If you’ve found yourself clicking on this article, it’s probably for a reason; you’re in the red, broke, bankrupt, bust... and desperately looking for a way out!

Well do not fear because Women24 is here to rescue you!

We have put together a list of some of the best, most effective money saving tips to help you out of your financial woes.

 




Make a budget

First, and this is very important, you need to come up with a strategy to take control of your spending!

Make a spreadsheet, draw up a budget or just sit down and take a good look at your spending habits. Find out where you’re going wrong and what you’re splurging on that you don’t need.







Get rid of what you don’t need.

De-clutter your life and get back to basics. Maybe sell some of your things on Gumtree or have a good old-fashioned garage sale! You are probably living beyond your means and by freeing yourself of some of the things that got you into this position won’t only be good for your bank-balance but good for you as well.



Learn to say no.

Everyone has that one friend that they just can’t say no to. That friend that turns ‘just one drink’ into a crazy bender neither of you can afford. We know it’s tough, and we’re not saying you should turn into the fun police, but saying no just a few times a year will do wonders for your bank balance, and your headache the next day!

So, a little bit less of this:



Might mean a little  bit more of this:



Forget about the Jones’s.

Keeping up with the Jones’s may feel good for your ego but we promise you, it’s not good for anything else. Remember, everyone’s financial situation is different so before you put down that deposit for a flat screen TV, think about why you’re buying it and if you really need it.




Next time the 25th rolls around.. instead of eagerly doing this:





By changing your attitude towards your bank account, you really will start to see changes, however hard it may seem!

But if all else fails....





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Read our GIF article on how to save petrol here