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10 Useful steps for your New Year budget:

1)  Think before you spend.

Stick to a realistic budget that includes everything.

2)  Keep a tally of what you spend.

It is very simple to set up a spreadsheet; enter all your purchases and you will soon see where you could cut back on impulse buys

3)  Avoid impulse buys.

Plan your birthday calendar; think ahead of who you wish to buy a gift for and when you find something suitable, buy it then rather than an overspend at the last minute.

4)  Use cash for your small purchases.

Set aside a specific amount each month for those quick buys, saves interest on the credit card.

5)  Find ways to make rather than buy.

Try making your own greeting cards for special occasions.

6)  Generate extra money.

We all have a skill we can use to earn extra cash.

7)  Download free software such as skype.

Many people these days have computers – using skype to skype could save you a fortune on overseas calls.

8)  Save up for special treats.

Pick a coin value e.g. £1 and every time you get one in your change put it into a money box, you’ll be amazed how quickly they add up.

9)  Cut back on transport costs.

Make use of oyster cards or similar; walk if you can, wherever you can.

10)  Put the money you save into an ISA and start saving for next Christmas or that special holiday.

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50 Ways to Save Money – “This is Money”’s top 50 money-saving tips – #13

13. Do DIY
We’re a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.
Saving: £100+

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