How to Save Money on Expenses When You’re in A Low Paid Job

When you’ve just been granted an opportunity to step foot in the industry of your choice, it can often come with the side effect of a low wage. If you’re in a low paid job trying to get the essential experience you need for success in your field, it helps to know where you can cut back to make ends meet. Stick to a budget It’s important to have a clear figure for what you should be spending week by week (even day by day). Just having a number in mind will go a long way towards ensuring you’re aware of cutting back. Plan your meals It can be tough to stay organised and on top of meals when you’re busy working and having a social life, but staying on top of lunches is a great way to ensure you keep your weekly costs down. If you’re out and about, minimise expenses by bringing a packed lunch, instead of impulse buying snacks or splurging for the sake of convenience. Here are a bunch of great ideas for cheap lunches you can make yourself ahead of time to cut back on costs. Come prepared and reap the savings! Use free internet and cheap phone options Make the most of free internet dotted around your city. All public libraries, many food chains, and more, offer free Wi-Fi. Instead of opting for expensive data plans, consider where you might cut back and utilise free resources. Make sure you’re on the lowest possible plans for your needs, and supplement extra data costs where necessary with freebies. Take a look at and compare cheap phone deals on Student Money Saver. Wherever you can save on the essential bills, take advantage! Every little helps! Buy at a discount If you’re in need of clothes for work (or just in general!), discounts on activities, meals and more, keep cost-saving apps and websites in mind. Groupon is one of the best places to plan and buy cheap exercise, health services, food, and other items. If you still have your student card handy (or student email, specifically), sign up for the like UniDays app. It will have a constant stream of discounts to utilise across a series of well known brands. Perfect when you need something, but can’t pay full price. Services like this one will offer percentage discounts, whether you shop online or in store. Consider your transport options If you’re confident with it, cycling is a very economical way to travel – it’s cheaper than public transport, and faster than walking. Though they require an upfront investment, it’s worth considering if you are prepared to cycle long term to work. Otherwise, apps like Citymapper and Google Maps are great tools for helping you coordinate your way around, no matter where the night takes you – or how late your adventures continue! Whilst it might take a bit longer, public transport is always better than resorting to taxis. Of course, Uber is often the best deal you can get if the more affordable public transport isn’t possible. Take advantage of signing up your friends for added Uber deals. Use discounted travel If you’re in London, there’s absolutely no reason not to have an Oyster Card. For any regional or other travel, it’s worth investing in the 16-25 Railcard, which is particularly handy if you are eligible. Costs can often be up to a third off, and you can also pair a railcard to your oyster for added discounts. Make your home your gym There’s no need to spend big on a membership if you’re trying to cut back – your home presents plenty of opportunities to stay in shape. Use this list of the 19 best exercise podcasts curated by personal trainers and other experts. They offer you their knowledge and experience for free, from the comfort of your own home. A great place to start is the Yogamazing podcast, which is detailed, accessible and caters to all levels of skill. And don’t forget that household chores present plenty of opportunities to burn calories. These might include vacuuming, gardening, scrubbing surfaces or mowing the lawn. Whatever gets the heart pumping counts! These are just a few ways you can save on your key expenses. Don’t sacrifice your health, happiness and safety because of a low wage – apply these principles and get the most out of your pay packet.