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How to save money in Spain

How to save money in Spain, and how to find ways to save money online. Saving money is something that we are all a bit interested in. Find out how you can stop losing money on foreign exchage and currency rates and save money on foreign exchange rates instead. Find out how you can save money by an expat financial review. Learn more about expat health insurance and how you can save money on every day living expenses in Spain. You may even be able to save money on tax, and make the most out of your UK pension

The Ultimate Guide to Saving Money in Life: Save Money in Spain and All Around the World
28 October 2017

When I am not too busy, I like to participate in this online money saving forum. I have been a member for a couple of years now, and it is a lot of fun to swap money savings tips with other savers, and people who like to watch their budget. The other day, I was asked by a girl, what my ultimate guide to saving money in life would be. Do you know, I had to take a step back and think about what my ultimate tips for saving money would be.

Top Ten Tips for Saving Money

When it comes to saving money, there are at least ten things you can do save money to do get the chance to do the things you would like to do in life. Personally, I love to travel, and if you are into saving money, I think it is a good idea to have a reason for doing so. Mine is to travel, and over the years, I have even become good at saving money when it comes to traveling. But of course, you need to have enough money to travel in the first place.

Set a Budget

Setting a budget used to be in, but these days, it is something most people don't do. However, setting a budget is just as important as it was about 40 years ago, and I always set a budget. Since I have learned how important it is to budget for what you need, I have budgets for everything. The most important budget that I think that we should all focus on, is our grocery budget. Supermarket shopping never seems to be getting any cheaper, and there are many tricks you can apply to your grocery budget to make it stretch further.

Be Honest About Expenses

Just accept there are certain things in life which are going to cost money. That is mainly your home, car and day to day living expenses. If you like to go out for coffee with your friends in Spain every day, you know that it is going to cost you at least Euros 1,50 per day. When you acknowledge that, you know that you will be prepared for that expense. However, if you only went out for coffee three times per week, you could potentially save 6 euros per week, and that in turns adds up to 312 euros per year.

Clothes – Are They Really Value for Money

We all need clothes to wear, but are they really value for money? The other week, I had built up enough money in my clothes budget, to go shopping for a new autumn and winter wardrobe. Surprisingly as I hit the shops with my friend, I realised that clothes these days, are not so well made. Some of my friends get some excellent deals in charity shops or second hand shops. I decided to do the same, and ended up with some great clothes, and some were even designer brands.

Saving on Your Car

One thing that I have learned from mistakes that my friends have made, is that it pays to look after your car. Have it serviced as per maintenance schedule, and make sure you ask the mechanic to change any belts which need changing. A damaged engine will cost a small fortune, so scrimping on vehicle service costs, is false economy. Instead try to save on fuel, but still buy a quality fuel to keep your engine happy. Make sure you sign up for points and money saving schemes at service stations. This is, along with getting a good deal on car insurance, is a great way to save money.

How to Save on Health Insurance

Not everybody can access free health care, and have to pay for private or expat health insurance. In general, you fill find that health insurance becomes cheaper the younger you are when you join a scheme. Before you sign up for health insurance, check the deal you are getting carefully – there are often small details which are easy to overlook.

Saving Money on Food

Of course, there are plenty of deals on food, but one thing that helps more than anything when it comes to saving money on food, is to make a shopping list and stick to it. When you start to stray outside your shopping list, you will find your food costs can rise quickly, and you may even end up spending way too much money on food.

Waste Not Want Not

What do you do with that last banana which is beginning to go a little bit brown, or that last potato which may be a bit soft? Or that last yogurt pot which you don't fancy anymore... Food waste is one of our biggest expenses, and we throw away billions of dollars of food around the world every year. Stop doing so and find out what you can do with the food which is left in your fridge by the end of the week. Have you ever tried banana cake made with yogurt? If you haven't, you should try it. That last potato would be great as part of a warming root vegetable soup by the way.

Cancel the Gym Membership

No, you don't need to be a member of a gym to keep fit. Did you know that most people who are not gym members, but exercise anyway, are a lot fitter than people who go to the gym? Do you know who the fittest people are? Here is a real kicker for you – dog walkers are super fit. If you don't have your own dog, why not start a dog sitting or dog walking service? A great way to keep fit and make some extra money at the same time.

