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 (All posts may contain affiliate links. Please see my disclosure policy) 

(photo credit)

As you are probably well aware by now, we love trying to save money as best we can. We get a bit of a kick out of being frugal. But it isn’t just about looking at ways to make the big financial decisions cheaper, it is also getting the best deals that make us smile. But while we pride ourselves on finding the best money saving tips and tricks, sometimes our best deals actually comes through our friends and family. It is this idea that sharing is caring because that we all pay less but get more in return.

Below we have come up with some top tips and tricks to help you get the most out of this new sharing phenomenon, and by the most, we mean to save the most.

Loyalties & Cashback

Loyalty cards are all too often not worth the hassle. They demand so much

patience and so much loyalty and they hardly give much back in return. If you’ve ever had a loyalty card then you will know this. Howe

ver, as moneysavingexpert.com will support, there are ways to earn points even quicker and one of them is to give a family member your supplementary card. By letting your spouse, or sibling or parent shop with a club card that is linked to your account you can quickly rack up some points and make savings. When it comes to sharing these points, a great way to do it is to save them until a big event, such as Christmas or Thanksgiving and then pay for all the food with them. Just make sure you trust their spending habits.

Expand Your World

We were tempted to reserve this strictly for travel,

but all too often we explore the world through books as well; there is just no better way to expand the mind. So, tackling this first, why not sign up to a book s

haring site, of which more and more are taking off. If you want recommendations then go with Paper Back Swap | stay-a-stay-at-home-mom.com which is free to join. As for actual expanding your world through travel, if you travel a lot with work or know someone that does, why not share out your air miles or offer to buy some off a friend for below the market value. That way you can see the world for less, and what is better than that.

Television & Music

Almost all streaming services these days – both TV and music – let you have more than one person, device or screen registered to an account. Yes, this is technically against the rules, but we have not heard of anyone their access denied because of it. Netflix, NowTV, Amazon Prime, Spotify; they all have multiple access. You just need to decide whether you are going to split the cost of one or go with two for the price of one. Let’s say you just want Netflix, in that case, you could spend as little as $3 a month on unlimited films and TV. Or you could pay for Netflix and your brother could pay for Spotify and then you have access to the best of both for half the price. Once again, just make sure you trust whoever you’re partnering up and shar

 (All posts may contain affiliate links. Please see my disclosure policy) 

(photo credit)

As you are probably well aware by now, we love trying to save money as best we can. We get a bit of a kick out of being frugal. But it isn’t ju

st about looking at ways to make the big financial decisions cheaper, it is also getting the best deals that make us smile. But while we pride ourselves on finding the best money saving tips and tricks, sometimes our best deals actually comes through our friends and family. It is this idea that sharing is caring because that we all pay less but get more in return.

Below we have come up with some top tips and tricks to help you get the most out of this new sharing phenomenon, and by the most, we mean to save the most.

Loyalties & Cashback

Loyalty cards are all too often not worth the hassle. They demand so much patience and so much loyalty and they hardly give much back in return. If you’ve ever had a loyalty card then you will know this. However, as moneysavingexpert.com will support, there are ways to earn points even quicker and one of them is to give a family member your supplementary card. By letting your spouse, or sibling or parent shop with a club card that is linked to your account you can quickly rack up some points and make savings. When it comes to sharing these points, a great way to do it is to save them until a big event, such as Christmas or Thanksgiving and then pay for all the food with them. Just make sure you trust their spending habits.

Expand Your World

We were tempted to reserve this strictly for travel, but all too often we explore the world through books as well; there is just no better way to expand the mind. So, tackling this first, why not sign up to a book sharing site, of which more and more are taking off. If you want recommendations then go with Paper Back Swap | stay-a-stay-at-home-mom.com which is free to join. As for actual expanding your world through travel, if you travel a lot with work or know someone that d

oes, why not share out your air miles or offer to buy some off a friend for below the market value. That way you can see the world for less, and what is better than that.

