Getting Money Savvy in 2019

AD | Money makes the world go round, the world go round, the world go round. Money makes the world go round, it makes the world go round. A mark, a yen, a buck or a pound. 10 points to whoever knows where that’s from. But anyway, enough singing. Today I’m talking about money *halt the breaks*, which I know can still be a bit of a taboo and hush hush topic. But since becoming a blogger – a full time actual money making blogger to be more exact – my attitude and the way I see money has definitely shifted somewhat.

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It could be that I’ve gotten older and actually had to think about it a bit more. Or it could be because I’m making money that I wasn’t making before. OR it could be because there are a number of amazing bloggers in this industry who are extremely open about money and bring money into the conversation and turn it from this disgusting thing, to something that’s total normal and fine to talk about.

You know what, everyone needs it. Everyone wants it. It’s around us wherever we go. Why don’t we just, you know, talk about it? A bit?

This year in particular I’ve definitely found myself more passionate about money, finding different ways to make money, reading more blog posts about money and managing my money, my spending and my savings even better than before. And I tell you what, it never hurts to take a look over your money habits and streams and just analyse it a little bit because you never know what you might work out.

So, for me at least, 2019 is the year to stop being shy and prudish about money. And the year to talk about it more, share ways I make money and the ways you can make money too and also other aspects of money that we don’t tend to think about:

Earn extra money with little effort

Aside from our full-time or part-time day job, extra money would never go amiss. But if we’ve been working all day (or night) I can’t imagine many of us would want to do too much extra work on top of that. Self care and taking time for yourself is just as important! I’m really into survey sites, which I’m planning to do a more detailed blog post about in the coming months as a super easy way to make some extra cash with very little effort.

Granted, it’s not a huge amount extra but £50 here and there will all definitely add up and is a great way to set aside money for Christmas, birthdays or special occasions throughout the year without digging into your savings! Selling old things on sites such as eBay or Depop is also a quick and easy way to make some extra cash. Taking the photos and creating your listings might take a little time but once it’s done, it’s done!

Find the right help, if you should need it

Should you ever find yourself in a sticky situation where you need a short term loan, there’s certainly no harm in finding the right help. As long as you know you can pay it back and can manage your money well, then websites such as Cashlady.com should have you covered, with free applications and friendly, fair and transparent communication so both parties know exactly what you need and how they can best provide.

Making money through blogging

If you’re a blogger (which there’s a high chance you will be if you’re reading this!) then if you have the right tools and techniques, then there’s certainly room for earning money through your blog. I recently wrote a post about how and where to find blogging opportunities, which I’ve already had some people tell me that they’ve bagged themselves some opportunities through following that post, so that might be a good place to start!

You can make money through blogging in a variety of different ways; sponsored posts, affiliate links, sidebar ads, offering advertising packages, creating and selling your own products, posting on Instagram or Twitter and much more. If blogging isn’t your full-time job but you’re passionate about it and feel like you might be in a place to open your space up and work with brands, then I’d definitely recommend it!

Managing your money

This is arguably the trickiest thing for most of us to do. Sometimes it’s the management of our money that causes the most stress and actually lets us down, not making the money in the first place. Obviously there’s no one size fits all with this point because everyone reading this will be in different circumstances, with different priorities and different things they have to pay for. So it’s a difficult one to address.

But the main thing I’d suggest here is organisation. I’m hugely organised and I’d probably say it’s my strongest skill and I know that some people are naturally organised (and that’s fine!) but learning some organisational techniques for busy areas in your life that you need to keep in check will never hurt anyone. Think notebooks, spreadsheets, charts, graphs and anything where you can physically see where your money is going and coming from.

Saving money

And finally, saving money. We all want to do that don’t we? I don’t think anyone would say no to saving money on something or having more disposable income at the end of each month. Again, this is something else that will be different for everyone but some quick and simple ways to save money could be:

  • Using the library instead of buying books
  • Shop at charity shops or use eBay, instead of high street stores
  • Cut down on takeaways
  • Plan your meals to cut down on food waste
  • Try and fix what’s broken before buying something new
  • Make things instead of buying them (if possible)
  • Research free days out in your area
  • Use discount codes wherever you can
  • Be wary of your electric usage in your home
  • Cancel any unused memberships (e.g exercise at home instead of the gym)
  • Take lunch into work instead of buying it
  • Join reward schemes for shops you use often

Obviously those are just a handful of ways to save money but it’s a good place to start if you’re really struggling to know how and where to begin!

Are you open about money or have you found yourself becoming more open to talking about it? What ways do you save money which are effective? And how do you manage your money and keep track of your spending and saving?

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Posted by

Twenty-something lifestyle blogger from Essex. Book lover, Slytherin, organisational wizard and enjoys Motorsport, Disney and Yoga.

