PUTTING pay to those flabby financial habits in the New Year will help you save more and waste less.
So here’s how to kick off 2023 with a keen eye on the money . . .
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KEEP TRACK: You can’t manage what you don’t measure. From ignoring bank accounts to not working out the spending, we are all guilty of these things at some point.
Start by looking back at your December accounts to see exactly where your money is going.
Once you know, plan essential outgoings for January and look at the other spending you could trim, pause or stop.
PLAN MEALS: The big shop is one of the largest outgoings, especially for families.
If you haven’t made a meal plan already, start now and then downgrade all the big-brand items to supermarket-own items.
Tesco has an easy digital meal planner at realfood.tesco.com.
Many of us have already tried that but go one further by swapping fresh for canned and frozen.
Download the Shopmium.com app to get exclusive vouchers for individual products.
Most read in Money
AUTO DRIVE: Most banks have a “round-ups” feature for saving cash, or a reward account that offers money back just for logging into online banking or switching direct debits.
The NatWest Rewards account has a £2 fee per month, but get £4 cashback with two direct debits and logging into online banking once a month.
Automate your cashback by adding your bank cards to Airtime Rewards to make extra money while spending both online and in-store.
ADD THE EXTRAS: Use topcashback.co.uk and quidco.com at the start of every online shop to get a little back at most major retailers.
Sign up to brand newsletters for new customer discounts before big purchases.
Log in to loyalty card accounts and check for extra offers, partner discounts and check the balance for all points so you can spend them or even swap them for better-value store vouchers.
- All prices on page correct at time of going to press. Deals and offers subject to availability.
Deal of the day
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WARM up in a premium soft hoodie blanket, reduced from £89 to £49 at kudd.ly. It’s perfect for cold nights.
SAVE: £40
Cheap treat
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STILL nursing a New Year hangover? A four-pack of Lucozade Sport is down to £3 from £3.75 at Morrisons.
SAVE: 75p
What’s new?
KICK off Veganuary at Aldi. Landing in stores today is the new Plant Menu tofu block for 99p – one of the cheapest on the market.
Top swap
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TRY Redken acidic bonding concentrate shampoo £20.70 for 300ml at lookfantastic.com.
Or Wild Science Lab’s smooth start bond reconstruct shampoo is £12 for 250ml at wildsciencelab.com.
SAVE: £8.70
Leah’s little helper
STAY healthy thanks to the Holland & Barrett Value vitamins range, new on shelves this week.
The products include vitamin C, calcium with vitamin D, cod liver oil and glucosamine sulphate for both kids and adults.
Each bottle, which has a month’s supply, is £1.50.
Shop and save
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MAKE dinner easier with a Scoville 30cm non-stick frying pan. Was £21, now £14 at Asda.
SAVE: £7
Hot right now
THERE is still time to take advantage of the bargains in the jdwilliams.co.uk sale, with up to 60 per cent off top brands.
PLAY NOW TO WIN £200
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JOIN thousands of readers taking part in The Sun Raffle.
Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.
Every Sun Savers code entered equals one Raffle ticket.
The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!
