How to save money when shopping

Are you looking for more value for money when you shop? Then step this way for hints and tips that can make your money go further.

Is looking stylish all about the money spent on an outfit? Not at all. In fact, it’s possible and quite easy to dress in style while staying frugal. These days people no longer boast about how much they have spent on their wardrobe, rather they wear their bargains and the savings they have made like a badge of honour, proving you really can look good for less.

The same is true when it comes to all our shopping. Budget supermarkets like Lidl and Aldi are busier than ever as people look for value from their shop, and want to make savings that can really help when it comes to budgeting. The same is true of both BM and Home Bargains who offer real savings on home wares and toys.

Here I am showing you five clever ways to save money on your fashion and your general shopping without sacrificing quality and good looks.

  • Browse for sales. Gone are the days when one had to travel long distances to shop. Today, the world’s top retailers are available for you at the click of a mouse. Moreover, it’s possible to come across sales that offer up to 70% off at websites selling clothing and footwear by top brands by searching sites like Brand Alley and The Outnet. Sign up to email alerts so you know when sales are about to start, this will avoid you missing out on a bargain.
  • Search for coupons and latest deals. When at a store ready to check out, use your smartphone to search for clothing coupons. There are plenty of popular applications for Android and IOS.  You can also try Shop It To Me service to get regular notifications of your favourite brand clothing available on sale. Similarly, before you shop check out https://frequent-ads.com/ for the latest deals, both online and instore, this will ensure the price you pay is the best price, and may also alert you to BOGOF offers or flash sales.

  • Have a look at Charity Shops and discount shops. As we move towards a more eco friendly form of shopping, don’t forget that charity shops offer really good quality clothes at bargain prices, and do something good for both the planet and charity, stopping used clothes going to refill and supporting a good cause. In addition, discount shops and outlets can offer last seasons clothing items at bargain prices.
  • Look for clearance items. Online retailers sell out of season clothes and footwear with great discounts so keep looking for clearance items. Buying winter coats in spring and bikinis when summer is over is totally worth it.
  • Sign up for newsletters. Newsletters are a great way of finding out about sales, one day events and discounts on all your favourite products. Most online stores have them and you can also be rewarded for your shopping loyalty with special offers on your birthday, so they are definitely worth a look.

As can be seen, shopping doesn’t always have to mean spending a fortune. Shop cleverly and you will have extra money in your account at the end of each month.

 

Savvy Student money tips With Cobalt Advisors

It has been quite a while since I was a student, but one thing I remembered clearly was having to pay off a hefty student loan at the end of my studying time. It took many years to finish paying off the student loans I accrued during that time. University is a time that should be one of the most fun experiences you will ever have, but, when it comes to money, you can end up building up debts that you will  be paying off for a long time, even as you are trying to sort your finances for life after study. So being a savvy student when it comes to your dosh is an option you should definitely be trying out.

In my student days.

In my student days.

Tips With Cobalt Advisors

Some debt is virtually unavoidable, but there are things that you can do that will help you manage your finances a little better. Here are my top five tips for being a money-savvy student.

  • Open a student bank account. A good student bank account will offer a good rate of interest on any savings, and an overdraft facility that is free. The TSB student account also offers a free £10 overdraft buffer, which means you won’t pay any overdraft fees or interest if you go overdrawn (either Planned or Unplanned) or exceed your Planned Overdraft limit by £10 or less.
  • Look at your credit cards and make sure you switch to a low interest card like those from Cobalt Advisors, then keep this in a special place for a rainy day. You never know when you might need instant cash for an issue – car trouble, an unexpected bill, so having a card that you could use without massive interest accruing is both useful and sensible.

Irish Students Marianne and Connell in Normal People

  • Look for a part time job. During my university days I worked part time in a shop to top up my income. Even a few hours a week can help to alleviate money worries. Student towns often have seasonal work, bar work etc. Look at things like stewarding at sports events and other jobs that can work at the weekend. Most students do not spends all day every day in lectures, so use some of that spare time wisely.
  • Budget. Writing a plan that shows what money you have, and what you need to spend it on is essential for avoiding excessive debt. Having this information down on paper shows you what is left once your bills and books are paid for.
  • Being a savvy shopper – budget supermarkets, charity shops and jumble sales, you can still shop on a budget. I lived in Birmingham’s Rag Market as a student, and totally loved my look. These days Charity shops have everything from Vintage to designer so you are sure to be able to create your own look at a budget that suits.
  • If you do need to get a loan, get a student version with low interest, that doesn’t have to be paid back until your earnings reach a certain level.
Some of my fave students - Fresh Meat.

Some of my fave students – Fresh Meat.

These are my tips, ones which I used when I was a student. You can find more useful tips in this savvy students guide.

Do you have a tip you could share?

A few holiday Essentials

As we reach the end of February, our thoughts are finally turning to Summer days. Many of us have already booked our Summer holidays and are starting to list what we need. Holiday season is just around the corner, and with half term this week, people have already started jetting off to enjoy some much needed sunshine. But it is no secret that holidays, as well as being a time for fun, relaxation and excitement, are also a time that can prove to be very expensive. Travel money, holiday wardrobes, travel insurance, new luggage, all of these things can add up and make even the most budget of holidays rather more expensive than you may have budgeted for.

So this post is about planning ahead, not leaving all that shopping for holiday essentials until the last minute. A few bargain buys will update your holiday wardrobe without breaking the bank. Don’t forget to check out your local supermarket brands for bargains, Morrisons have an adult range as part of the Nutmeg range, whilst some branches of Poundland are stocking the budget brand Pep and Co in their stores. There are also a couple of ideas for must have items, investment pieces that you will be able to use year upon year.

Swimming Watches

If your holiday is one of water adventures, then it could be worth investing in a swimming watch. Swimming watches for women are stylish and durable, and are great if you want to indulge in scuba diving, swimming, water skiing, or any other kind of watery activity. These days a waterproof watch doesn’t have to be bulky or manly, it can actually have a sleek and stylish design.

A Maxi Dress

A maxi dress is perfect for evening drinks or daytime sightseeing. it can also double up as a pool coverup, or you could add a denim jacket and it will be great to travel home in. Choose a pretty pattern for extra style points.

Sandals

A cool pair of espadrilles will work for holidays and festivals alike. Add in a metallic touch, and you have a shoe that is stylish and versatile. Try to choose a pair that will work with most of your outfits so you can cut down on the packing.

Beach Cover Up

A beach cover up can look so much  chicer than a sarong, and this black dress has an interesting back detail. This means that it would also work for drinks after dark, just add a pair of statement earrings for an evening look.

A Hat

Protect your head with the coolest cover up around – it has to be a Fedora. You could travel in this to help it keep its shape, or pack your undies into it to avoid it being flattened in the suitcase.

 

A versatile Bag

Boho prints are another holiday fave. I love the pink accents in this tote bag, it looks like it has come straight from Talitha Getty’s 1960s Marrakesh wardrobe. This sort of bag would work for the beach, or for sightseeing.