50 thoughts on “Getting Money Savvy in 2019

  1. Hello Jenny
    I have been mentally preparing to take the plunge into a few things all of which are relative to this post and many of the categories mentioned. I am highly interested in becoming a financial blogger. I am in the process of saving as much money as possible and have priorly initiated and/or begun taking some of said steps you’ve mentioned. Finally, I would love to develop, incorporate/practice, and share ways to make income from home. In essence I’d like to tell you that I really enjoyed and appreciated your post and will be following you in the future to get additional tips, hints, and clues to how I can heighten my experience on all things saving, blogging, finances, etc. Thanks once again.

  2. I don’t really have any money to put aside towards any savings but I do do a weekly budget. I always shop around for the best deals too, which others find annoying as it can take me hours to purchase one thing lol 😀

    Sarah 🌺 || Boxnip

  3. I like to think I’m fairly sensible with my money but there’s always room for improvement! I’m actually really into survey sites as well. I think they’re a great way to break up your day too. I tend to go on one if I’m getting a little bored or distracted and I don’t feel as bad for not working because it’s still making a little money x

    Sophie
    http://www.glowsteady.co.uk

  4. I’m hoping that a part time job will bring in more money so I can be properly savvy and start saving but I used to save for presents for Mum like days out or her favourite perfume. Maybe that will help me out since I really need a break!

    Daisy xoxo | TheDeeWhoLived

  5. I totally agree with you on the importance of finding more ways to make more money as well as paying attention to your spending habits!

    Money is important and, despite how this should be a given fact, most of us don’t realize it and never talk about it. I only started paying attention to how important it is to manage my finances at the end of last year, which is why I started my blog as an experiment to see if I can succeed at achieving my own financial freedom. It’s only when you consciously realize how important it is that you know you must start to talk about it!

    Now I pay more attention to money, and by writing/blogging about it, it’s almost like creating reminders for myself whenever I’m about to slip into that bubble of “money is not that important!” My conscious-self goes, “well, why don’t you go tell that to the cashier at the grocery’s or your bills at the end of the month?” Lol

  6. I can’t wait to read your post about surveys! I try to make lists of my incomings and outgoings, but there’s always unexpected outgoings that I don’t budget for 😖

  7. Since reading Refinery 29’s Money Diaries I’ve become a lot more open about money. It can still be a little awkward though!

  8. Fantastic post! I’m not really secretive about it when it comes to family etc but it’s always a funny one. I love how open about it you are here! Gah I love Survey sites! Looking forward to seeing which you mention to see what I’m missing! Great post!

    1. I’ve actually been using some of them for years but only within the last half a year have I really buckled down with them! The results have been great and I’m LOVING Prolific right now 😌 Ah I can’t wait to read it!

  9. Woahhh a post I didn’t even realized I needed so much. I feel like I try to be a smart spender with the occasional treat here and there BUT they’re so many things I didn’t even know about. I’ve never heard of the cash lady site and I think I’ve heard Depop mentioned before but I never really paid too much attention to it. I try to save money every paycheck I get so I Lena I’m not the worst at trying to save but these tips sure are helpful! Thanks Jenny! 💵💕

    xx Lena | https://lenadeexo.com

  10. I made a promise to myself at the start of 2019 to be more money savvy and be watchful of my spending, since my hours in work reduced in September last year, it’s really helped my finances as I am more wary of the stuff I buy, it helps that I get paid weekly as I can keep an eye on my money better! xx

    Lucy | http://www.lucymary.co.uk

  11. I’d love to make money from my blog but after reaching out to brands and being rejected or not hearing back from them I gave up! There are some great tips in this post though, I definitely agree with taking lunch to work instead of buying it everyday. When I see my colleagues spending £5+ a day on Greggs/Subway/McDonalds I’m literally like do you know how much money you’re actually spending on food every week?! I do need to cut down on takeaways myself though!

    Jess // foundationsandfairytales.wordpress.com
    xx

    1. You defiantly shouldn’t give up. I’ve pitched to over 30 brands and only ever had a response from one of them. And even then, it was only a product review. There’s other ways to make money and work with brands so please don’t give up! 😌

  12. Loved this post! This year I have made a promise to myself that I’m going to start saving more and if I make any money from blogging (hopefully) that’s all going into the savings too. Money is a very taboo topic but it is something we should be taking about! Xx

  13. Hi Jenny. I just started my blog last month. Of course I didn’t expect to start earning immediately but I was nervous. I wanted to write articles so I started my magazine. But somehow I still doubt myself that if I can be a better writer? Maybe its just my nervousness.

  14. CABARET of course! My daughter was in the musical in high school, and we saw the US tour at the Buell Theatre in Denver.

    Did you wait until you had a certain number of followers before monetizing?

    1. Haha of course! 😂 I didn’t wait, no. It just happened when it happened and honestly I couldn’t tell you how many followers I had when I got my first sponsored post. I’d been blogging for around 3 years though I know that.

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