Check Your Kitchen Appliances

Do you need to use your oven all of the time? Using the oven in your kitchen is not exactly economical. Try to check out different ways to cook food. Slow cookers and steamers can save you a small fortune of your electricity bill, and at the same time, both steam and slow cooking, are two healthy ways to cook. Buy appliances which meet modern energy standards, and check that you are making the most out of electricity companies money saving schemes.

Water and More Water

Water is quickly becoming an expensive commodity and you should use it carefully. Do you really need a dishwasher, or can you do the dishes by hand? Make sure that you change your taps which use less water. They can be found in DIY shops, and can quickly shave a lot of money oFF your water bill. At the same time, do a full load when you do the laundry. A couple of items can cost you a lot of money to wash, and when you do it all of the time, it is like throwing good money out of the window.

Finally, don't forget to check that you are making the most money out of your investments and saving money on things like currency exchange rates. Don't stay with a guy just because you like him. Get a financial adviser who is going to make you some money. Check out that your financial adviser is genuine, and that your investment is protected. Our world is rather topsy turvy at the moment, and saving money is becoming a priority for many people. Why not make it yours, and at the same time, try to find something that you can save up for. Perhaps a cruise or special sunshine holiday with your dearly beloved. 



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Should I Invest in Bitcoin as Part of my Financial Plan?: Complete an Expat Pension and Financial Review in Time for Brexit
24 October 2017

More and more people are becoming concerned about the future of currency and currency investments. Foreign exchange rates are always on the move, and you never know what the future is for any currency these days. One minute the US Dollar is shaky, and the next minute, Sterling is on its way down again. So many factors influence the value of foreign currency, and the Brexit process taking place in the UK, is having a huge impact on Sterling.

Brexit and Value of Sterling

The outcome of Brexit, could have an effect on both long term and short term investments. If you are holding your investments in foreign currency options, you will almost certainly see some sort of effect on the value of your investments. Predicting the future for currency investments, is becoming more challenging by the day, and even some so called financial masterminds do not seem to be too sure what effect a no deal will have on Sterling. The likelihood is that foreign exchange value of Sterling, will fall even further if there is no deal with Brussels. If you are a British expat living abroad, that could have a serious impact on your pension and any regular currency transfers to the country you are living in.

Bitcoin and Cryptocurrencies

Now could be a good time to review your investment options, and maybe even switch away from some of those traditional ways of investing. Bitcoin is not the only cryptocurrrency out there, but it is the one which most investors seem to be talking about. At the moment, even UK banking regulators are taking a look at Bitcoin, and some of the other cryptocurrency out there. It looks like it will not be long before cryptocurrencies go mainstream, and by then, they may even end up being out of many investors reach. After all, cryptocurrencies such as Bitcoin and Ethereum, are increasing in value on a daily basis.

Bitcoin – World Currency of the Future

However, you should be careful before you make any investments in Bitcoin and other cryptocurrencies. It is possible some investors like Tim Draper will make a killing out of their Bitcoin investments, but you need to ask yourself if Bitcoin, is the right investment vehicle for you. At the end of the day, there is very little regulation surrounding Bitcoin, and even though many claim, it is going to become a world currency in the future, that day is still a long way of on the financial horizon.

Thinking Out Of the Box, and Making Up Your Own Investment Portfolio

If you would like to invest in something a little bit out of the box, perhaps you should start to consider investing in precious metals and stones instead. So far, you can truly say that the value of gold and precious stones has never really fallen. Of course, you need to know where to buy gold, and investing in gold online, may not be the best option. Buying gold can be a much better option.

Tips for Investing in Gold

Frequent cruisers are only too aware of benefits of investing in gold. There is a good reason why you see yards and yards of gold chain sold on cruise ships. First of all, you avoid paying VAT and duty, and number two, the more you buy, the better rate you will get from the vendor. Stick a clasp on, and it is likely you will bring that gold back home, without having paid any taxes on it all. In that case, your investment has already gone up at least 20%.

