Five simple steps to increase your disposable income in 2014

2014 is already in full flow and many of us have already broken our New Year’s resolutions. But that’s fine, because it doesn’t mean you can’t try again with renewed determination. January can be one of the most stressful months of the year, especially with financial worries following the festive period’s expensive outlays. So here are five simple steps to increase your disposable income in 2014, and even beyond…

Meal planning

This is one of the best ways to save money, and reduce the amount of food that you throw out due to it passing its use by date. Make a meal plan where you only buy what you need and make life easier by being a bit more organised. Start with sticking to a weekly shop. Doing one shop a week already means that you will save money on impulse buys. We’ve all done it, go in for a loaf of bread and come out with a basket full of things we think we might need and throw half of it away by the end of the week. Make a meal plan, buy only what you need and stick to it. If you have time then make some of your meals after your shop, freeze the portions and reheat when you want them – saving you time too.

spaghetti-bolognese

Kicking the tobacco habit

If you’re a smoker this will save you a lot of money. Switch to  e-cigarettes and e-cigarettes’, and you can save around £2,500 a year if you are a 20 a day smoker. Other options include nicotine patches, nicotine mouth spray and hypnotherapy. You also might be able to save money on your health and life insurance policy.

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Saving Money on Gluten Free Products

Gluten is wreaking havoc on a lot of people’s diet these days.  Most people think that this is a new trendy diet, and while it’s not really a new ailment, but rather one that has been plaguing people for years. While most restaurants are starting to cater to these specific dietary restrictions, the costs of eating out can add up really quickly. And let’s face it, going to out to eat or paying a lot more to have to deal with a dietary restriction is not the answer. There are ways to save money while eatting healthy, trust me.

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What is Gluten?

Gluten  is a protein composite found in foods processed from wheat and related grain species, including barley and rye. Gluten gives elasticity to dough, helping it rise and keep its shape and often gives the final product a chewy texture. Gluten may also be found in some cosmetics, hair products, and other dermatological preparations.

As living a gluten free lifestyle becomes more common, we’re getting more options for gluten free products in grocery stores, and local markets. There are tons of recipes out there that even make eating vegetables look good.

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Saving Money on Gluten Free Products

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HOW TO LOWER YOU CAR INSURANCE RATES

Car insurance falls under the category of items that no one particularly enjoys paying for. The fact of the matter is that it is absolutely necessary, and if you find yourself without adequate insurance, you will end up regretting it. Despite the fact that we have no option but to continue paying for it, there are several ways to go about spending less for it on a monthly basis.

Be a Stand-up Driver

A very simple way to start saving money on your car insurance is by following the rules of the road. If you exercise the utmost caution while driving, you will be rewarded with not only the safety of you and your passengers, but also a clean driving record. This translates into large savings in terms of car insurance. Perhaps the best tip for drivers is to pay attention to the road. These days there are so many distractions that can cause you to lose focus of the road. If you can control your own driving by doing this, you still have the task of looking out for other drivers that may not necessarily be paying attention to the road. The answer to this is to learn how to drive defensively. Try to anticipate what other drivers will do so that you can react to situations if they occur.

how to lower your car insurance rates

Shop for Lower Rates

The beauty of this day in age is that information is limitless thanks to the Internet. You have the option to compare rates and services instead of just going with the first company you find. This forces insurance providers to be competitive and offer you the best deals. Doing your research before shopping is a great tool for negotiating. The great part is that this research does not necessarily require a lot of time or effort. There are multiple websites that do the comparing for you based on your needs.

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