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
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hey guys this Courtney I'm here with a pretty quick video today just sharing some of my money saving tips in the craft room some alternatives that you can use or use maybe some of the supplies that you have for multiple things so we're gonna start off with the foam tape now I've always always always used the Scotch foam tape which I still love but I have recently discovered this foam tape I believe it's pronounced X hacen and I have found it on Amazon than I actually found it as a recommendation through post on stamp junkies on Facebook so it is significantly cheaper than the Scotch foam tape but it is also very sticky so you'll see that I have two pairs of scissors that I constantly bring out one is for my regular cutting and one is specifically for foam tape because after a while you will get a little bit of a residue it is slightly thinner as far as the width goes but otherwise it's pretty comparable to the Scotch foam tape except for the price so over on Amazon the Scotch foam tape is $32.99 for 36 yards and for the X fastened foam tape it is $11 and 19 cents for the same amount so it's like a third of the price so next we're gonna move on to a sham it here is my dirty chamois and it's not even wet it's pretty dried out right now but instead of using the stamp shammies that lawn fawn and Gina Kay have although they're wonderful I have discovered these over on Amazon as well they are actually for your car they come in a roll and you can see that I'm just about out but I typically just cut it where it's folded so I normally get eight of them or eight of the size that I cut them down to out of each one of these rolls they are a little bit damp while they're in the packaging so I always keep the top on them but they're not soaking wet but they're really super easy to cut so like I said you will get eight of them provided that you cut them in equal sizes like I do and they are again significantly cheaper than the stamp shammy itself so the stamp shammy over on Simon Says Stamp for the lawn fawn one is dollars and 99 cents for one for these shammies you will get a total of eight and it's nine dollars in six cents on Amazon big difference next we're going to move on to a craft mat this looks very much like a ranger craft mat the traditional craft mat that if any of you have been crafting for more than a couple of years you will recognize this so this is not actually a Ranger craft mat although it looks exactly the same it's actually a baking sheet that comes in a five pack over on Amazon rolls up nicely for storage works identically to the craft mat itself very easy to clean perfect for watercolor techniques and ink techniques and like I said very easy to clean differences once again the price so the Ranger craft mat ranges from anywhere from fourteen to eighteen dollars while this mat you get five in a pack and it's eight dollars and 69 cents for five of them on Amazon so next we're going to move on to just a little bit of a hack so you can see that I have a self-healing cutting mat here that I have cut down and I just use a regular box cutter for this I'm sure there's probably a different kind of tool that you should use but that's all I got so I cut it to the same size as the cutting mat for around Gemini and this will work for any die-cutting machine I just want to pay attention to the thickness so if it's not quite as thick as your cutting mat you may have to add a shim which I do for my Gemini so I'm going to use this as my base plate I'm gonna die cut everything the same exact way but you can see that I am using this metal shim that I don't typically use but I used for this just because the cutting mat is a little bit thinner than the cutting mat for the Gemini but you can see I get perfect results it is a self-healing mat so doesn't matter how many times you cut it it's going to self heal so whatever cutting mat you have once they get dirty or stained or whatever and you don't want to use them anymore cut them down and use them for your die-cutting machine so here is my tombow mono multi glue if you have ever watched any of my videos you'll see that this is my favorite he said for everything it is cheap I could use it for multiple things not only is it my regular adhesive for you know gluing my panels to my card base but it's also repositionable so I'm gonna use this on my little mat here that I have created for my Misti I just printed this off from the internet on a piece of cardstock going to score it a little bit of this tombow mono multi glue and smear it around with my finger let it dry for just a couple of minutes and it becomes repositionable so I'm going to lay my card panel down there line my little stamp up and stamp this and normally the stamp would kind of move around your paper a little bit if you had to stamp this more than once but you can see once I lift up the Misti lid it stays perfectly in place because of that repositionable adhesive underneath it and I can use this over and over so the tombow mono multi glue super cheap and it can be used for just about everything it's permanent and it's repositionable four dollars and 69 cents on Simon Says Stamp and $5.99 on Amazon so next we're going to talk about the scan and cut I have the skin and cut too because they don't feel like it's necessary to get the latest and greatest of everything that's out there I use mine just to scan and cut in replacement of die cuts die cuts are very expensive and sometimes you like your coordinating dies with your stamp sets but we can't always afford them so although this machine is very expensive it pays for itself in the long run the mats however are also very expensive and really not all that sticky so here I'm using my mat here and typically I would clean this off with just a sponge and some water to get all of the cat hair that's still stuck on there and any residue that I have from paper but I didn't do that this time I just need to add