Hello,

Welcome to my blog. I will blog at least once a week on topic that relate to saving money, reducing carbon footprints and negative impacts on the environment plus reducing toxic chemicals in the home and generally in one's life!

This first post focuses on getting to grips with reducing one's costs. A few years ago if someone had told me that I could save hundreds of pounds a year, without some sort of decrease in my lifestyle I wouldn't have believed them. I mean isn't it the ultimate "snake oil salesman's "line? "I will show you how to save money etc...". That would immediately have me switched off or at least be very suspicious. However, as hopefully some individuals I have worked with will testify, it is possible without too much effort easy to achieve, once you have a few basics under your belt.
By the end of this blog post you will be able to:

       Be familiar with 3 trustworthy, unbiased on-line sources and tools to help you in your particular circumstances

       Know 3 practical actions you can choose to do today to make tangible differences for your costs


So, my top 3 eco-easy tips and resources for saving money.

1. Use the existing knowledgeable sources for money know-how that already exist on the web. They also have general cash-saving information and the dreaded BUDGETING tools. If you do not know what you are currently spending, how will you know if you have reduced it? It is really worth the effort, but you probably know this. I will always, where possibly give three options for sites, companies or products etc... to allow for a degree of impartiality but I will also highlight my favourite of the three if you just want to get on with it rather than research them yourself.

http://www.moneysavingexpert.com

http://www.moneymagpie.com/

http://www.moneymadeclear.org.uk/

All of these eco-savvy independent sources will be able to systematically work through what you spend where and how to then go on to reducing your spending-this last part is the pay-off for doing the budgeting bit.

My recommendation is the Money Saving Expert's Budget Brain. It factors in big costs throughout the year PLUS signposts you to the parts on it's website which related to the area you are looking at and takes you step by step to be able to make savings. YOu can also save it and even download it as a spreadsheet if you don't want to use their tool

https://budgetbrain.moneysavingexpert.com/budgetplanner/edit/957750

2. Switch to a cost effective green energy tariff via a cashback site. This is particularly important if you haven't done this as the large outgoings in a household, apart from housing/ debts are (source ehow.co.uk):

Utilities 5–10 % net monthly income
Food 5-15 % net monthly income
Transportation 10-15 % net monthly income

3. ALWAYS use cashbacks sites-I suggest looking at Quidco, Topcashback or Moreeco PLUS online discounts codes & vouchers.