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the good news is that spending less doesnt have to make you miserable. In fact, you might actually start to quite enjoy some of it (trust me and hang on in there
I might just be telling you an unbelievable truth).
Richard Templar
Most of us know that we spend more than we should. But we struggle to actually do anything about it, mainly because the idea of spending less means missing out or depriving ourselves doesnt it?
Not according to Richard Templar.
He knows that, if youre clever about it, your life can be just as good and cost you less. With his usual mix of wit, wisdom and straight talking, Templar delivers cunning ideas on how to spend less, without taking any of the fun out of life. In fact, hed argue that your life is going to get a whole lot better when you know how to stop wasting money. You can stop worrying about what might be lurking in your next bank statement and just get on with the business of living.
Product Description
There are times when you know you just need to cut down a bit, reduce your outgoings, keep a bit of a rein on the amount you spend. Yet for most of us, that makes us feel downright depressed even before we start. But reducing your spending doesnt mean taking the fun out of life. Oh no. If youre clever about it, life can be just as good it just costs you less. This is the book to show you how, in Richard Templars inimitable blend of originality, wisdom, practicality and funny straight talking.
With the current world financial situation, things are going to be tight for a while for many of us even if they werent already and well need to find ways to make sure the money we have goes further.
How to Spend Less without being miserable is full of techniques and strategies for cutting down on expenditure. As youd expect with Templar, therell be loads of common sense with a quirky take and plenty of fun.
Backcover
Most of us know that we spend more than we should. But we struggle to actually do anything about it, mainly because the idea of spending less means missing out or depriving ourselves doesnt it?
Not according to Richard Templar.
He knows that, if youre clever about it, your life can be just as good and cost you less.
With his usual mix of wit, wisdom and straight talking, Templar delivers cunning ideas on how to spend less, without taking any of the fun out of life. In fact, hed argue that your life is going to get a whole lot better when you know how to stop wasting money. You'll be able to stop worrying about what might be lurking in your next bank statement and just get on with enjoying life.
Introduction
You have to want to do it
Get your kicks somewhere else
Know your budget
Remember the glass is half full
Save time
Get organised
See it as a challenge
Make bargain-hunting a hobby
Know when a bargain is not a bargain
Hoard your savings
Try an alternative savings scheme
Look for cheap thrills
Give yourself a cooling off period
Imagine yourself without it
Put it away before you get it
Ringfence funds
Use big money
Say never never to the never never
Think green
Sell things
Be a barterer
Get online
Dont window shop
Carry cash
Dont play with pretend money
Freeze your assets
Do your weekly shop online
Never shop for food on an empty stomach
Shop in a hurry
Cut out coupons
Milk your loyalty
Make the most of supermarkets
Shop for quality, not quantity
Shop for quality, not for price
Calculate the price per wear
Decide what its worth
Be mail order savvy
Check out the benefit of brands
Ask yourself if you need it
Always try to buy in bulk
Try smaller companies for size
Get into the haggling habit
Never pay the asking price
Buy with selling in mind
Net yourself a bargain
Shop twice
Join mailing lists
Buy at auction
Get competitive
Know when to sell and when to buy
Support your local farmer
Stick to tap water
Change your habits
Buy less food
Buy cheaper food
Be a sneaky cheapskate
Cook for yourself
Use your leftovers
Use your freezer
Cook less food
Eat on the cheap
Become a vegetarian
Grow your own
Free food
Stay in
Go out later
Hold a swap shop
Bargain competition
Set up a babysitting circle
Meet for lunch
Share and share alike
Swap your house
Book late
Holiday at home
Work to live
Avoid currency traps
Get the kids involved
Think hard about insurance
Check your statement
Look for the best deals
Switch off
Dont heat what you dont use
Turn it down
Save water
Save petrol
Practise phone economics
Do your own
DIY
Make presents
Get the kids to make presents
Agree a budget
Have a family draw
Use cheap wrapping paper
Trim your Christmas
Shop in the January sales
Try a student
Recycle your kids clothes
Get hitched on a budget
Have a budget baby
Dont give up
Can life really be fun and frugal? The answer is yes. You don't have to stop enjoying yourself to reduce your outgoings. This wise, witty and warm guide shows you loads of simple, fun and pain-free ways to make your money go further - without taking the pleasure out of life.
