At Debt Advisory Services (Scotland) Limited, we know the problems of living on a budget, or how easy it is to forget to. The stress of the modern world is largely a product of money issues, but saving money needn’t be problematic and can alleviate stress enormously in the long run.
You don’t need to deny yourself the things you enjoy either; with a bit of forward thinking and discipline, you can ensure that you enjoy the present whilst planning for the future. Let’s take a look at a few easy methods.
In a consumer-focussed world, there are temptations around every corner, especially for food. By planning what you need for the week’s meals (even with a few treats), you can save significant amounts of money by avoiding splurging on supermarket items that you happen to fancy, or seem convenient.
Planning your meals can also give you a set amount to spend, allowing you to accommodate for anything else you need. Likewise, try to keep it to one shop per week at the most.
If you’re going out to the pub in the evening, or shopping on a Saturday, it’s a great idea to take out only the cash that you have budgeted for.
Credit cards allow you to under-think and overspend – not considering the consequences of your purchases at the end of the month. Cash provides a reminder of how much you are spending that day or evening, and once it’s gone, it’s gone.
If You’re in Trouble, Talk!
Financial issues are far more common than you would think, and almost everyone has had problems in their life of one kind or another. It is hugely important to be open about any financial issues with your partner, family, bank or anyone else, and not to let it gnaw away at you or spiral out of control.
Debt Advisory Services (Scotland) Limited provide a friendly, understanding and professional service that can help you to make sense of any debt or worries that you might have, and recommend a way for you to iron out any problems, either before or after they occur; feel free to contact us today.