Holding your investment in actual physical gold, is a valid investment option for many. Of course, you will get charged in US dollars when you shop for gold onboard a cruise ship, so watching your exchange rate is vital. It is a good idea to have a prepaid debit card to hand to pay for your cruise ship investment at the end of the cruise. If you have a prepaid debit card, you will already have locked in an agreed exchange rate.

The truth is that you can do very well if you are brave enough to be your own investment advicer. Expat investment advice can be pretty fluid, and even risky at times. Learn from some of the top investors in the world, and start trusting you gut instinct.  



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How Save Money on Travel Money: Make the Most out of Your Travel Cash
13 October 2017

There always seems to be a holiday around the corner, and most of the time when you travel abroad, you are subject to changing your money into another currency. Some of us still change our money at the airport, but the truth is that you always get a bad deal at airport currency exchange offices. It is a good thing to plan ahead if you have a holiday coming up, and check out how you can get the best foreign currency exchange rates.

Ordering Ahead for the Best Deals on Foreign Currency

One of the best things to do if you want to take your travel money with you in cash, is to order ahead. Most UK banks offer a special service and will always give you a better exchange rate than if you walk in and ask for the cash. If you work in a town center, or close to your own bank, this is one of the best way to get a good deal on travel money. Some banks have special rates if you order a higher amount of travel money. In the long run, it may just pay you to exchange more money to get a better foreign currency deal.

The Post Office in the UK

If you often travel abroad and need travel money often, you may be surprised that the UK Post Office offer travel money as well as banking services. Look a little bit closer, and you will find the Post Office will surprise you with both their financial services and foreign currency exchange service. Many of them have extended opening hours, so making the most of this service is easy.

A Foreign Currency Prepaid Debit Card

Foreign currency prepaid debit cards have been around for a while now. There are some which charge next to nothing for the service of using the card. All cards are different, so you need to make sure that you pick up the right prepaid debit card for you, and ensure it operates in the currency that you would you will be needing. Some foreign currency prepaid debut cards are now so flexible, and you can even change the currency in which they operate. That is really handy if you travel to different destinations around the world. The most common foreign currencies this applies to, are US dollars and the Euro, but you can find other currencies as well. Make sure that you don't pay too much for the service, but having one prepaid foreign currency credit card, could save you the trouble of having several cards and paying out extra fees.

As always, do check the foreign currency rate before you travel, and invest in your travel money. If you are a frequent traveler, it may even pay you to set up a bank account in a specific currency with your bank , or one of their offshore partners.

 



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How to Save Money and the Environment at the Same Time
08 October 2017

I think that we are all beginning to adopt a slightly different attitude towards money and the environment, and there are occasions when the two go hand in hand. There are times when you can conserve nature as well as your money. I have been going through our household accounts, and I have found that during the last year we have made savings which can all be linked to the environment as well.
 

Light bulbs - we have changed all our light bulbs to low energy or LED. The initial bulbs cost more but the savings we have made on our electricity bills are really beginning to show through. Also remembering to turn out the lights has helped. We just to be quite sloppy about this in the past, but now it has become a house rule.
 

Windows - making sure all the windows fit properly has been an important factor in coming the apartment warm. if you are buying a property in Spain or elsewhere, make sure that any appliances included in the sale, are enegry efficient. If any certificates are required, you should ensure that they seller provide them to you before the sale.

Appliances - all our main appliances now have the top rating for energy efficiency. This is really important especially when it comes to washing machines, and refrigerators which do a lot of the work in our modern homes. We have also stopped using the dish washer as this was just too expensive.

I am sure there are many more tips, and ideas. Switching to cheaper ways of cooking food such as steaming food is another top tip, and if you are really serious about saving the environment and money, you can always install solar power to your home. It is the ideal energy solution for many homes in warmer and sunnier countries.


