Our Top 5 Money Saving Tips

Saving money is not an easy task regardless of your income or financial situation. Taking a holiday or making a big purchase can sometimes seem an overwhelming prospect but by following our tips and making small changes to your spending, you can save a little every day, and you might be surprised at what that little saving adds up to over time!

Make a Plan

The first and most essential step towards saving is sorting out your finances. If you have any debts, find out if you can consolidate them to save money and help keep track.

Work out if you have any loans or credit cards you could pay off early if you rearrange your payments. Set yourself a realistic savings goal to help keep you motivated - having something to look forward to as a result of your efforts can really help to maintain focus.

Switch Your Providers

Between utilities and communications you have many options to cut your spending by switching providers or changing your plan. Start with your energy bills – can you get a better deal by changing your electricity or gas provider? Some power companies offer perks for switching such as free energy or a reduced initial rate. Next take a look at your internet and mobile phone plans – check how much bandwidth, data or talk time you’re paying for versus how much you actually use. Often these providers are willing to negotiate prices if you’re considering leaving them.

Rethink Your Entertainment

Take a look at your entertainment services such as TV channel subscriptions and on-demand services. Consider how often you use streaming services compared to downloads or live television. Do you really watch all of the channels that you’re paying for, or could you use free-to-air or on-demand rather than pay TV?

Signing up for these services for just a few dollars at a time feels insignificant but payments add up to a surprising amount over the course of a year.

Save the Planet

Taking more care over your utilities bills is good for the environment and good for your bank balance! Reduce electricity consumption by turning off lights when you leave a room and unplugging devices that you’re not using. Avoid using a tumble dryer when you could be drying laundry for free outside, or turning on heating instead of putting on a jumper.

Be mindful of your water use when showering or brushing your teeth and only use washing machines and dishwashers when they’re full. Fix leaks – not only are they irritating but they’re costing you money every day.

Bank Smart

Many of us have had the same current account, savings schemes and credit cards for years without even considering that they could be moved. Most banks offer perks when you switch so shop around for the best deals and don’t be afraid to move your money around to take advantage of short term offers. It may sound complicated but most of these changes only require a phone call or a few clicks to complete.

If you think a short term loan could help your situation then call Chequers Finance now on 09 299 7883 or visit our website for more ways to get in contact.

Saving money is not an easy task regardless of your income or financial situation. Taking a holiday or making a big purchase can sometimes seem an overwhelming prospect but by following our tips and making small changes to your spending, you can save a little every day, and you might be surprised at what that little saving adds up to over time!

Visit us at any of our branches:

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Chequers Finance Hamilton

Caro House
137 Alexandra Street
Hamilton
Phone: 07 838 2939

Chequers Finance Henderson

334 Great North Road
Henderson
Auckland
Phone: 09 836 6201

Chequers Finance Papakura

155 Great South Road
Papakura
Auckland
Phone: 09 299 7883

Chequers Finance Otahuhu

13 Criterion Street
Otahuhu
Auckland
Ph: (09) 276 4384