A SUPER-saver mum has revealed how she saves up to £300 a month using the ‘three day rule.’
Annie Ley, 24, from Swansea, says that small changes have meant that she’s almost got enough for a house deposit.
Speaking to LatestDeals.co.uk, she explained: “This year I’m on a mission to spend far less and save much more in order to go towards a house deposit.
"I stick to the three-day rule – if there is something I see that I really like the look of but isn’t essential, I take a photograph or screenshot of it.
“If I still really want the item after three days then I will go back to get it.
“This stops impulse purchases and makes you really think about the price and if you really need it that much or if it will end up dumped in a drawer or cupboard.”
But it isn’t just the three-day rule that Annie sticks to to save money, and says that she plans every shopping trip to make sure she’s not over spending.
She continued: “Firstly, make a shopping list before you go with a budget, and make sure to stick to it so you don’t get drawn into offers and marketing gimmicks.
Most read in Fabulous
Prince Harry declares WAR on royals with threat to sue unless security is paid
Harry 'miserable' as new life in US 'far from what he hoped for' says expert
Charles 'invites Harry & Meghan to stay' but security row puts reunion in doubt
Meg 'WON'T return to UK' as security row is 'good excuse', blasts expert
"Sometimes it isn’t always the best deal, even though the supermarkets try to portray it as one with their bright colourful signs. That way you only buy what you need when you need it.
“Try and buy reduced goods if you can – the best time to go shopping is at 7pm – but only if you definitely know you are going to use it or if you know you can freeze it.
"Sometimes although the price is really good if it ends up going off before it can be used, it’s just wasted money and wasted food. I’ve been caught out in the past with this before!
“And take an inventory of what you have actually got in the freezer, especially if you have more than one, as it can be easy to lose track of what you have bought.”
Annie also recommends signing up for loyalty card schemes and taking your own carrier bags to save on paying for bags for life.
And she has a blanket rule against having shopping or takeaway apps on her phone and unsubscribing from newsletters to avoid temptation.
If you do have to make a purchase online, Annie says there are ways to save more money.
"Always use promo codes – I rarely buy anything online without a promo code now,” she says
“There are some great apps and Facebook groups out there where people can share discount codes with one another, and some can be up to 25% off.
“Also, there are some great desktop browser extensions such as Honey and Pouch which automatically search for discount codes.
"Use cashback websites if you can’t get a discount code – for example with insurance or websites that don’t offer promo codes.
"Last year I received £50 cashback on my car insurance through Quidco – which then covered the cost of the breakdown service for that year.
“Also, save those receipts! There are a few apps that reward shoppers for uploading copies of their receipts to see what people are buying, such as Storewards, Shoppix, SnapMyEats and HuYu.
"It’s not a huge amount per receipt but it all adds up and you can get rewards in the forms of Amazon gift cards or cash directly into your bank account.”
Annie has even worked out how to wangle herself the occasional freebie.
“To get freebies, there are some great apps like CheckoutSmart, GreenJinn, Shopmium and ClickSnap which allow you to try new products for free,” she says
"In the past six months, I have had over £200 of freebies from these apps alone (I wish I knew about these sooner!).
"There are also some great websites and Facebook groups which share freebies on them too, everything from free samples of skincare products or perfumes, which are great for on the go, to free baby products and more!
"Another great one to sign up to is phone rewards programs like O2 Priority and Vodaphone Veryme – you can often get some great freebies like free coffee or a treat from Greggs and cafe Nero.
"Facebook Marketplace is a great way to get freebies too, in particular toys and furniture – some items just need a bit of cleaning up or a bit of paint and they are good to go.
“So many brands also offer competitions and giveaways on their social media pages.
“When I had the time during the first lockdown, I used to enter so many and I won thousands of pounds in prizes, from a camera bundle worth over £1,000 to luxury skincare or makeup prizes, electronics, toys, games, clothing, cash and gift cards.
“Using these tips, I estimate I save around £300 a month!”
Tom Church, co-founder of LatestDeals.co.uk, comments: “Whether you’re saving for a holiday, car or house, just the thought of starting to save can seem like a hugely daunting task.
“But Annie’s clever hacks have proved you don’t need to change everything overnight to make meaningful money-saving changes.
“Every little helps, so whether you use cashback sites to buy those essentials, or make an inventory and shopping list before heading to the supermarkets, you’re already making a difference to your bank balance.
“Before you know it, saving will be second nature, just like it is to super saver Annie!"
Source: Read Full Article