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Our top tips on how to spend sensibly and keep your New Year saving resolutions

JANUARY sale bargains can often scupper any New Year saving resolutions.

I spoke to life coach Emma Mumford, who gives this advice on sensible spending to help you save even more pounds.

Using your head: Mindful spending is a positive way to look at your finances. Ask yourself, “Does it feel good to spend this money? Is that splurge going to make me feel happy for the month ahead?” If the answer is no, then put it back and wait. See how you feel another time, maybe when you next get paid.

Say it right: It is easy to fall into bad habits and use phrases such as, “I’m skint, I haven’t got any money this month” or ‘I’m terrible with money”. Get out of this habit. Switch to positive statements and if you can’t afford to do something, say, “I’m choosing not to spend any money at the moment, but thanks for inviting me.”

Tops deals: Favourite places for offers have to be my previous brand Extreme Couponing and Deals UK’s Facebook page. They post tons of great coupons, deals and bargains every day to help you save on the essentials.

Get real: My top tip is to get real with your finances. Avoidance is the biggest cause of a negative relation- ship with your money. It’s easy to avoid looking at a bank balance and debts and many of us end up guessing at what we have left for the month. Work out how much debt you have, how much your bills are and how much you have in your bank account. You may be pleasantly surprised. Once you have clarity and acceptance of your situation you will feel more at ease within yourself.

Deal of the day

IT is Burns Night tonight, so A drop of Scotch would go down a treat. At Tesco, a 70cl bottle of Talisker Skye single malt is £26, down from £39.
SAVE: £13

Cheap treat

THE Co-op has a Burns Night treat at stores in Scotland. Its haggis pizza deal is £4, down from £6.09, and comes with a six pack of Irn Bru.
SAVE: £2.09

My Sun Savers fiver

SHIRLEY CHEN, from Leeds, says: “I will use my Sun Savers fivers to buy food for the homeless man near my workplace.”

Top swap

SWAP the £12.50 tartan skirt from for the £8 version from Boohoo.

SAVE: £4.50

Reader's saving tip

JULIE AUSTIN, from Marden, Kent, says: “Whitening toothpastes have bicarbonate of soda. A pot of bicarbonate of soda costs less than £1. Put your usual toothpaste on your brush, then dip it into the powder.

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Martin Lewis explains his New Year money-saving resolutions to help you save THOUSANDS of pounds

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