In my case, being retired it has to be the spending less option. This is something I have always had difficulty with!
Yet again, I am starting a new year with a resolution to spend less - always easier said than done. I am looking at ways of doing this, but before that I need to see where the money goes.
This can be a shock.
My wonderfully prepared budget has highlighted a few surprises (to me). I have discovered a few things, like not going out always saves money! Having a list before supermarket shopping, and overcoming High Street impulse buying.
Just after Christmas, I did just that. I was in HMV, where I saw a much reduced tech gadget in their sale. I was attracted to this item, and went in and purchased it without thinking. However, it turned out to be faulty and when I returned it to the shop, they had sold out, so I accepted a refund. This was lucky for me, and I resisted the temptation to look elsewhere. That was a close call.
Getting started with saving is the hardest part, once you start it seems to snowball. Getting into a routine of thinking before buying is also helping, but I know it will be an ongoing struggle.