Richard Templar
Most of us know that we spend more than we should. But we struggle to actually do anything about it, mainly because the idea of spending less means missing out or depriving ourselves doesnt it?
Not according to Richard Templar.
He knows that, if youre clever about it, your life can be just as good and cost you less. With his usual mix of wit, wisdom and straight talking, Templar delivers cunning ideas on how to spend less, without taking any of the fun out of life. In fact, hed argue that your life is going to get a whole lot better when you know how to stop wasting money. You can stop worrying about what might be lurking in your next bank statement and just get on with the business of living.
Product Description
There are times when you know you just need to cut down a bit, reduce your outgoings, keep a bit of a rein on the amount you spend. Yet for most of us, that makes us feel downright depressed even before we start. But reducing your spending doesnt mean taking the fun out of life. Oh no. If youre clever about it, life can be just as good it just costs you less. This is the book to show you how, in Richard Templars inimitable blend of originality, wisdom, practicality and funny straight talking.
With the current world financial situation, things are going to be tight for a while for many of us even if they werent already and well need to find ways to make sure the money we have goes further.
How to Spend Less without being miserable is full of techniques and strategies for cutting down on expenditure. As youd expect with Templar, therell be loads of common sense with a quirky take and plenty of fun.
Backcover
Most of us know that we spend more than we should. But we struggle to actually do anything about it, mainly because the idea of spending less means missing out or depriving ourselves doesnt it?
Not according to Richard Templar.
He knows that, if youre clever about it, your life can be just as good and cost you less.
With his usual mix of wit, wisdom and straight talking, Templar delivers cunning ideas on how to spend less, without taking any of the fun out of life. In fact, hed argue that your life is going to get a whole lot better when you know how to stop wasting money. You'll be able to stop worrying about what might be lurking in your next bank statement and just get on with enjoying life.
Introduction
You have to want to do it
Get your kicks somewhere else
Know your budget
Remember the glass is half full
Save time
Get organised
See it as a challenge
Make bargain-hunting a hobby
Know when a bargain is not a bargain
Hoard your savings
Try an alternative savings scheme
Look for cheap thrills
Give yourself a cooling off period
Imagine yourself without it
Put it away before you get it
Ringfence funds
Use big money
Say never never to the never never
Think green
Sell things
Be a barterer
Get online
Dont window shop
Carry cash
Dont play with pretend money
Freeze your assets
Do your weekly shop online
Never shop for food on an empty stomach
Shop in a hurry
Cut out coupons
Milk your loyalty
Make the most of supermarkets
Shop for quality, not quantity
Shop for quality, not for price
Calculate the price per wear
Decide what its worth
Be mail order savvy
Check out the benefit of brands
Ask yourself if you need it
Always try to buy in bulk
Try smaller companies for size
Get into the haggling habit
Never pay the asking price
Buy with selling in mind
Net yourself a bargain
Shop twice
Join mailing lists
Buy at auction
Get competitive
Know when to sell and when to buy
Support your local farmer
Stick to tap water
Change your habits
Buy less food
Buy cheaper food
Be a sneaky cheapskate
Cook for yourself
Use your leftovers
Use your freezer
Cook less food
Eat on the cheap
Become a vegetarian
Grow your own
Free food
Stay in
Go out later
Hold a swap shop
Bargain competition
Set up a babysitting circle
Meet for lunch
Share and share alike
Swap your house
Book late
Holiday at home
Work to live
Avoid currency traps
Get the kids involved
Think hard about insurance
Check your statement
Look for the best deals
Switch off
Dont heat what you dont use
Turn it down
Save water
Save petrol
Practise phone economics
Do your own
DIY
Make presents
Get the kids to make presents
Agree a budget
Have a family draw
Use cheap wrapping paper
Trim your Christmas
Shop in the January sales
Try a student
Recycle your kids clothes
Get hitched on a budget
Have a budget baby
Dont give up
Can life really be fun and frugal? The answer is yes. You don't have to stop enjoying yourself to reduce your outgoings. This wise, witty and warm guide shows you loads of simple, fun and pain-free ways to make your money go further - without taking the pleasure out of life.