No. Read the
negative ones too have a balanced view and then make your decision. I have
purchased a lot of things without checking reviews and then I deeply
regretted it later, so try to avoid that. Stick to that
rule whatever dollar amount it may be. For you it might not be 50 – it could be a
bit different but stick to that rule. Don't buy it unless you checked the
reviews. Tip number 11 – remind yourself of your financial goals before you go
shopping. If you don't have financial goals then I do suggest having some – just a
number and what you're saving it for. I think it can be very helpful in changing
your mindset about money. I didn't have financial goals before so I used to spend
because I didn't really care but now I do
and I remind myself of my financial goals regularly and because of that I'm
less likely to make impulse purchases. So my suggestion is if you don't have goals…
sit down and think about what your goals might be. It could be something really
simple- I want to save $5,000 for an emergency fund. Whatever it may be just
write it down and think about it regularly so that you know what you're
trying to do and you're going to be less likely to get carried away with your
impulse purchases. Tip number 12 – re-evaluate what you already own the
next time you're shopping. So as an example let's say I'm shopping for jeans
and I see a nice pair of jeans… it's very easy to get carried away thinking "hey
it's on sale. It looks good. I need it." But then take a moment to re-evaluate
whether or not you already own something that's similar. Sometimes you actually
have the exact same color at home and you don't really need that extra pair.
Tip number 13 – think about your worst impulse purchases and make a list. I made
a mental list of the worst impulse purchases I've made and that list really
really helped me change my mindset. I realize how many impulse purchases I
forgot about and once I made that list it reminded me of how much money I had
spent and how much I deeply regretted those purchases. So if you're someone who
makes a lot of these impulse purchases just make a list and take it one step
further. Put that list in your wallet so the next time you're actually tempted to
spend some money you're going to have that list right in front of you. And
maybe …maybe it will act as a deterrent and you might not end up making that
impulse purchase. Tip number 14 – get to the root cause. If you have tried
everything in this video as well as tips from other people and you're still
struggling with your impulse spending maybe it's time to take a step back and
figure out the root cause. It could be something like anxiety. It could be
something like sadness. It could be a multitude of different things but you
need to figure out the root cause so you can work on a solution. If you need help,
maybe it's time to talk to a therapist. Tip number 15 -make it a game with a
jar method. So this is something that I recently started and I've been enjoying
it. So every single time I avoid an impulse purchase, I write down the item
and the dollar amount and put it on a piece of paper and stick it in the jar. And
then at the end of the month I look at all of the little pieces of paper in the
jar and tally up the amount that I avoided spending. So last month I avoided
spending two hundred and fifty dollars- which is not a small sum of money. It
actually is quite a bit especially if you end up saving that much each month.
So I'm going to continue doing this and hopefully by the end of the year I might
have a couple thousand dollars saved up. This is just a fun little thing that you
could do to reward yourself every single time you avoid an impulse purchase. Thank
you for watching this video, if you enjoyed it please do give it a thumbs up
because that helps me a lot and if you haven't subscribed already, please do
consider subscribing. And you can find the link to my minimalism ebook in the
description as well as the pinned comment I will see you in the next video which
will be about boosting your iron levels naturally without pills. See you then. Bye!

Mercury Insurance: Protect Your Car While the Space Cats Are Away

**Mercury Insurance: Protect Your Car While the Space Cats Are Away**



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There are a lot of cars on the road these days. Let Mercury Insurance help you protect yours.

For more information:

Just because cats no longer rule space, doesn’t mean you shouldn’t protect your car. Let a Mercury Insurance agent help you today!

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We are always looking for ways to save you money…anytime…anywhere!

Mercury has been saving drivers money on their insurance for more than 50 years. In fact, we’ve made it our mission to provide our customers with the lowest rates possible while also delivering first class service. But don’t just take our word for it, get a quote and speak with one of our special agents. You’ll be glad you to took a few minutes to see what Mercury can do for you.

Get a free car insurance quote in minutes from Mercury Insurance!

long ago when cats ruled space there were no cars and now there are a lot of cars at Mercury Insurance were here to protect them until the cat's return to power

How to save money on diabetic foot care? | Health Tips | Affordable Healthcare | Dr.Pradeep Gadge

**How to save money on diabetic foot care? | Health Tips | Affordable Healthcare | Dr.Pradeep Gadge**



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The next up in my series of sharing tips for affordable Diabetes management is a video about the most dangerous mistake that patients commit.

