Small habits. We've all got 'em. You know, the little things you do which save money but they're so much part of your nature that you don't even think about them. I haven't always been a thrifty gal but since I've retired I've acquired new habits which are now second nature.
Small habit number one has to be budgetting and tracking. I use budgetting software (which I won!) and every purchase is recorded. At the end of each month I do my personal financial report, telling myself what I have spent on the house, the car, treats etc. Just being aware of what I spend has a restraining effect on spending. I set goals each month, some of which I share on this blog, and review my success or failure and why I got the result that I did. I also keep a spreadsheet called "Essential budgetting information" on which I predict cashflow so I can move money into the current account if needed.
Small habit number two again involves this laptop quite a lot. Many people can save money by growing things, using public transport etc. but disability means I can't. However, when I sit down for necessary breaks I always pick up the laptop and do a survey or maybe a few competitions. Neither brings in a huge income but together they make a small but significant contribution to the budget.
Habit number three involves not a laptop but a good old fashioned notebook. In it I note my shopping needs thus avoiding unnecessary trips to the shops. I also note guide prices so that I can stock up when I see a staple (eg laundry powder) at a good price. I also write down things to research before I buy. Yesterday, for example, I was looking at plants in a garden centre and almost bought a skimmia but noticed that there were several different varieties available. I don't trust the glowing terms which growers use to try and get me to buy so I noted the varieties available and will check before I invest my garden tokens. Hurrah for notebooks of the use-with-a-pencil kind.