AS the cold, dark nights draw in, why not cosy up in front of the fire and give your finances the once-over?
Managing your subscriptions and looking at ways to cut back can be helpful in the lead-up to Christmas.
Here’s how you can use the colder weather and darker evenings to stay in and sort your finances[/caption]
Here are some tips for boosting your bank balance.
SORT YOUR SPENDING: Audit your outgoings and put a reminder in your calendar to do this once a month.
These check-ins will help you identify areas where you can cut back and save more effectively.
Try the free Snoop app, which connects to your bank accounts, tracks your spending and sends handy alerts about what’s in your account, plus upcoming bills, so you can make sure you stay on the right path.
GO ON TRIAL: Free trials from streaming platforms, fitness apps or meal kits are a great way to save on costs.
But mark up calendar reminders a few days before any trial ends so you don’t get hit with surprise charges.
Check if you can cancel, pause or switch any services to save cash. Film buffs can currently get a 14-day free trial for the BFI Player.
Amazon Prime is offering a 30-day free trial for new customers and you can trial Spotify Premium for two months before committing.
BUST YOUR BILLS: Go through your bills and pop renewal dates for things like insurances and software licences in your diary. Many will auto renew, which can lead to surprise charges if you’ve forgotten about them.
Always read the fine print on any subscription to avoid being caught out. By setting reminders a week or two in advance, you have time to decide if you still need the service.
PLAN PRESENTS: It helps to spread the cost of gifts across the year rather than splurging last-minute. So set birthday calendar reminders for the next year — now!
Also, programme an alert for six months before special occasions so you can start setting aside cash for gifts or even pick up pressies in the sales.
If you like sending e-cards, save your birthday dates at moonpig.com and they will send you email reminders a few weeks prior.
- All prices on page correct at time of going to press. Deals and offers subject to availability
Deal of the day
These Clarks suede shoes are currently half-price[/caption]
SLIP on a comfy pair of Clarks Desert Trek men’s suede shoes, currently in the half-price sale. Previously £125, now £62.50.
SAVE: £62.50
Cheap treat
This toffee apple from Morrisons is now on offer[/caption]
BITE into a Morrisons toffee apple, perfect for Halloween parties. Currently 80p each, or get two for £1.20.
SAVE: 40p when buying two.
TRAVEL further for less. O2 Virgin Media customers can claim selected railcards for £10 instead of the usual £30 via a code on the Priority app. One thousand codes will be released at 9am daily until November 9.
Top swap
Grab these Sweaty Betty power leggings for £88[/caption]
SWEAT it out in a pair of Sweaty Betty power leggings, £88, or pick up a pair of Decathlon Domyos leggings, for £24.99.
SAVE: £63.01
Little helper
TREAT kids to a King Jr meal at Burger King, free with every purchase of an adult meal until November 3. You must order via the Burger King app to claim the offer.
Shop & save
McCain Air Fryer Quick & Crispy French Fries are down to £1.87 at Iceland[/caption]
GET dinner on the table in five minutes with McCain Air Fryer Quick & Crispy French Fries, usually £3.74, now £1.87 at Iceland.
SAVE: £1.87
Hot right now
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