Where are you losing money on your house?

Are you losing money on your house by paying for things you don’t need?

We all like to cut corners from time to time to meet the budget requirements. This might be taking some things out of the food shop because you’ve gone over your weekly limit. Or perhaps deleting your Netflix subscription because you can’t remember the last time you used it.

You want to provide as much as you can for your family. Yet you have to save money all the time just in case something goes wrong. But how is it you’re left with hardly any money for yourself? But have you ever looked at your finances to see how you could be overspending?

So where could you be losing money on your house?

All the channels

Look at what we have now at our fingertips: smartphones, computers and tablets that all have access to YouTube, Netflix, Amazon Prime and a whole list of other free media outlets. You can search online for your news and read full-length articles by professional publications. Do you really need all the channels nowadays?

New media or alternative media is making leaps and bounds. You still need the basics, but in truth, that’s about it. That’s why you should switch to freeview installation. You get the basic channels that you need such as BBC, Sky TV, Channel 4, etc. With these, you get news, documentaries, sports and movies that are displayed on the main corporations’ primary channels. However, you don’t pay the premium prices. This will stop you losing money on your house. 

 

Landlines…still?

Landlines are one day going to die out; it’s just how technology moves forward. It’s happening already with more and more households doing away with their landline number.

Usually, it comes with a broadband package but this, of course, costs more. Everybody and their mother has a mobile phone. We’re now obsessed with them so why shouldn’t they be our main source of telephone contact with the entire world? See if you can get rid of your clunky landline phone and save extra money in your pocket each month because of it.

Me and Jay saved £10 per month by switching from free anytime calls, to free evening and weekend calls. We might consider getting rid of the phone altogether to save even more.

 

Not having before-stops

If you have multiple young children and pets, you know how easily a lovely carpet can get ruined. You’ve just spent money on having the downstairs recarpeted, and then the kids come running in from outside, leaving muddy footprints all over it. If you live in a part of the world where rain is frequent (the UK), you know how imperative a mat of some sort is.

You need a stopping point before people enter the home, which is why mats are there. Wiping your feet before you go in could save you money on carpet cleaners, wallpaper solution and a heap of sponges. Do not get a bristle mat; it doesn’t work as well as a dirt trapper made from synthetic fibers. It might be a small change, but one that could make a difference. 

 

There’s leakage in every budget here and there. You should sit down and take a look at everything that comes out of your account. Don’t forget you can barter with certain companies too. I reduced mine and Jay’s BT bill by £15 just by phoning up and saying that our bill was too high. Do you really need to buy 3 bottles of wine a week with your food shop? Do you need an Apple Music account AND Spotify? Work out what you don’t need, and take it from there to save some money. 

Unusual Ways to Save Money

I’ve always been a thrifty person, so when I heard about some unusual ways to save money, I wanted to share them with you so everyone can feel the benefits. 

Things have been kind of difficult this year, financially. We bought a house in January, and then spend £10k renovating it and doing it up. We’ve finally started saving for our wedding, which needs to be paid off in 6 months. In that time, we need to save £4.5k. Which works out at £750 per month.

At the minute, we just can’t afford that. We pay our mortgage and bills. We’re still paying for some small jobs to be done on the house. We have Christmas coming up, and I’m still paying off my laser eye surgery on a monthly basis.

Basically we have too much going out and only just enough coming in. So I started looking for unusual ways to save money.

Surveys with Pinecone Research

I regularly do surveys with Pinecone Research. The surveys usually last around 10 minutes, and I get paid £3. Not much, but in nearly two years, I’ve made around £70.

The surveys only come about once a month, or once every couple of weeks. Sometimes I have around 3/4 emailed to me in one month, and then nothing for 6 weeks. You can save up your £3 or withdraw it using Paypal as soon as it arrives in your account. It’s the best paying survey site I’ve found.

Occasionally they send you products too. I’ve tested washing powder, foundation and Pringles (yum!).

TopCashback

When I heard about TopCashback through a friend, I was a bit sceptical. Can you really make money back on most of your purchases?

Well, yes. Looking at their website, they have hundreds of brands that everyone has heard of: M&S, Boohoo, John Lewis, NowTV, Virgin Media, Mothercare, Booking.com.

You can save on electricals, holidays, travel, clothes, mobile phone contracts, even insurance and utilities.  

 

At the moment, Very.co.uk is advertising 7% cashback for new customers. If you spent £50, you would receive £3.50 back in your TopCashback account. When you’ve reached a threshold of £20 minimum in your account, you withdraw it back to your bank account. It really is as simple as that.

Christmas can get so ridiculously expensive, so sign up and at least get some money back on the presents you buy. If you spend on average £500 at Christmas, and get between 5% and 10% cashback on all purchases, you could get between £25 and £50 back for doing absolutely nothing different.

Sign up today to start saving some money!

 

I use both of these unusual ways to save money to help me save extra each month, Although they’re small amounts, they can add up quickly. Every extra that I earn goes into my wedding savings account. I’m hoping to have added an extra £100 within 6 months.

Do you have any ways of adding additional money to your account each month?

 

This post is not in collaboration with Pinecone or TopCashback, I just really love these sites as an additional way of making money.