finance

Our top tips on how to spend sensibly and keep your New Year saving resolutions


JANUARY sale bargains can often scupper any New Year saving resolutions.

I spoke to life coach Emma Mumford, who gives this advice on sensible spending to help you save even more pounds.

 We have some great advice on how to keep your New Year saving resolutions

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We have some great advice on how to keep your New Year saving resolutionsCredit: Getty Images – Getty

Using your head: Mindful spending is a positive way to look at your finances. Ask yourself, “Does it feel good to spend this money? Is that splurge going to make me feel happy for the month ahead?” If the answer is no, then put it back and wait. See how you feel another time, maybe when you next get paid.

Say it right: It is easy to fall into bad habits and use phrases such as, “I’m skint, I haven’t got any money this month” or ‘I’m terrible with money”. Get out of this habit. Switch to positive statements and if you can’t afford to do something, say, “I’m choosing not to spend any money at the moment, but thanks for inviting me.”

 Emma Mumford's book Positively Wealthy is out on June 9

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Emma Mumford’s book Positively Wealthy is out on June 9

Tops deals: Favourite places for offers have to be my previous brand Extreme Couponing and Deals UK’s Facebook page. They post tons of great coupons, deals and bargains every day to help you save on the essentials.

Get real: My top tip is to get real with your finances. Avoidance is the biggest cause of a negative relation- ship with your money. It’s easy to avoid looking at a bank balance and debts and many of us end up guessing at what we have left for the month. Work out how much debt you have, how much your bills are and how much you have in your bank account. You may be pleasantly surprised. Once you have clarity and acceptance of your situation you will feel more at ease within yourself.

  • See more advice and ideas from Emma at emma-mumford.co.uk, or on social media, @iamemma mumford. Her book, Positively Wealthy, £12.99, is out on June 9.

Deal of the day

 At Tesco a 70cl bottle of Talisker Skye single malt is just £26

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At Tesco a 70cl bottle of Talisker Skye single malt is just £26

IT is Burns Night tonight, so A drop of Scotch would go down a treat. At Tesco, a 70cl bottle of Talisker Skye single malt is £26, down from £39.
SAVE: £13

Cheap treat

 Co-op's haggis pizza deal is down to £4 and comes with a six pack of Irn Bru

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Co-op’s haggis pizza deal is down to £4 and comes with a six pack of Irn Bru

THE Co-op has a Burns Night treat at stores in Scotland. Its haggis pizza deal is £4, down from £6.09, and comes with a six pack of Irn Bru.
SAVE: £2.09

My Sun Savers fiver

SHIRLEY CHEN, from Leeds, says: “I will use my Sun Savers fivers to buy food for the homeless man near my workplace.”

  • Share your Savers fiver stories at sunsavers.co.uk/fivers and get 28 codes worth £5 if yours is published here. Please include your name and town.

Top swap

 Why spend £12.50 on this skirt...

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Why spend £12.50 on this skirt…
 ...when you can buy this one for only £8

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…when you can buy this one for only £8

SWAP the £12.50 tartan skirt from Isawitfirst.com for the £8 version from Boohoo.

SAVE: £4.50

Reader’s saving tip

JULIE AUSTIN, from Marden, Kent, says: “Whitening toothpastes have bicarbonate of soda. A pot of bicarbonate of soda costs less than £1. Put your usual toothpaste on your brush, then dip it into the powder.

  • Share ideas at sunsavers.co.uk/tips and get 28 codes worth £5 if yours is printed here. Please include your name and town.

Hot right now

GET up to 50 per cent off selected fashion, home, electricals and more at very.co.uk.

Your paper could be worth £50,000

 Could you be the next Sun raffle winner?

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Could you be the next Sun raffle winner?

Every month YOU could win the super cash giveaway in our Sun Raffle just for reading this paper.

Entering could not be easier – simply download the Sun Savers app or sign up at sunsavers.co.uk.

Then, opt in to each month’s Sun Raffle by clicking “Yes!” when prompted and start collecting the codes printed daily inside the paper – scanning in the app or entering online.

With every code you enter you will earn a Raffle ticket into that month’s £50,000 Raffle.

There is no limit to how many tickets you can collect per month, so make sure to enter as many codes as you can to give yourself the best chance of winning. Remember, you have got to be in it to win it.

Not already a Sun Savers member? Join Sun Savers today.

It only takes a minute to sign up – just search “Sun Savers” in the app store and then download the app, or head to sunsavers.co.uk. To get started, all you need to do is enter a few details.

– T&Cs apply. For full T&Cs see sunsavers.co.uk.

Fancy a free fiver?

YOU can get FREE cash with super Sun Savers just for buying your favourite paper.

Our brilliant new rewards club will pay back our most loyal readers.

 You can get a free fiver just for buying The Sun

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You can get a free fiver just for buying The SunCredit: Getty – Contributor

Just pick up the paper each day to collect your Sun Savers codes and we will GIVE YOU £5 when you have ­collected 28.

This isn’t a one-off and there is no limit to how much cash you can save.

For every 28 codes you enter, we will give you a fiver.

So over the course of a year, that could add up to £65.

We are keeping it super-simple.

You don’t have to enter codes from consecutive days, so don’t worry if you forget a day or two.

Download our easy Sun Savers app and quickly scan your code using your smartphone. Or go online and enter your code at sunsavers.co.uk.

To get you on your way, join today and we will put a bonus £1 in your Sun Savers wallet tomorrow. And the good news doesn’t stop with free cash.

With Sun Savers, we give you the best hacks, deals and tips to save money every single day.

TO JOIN: Don’t worry, folks — joining takes just 30 seconds, in three steps.

  • PRICES correct at time of going to press. Deals/offers subject to availability.
Martin Lewis explains his New Year money-saving resolutions to help you save THOUSANDS of pounds







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