Diabetics are often prone to multiple complications, neuropathy being one of them. A lot of my patients end up ignoring the early signs & thus complicate the situations a lot more & this results into heavy expenditure

This fifth tip is an attempt to save diabetics from the expected treatment costs for future

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TIPS | 13 Ways To Save Money on Groceries

**TIPS | 13 Ways To Save Money on Groceries**



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In this video are my favorite tips and tricks to save money at the grocery store! Save money and still eat healthy.
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hey guys today I'm going to share with you some tricks to save money at the grocery store I know all of you love my budget haul videos so I thought that you would appreciate knowing my secrets to saving money at the grocery store let's start with number one eat in season right now it's summertime and berries nectarines grape tomatoes yummy vegetables and fruits are in season right now and for that reason they are cheaper at the grocery store I also find that they taste better when you're actually eating them when their season appropriate number two coupons I'm not really into clipping out my own coupons but you do have the option to go onto coupons calm red plum calm there's a few other websites where you can actually go on and print out coupons for foods that you are already buying at the grocery store you can also go on to your favorite brands Facebook pages and sometimes they have coupons for you to print out there too 3 make a list duh but don't just make a list meal prep and create a menu if you do this you're going to know how much you need of each item so that when you go to the store you can get enough so that you don't have to do midweek trips that often include impulse buys so create a list create a meal plan and get after it number 4 don't shop hungry if you're like me and you shop hunger you buy everything the store everything looks good so before you go to the store eat a meal have a nice lunch have a nice breakfast and then go shopping before dinner there's always a million people there especially on Monday and Tuesday's and you end up buying way more than you need so eat a meal before you go don't shop hungry number five go generic some of my favorite foods to buy like Oh cereals frozen vegetables by buying the generic version you're really not sacrificing any taste or quality you're just going to save money so don't be afraid to buy generic number six is something I do I shop around I know what stores have the best prices so when I need to do some staple shopping I'll go to Aldi because I know that they are the cheapest there four other things I like to go to Trader Joe's for some of my sauces in different condiments and frozen vegetables and then there's hopefully taupe it's actually has some great deals on things but also same with Target Sean's stop and shop we all have different grocery stores and I liked shop around to get the best deals possible which brings me to number seven use your iPhone when you go shopping I love this new app called grocery pal you enter in your zip code and then it lets you know what the sales are at the stores near you so if you know you love to eat Greek yogurt you can go and see what store has Greek yogurt on sale that week it also will let you know if there are $1 great tomatoes when Aldi has this week near me $1 for grape tomatoes I wouldn't have known that if I hadn't downloaded the grocery pal app but you guys can download it it's free and you guys can save some money by checking in to see where some of your favorite products are being sold at a discount number eight buy in bulk especially when things are on sale now if you're worried about them going bad preserve them using either canning freezing or even drying if you have a dehydrator I love buying things in bulk especially meat when they're on sale because you can get them from cheaper prices and then I just put them in the freezer so each week when I figure out what I'm having I can take them out so that they saw number 9 buy your meats with the bone in or if you're buying seafood with the shell or bones still in if you buy chicken bone in it is way cheaper and it actually does taste better you have to roast it a little bit longer but just remember to take the skin off to remove some that excess fat you don't need if I were to buy shrimp at the grocery store without the shell it would cost me more money so take a few extra minutes yourself to buy it with the shell on and just do it yourself to save some money number 10 go vegetarian for some of the meals that you eat during the week beans are extremely affordable and so by factoring in a few vegetarian meals each week you are going to end up saving yourself some money number 11 avoid buying prepackaged foods or pre sliced produce grocery stores are charging you major dollars to do some of the dirty work that really doesn't take that much time so avoid buying the prepared and pre place number 12 pick a credit card that actually rewards you for shopping at the grocery store I have one that gives me points depending on how much I shop at the grocery store that month I then get to use those points to redeem for travel credits on my credit card statement so if I fly to California for work I can then use some of my grocery points to reduce that cost between like 100 and 200 dollars every credit card has a different rate as a different point system so shop around and pick the best one for you and the last one is to take bigger trips when you go to the grocery store when you go up to the register you might have a little sticker shock like oh my gosh I can't believe how much money I spent but I kind of mentioned this earlier by reducing the amount of times you go to a grocery store each week you're going to reduce the amount of impulse buys that you make at the store each time I go I'm guilty of this I at least five two or three things that I really didn't need but either I see them on sale or they look good or I'm in the mood and then I just end up spending more money than I needed to so by doing bigger grocery shopping trips each time you're going to reduce the amount of visits that you make and then reduce the amount of impulse buys and overall money that you have hopefully you enjoyed my tricks to save yourself some money at the grocery store if you're curious what a thirty dollar grocery haul looks like for meals for the entire week stay tuned to click on my thirty dollar grocery haul for the entire week see you guys soon you