a little bit of stick so I'm using this 2-way glue by zig and you can see that it comes out blue it's kind of like one of those paint pens where you have to dab it onto a scratch piece of paper so that the glue starts coming out you can see that I shook it don't shake it you don't need to shake it or else you're gonna splatter it all over like I did but once it dries it will become clear so you will know when it's dry when it's no longer blue and it be repositionable it's perfect for the skin and cut mats it also works well for the cricket mats I don't know about the other mats because I don't have any other machines from that other than those two but they work great for both and it'll save you a ton of money on your mats so let's talk about price of all three of these things obviously the machine is the most expensive the latest and greatest scan and cut is like four hundred dollars but the scanning cut to is 200 $89.95 on Amazon the mats are 13 dollars apiece however the zig to a glue is six dollars and 48 cents and I you could probably Rhys tick your mat about 20 times so definitely worth it here I just wanted to talk about my three main tools that I need in my craft room that are very inexpensive first is the white gel pen not only is this great for adding details to your coloring and to your images but it's great for fixing mistakes so this will save you time and save your cards you can just kind of go over any smudges with your white gel pen and fix them right up same thing with the sand eraser this will take off any ink smudges if you have a fingerprint or something like that this will take that right up same thing or almost the same thing for the adhesive eraser which will if any of your glue kind of seeps out the side of your die cuts or the side of your panels let it dry rub that up with the adhesive eraser it may take a few times but you'll get that stickiness tonette residue off of your projects so these are three very inexpensive tools that will save your cards the sand eraser all of these prices are on Amazon sand erasers two dollars and 89 cents adhesive eraser is two dollars and twenty nine cents and the white gel pens I typically buy in a three pack because I use them all the time and they are six dollars for three of them so I hope this video was a little bit helpful for you guys to use what you have or save as much money as you can so that we can spend it all on stamps and kopecks thanks so much for stopping by guys have a great day bye
So you want to save money like a minimalist?? You want to learn more frugal living tips?? Well this video goes over my frugal lifestyle everyday of how to save money from just a few cents to thousands of dollars.
1. Library 0:43
2. Water at restaurants 1:09
3. Leftovers from restaurants 1:37
4. Survey for gas 2:34
5. No food at movies 3:32
6. Ninja at movies 4:26
7. 2 meals a day 5:06
8. Keep money in MM 6:27
9. Use credit cards 7:11
10. YouTube as entertainment 9:06
11. Video games are cheap entertainment 10:17
12. Walking around block for leg day instead of gym 11:01
13. Planet fitness massage chairs instead of chiropractor 12:07
14. Investing personally instead of using someone else 13:34
15. Use high interest savings accounts as much as possible 15:21
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I am sure that you have heard of multiple other frugal living tips how to save money and everything like that but we're going to be talking about a little bit more specific things that I love probably a little bit more than I should to actually save money and if you want things a little bit quicker I'll leave timestamps in the description so you could jump around to what you might seem interested in hey guys how's it going and thanks for coming I'm Nick and this is real life money where we get you debt free so you could start making some real money and start living a real life so frugal living tips there's always ways to save money we're going over a bunch of them in this video so let's get started the first tip that I do a lot like usually every weekend is go to the library I just like this to one you can get free movies you could get free books you can get free audiobooks which I really love I learned a bunch of this financial education stuff over the years investing saving money real estate or really anything you get like a college degree while just driving to work next couple of tips are involving restaurants now obviously I would try to avoid restaurants because they are a bit expensive but every so often going out isn't horrible so if you do go out to restaurant number two would be just ordering water not appetizers and desserts basically so I always get water one just because it's healthy for you right I don't like getting soda and everything like that so it is healthier and it's also cheaper but focusing more on the food going on to the number three is just to make things easy let's say it's like $12 for something that's a little bit pricey for food that you could probably get in a supermarket for you know probably few bucks several bucks whatever well sometimes these entrees are actually larger than well everything is larger than a serving size we all want more but what I sometimes do is actually eat half of the on yeah entree and then I use the other half or like leftovers for the next day so that $12 meal ends up being split into two meals which is six dollars and six dollars when you're looking at six bucks it's actually not to bed of course you have to factor in the tip and everything but still it's saving you half the cost number four I do every single week I think I'm smooth about it but this is surveying the area for gas and I'm talking about gas prices I am NOT talking about going five towns over to get two cents cheaper on a gas what I do I just survey throughout the day so when I go to work I look at all the gas stations that are pests and then I go home like a separate way and then you kind of just look at the cheapest one so if let's say the cheapest one is coming back from