 



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How to Save Money with Balance Transfers on Credit Cards: 6 Top Tips for Credit Card 0% Balance Transfers
21 August 2017

Life is very expensive, and many resort to store and credit cards to pay for treats like holidays, and clothes. The only problem is that interest rates on credit and store cards can be excessive, and to clear the debt as soon as possible is vital. If you have a good credit score, you can transfer your debt to a credit card which does not charge you interest. This mean you will be able to clear the debt quicker. However, there are a couple of things you need to be aware of when you take out a balance transfer card deal.

The Cost Of Transferring the Debt

Nearly all balance transfer cards will charge you a small fee for transferring the debt, so before you sign up for any deals, make sure that you check out any associated fees. Some of the cards which will let you pay the debt off for a longer time, will charge you a bigger fee. Make sure the card you pick is right for you. If you don't think that you can pay off the deb quickly, go for one of the cards with the longer repayment period.

Pay The Debt Off Quickly

When you have successfully transferred the debt, you want to pay the debt off as quickly as possible. Of course, you can always shift the debt again, but it may effect your credit score, and having a healthy credit store is essential for all of us these days.

Try to pay off the debt before the 0% rate ends as normally by the end of that period, the interest rate of the cad sky rockets, and you really don't want to have to pay any unnecessary interest.

Pay At Least the Minimum Amount

Your 0% balance credit card is likely to have a few terms and conditions. Most of them require you to pay the minimum amount every month, and the payment must be in on time. If you cannot meet those requirements, you are likely to lose your 0% balance making the balance transfer pointless in the first place. Check out how much you are spending on other things, and perhaps cut back on some expenses. Going out for coffee a couple of times everyday, can quickly add up, and if you can save an extra 5 per day, you will end up another 150 towards your monthly repayment.

How to Find the Right Card for You

Most of the sites which offer cards with 0% balance transfer rates, have their own debt calculators. They are very useful when it comes to checking out which card is right for you. It also gives you a goal. By putting in how much you can afford to pay every month, will motivate you to pay the balance off quickly. There are also a couple of comparison sites which you want to check out, and you never know, even you local bank may want to help you. Too few of us treat our banks like the businesses they are, and we should all be making the most of what banks have to offer us. After all, they are quick enough to make money out of you.

Your Credit History and 0% Balance Transfer Credit Cards

If you credit history is not as great as you want it to be, you may find the card company offers you a shorter repayment period. You need to make sure that you actually get what you think you are going to get. The card company, or bank, may be offering a 20 month repayment period on their website, but when you actually get an offer or read the small print, you may find you will get a shorter repayment period. The repayment period is almost always affected by your credit history, so it is vital to make sure you know what you are getting.

Do You Always Need to Get a New Card ?

Yo don't always need to get a new card, or cards. Having more than one credit card is not that unusual, and you may find that you can spread the balance over several card. This means the interest on the debt could be less, but this is a bit of a gamble to be honest. It can save you 100's, but you really need to check out the terms and conditions of your cards.

Not only that, do call your credit card company. The world of finance is very competitive and your current company would probably hate to lose you. You may even find that they have another card deal to offer you, or could perhaps give you an interest free period to pay your card. This is not so uncommon if you have your credit card facility through your bank. Your bank will know your credit history better than any other company, so don't forget to speak to your bank. Set up a monthly repayment so you know you have to have the debt paid within the agreed time frame.

 



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Top Saving Tips on Your Next Cruise: How to Save Money on Your Next Cruise Vacation
04 August 2017

Over 21 million people go on a cruise, or cruise vacation, every year, and many still pay top dollar for a cruise. Cruises are an excellent way to travel and see many exotic ports. A good way to describe a cruise vacation is to say you basically take your hotel with you. However, bringing your hotel with you is not always cheap even though it is a convenient way to travel. You can save money on a cruise, and with a little bit of savvy, you can save a lot of money on your next cruise. But you do need to know, what the top tips are for saving money on your next cruise?

How to Save Money on Your Next Cruise: Become a Flexible Cruise Passenger

If you have some time on your hands, you can easily save money on cruises. It is important to be flexible on both the itinerary of your cruise, and the timing of your cruise. Most cruise passengers have a certain itinerary in mind. You may want to see the Greek islands before you cruise on to exotic locations such as Israel and Egypt. But, you often find the cruise company will run a return cruise. Guess what? The return cruise to the port you wanted to start your cruise from may be cheaper. Does it really matter? You will still see and experience the same things, but you could save yourself a couple of hundred dollars. Isn't it better to save money???

