导言
新年就是要有大的动力和决心。我们中的许多人在新年伊始就制定了宏伟的目标，以帮助我们节约或 投资 钱。然而，持续的生活费用危机使存钱变得更加困难，研究表明 60% 的英国人预计他们的账单将在未来几个月内上涨 100 英镑或更多这可能会进一步挤压您的财务状况。
But there are still clever ways to save your hard-earned cash. We’ve come up with 5 simple tips that can help you stretch your 预算 更进一步。
1. 预留储蓄
省钱的第一步是留出一定比例的收入用于储蓄或投资。要做到这一点，您可以养成预留现金的习惯。 调动 from your current account to a savings account, or by setting up a direct debit that automatically transfers a set amount each month immediately as your salary comes in. When you do this, it’s easier to stay on track with your savings goals.
2. 将信用卡余额转至 0% 息卡
If you’re carrying a balance on your credit card, it might be time to consider transferring that balance over to a 0% interest card. You can use this type of card in two ways: either transfer your current balance over and pay it down gradually (which will save you money in the long run) or make larger purchases with the new card while paying off as much as possible each month (and then switching back once the promotional period is over).
拥有一张 0% 利息卡并不是超支的借口，要始终注意只花自己能负担得起的钱，并牢记自己的目标是省钱！
3. Get rid of unused memberships and subscriptions you’re paying for but don’t use
Cancel unused memberships and subscriptions you’re paying for but don’t use.
If you’ve been paying a monthly fee to a gym but rarely use it, consider if you can exercise at home or take up a free sport like jogging or running.
此外，还可以考虑取消音乐、视频和其他娱乐内容服务等订阅，因为这些服务太多了，而且不一定会用到。检查一下你拥有的所有订阅服务，减少过去 3 个月中使用次数少于一次的订阅服务。
此外，请查看是否有任何服务提供家庭或住户计划，这样您就可以与其他家庭成员/住户共同分担费用，从而节省开支！
You’ll be surprised how much these little things add up over time.
4. 转用更便宜的无合约手机计划
长期的移动通信合同每年都会涨价，久而久之确实会增加成本。如果您当前的手机合约即将到期，我们建议您转而使用更便宜、更灵活的移动电话。 仅限 SIM 卡 计划。 勒巴拉 提供 30 天滚动优惠，5GB 数据起价仅为 5 英镑。如果您需要更多数据或通话时长，可从 10GB - 无限计划中选择，所有计划均为固定价格，可随时更改/取消，无任何罚款或免费。
5. 改用自制咖啡，停止购买瓶装水
If you are one of the thousands of Brits spending a fortune on buying coffees outside, consider switching to making a cuppa at home/ office or even investing in a nice coffee machine that can possibly help you save money in the longer term. Keep the fancy lattes and cappuccinos for an occasional treat!
也不要再买瓶装水了。减少不必要的塑料不仅能保护地球，还能省下一大笔钱。买一个可重复使用的水瓶，随身携带，这样在外出时就不必为买水而跑到商店买饮料了。
结论
We hope these tips help you save some money! If you’re looking for ways to earn extra cash, while also making some savings – check out some tips to do that from the comfort of your own home 这里。
免责声明:本文仅为普通储蓄方法的一般性介绍，不作为专业理财建议。在购买任何金融产品（如信用卡/开立银行账户）之前，您必须向公认的金融顾问咨询。