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How to make your finances go further : Personal Group

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How to make your finances go further

19 September 2019

Posted on: 19 September 2019

And find out how much you can save with these small changes

No matter your financial position, everyone finds it hard to resist the temptation of spending. With the constant ideology of needing the latest things, we as a society force ourselves to conform to trends that a lot of time, we can’t afford. Whether your kryptonite be technology, junk food or my personal favourite - clothing; there are always ways to save and resist unnecessary expense.

It may not seem like much when you spend under a fiver on a chocolate bar and a coffee on your break at work each day, but these receipts pile up, which is the main problem. Often we can account for our larger purchases, and even justify them because they will get ‘good use’ out of them, but in actual fact the most dangerous of purchases are the ones we don’t think twice about. The average price of a medium latte is £2.45 and a small chocolate bar is £0.60, so assuming we buy these things three times a week, take this equation as an example:

(£2.45 + £0.60) x 3 = £9.15
(52 weeks in a year) 52 x £9.15 = £475.80

This goes to show that these minor purchases do add up, and making small changes will have an impact if you stick at it. Here are a couple of things you can do to start making your finances go further:


You might really deserve that overpriced chocolate bar on a Thursday afternoon after your pilates class last night - but acknowledging problems is the first step to recovery. Learning to say no and be money wise, such as buying a multipack for the same price at the supermarket; is one way to avoid overspending and resisting temptation.

Broaden your horizons

Next time you're bored and can’t think of what to do to entertain yourself, opt for a free activity. Go to the library, go on a walk, head to the beach or read a book. Often, we feel like we have to be doing something extravagant to feel good and that simply isn’t the case.

Out with the old

If you no longer have a use for it, sell it! Not only will this make you money, but it will free up space both mentally and physically.

Keep track

One of our biggest downfalls as human beings is always wanting what we can’t have. If we keep track of our spending, we can see where we go wrong and make changes. Spending too much on restaurants? Make bigger meals with basic ingredients and eat them for 2-3 days a week. Keep buying random things in the supermarket? Make lists of things you actually need.

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