Living for payday… Six ways you can TOTALLY beat broke January
January is a grim month for most of us and if you're a bit short of cash it's even worse.
But before you start contemplating selling a kidney or returning all your Christmas pressies… have a read of these six handy tips – they'll definitely see you through until payday.
1. Sell some stuff
Most of us have a few gadgets we don't need or clothes we don't wear anymore. Adverts.ie and Donedeal are handy ways to get rid of your old stuff and earn a few quid in the process.
Phones, laptops and cameras in particular are always in demand.
2. Get your five a day on the cheap
Check out the various supermarkets' offers on fruit and vegetables. With fresh fruit and vegetables for as little as 59 cent per packet in Aldi, we've never had such a good incentive to eat healthily!
Don't forget frozen vegetables too, these are usually cheap and can be used in stir-frys and soups.
3. Treat yo'self ..for free!
Dying for a treat but don't want to get into debt? Dig out those loyalty cards and see if you've any freebies due. Whether it's a free latte or a new nail polish, we could all use a pick-me-up in January.
Oh and that supermarket coupon booklet? Your new best friend!
4. Don't hibernate, get out there!
Get creative with your social life. Trips to the pub, cinema and that new foodie place are out until February, so make plans to get outdoors with your friends and family where possible.
Walks in the park, hiking in a scenic spot or a free exhibition won't cost a cent!
If it's lashing out, a movie night with homemade popcorn is a good compromise.
5. Stick to your resolutions
If you're struggling to stay off the fags or have a sober January, remember how much money these bad habits are costing you!
Stay strong and you'll have more disposable income at the end of the month.
6. Plan your next paycheck
We hate to preach but if you start a budget for next month now, it'll prevent you overspending on payday and ending up back in the same position.
Yes, it's been five weeks but no you're not a millionaire all of a sudden. Exercise restraint now and you'll thank yourself for it later.
