GRACE SAYS:
‘I’m definitely a spender, not a saver’
‘My two spending weaknesses are the supermarket and the the centre, they’re like sweet shops to me! We’re having building so I’ve work done at the moment, meals as I stopped planning our ended used to and I’ve definitely on food. up spending a lot more I don’t I often overbuy, although waste food because I freeze a lot. The only thing I sometimes feel a bit guilty spending money on is my hair. I have it highlighted and, regularly, which is expensive it cut because it’s short, I have I justify every four to six weeks. much it because I feel much, good! I’m better if my hair looks a saver, definitely a spender not the best. and I believe in buying
KALPANA FITZPATRICK,
Maximise savings Grace is not really missing a trick and saving regularly. A stocks her a shares ISA should give as long stronger return potential, money for as she doesn’t need that said, five years, ideally 10. That a deposit for short-term savings, ideal. or fixed-rate account is possible Shop around for the best interest rate at comparethemarket. moneysupermarket.com. com or Save on beauty treatments expenses One of Grace’s biggest She could is beauty treatments. beauty save up to 40% using booking site treatwell.co.uk. Having said that, I always know how much is in my account. feeling
I still remember the awful feeling I had as a young woman to the bank in my first job and went I was told to get some money out. just burst I was £9 overdrawn and to be in into tears! I couldn’t bear that’s debt and that’s something really stuck with me throughout my life.’ What I learnt: ‘Keeping the diary made me aware of the fact that I don’t save regularly. I have a to it. nest egg, but I’m not adding meals out Instead of spending on going to start or theatre tickets, I’m to put making a concerted effort month. Some something away every be about £50, months it might only thing but at least it’s a satisfying up.’ to do and can soon add
FINANCE EDITOR, SAYS:
Meal plan Finally, she should definitely go back to meal planning, as it's a surefire way to stop overspending on food