About How to Save Time and Money

Welcome to HowToSaveTimeAndMoney.com. A Money Saving Blog run by Julia Verney to help you save both time and money when browsing or shopping online. More and More people are struggling to make ends meet and manage their finances in these tough economic times. Follow Us for more tips on How to save Time and Money online.

05 October 2014 ~ 0 Comments

8 Useful Time Saving Tips for the Workplace

We spend most of our life at work; well most people do apart from chavvy socialites! So it’s important to make the most of that time. Here are some tips to save you time when at work!

  1. Do Less – My fave tip for sure! Do fewer things but focus on the important things first. Make a list of your tasks and order them by which tasks must be done today. Do these first and then you will manage your time better rather than trying to juggle everything!
  2. Cancel Meetings – Most of the time meetings can be a waste of time. Sometimes they are important. Choose to only go to the meetings that affect your role and that are important. Ask your manager if you need to go. This can save you time and allow you to focus on getting the job done
  3. Avoid Conference calls – Similar to meetings, conference calls can be a pain especially when there may be lots of people at different levels on the call all piping up at the same time. If you have to join the Conf call and feel like you are not adding value, make your voice heard, ask if you are needed on the call at that time and maybe join later if required.
  4. Don’t be a Yes Person – People may come round to your desk, or phone you and ask you to do something for them. They are the smart ones who are delegating someone else to either help them or do the work for them! Learn to say no from time to time. If you are too busy, say so as people will understand!
  5. Delegate workload – As I mentioned above, these are smart people or managers who learn to delegate work to other people saving them time to focus on the priority work they need to do. Try delegating some work you know your colleagues can do. Let someone else be responsible allowing you time to focus on that specific task or project!
  6. Setup Email alerts and filters – Your inbox could be hammered with hundreds of e-mails everyday making it hard and time consuming every morning going through them. Setup some alerts for important things and filters to put general stuff into specific folders and go through those at your leisure. This will mean you can focus on only reading the important messages and getting on with the job in hand.
  7. Switch off any distractions – Keep getting text messages from your mates, pinged on IM etc. Switch them off when you are busy and only view your Facebook page or twitter updates in your spare time such as your lunch break!
  8. Have a clear desk – a Clutter free environment will help you find things quicker. It’s that simple.

The same rules apply if you are running your own company. Follow these and you will be able to build your business up. Saving time will save money in the long run too!

04 October 2014 ~ 0 Comments

Coupon Clipping – It may save you money but how much time is Involved!

Coupon Clipping is basically trawling through magazines and newspapers and cutting out the coupons (usually at the back) and taking them into stores to save yourself money. It’s a big thing in the US but hasn’t taken off in the UK where I live. I can see that it can really help families save money. I remember switching channels and even seeing the Kardashians doing this. I mean come on do they really need to save money when they get millions from this crappy reality program! No offence if you actually like it, just my opinion! I have also seen a couple of US tv shows following families saving most of their grocerie shopping and paying next to nothing at the checkout. I can see the appeal and satisfaction of getting that much food and drink and paying almost nothing for it. I think I’d be way to embarrassed to be at the cashier with hundreds of toilet rolls or some other random product times a huge amount and a queue behind me!

My thoughts on this though as much as it can save you loads of money is how much time you must have to put into this! I mean it must take hours out of your life just going through these printable papers and only to save maybe £100. I always like to value time as well as money, after all couldn’t you be using that time and putting it to better use!

Rant over and just something I wanted to share with my readers!

04 October 2014 ~ 0 Comments

Voucher/Coupon Websites Can Save you a Stack of Money

I have been using Voucher/Coupon websites for as long as I’ve been saving money for my family online. Over the years I think I must have saved at least £500 a year from using voucher websites. There are so many to choose from online and most of them have the same offers, however some are more up to date than others and also offer bigger discounts.

If you don’t know what a Voucher/Coupon website is, then here is a brief explaination, even know it kind of says what it does on the tin!

The term Voucher is used mainly in the UK, where I come from. Coupon is used more across the world (USA and Australia mainly). A Voucher/Coupon is usually a code which can be found either online or in newspaper cutouts (known as a printable coupon – more common in the US) that will offer you a certain percentage or money off when buying the product/service from the retailer. This enables you to save money rather than paying the full price.

