September Save-Ometer: I’m nearly 10k up this year by Being Clever With My Cash

September Save-Ometer: I'm nearly 10k up this year by Being Clever With My Cash

The top ways I’ve cut my spending this month

The Saveometer challenge is my way of seeing exactly how much the tips and deals I feature on YFAP can actually save someone – and that person is me! I’m writing down EVERYTHING I spend, and how much I’ve saved from full price (you can read all about it in the intro blogpost). It’s a real eye opener, as consistently each month I’m spending a third less than the value of the life I’m leading!

September Total

Actual Spend £1,639.33
Value Of Spend (i.e. what it should have cost me) £2691.40
Saved £1,052.07 (including interest and cashback) – that’s 38%

Here are the biggest savings in September:

Cashback

It’s been 12 months since I first signed up to American Express, so I’ve cashed in the cashback points I’ve earned in that time – and it was a stunning £197! You can read about how you can earn cashback in my Be Clever Basics guide: Cashback explained.

NUS card

As well as discounts on the odd bit of shopping and some cinema tickets, I was also able to get concession tickets to see my face footy team Crystal Palace, saving around £25 across two matches. I’m sure some of you will be asking – “But you’re not a student?” Well, there’s a perfectly legitimate way to get an NUS card – and student discounts. You just need to buy an online course with certain companies and you’re eligible for the card, which costs £15. You can read more detail about how to get one in my How to get an NUS card & discount – even if you’re not a student article.

Shopping around for insurance

We’re off on holiday in December and we’ve also a wedding next year, so it was time to get some insurance sorted for both. It can take a bit of time comparing the cover and prices. This is defintiely somewhere that the cheapest option probably isn’t the best. Yes, you’re paying for something you’ll – hopefully – never need. But you can save by getting the best value of like for like policies. Think about if you need a higher or lower excess as raising it can cut the cost. Add in cashback and we saved around £60 on comparable products.

READ THE SAVE-OMETER INTRO BLOG TO FIND OUT MORE ABOUT HOW THE SAVE-OMETER CHALLENGE WORKS.

2014 Total so far

Actual Spend £18,279.33
Value Of Spend £28,204.19
Saved £9,925/86  (35%)

Month By Month Totals

January 2014:
Actual Spend £2,401.21 / Value Of Spend £3,817.86 / Saved £1,416.65 (37%)
February 2014:
Actual Spend £1,305.25 / Value Of Spend £1,888.20 / Saved £582.95 (31%)
March 2014:
Actual Spend £2,209.29 / Value Of Spend £3,538.68 / Saved £1,329.38 (38%)
April 2014:
Actual Spend £2,339.99 / Value Of Spend £3,622.89 / Saved £1,282.90 (35%)
May 2014:
Actual Spend £1,883.45 / Value Of Spend £3,137.28 / Saved £1,253.83 (40%)
June 2014:
Actual Spend £3,067.50 / Value Of Spend £4,282.29 / Saved £1,214.79 (28%)
July 2014:
Actual Spend £1,756.41 / Value Of Spend £2787.55 / Saved £1031.14 (37%)
August 2014:
Actual Spend £1,677.90 / Value Of Spend £2,440.05 / Saved £762.15 (12%)
September 2014:
Actual Spend £1,639.33 / Value Of Spend £2,691.40 / Saved £1052.07 (39%)

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