Timing is important when it comes to taking a cruise vacation. If you don't mind cruising out of season, you can save a lot of money. You may think that August is the perfect time to visit European capitals, but in fact it is often too hot to walk around at this time of the year. Aim for a cruise vacation slightly out of season. Your travel agent may tell you that you get a lot of storms in the Mediterranean then, but that is not true. You get can get storms or high winds any time of the year in the Mediterranean, but surprisingly September could be the worse month.

Should I Book My Cruise Vacation in Advance or Wait for Late Availability?

Late bookings on cruises can be great value for money, the only problem is that the best cabins might be sold off. Start checking out the cruise companies that you would consider going with in advance. Take a look and see if there advance booking discounts that are as good as their late booking deals. Often advance bookings deals are better, and they may even include little extra benefits such as drinks or excursions packages.

Do a Deal with Your Cruise Company

Do you book through a travel agent or directly with the cruise company? Some argue it is better to book with a travel agent for peace of mind, but I am not sure that is true. Travel agencies do have special offers, but you can probably get a good deal by booking direct. As a matter of fact, don't be frighten of asking for a deal. Ask the representative on the phone, if he or she can give you a special deal if you book TODAY. Remember they want to fill those ships, both for their own sake and the staff that work for tips only, so getting passengers on board is vital. TODAY is the operative word if you want to get good discounts, and does not only work when you book your cruise. Try it when you are out shopping, and you will see that little five letter word, can get you mazing discounts.

Sign Up For the Weekly Newsletter

Cruise companies love sending out newsletters. The more newsletter you sign up for with cruise companies direct, or their agents, the likelier you are to get a good deal on your cruise vacation. Shop around still and make sure you are comparing apples with apples. If that the same cruise, or similar cruise, is available with an other cruise company, go for that one instead. Loyalty does not always work, but make sure you are not missing out on things like drinks packages. Get to know the value of drinks packages, and make sure the complete cruise saves you money.

Cruise Lines Loyalty Programs

Most cruise lines have loyalty programs, but they all work slightly differently. The best cruise lines loyalty programs are the ones which give you discount off your next cruise vacation and some special benefits as well. Check out the following cruise lines, and compare their loyalty programs.

MSC Cruises

Carnival Cruises

Princess Cruises

The three cruise lines cover slightly different cruise destinations, but they all have good loyalty programs. If I am completely honest, I have saved a lot of money with the MSC cruise loyalty program.

Smaller Ships – an Insiders Tip

Getting money off your next cruise can be done in all sorts of ways. I will let you in on a little secret that I have discovered in the cruise industry. Get to know the fleet of the cruise lines you would like to travel with, and you will soon find it is cheaper to travel on the smaller ships within the fleet. Princess cruise cruise line is the perfect example. They do a lot of cruises in and around Japan, and their smaller ships are always cheaper. You may have to get from Tokyo under your own steam, but you even save money after having bought a ticket on the bullet train.

Would You Like to Go to Europe for the Summer, and back Home for the Winter?

In that case, check out repositioning cruises. I spent four months traveling around the Southern US States after finding a repositioning cruise into Miami. It was great and guess what I did on my way back to Europe – I caught another repositioning cruise. Not only did I get two days in New York on my way back, but I got to see the Azores on the way out. It is expensive to travel to the Azores, and I would not have gone otherwise, but the repositioning cruise made it possible. Most repositioning cruises are great value for money as they often include drinks packages and even free excursions.

Organise Your Own Excursions

When you are on a cruise, it is easy to organise you own excursions. Read about about your destinations before you get there, and then visit locals attractions on your own. Your first stop when you get off the ship should be the local tourist office to pick up a map. But, I have also found the app Pokemon Go is a great way to find exciting places that are perhaps a little bit tucked away.

