How to save money in 2025.

using a credit card for your day to day spending makes it easy to see, budget and watch how much you spend each month on impulse items plus separating spending from recurring direct debits also helps when looking for spends you can cut back on.  Just make sure you pay the balance in full each month to avoid any credit charges, or alternatively use a prepaid card that stops working when you run out of money.

I never automatically renew insurances without going on to the compare sites and other insurance companies that are not on the compare sites.   I do my car, house,  joint fuel and holiday insurances all online and get the best deal.  I don’t take out extra insurance cover on appliances but try to save in an extra account for any emergencies.   I am a pensioner so I have to be savvy with my pension so I try to bulk cook meals and freeze them, plus when shopping I look for reduced items to buy and if possible freeze them.

💰Change your banking every year and get the money benefits for joining new banks.

📺 Check your subscriptions or alternate between service from month to month.

☕️ Only fill the kettle with the amount of water you need. This can make a difference over time.

🔥 Hive radiator valves to only heat the rooms that are required. 

I always meal plan and check what is in the freezer to save waste and only buy what is needed for the week. I use the Olio app and that often supplements my budget by providing fruit and / or veg and occasional treats. 

Make extra food and batch cook, it's saved us lots of time and money. 

A key part is to pay the right amount for all your services.  Not necessarily the cheapest but the best value.

ID mobile is an easy one as it is both cheap and great value.

Harder to choose a good energy supplier as prices change all the time.   Perhaps best to do your research and choose a good one that fits your needs, and stick with them.

Insurance is a different matter as, whether it is car or house insurance, every renewal is an opportunity for them to rip you off.  Always check the market and then go back to them and ask for a better quote.

Many people pay more than they need for media subscriptions, particularly Sky.  There are better ways to access these with with searching around.  And perhaps you don't need them all?

But, overall, be realistic about what you can afford and try not to overspend.

Buy whole chickens or roasts instead of sliced meats and make your own sandwiches. Food prep is EXPENSIVE so do it yourself. A roast chicken carcass makes excellent soup for free.

Saving as soon as i get paid.

batch cooking food.

selling unwanted items on vinted

My top tips for saving money in 2025 are:

In colder months, layer clothing, close doors and ensure you close curtains as sun goes down. Make sure that the air in your home isn’t damp, as ‘wet’ air takes longer to heat up. Turn thermostat down by one degree, it really doesn’t feel any different (to me anyway). Turn boilers flow temperature down, 60 degrees is the best setting.

Use a dehumidifier to dry your clothes rather than a tumble drier. After putting clothes on your airer, position the dehumidifier so it’s not blocked by the wet/damp clothes and then I put an old double duvet cover over it all, this helps to keep the warm air in, therefore drying clothes more quickly and it also gives some heat into the room - bonus!

Use LED bulbs when at all possible, slightly more expensive to buy than filament bulbs, but they last much longer and are much cheaper to run.

If you have a water meter ensure that you don’t have any dripping taps etc, it’s amazing how much a dripping tap can add to your water bills!

Always use comparison sites (and check traders own site if not on comparison sites) to ensure that you get the best deal on insurance, mobile phone tariffs and broadband suppliers.

Avoid takeaway food, there a re loads of recipes for Fake-away food, that works out much cheaper, healthier and better tasting (even with having to cook it). If possible get an air fryer, it doesn’t have to be a big expensive model, there are really good deals in the supermarkets & shops for between £40-£50. They really do save money and there’s loads of hints and tips for meals on YouTube. I haven’t used my oven or hob for over 12 months, I’m lucky to have 2 air fryers, a large 9.5 litre one that sings and dances :))) and a 2 drawer one. 

Lastly, be shop savvy if you can, comparing prices in supermarkets, plan your meals in advance and stick to the shopping list!

Hope you all save loads!!!

When buying stuff ask two questions:

Do I really need it?

Can I afford it? 

Have a budget and plan ahead

The old ways are the best - look after the pennies and the pounds take care of themselves. Having said that, budgeting is key, making sure you stick to it and transfer any anticipated surplus to savings before temptation to spend it. Only ever use savings for unexpected urgent expenditure and always maintain at least six months’ of gross earnings as a minimum buffer.

Get yourself a good quality dehumidifier helps with drying clothes,condensation and helps circulated heat in the room better when your heating is on.Also recommend saving five pound notes when you get them soon mounts up and gives you a money pot for Christmas if you start beginning of the year

We found buying a humidifier for our utility room and having the washing on a clothes airer it dried quicker than using a tumble dryer and it only costs approx 70p a day to run…

We signed for a delivery saver which means we pay £4 a month to have our shopping delivered.. This saves on fuel, time and shopping hungry in the store which leads to more.

Use top cashback to get rewarded for shopping

Bulk buy when what you need is on offer

Use apps like Olio, Too good to go for saving food that is destined to be binned

For smaller shops, leave the car at home you’ll save on petrol and be less tempted to pick up things that are’t on your shopping list. 

Pay yourself first - when your salary is paid, calculate what you need to cover compulsory expenses, leave a buffer and move the rest to savings. 

Use a budgeting app to keep track of expenditures. For example, set a budget for different kinds of spending and track spending against this.

I’d suggest growing veg and planting fruit (raspberries and strawberries are great keep giving); fruit trees take a little longer.  Buy bare root plants, these are cheaper. Places like b&q will sell old stock that has died off, just replant and they will come back next year.   
 

keep an eye on deals at shops, buy bulk when good. 

Never shop when you’re hungry. You’ll be tempted by all of the foods that you wouldn’t normally buy. 

I have an electric boiler, I switch it off when I'm not using it. It saves me about £10 a week 

You've got to know exactly what's going out and coming in before you commit to any spending. Get those spreadsheets out and go through your bank statements.

Only buy it if you need it.

Stay away from coffee shops and pocket the money.

Get your home well insulated which can be free.

Buy low energy consuming products eg led bulbs.

Dont use electric fan heaters. 

I’ve set up a standing order to come out of my account, this automatically saves for me and I try budget with what’s left. 
I’ve also started making more soups, these are a great way of using any leftovers or foods that are going out of date. Also, prepping more foods on a weekend, portioning out and freezing, so I know we are eating healthy on a weekday and not eating out or using takeaways. This is great for the waistline and pocket.

When you get up and it's a bit nippy, instead of putting the heating on try some fluffy socks and a nice big baggy jumper that you can snuggle into. Having socks on stops you loosing heat from your body. Also put your radio on and have a little boogy around, this is fun and also will keep you warm 😍💃🕺

The data that I was given by Currys - Car Phone Warehouse is different to IS Mobile can someone phone me on 07973 155683