One Broke Girl

 I'm not alone in struggling financially at the moment. I think we're all feeling the strain.

My piggy bank is empty and it will be for a while. 

I'm a struggling romance writer with a minimum-wage day job, which means, money is often on my mind. 

I've read some ridiculous tips on cutting costs and budgeting. Things like cutting down on coffee shops and instead having coffee at home, and cancelling unnecessary subscriptions. As if those aren't the first things to go. 

I was advised to find out what financial help I'm entitled to, which is zero because I have a job. Another tip was to resist splurging and save the money instead as if I can afford to splurge on anything when food and power bills just keep rising. 

I'm no money expert. If you need deep advice there are better sites to go to for that. I'm just a writer with no money., and the truth is, there really is no way to budget and save when the money isn't there, but I have found some ways to be a little thrifty. 

Yellow Stickers

That's right. I'm a yellow sticker enthusiast. There's no reason not to be. When you consider the same product was £3 at ten to five, and then at ten past five has reduced to as much as 70%. I'm buying that bad boy. And most supermarkets have reduced sections, and I've actually found toys for 40 pence that have made an activity pack. 

Saver Brands

Supermarket own brands are cheaper and a lot of them match up to more expensive brands. There are some brand names that I can't bring myself to give up - I'm looking at you Tetley and Nescafe - but there aren't many food products that I'm willing to pay so much more for. 

Another thing to think about is wonky vegetables. They're not as pretty but what does that matter once they're chopped and cooked?

Less Waste

According to the Office for National Statistics, households make up 70% of all food waste and a third of that waste is still edible. Of course you don't want to make yourself ill by eating inedible food, but think of it like this; best before is a suggestion, while use by is a rule. 

By wasting less you can save yourself a small fortune in money, and there are ways to utilize what is in your fridge. Things like chopping your veg and freezing them or putting bread in the oven to crisp it up. Make the most of what you've got. 

Track Your Spending

It's boring, and it can be frustrating, but by budgeting and tracking the money you spend, it makes you aware of where your money goes, and if there is a way to save somewhere, this is where you'll see it. I use a spreadsheet to budget but I know someone who writes it in a notebook, and there are plenty of apps. 

Pay Off Debts

They say to pay bills and debts before you save and I think it's a good idea. When you have debts you pay interest so it makes sense to get rid of the debt costing you money first. It makes more sense to prioritise that. 

Just a Writer

Like I said, I'm no money expert. I'm just a romance writer with a day job that doesn't pay a lot, so I'm learning to make the most of the money I have, and I'm sure that if you're looking for tips, you've already tried what I suggested, but maybe there's just one thing there you haven't thought of and I hope it helps. 

If you have any tips to share then feel free, and if you're here looking for writing news, then stay with me. Alternatively, you can head over to my website for homepage news and updates. You'll even find some book extras there.