Cities such as Split in Croatia, Malaga in Spain, Venice in Italy and Lisbon in Portugal, are great places to walk around. If you don't want to walk, check out local hop on and hop off bus services. I used one in Rome, and it was fantastically cheap. If I had gone on the ship's tour around Rome, I would have paid a lot more. Now I saved $80 and could afford to splash out on ice cream by the Trevi fountain.

Finally, don't forget to download some fun apps to play with while you are on the cruise ship. Spas on cruise ships are normally expensive, and you can only make so many paper flowers. Also, your feet may be tired after a long day exploring, so you don't fancy the gym. But on a day at sea, make the most out of all the free activities.

Can you make money from cruising? You certainly can make money from cruising, and you going on a cruise vacation, and even make some investments which will pay out, but that is a different story... By the way, don't forget to check out prepaid debit cards before you go.



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How to Get the Best Exchange rates: Top 3 ways to Save on Travel Money and Foreign Exchange Rates
25 July 2017

With the great British summer escape on the way, many families will worry about the cost of their holiday. Getting hold of holiday money seems to be getting more expensive every year, and the honest truth is that families do struggle to afford a holiday. Living costs in the UK keep on rising, and today, most families are concerned about keeping up with general living expenses let alone Sterling exchange rates.

In fact, the Pound Sterling exchange rate to the Euro, has never been this low. Today, you have to look around a bit harder to find the best deal for your holiday spending money. Some still arrive at the airport expecting to get a good deal, but the truth is that you never do. If you wait and change your money at the airport, you are likely to get a bad deal on currency exchange rates. When you want to get the best deal on your holiday money, it pays to do some forward planning. Shopping around to save money on your foreign vacation spending, is just as important and should be part of planning for your holiday.

Save Money with Online Currency Brokers

If you want to get a better deal on holiday money currency exchange rates, you will save money by ordering foreign currency with your local bank, or use many of the online facilities where you can in fact have holiday spending money directly to your door. Buying your holiday spending money online currency brokers such as Hifx and Asda money, is perhaps he best way of getting hold of holiday cash. Fairfx is another online currency broker that can help you. However, don't ignore the Post Office, this is still a good way to get better value for money.

Prepaid Debit Currency Cards

Prepaid debit cards, can be an excellent way to get an even better currency deal on your holiday money. New prepaid debit cards are popping up allover the place, but make sure you get the right deal for you. Most of the cards do not charge you a fee for using them abroad, but some of them may charge you for withdrawing money when you are in the UK. The most common currencies available are euros and dollars, but you can also get them in other currencies. They are an ideal way of getting a good currency exchange rate, and on top of that, prepaid debit cards, is a good way to budget. You can even upload cash through the year on your card. Learn how to take advantage of favorable exchange rate, and load your card up when they are in your favor.

Companies which offer prepaid debit cards are Caxton FX, Travelex, and Fairfx. Also check out the ICE card. Their exchange rate is sometimes a bit lower, but they don't charge you anything for withdrawing cash.

Prepaid debit cards are also safe to use. If they get stolen, all you need to do is to cancel the card, and the company will issue a new one. Travellers cheques used to be very popular, however, prepaid debit cards have now taken over.

Should You Pay in Sterling or Local Currency on Your Holiday or Vacation?

It is always best to pay in the local currency even though a lot of stores, and even restaurants abroad, now offer payment in your own currency. There are a few problems associated when it comes to paying in your own currency. Your bank may charge you fees for doing, and they can quickly add up. Secondly, most of the time you are not in control of the exchange rate. If a retailer suggest you pay in your own currency, it is better to say not, and pay in the local currency instead. Especially if you have a prepaid debit card handy, or enough cash.

Finally, watch out for cash machines abroad. The charges associated with drawing cash from your UK bank are not always clearly explained, and ti can get expensive fast. You are better off making sure you have enough cash with you, getting a prepaid debit card or ensuring you know what your bank is going to charge you. The problem is that it may not be your own bank applying hidden charges, it could be the foreign bank which cash machine you are using.

