How to save money in 2025.

I'm not paid to say this but in November 2024 I found an app called Jamdoughnut. This app gives you cashback on gift cards you buy from them which are saved on the app and you just scan them at the till. I was in B&M and at in the queue I guessed my shopping was £60 so I ordered the gift card. I then went through the till and paid the difference as I was out by £5ish.but from my £60 purchase I got £4.50 in my cash pot which put me over 10.00 and then I ordered a costa gift card and went there and had a coffee and cake with may daughter. With money that I wouldn't have had in the first place. 

Saving cash doesn’t have to be hard!  Here are some tips that help me.

1. Automate your savings so a portion of your paycheck goes to savings before you have a chance to spend. If saving a lot feels overwhelming, aim for just £10 a week. It’s manageable and builds the habit.

2. If you’re subscribed to something that you no longer use, cancel it. 

3. If you prep your meals and avoid going out for coffee, you will save a good amount every week.

4. When you go shopping, always use cashback apps and loyalty programs, and compare prices online.

5. Get rid of useless things and sell the extra stuff you have lying about at home to earn more money.

It’s all about making small changes that add up over time. What’s worked for you?"

Make your own coffee and sandwiches for lunch at work etc. those odd £5s each day all add up. Buying coffee and lunch is a good £10 a day x 5 days a week is £50 a week, £200 a month - lots of more worthwhile things to either spend that on or save, pay extra off the mortgage and generally put to a more rewarding use?!

Increase your chances of getting expensive keys back by putting a tag with your mobile number on the keyring

ebay seller will make one for a couple of quid 

My savings tip is that every day we must all put all our change into our made up cereal post office bank box this will help us with spending money for holiday break come Easter 

Two energy saving tips:

Your electric kettle is one of the highest energy rated appliances in the home, and you will waste energy and cash if you boil more water than you need to. So keep a note and measure out exactly how much to boil, for a mug or pot of tea, etc, and:

Once you've finished with a hot water bottle or the remains of what you've heated up in a pot or pan, let it cool with the lid on before disposing of the contents. Better that it heats your home as it cools, even if that's just a little, rather than heat the drains or your outside bin.

It all adds up in the end.

With tv subscriptions make sure you set calendar reminders in your phone diaries to cancel renewals after free trial periods. You can get lots of free trial periods with new hardware purchases like Apple TV. Also good value use of Tesco clubcard points can be used for your Disney plus subscription. I can’t remember when I last paid for my Disney plus subscription!!

If your in the house when your heating boiler kicks in and your already feel comfortably warm, then turn your thermostat down a degree or two.  

Don't take your credit card shopping. If you see anything you want, you'll have to go back the next day and take your credit card. By this time you'll probably realise you didn't want it that much anyway, and not bother.

Sim only deal 📱 😊 

We heat our kitchen 2 hours for getting up for breakfast, so I do my cooking in the early morning while it is cosy. Throughout the day we only heat one room, the lounge. At meal time I pop to the freezing cold kitchen for 5/10 minutes and heat up our food, rather than requiring heating on again at 6pm to cook. 

Don't let the fact that you can't save large amounts put you off, every little helps!

Use a 'round up' function, if your bank has one. They round up your spending to the nearest pound, sending the spare change to a savings account. E.g. if you spend £2.30, it'll be rounded up to £3 and 70p will be sent to your savings account.

Automate as much as possible - work out what needs to go where and then automate everything so that your salary comes in and is sorted for you (newer banks like Monzo are excellent for this). A certain amount goes towards savings, a certain amount towards fixed costs (rent, mortgage, bills, food), a certain amount towards specific goals like holidays etc. This takes the thinking out of it each month and lets it take care of itself. 

Only buy what you need, look at how to use all of your food items to make better use of what you have and therefore waste less and, saves buying additional food. It will also help you become more adaptable with meals AND feel good about spending less whilst using items you already have.

If your property has solar panels, try to use the high energy using appliances when there is daylight, e.g hoover, electric oven/hob, washing machine etc. 

Take the time to understand what you spend, and create a budget accordingly. The hard part - stick to the budget as best you can. Then review this if something isn’t working.

Always rob the bank for more than you need! 

🤘 

It’s not really how to save but I find that if I move any leftover money from my salary into a different bank account/savings pot each month then that builds up

With the cold winter months ahead, rather than use a Tumble Dryer, invest in a dehumidifier.
Put this in a room, hang your clothes on a drying rack, shut the door and leave overnight. 
Your clothes will be dry in the morning and its a fraction of the cost compared to running the dryer.  
It also leaves your radiator free to heat your house efficiently. 

You can pick up a decent dehumidifier for around £100. Yes, this is an upfront cost, but over the years you will most certainly get that back and more. 
 

I take all my advice from ID. The best people to turn to for saving money

Budget, use cashback sites and voucher codes for big transactions. Go on Martin Lewis website for help with energy bills, banking help and advice. 

Treat saving like an expense and put a budgeted amount away every pay check. 

Resist buying things that aren’t necessary for yourself and your kids - helps to educate them over money for the future too. 

Use sites like Tom’s Deals and Hot UK Deals as you can get some bargains but don’t be tempted to buy what you don’t really want or need just because they are cheap.

Keep the thermostats a little lower for the heating and wer warm layers.  Save water by using grey water for the garden.  Get fabrics from charity shops and make them into new clothes.