3 Simple Ways to Save Money Whilst Still Spending

Updated on October 24, 2016

1. Vouchers, Coupons and Loyalty Cards

You've all heard of extreme couponers, I'm sure. Well, you don't need to quite go to those lengths (unless you really want to). There are a few ways to get some handy coupons such as:

  • Sign up for the free shop loyalty schemes and bonus cards. They send you coupons through the post and by e-mail from time to time. If the cards also accumulate points, you can sometimes use these in store or increase their value and use them elsewhere, such as restaurants or the cinema.
  • Sign up to saving websites, such as SuperSavvyMe, where you can choose from a selection of free coupons and just print them off.
  • Get the free magazines in stores. They usually have a page dedicated to coupons for their shop.
  • When shopping online, Google 'voucher codes for (shop name)'. You can usually find a code on the first link or two you click on.

2. Cashback

Cashback is also a welcome bonus to my bank balance and I achieve this in a couple of ways:

  • Cashback websites (such as Quidco and Topcashback).
  • Through my bank.

Quidco is my favourite cashback site as you can register your debit and/or credit cards with them and any high-street stores they're partnered with may give you cashback for spending in their store and not just online. Sometimes I earn cashback without even realising!

It's worth noting that cashback tends to be below 5%, but if you spend somewhere regularly, or you make a big purchase, it is worth the return. This is definitely worth doing when booking a holiday and flights.

My bank also offers cashback when I spend on my debit card in certain places. It's usually restaurants they offer this in, but they constantly change, with each opportunity lasting approximately 4-6 weeks. As I eat out about once a week, this cashback is a lot more significant than that I receive from cashback websites; especially as the incentive is usually 10%.

3. Credit Cards

Really?! I must be joking, right? No, I am completely serious. Obviously I am only advising this route if you intend on paying off the card in full each month. I primarily use my credit card for everyday spending to prevent the hassle of having my card cloned (I haven't lost any money from my account if this happens and can keep afloat financially) and due to the following:

Many credit cards reward you for spending. You can gain points which you accumulate and spend on various rewards ranging from meals out, family days out, holidays, flights and more.

My credit card allows me to reap back £1 for every point I earn. However, for certain rewards I can triple or even quadruple the value. To get the most out of your points I would definitely recommend on focusing on these rewards if you have a need for them.

As I'm impatient, I can't wait for my points to build up enough for a holiday, but I have had numerous free meals out bought on points. The advice you get constantly to cook at home to save you money can be thrown out of the window when you know you're getting your meal for free!

Many of my friends and family have now moved over to similar cards to mine after they've seen the free rewards I get.

Other credit cards may also provide you with cashback on your spend. However, there is usually a minimum spend to activate this, or it is a short-term offer to entice you into applying for their card.

These are still tempting, and although I wouldn't advise against them, I would advise to ensure you meet any minimum spending criteria without frivolously spending and to watch out and ditch the card if the cashback offer ends.

There are a few more laborious ways to save money whilst spending, but these methods don't even require much thought or any changes to your current habits.

For store loyalty cards, I recommend seeing if they have an app to use instead of a physical card, or a keyfob card with a barcode on it, otherwise you will end up carrying a lot of cards and struggle to find them when you need them.

Feel free to comment below on any other methods you use to save money whilst also spending it!

Questions & Answers

    Comments

      0 of 8192 characters used
      Post Comment

      • profile image

        Kathleen Cochran 

        21 months ago

        Great ideas. The easiest way for me to save is a simple trick. At the end of the pay period, if I have any (!) money left in my checking account I move it over to savings and start spending with my new pay check.

        My checking actually has a better rate than my checking but they are both pitiful. And if I leave that money (as little as it is) in checking, it gets spent, which carries no interest rate at all!

      working

      This website uses cookies

      As a user in the EEA, your approval is needed on a few things. To provide a better website experience, toughnickel.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

      For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://toughnickel.com/privacy-policy#gdpr

      Show Details
      Necessary
      HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
      LoginThis is necessary to sign in to the HubPages Service.
      Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
      AkismetThis is used to detect comment spam. (Privacy Policy)
      HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
      HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
      Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
      CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
      Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
      Features
      Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
      Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
      Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
      Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
      Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
      VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
      PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
      Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
      MavenThis supports the Maven widget and search functionality. (Privacy Policy)
      Marketing
      Google AdSenseThis is an ad network. (Privacy Policy)
      Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
      Index ExchangeThis is an ad network. (Privacy Policy)
      SovrnThis is an ad network. (Privacy Policy)
      Facebook AdsThis is an ad network. (Privacy Policy)
      Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
      AppNexusThis is an ad network. (Privacy Policy)
      OpenxThis is an ad network. (Privacy Policy)
      Rubicon ProjectThis is an ad network. (Privacy Policy)
      TripleLiftThis is an ad network. (Privacy Policy)
      Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
      Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
      Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
      Statistics
      Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
      ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
      Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)