Television & Music

Almost all streaming services these days – both TV and music – let you have more than one person, device or screen registered to an account. Yes, this is technically against the rules, but we have not heard of anyone their access denied because of it. Netflix, NowTV, Amazon Prime, Spotify; they all have multiple access. You just need to decide whether you are going to split the cost of one or go with two for the price of one. Let’s say you just want Netflix, in that case, you could spend as little as $3 a month on unlimited films and TV. Or you could pay for Netflix and your brother could pay for Spotify and then you have access to the best of both for half the price. Once again, just make sure you trust whoever you’re partnering up and shar

  (All posts ma

y contain affiliate links. Please see my disclosure policy) 

One of the interesting things about how we spend money today is that a lot of it never actually passes through our hands. Whether you use your cont

actless card in a stor

e, buy something online, or use a voucher, you are not actually handling cash. With only 8% of all the money in the world being physical, the rest simply exists as numbers on a series of computers. This is frightening in one way because it will affect how people spend and how their children grow up thinking about money. Making smart financial decisions relies on an understanding that money has real value. Its relative worth changes on the markets each day and foreign currencies strengthen or become weaker. But in terms of actual purchasing power, money is one of those things that you should teach your children about. In fact, one author and public speaker, Adam Carroll, did an experiment with his children where he replaced their monopoly money with $10,000 in real cash. This changed the way they played because the game had ceased to be abstract and had taken on real life consequences. This is especially important because one day your children will take out a loan for a car, or agree to a massive mortgage so that they can buy their first home. If they make a bad decision, it could seriously affect their life. In any case, making these transactions cheaper is always good. Here are a few ways of doing it:

(photo credi

t)

When it comes to buying a car, it is a good opportunity to teach your teenager about the value of the money that they will spend on the car. They are not cheap after all, and with the cost of insurance incr

easing beyond the rate of inflation, it is becoming more expensive. If they want to keep these costs down as much as they can, you can tell them not to modify their car. Research has found that putting a turbo engine in your car can raise the cost of insurance by as much as 132%. Putting decals and badges on the car will see a bump of 22% alone. However, if you tell your child that they need to get a job and pay for all or half of the cost of the car, when they get it, they will appreciate it more. If they do find that they struggle to find the cash, especially after they have taken

out the loan, they may want to consult an auto loan refinance rates comparison website. It is not an ideal situation, but learning from one’s mistakes is often effective.

(photo credit)

Getting a mortgage is obviously another massive decision. Helping your child involves teaching them all of the things that they need to prepare in order to have the best chances of being met with approval. If they have any debts that they did not pay off, it will mean that their credit rating is not that good. Working with them to pay off their obligations is the best first step. You should tell them that registering on the electoral roll is not only part of their civic duty, it will help them get a mortgage too.

  (All posts may contain affiliate links. Please see my disclosure policy) 

One of the interesting things about how we spend money today is that a lot of it never actually passes through our hands. Whether you use your contactless card in a store, buy something online, or use a vouch

er, you are not actually handling cash. With only 8% of all the money in the world being physical, the rest simply exists as numbers on a series of computers. This is frightening in one way because it will affect how people spend and how their children grow up thinking about money. Making smart financial decisions relies on an understanding that money has real value. Its relative worth changes on the markets each day and foreign currencies strengthen or become weaker. But in terms of actual purchasing power, money is one of those things that you should teach your children about. In fact, one author and public speaker, Adam Carroll, did an experiment with his children where he replaced their monopoly money with $10,000 in real cash. This changed the way they played because the game had ceased to be abstract and had taken on real life consequences. This is especially important because one day your ch

ildren will take out a loan for a car, or agree to a massive mortgage so that they can buy their first home. If they make a bad decision, it could seriously affect their life. In any case, making these transactions cheaper is always good. Here are a few ways of doing it:

(photo credit)

When it comes to buying a car, it is a good opportunity to teach your teenager about the value of the money that they will spend on the car. They are not cheap after all, and with the cost of insurance increasing beyond the rate of inflation, it is becoming more expensive. If they want to keep

these costs down as much as they can, you can tell them not to modify their car. Research has found that putting a turbo engine in your car can raise the cost of insurance by as much as 132%. Putting decals and badges on the car will see a bump

of 22% alone. However, if you tell your child that they need to get a job and pay for all or half of the cost of the car, when they get it, they will appreciate it more. If they do find that they struggle to find the cash, especially after they have taken out the loan, they may want to consult an auto loan refinance rates comparison website. It is not an ideal situation, but learning from one’s mistakes is often effective.

(photo credit)

Getting a mortgage is obviously another massive decision. Helping your child involves teaching them all of the things that they need to prepare in order to have the best chances of being met with approval. If they have any d

ebts that they did not pay off, it will mean that their credit rating is not that good. Working with them to pay off their obligations is the best first step. You should tell them that registering on the electoral roll is not only part of their civic duty, it will help them get a mortgage too.