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How to reduce your weekly spend(1)

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As Christmas approaches it is a good idea at you are spending your weekly cash on. There are many potential areas where you may be able to make small savings. And many small savings can add up to a lot.
1: 
Take a packed lunch to work. Buying sandwiches, even on a 'meal deal' costs at least £3 a day - that is £15 per week. A loaf of bread, a packet of ham, a six pack of crisps and 5 apples will cost £6-7. That's a saving of £8 a week or £32 per month.
2: 
Cut the coffee. If you have a kettle at work take your own coffee, mug and milk. Less than £2 per week rather than £2 per day for the take out coffee. That's a saving of £8 per week, £32 per month. If you don't have facilities, invest in a thermos flask and make up your hot coffee for the day. Great for soup too!
3: 
Have two or three vegetarian dishes each week. Many vegetarian dishes are delicious and cost much less than meat. See the Family Meals for Less than a Fiver series link at the end of this article.
4: 
Cut your supermarket bill. If you don't already, try some of the Basics or value range. Some things you will not notice the difference and they cost around one third less than main brands.
5: 
Keep it real.Use cash for daily spending. Decide on a spending budget and take out the cash. Using cash means you see clearly what you are spending and your budget diminishing with each transaction.
6: 
Eat in. Instead of eating out with friends have a 'Bring and share' supper. Everyone contributes a part of the meal and someone coordinates it so you have the right amount.
7: 
Try baking your own biscuits, cakes and treats. With Christmas coming up why not try you hand at pastry cooking and make some mince pies. Click on the link below for a guide.
8: 
Ditch the disposables. Use washable dish cloths instead of kitchen roll and dusters instead of disposable cleaning wipes. They work out cheaper and are much kinder to the environment.
9: 
Don't buy bottled water. Tap water is readily available and so much cheaper than bottled. And all those plastic bottles are so bad for the environment in so many ways.
10: 
Get free books. Join the library and get all your reading books free. If you want the latest blockbuster you can order it for a small fee, usually around 50p. Libraries are a great service.
Conclusion: 
Have fun saving money - and deciding what to do with the saving! It's very satisfying, reducing your outgoings and its a great feeling to know you are getting good value for money.
Tips: 
Don't go to the supermarket hungry - food treats will be more tempting
Write a shopping list - and stick to it!
Warnings: 
Don't buy something just because it is a bargain! it's ony a bargain if you need it.

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