Now I have a few friends in the online world who run these Voucher/Coupon sites and although I’m biased and want to help them promote their sites, I do actually think they offer some of the best deals around and I actually do use them. One to mention is called LuckyVoucherCodes.co.uk run by my friend Felix. There are over 1000 stores to choose from so you can grab yourself huge savings at stores from Avon to Ziffit and many inbetween. You can also easily find discounts by Categories such as from Clothing, Holidays, Gifts and more. Felix has also mentioned to me recently that he is going to soon give back 100% of profits generated from the site to charity. So you get to save when shopping online knowing that it will also be helping those people in need.

My tips for when using a voucher site are simple. Stick with sites you know and trust. New sites come up all the time but soon get out of date. The ones that have been around longer generally are better. Be careful of expired codes. Many sites still list expired codes which most often will not work, hoping to still make money as you’ll still shop online after being referred to by them, so look for sites that do not list expired codes. Coupon sites that allow users to share their discounts also often how a lot of out of date codes which do not work. Save yourself some time trying these out when they simply will not work. Retailmenot.com is one I can think of where users can submit codes. Often there will be a lot of duplicates too and just wastes consumers time in my opinion.

03 October 2014 ~ 0 Comments

How To Save Money For A House

Saving money for a house is one of the hardest thing anyone can do. First time buyers are struggling to get onto the property ladder more so today than 10 or even 20 years ago. I remember when I wanted to buy my first property and this is now almost 15 years ago when prices where much cheaper than they are today. During that time I was trying to save about between £600 to £800 every month (not everyone is able to do this!). The problem was the property prices were going up so fast that the money I was saving each month, the prices were going up faster. I had to jump onto the ladder sooner than i wanted so I didn’t have as much of a deposit to put down as I wanted. However it was a good move since 2 years later that £8K deposit had increased to over £40K in equity in the property value. So my advice to anyone looking to buy a property is to watch the market and try and save up as much as you can when the prices are stable but not to leave it too late to get on the propery ladder.

It’s not easy saving money, especially when you still want to enjoy living, going out to eat, having some drinks out with your friends etc. So you really need to get your priorities in order. If you really want to buy a house, then you need to make some sacrifices. Don’t go out every week, make it once a month and be careful with your money.

Can you cut back on any existing bills or outgoings. Look at luxuries first and try cancel anything you don’t necessarily need.

Can you work overtime to help with your savings! Do you have anything in the house you can sell off on auction sites like ebay or craigslist. My wife recently sold loads of our kids toys on a local facebook page. She easily made a few hundred just for a couple of hours work sorting the stuff out. The great thing about this was that she didn’t have to package anything or go out and deliver the items she sold as the buyers come round to you.

Work out how much deposit you have to save for a house. Then make sure you transfer out money from your account straight after getting paid via a Standing Order into a high interest savings account. This way you won’t notice the money so much and you’ll be less likely to spend it. Take out some cash for desposible income such as lunches and transportation costs. Once you’ve used up your cash you should try not to draw any more cash out or spend any more. You will be more aware of what you are spending by doing this.

Remember its only going to be difficult during this time and doesn’t have to be like this long term. Once you have your deposit and are comfortable paying the monthly mortgage then you can continue to live you life whilst also being a homeowner. Overtime your circumstances will change and your and income will most like go up so don’t make excuses, make sacrifices!

If you are currently renting at the moment, is there any space for you back at your family home? If so maybe stop paying rent for 6 months and save this whilst living at home with your folks. You can still contribute to your parents for putting up with you and I’m sure they would be happy to help!! I know its not an ideal solution but it can certainly help.

I notice more and more these days parents helping their children with deposit money. This is great and may be an alternative solution to jumping onto the property ladder but don’t take them for granted as this could be their life savings. Try and make it on your own if you can as it will make you stronger in the long run.

Hopefully this has given you the push you need to start seriously thinking about the way you spend so that you can save for a house!

02 October 2014 ~ 0 Comments

Our First Blog Post

This is our first blog post which we will introduce you to our website – Howtosavetimeandmoney.com

These tough economic times are proving harder for people to manage their finances. Our site will try and help you budget better, get smarter with shopping online and finding the best discounts for you and also helping you manage your money better. We will do this by providing useful money saving articles which will include tips and tricks, online offers and vouchers and more.

If you have gone through problems in the past and managed to come out of the other end all rosy, we’d love to hear from you and maybe even feature your story on our site. So get in touch today.

The site is maintained and run by myself Julia who has been saving money online now for the past 6 years. She has also helped consult at director level to businesses and transformed the way they manage their business finances. She prefers to help consumers these days having retired from the corporate ladder.

We hope you find our blog useful and please comment if you have something to say