work then I just go to that gas station when I go to work the next day I mean you kind of hope that that that cheap price is still there but again you just survey the area see what's cheaper you're not going to save a million dollars this way it makes me happy if I save you know a few cents especially when you don't have to you got to get gas anyway that's what I do next couple is with kind of geared toward entertainment which is the movies number five would be just simply no food while going to the movies now we all love going to the movies to see whatever is out there my personal I loved inception or interstellar and I like movies that make you think because not many people do that anymore anyway you know when I was a kid I always got like popcorn and you get soda and everything like that as I got older I actually don't eat anything at the movies most likely you're going to have lunch before after the movie so there's food for you or you're probably going to like dinner and then a movie or a movie and then dinner like you're gonna have food close to the movie so you don't need that extra food one you save money but it's also healthier for you and that's what I like number six is being a little sneaky if you wish to bring some type of snack to the movies what especially what my brother does he loves those sour gummy worm things so you go to the dollar store which is a dollar you pick up a box or two versus if you get candy at the actual theater is like five dollars so you know you're saving a few bucks there which is very nice and then you simply slip that into your back pocket or something like that no one really cares and then you just go into the movie theater you save money on your candy and you still enjoy your movie now before we're moving into number seven which I've recently adapted and I'm actually saving a bunch of money with it if any of these are like relatable to you or do you have any separate ones that you love doing to save money definitely leave them in the comments section below to help others out save money just like you but anyway number seven we're talking about basically skipping a meal or combining meals let's just say most people they go breakfast lunch and dinner you got to take time and money for each of those meals so obviously I usually do this during the weekend because you have a little bit more time I kind of have a later breakfast and an earlier lunch so you combined one giant meal like a brunch I guess you can call it so one meal it takes less time it's less money and then you just have maybe like a smaller dinner later on in the day so you're not wasting your time and money on two meals you're combining both of them and I think that's great during weekends because it just saves you it's not only the money part but it's also time you want time to relax during the weekend or do anything that you actually like to do so I think this is actually a great tip number eight which I get a lot of joy from for whatever reason and I don't think a lot of people utilize this as much as they should a lot of people have no idea to focus on their bank accounts I focus a lot on my bank account so I put most of my money in a money market account right now I'm getting like 2% rates could be dropping so it might not stay like that but I'm keeping all my money in a money market or most of my money in a money market account to get interest instead of like a savings account that doesn't really give anything or your checking account which gives absolutely nothing so no matter if you're getting you know a few extra bucks in your money market I keep it all in there so as we're talking about money markets we're gonna be moving into number nine is using credit cards a lot of people are gonna hate that you Dave Ramsey fans I completely understand for most people they're horrible things you just spend a ridiculous amount you don't even think about it and you lose a lot of money like that and this cash back option is what hit people even more because hey spend more save more spend yes spend more you save more no that's dumb don't fall into that trap but if you're smart and wise and could actually manage your money a little bit that's why I personally like it is that one I get cash back on credit cards again you're not going to become a millionaire from it but I get a few bucks back of just necessary purchases by the way I'm not just spending more to get more cash back I spend it on gas food that's it and wile I pay that money back every single month by the way never pay money on interest just pay it off every single month I set that up with my money market account so going back to number eight so I try to keep all my money in my money market account I schedule the credit card payment for let's say the 25th so I keep all the money in the 25th and when that comes around there's an automatic transfer from my money market to pay off my credit cards it is probably insignificant I might save a few cents maybe few bucks depending on the amount of the bill but when you keep that money in that account as long as possible you maximize your interest if your frugal this could definitely make you happy a normal person probably won't so if you're liking these so far and you're not a normal person whatsoever just like myself give this video a thumbs up if any of these are helping you so let's move on right into number 10 which is entertainment I think entertainment is very very important because of course we got to enjoy life a little bit but a lot of people spend way too much money on entertainment they go out every weekend they go to concerts all the time and trips all over the world and I'm not saying to not do that but when you really enjoy the small things that's what life could be about so for my entertainment I actually find a lot of entertainment on just YouTube I'm crazy enough I think I find myself entertaining sometimes but just other channels not only no financial channels I'm into video games so I watch that maybe some cooking maybe some people falling