Saving costs money when it comes to your holiday cash, can be a bit of a mine field. Make sure you understand how much your holiday cash is going to cost you before you travel, and it could be a good idea to make the arrangements as soon as you book your holiday.

 



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How to Save Money in Spain: Top 5 Easy Saving Tips
15 July 2017

When you live abroad, and have to manage on a limited budget, or a retirement income, you really need to know how to make the most out of your money. Some folk living here in Spain have the most genius ways of doing so. I have just been enjoying a Chinese meal with a couple of ladies from our golf club, and they have come up with some cleaver money saving ideas which we should all take away of. They are easy to use, and you will be able to use almost wherever you live in Spain.

Saving Money with Chinese Food

Most of us long term Spanish residents know that you can save a lot of money by choosing to eat out a Chinese restaurant. They offer some fantastic menu del dia options, and the meals are relatively healthy. Honestly, you have to ask yourself what you have got to lose. The ladies who I have been speaking to never leave a Chinese restaurant without a take away. I have never thought about doing that myself, but today I did order a Chinese take away of the menu before we left. I paid 5.50 euros for a rather big serving of Chicken with Gong Bao sauce. There is certainly enough food there for two people.

Vouchers and even More Vouchers

Don't be shy about using vouchers. I used some vouchers recently in a supermarket and ended up getting enough washing powder to last me until the end of the year. I had a money off voucher for Euros 3.29, and then a further voucher off for washing powder for one euro. I could not believe it when I walked out of the supermarket with a brand name detergent, and ended up paying just 4 euros. It may not sound like a lot, but it all matters. In fact, my vouchers paid me back again. When I got to the till, I was issued with another voucher for discount on fabric softener on my next shop.

Stop Worrying About Picking Up Supermarket Special Offers Magazine

Don't assume that Lidl and Aldi have got the best special offers. My Spanish friends always go through the supermarket magazine or leaflet, and check out what offers are available. You can save a lot of money this way, and the secret is often to shop on a special day of the week, or during the month. Stock up on special offers, and make the most out of the offers. Freezer bags are not that expensive, and you can certainly save a lot of money by stocking up your freezer when things are on offer.

Saving Money at the Spa

Some of the top hotels have spas attached to them. The owners of the spa know that summer is going to be the busiest time for them, so they often put together special offers. You may not be staying at the hotel, but that does not mean that you cannot visit the spa. If you are lucky, the spas will post their special offers online. However, if they don't post their special offers online, pop into the local tourist office, you may find that they have lots of special offers around. I have just picked up a special spa offer, and it is two for one at a local 5 star spa. Nothing like a little treat.

Is Foraging Okay in Spain?

If you have ever taken a walk in the Spanish countryside during July and August, you will have noticed that nature can help you to save money as well. I am not sure what you are paying for goodies like blackberries in the supermarket, but the likelihood is that you are paying a lot. Blackberries are during July and August, and each evening when I take my dogs for a walk, I pick about 250 grams. The same would cost me at least about 3 euros in the supermarket. If you enjoy a fruity breakfast, you can save yourself at least 15 euros a week, by picking blackberries this time of the year.

 

More than anything, share your saving tips with others. So many of us know how to save money, and we do save money, but may not talk about it. We worry that we may sound poor, or a bit tight. That is something that you should not even consider. It is only by talking to others, you really learn how to save money.

 

 



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How to Save Money Shopping Online in Spain: Top Tips for Saving Money Shopping Online in Spain
30 June 2017

Can you save money shopping online in Spain? You certainly can save money by shopping online in Spain. There are several online shops in Spain which are really good. Before I sign up with a web shop, I always check out a couple of things. For instance, do they accept Paypal? It does not matter what anybody says to me, Paypal is still the best way to pay for goods and services online. It is not the best way if you want to transfer money to yourself if you are concerned about foreign currency exchange rates, but it the best way to pay.

Save Money with Groupon

Looking around the internet, you will find that companies such as Groupon are available in Spain. In fact, the Spanish Groupon service is very easy to use, and the products are very good as well. Can you save money by shopping on Groupon? You certainly can, and you will find Groupon has a lot of special offers on brand names. It is certainly worthwhile signing up for Groupon in Spain. The site sends out a regular newsletter with some great saving deals.

