saving money

[ethanryan]

hi, does anyone out there on a low income with a family still manage to save money each month. if so how? do u have any tips. my partner works but is on a very low income, we get tax credits. but like this week i have not had tax credits cause of a mess up with there system, and we have no money to fall back on. if we have a holiday coming up i can save money but like now when we have n othing really to save for, we cant save. i think if we can save 200 pound a month for a holiday why cant i do this every month.
does anyone have any tips? i never have money for a rainy day but would love to be able to wake up stick the kids in car and take them to a fun fair or summat wiothout havin to save for a couple of weeks.

[tigwig]

you just need to be strict with yourself! If you have saved up �200 a month in the past you must be spending the money elsewhere now. You could set up a standing order from your current bank account to a savings account then that would be treated like any other bill. Also look at simple ways you can save like instead of buying lunch out for you and the kids have it at home instead or go to places that are free instead of soft play centres. Any loose change you have put in a box, I do this and when its full I put it in the coinstar machine in the supermarket then get money off shopping! Also any spare money you may have at end of week, put in envelope for those occasional days out. hope this helps!

[naflharrison]

consider selling all your unwanted stuff on ebay. if you use paypal you can leave what money you make in there until you really need it.

[beanebabe]

Work out what you actually spend your money on! Don't smoke or drink at the pub. Don't buy take aways, don't buy magazines or lots of new clothes. How often do the kids have stuff - sweets, little toys, Macdonalds, it all adds up. Trying to save �200 a month for a holiday is pretty unrealistic! You could easily get a trip (even abroad) for much less!

[thingummyjig]

give somebody else your shopping list; I did this (only by giving it to hubby who hates shopping) and saved �120 a month on my shopping bill - he wasnt tempted by special offers like I am! you could swap lists with somebody else who's trying to save and do them a favour!

[energysaler]

I would like to help you save some money in an area I am an expert in. I can practically get you a wholesale rate for your gas and electricity.

I have saved thousands of people money off their gas and electricity bills. You can view this as an investment which will cost you nothing and a pay rise to put towards whatever you want for the future. I have saved the average household as much as �400 a year, and its something we can do for you instantly.

I look forward to hearing from you.
http://www.energywholesaler.co.uk

[kurdapya69]

try this it works for me www.saversclub.us