down stairs or whatever you find interesting YouTube is a great platform because it's free it's entertaining and you could definitely it's like a part of a community you could leave comments piggybacking off of entertainment number 11 I used to be a huge video game nerd in school still play it not as much thank God it consumed my life but that is a pretty cheap form of entertainment for me personally I enjoy it and you really especially if you're into like older games you could enjoy for hours days weeks even years after spending 10 20 30 dollars and then you're just entertained forever so that's why I enjoy video games and I usually play with my brother so it's good quality time as well number 12 I just started thinking about this it kind of works it really depends on the type person you are but this is I am involved with a gym membership and I do believe that people should be active possibly go to the gym if you want to save a few bucks there by all means but I do like going to the gym every so often to just stay active lift some weights just to you have one body you got to take care of it however to save a few bucks and this is just to like save money on gas essentially to not go to the gym for a leg day or if you just want to like walk around instead of driving there driving back if the gym is far from you you save even more money miles on your car you just walk around your block it's quicker you walk around your block around your neighborhood you could walk with someone you get outside instead of just staying inside all the time and just enjoy it that way number 13 which I recently got into sticking with the gym idea sponsored by Planet Fitness no I'm kidding maybe in the future but I do go to Planet Fitness so if you guys do plan on going to like a cheap gym it's ten dollars a month to take care of yourself for ten dollars a month that's not expensive that's actually very very cheap so I actually have the black card membership and I'll tell you why because I have an office job and I had some back problems and in the past and I used to go to a chiropractor so no I go to the chiropractor he cracks your back you get scared you think you're gonna get paralyzed he breaks your neck and everything and that's not cheap chiropractors I mean the one I went to have forgot the exact price but they could definitely get up there especially when you go there often some people go weekly I used to go monthly but you know you spend a couple hundred bucks will Planet Fitness Black Card membership has massage chairs so for an extra ten dollars a month I kind of have a chiropractic massage on my back for just ten dollars you enjoy it you say down so you save actually a good amount of money might not be like to the maximum benefit of a chiropractor but it's better than nothing so that's what I like to do next number of 14 of course i goddess peaked on my investing side is I personally invest my money versus using some like a financial adviser to save me money well they don't save your money at all really because you're gonna pay them expenses you're going to pay them fees so you're overpaying for usually under performance if you guys are interested in investing of course I have other videos like that but a lot of people have no idea so they pay these people which usually aren't the best so I usually just invest my own money a lot of people just love index funds and you could save a ton of money that way just fun fact for you something that I found disgusting 401ks if your company you know provides this for you you would want to save for retirement and everything the average person for a 401k pays a hundred fifty thousand dollars in fees without even knowing when I found that out I thought that was disgusting because they're just fees for the 401k there are fees for mutual funds when you minimize those fees you know that could be saving you hundreds thousands tens of thousands or even more throughout your life especially with compound interest and everything like that so that's why I just invests in my own investments even just like Vanguard because their fees are very very low that's a huge benefit of being frugal that I love it's not only being frugal it's just a smart way to invest and the next thing that I like saving money is more of just like accounts of high interest savings accounts or any other types of investments so if you don't want to let's say in best for you no more risky things this is more on the safe side so you can get into money market accounts kind of mention this a little bit before but it is separate from a savings account they kind of have benefits of both the checking and a savings I go to a credit union definitely recommend it because they're not for-profit and you can get more interest better rates even forever other things like mortgage car car loans or anything like that so definitely recommend a credit union and they have good money market accounts so I like money market accounts versus like a savings account if you're into t-bills that's investing in let's say like the government you could invest like one two three months I'm not going into much with that just interest rates are really weird right now it doesn't make sense to invest in them right now because like a lot of money market accounts are actually paying the same as a t-bill so right now might not make sense now that's just me personally some of these make complete sense some of them make no sense so you would have to make the decision on that whether you like that or just hate some ideas I do believe that you know saving a few cents doesn't always make sense since since anyway I would actually recommend because we have limited time sometimes I would actually spend more money to save time so that's something that I would definitely leave you off to think about so if you guys have any questions comments concerns please leave them down below I love would love to hear what you have to say so thank you so much for watching guys really appreciate it and I'll see you in the next one