Save Money on Medication, Vitamins and Beauty Supplies in Spain

Another good online shop in Spain is Mifarmacia. I have used the service a couple of times now, and I find it excellent. You will find that many of the top products are available at discounted prices on Mifarmacia. What I really like is that you can find products from companies such as Boots and Weleda. All of the products are delivered to your front door by MRW, and normally within 48 hours. I have saved rather a lot of money on this site, and I love the fast delivery service.

Spanish Catalogue Shops – Save Money Quickly and Easy

What about Spanish catalogue shops? The most popular ones are La Redoute and Venca. I have shopped with both and I have saved money. When you sign up with La Redoute you get a sign up bonus off your first shop. It is normally around 20 euros and you will find that they have some great deals. If you are looking to buy bedding, this is one of the best sites and you can save a lot of money. Ideal site to shop on if you have a holiday villa in Spain.

Venca is also very good. Sign up for their newsletter, and you will get a special codes which gives you a first time discount of 10 euros. The clothes are good on Venca, and you will find that you can get some good deals. Both sites offer payment by Paypal, and the delivery is quick as well. I have never had cause to return anything, and quality seems good on both sites.

I have become rather keen on shopping online in Spain. You will find that some other well known brands such as Benetton and Springfield also offer online shopping. If you look around, you may even find that some items are cheaper than in the shops. I bought a dress online with Springfield. Instead of paying 30 euros for my dress, I paid only 20 euros. Shopping online is all about saving money at the end of the day, and we all like saving money.

 



Like 0        Published at 16:41   Comments (0)


How to Save Money Shopping Online in Spain: Top Tips for Saving Money Shopping Online in Spain
30 June 2017

Can you save money shopping online in Spain? You certainly can save money by shopping online in Spain. There are several online shops in Spain which are really good. Before I sign up with a web shop, I always check out a couple of things. For instance, do they accept Paypal? It does not matter what anybody says to me, Paypal is still the best way to pay for goods and services online. It is not the best way if you want to transfer money to yourself if you are concerned about foreign currency exchange rates, but it the best way to pay.

Save Money with Groupon

Looking around the internet, you will find that companies such as Groupon are available in Spain. In fact, the Spanish Groupon service is very easy to use, and the products are very good as well. Can you save money by shopping on Groupon? You certainly can, and you will find Groupon has a lot of special offers on brand names. It is certainly worthwhile signing up for Groupon in Spain. The site sends out a regular newsletter with some great saving deals.

Save Money on Medication, Vitamins and Beauty Supplies in Spain

Another good online shop in Spain is Mifarmacia. I have used the service a couple of times now, and I find it excellent. You will find that many of the top products are available at discounted prices on Mifarmacia. What I really like is that you can find products from companies such as Boots and Weleda. All of the products are delivered to your front door by MRW, and normally within 48 hours. I have saved rather a lot of money on this site, and I love the fast delivery service.

Spanish Catalogue Shops – Save Money Quickly and Easy

What about Spanish catalogue shops? The most popular ones are La Redoute and Venca. I have shopped with both and I have saved money. When you sign up with La Redoute you get a sign up bonus off your first shop. It is normally around 20 euros and you will find that they have some great deals. If you are looking to buy bedding, this is one of the best sites and you can save a lot of money. Ideal site to shop on if you have a holiday villa in Spain.

Venca is also very good. Sign up for their newsletter, and you will get a special codes which gives you a first time discount of 10 euros. The clothes are good on Venca, and you will find that you can get some good deals. Both sites offer payment by Paypal, and the delivery is quick as well. I have never had cause to return anything, and quality seems good on both sites.

I have become rather keen on shopping online in Spain. You will find that some other well known brands such as Benetton and Springfield also offer online shopping. If you look around, you may even find that some items are cheaper than in the shops. I bought a dress online with Springfield. Instead of paying 30 euros for my dress, I paid only 20 euros. Shopping online is all about saving money at the end of the day, and we all like saving money.

 



Like 0        Published at 16:41   Comments (0)


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