Top tips to make you richer

Top tips for getting rich

Some people are naturally goo at saving, while others are naturally good at spending... maybe too good!

But there are plenty of easy tricks you can employ to boost your financial status, and they won't take up too much of your time either.

See also: Four ways you can donate to charity and be better off

See also: Couples keep millions of pounds of money secrets from each other

Whether it's small monthly savings or a little haggling now and then, these are all simple changes to make to your day-to-day life.

Take a look at the tips here and let us know in the comments below what your top money saving tip is.

1. Having a goal

Whether it's a happy retirement, taking care of your family or just enjoying life with a holiday, it's proven that having a goal with a specific amount and date radically enhances your probability of success. Creating goals costs little in terms of time, nothing when it comes to money, and can really work.

2. Tracking your expenses

This may sound like a pretty obvious piece of advice, but keeping a note of what your spending and where you're spending it gives you a better idea of what's happening to your money. If you're not the organised type, why not enlist the help of an app to keep you up to date with your outgoings. It allows you to properly and accurately allocate your money to make sure you hit your goals.

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3. Negotiate more

Obviously there are some situations where this doesn't apply, but there are also plenty where it does. Whether it's talking to your boss about boosting your salary or bargaining with your wifi provider for a better deal - there's no harm in asking and it costs you nothing.

4. Destroy your debt

Don't leave your overdraft lingering or avoid paying off your credit card bills. These are all things that won't help you out when it comes to improving your financial situation. Hit debt on the head as soon as you can and not only will you be better off financially, but it's bound to lift a weight off your mind too.

5. Pay yourself

Does this sound strange to you? Well, it shouldn't. When it comes to paying bills each month, make sure you don't forget to pay yourself too. Set a target of how much you want to save over the course of the year, split it into 12, and set that amount aside at the beginning of each month. This way when you've paid your bills the rest of your money is left to spend on what you want and you can be safe in the knowledge that you've already done your saving for the month.

Vintage money-saving tips
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Vintage money-saving tips
Back then there was no choice, because the mass-produced microwaveable meal was just a glint in a marketing guru's eye, but now, cooking from scratch can save substantial sums.
The older generation learned that there were meat-free days of the week to save money, and that if you had meat you''d stretch mince with breadcrumbs, or buy cheaper joints and use every scrap.
Perfect fruit and vegetables and top-of-the-range brands are a new phenomenon. Buy generic non-branded food and fruit and vegetables in whatever size and shape is most affordable

Nowadays we rush around the supermarket grabbing things we like the look of - with little idea of what we're going to do with it. Making a list and thinking about what you buy can save you thousands of pounds over the course of a year.

There's no such thing as 'left-overs' there's just the ingredients for tomorrow's dinner. The remains of the meat can be stir-fried the next day, the vegetables blended into  soup, and the potatoes saved for bubble and squeak.

Try an experiment and eliminate everything from your life with the word disposable in the title. Not only will you save money, but your bin will take far longer to fill too.

Before you bin anything, think twice about whether you can give it a second life. Think carefully, does your granny have her tried and tested tips that she has a habit of mentioning, for instance, washing out freezer bags? If you mock, you're missing a trick and wasting money and resources.
Cutting out draughts and insulating your home properly can cut 10% off your heating bill.
Back in the 1940s when no-one had central heating, people got used to wearing another layer at home. Try lowering your thermostat gradually, and only stop when those around you start to notice - you'll be surprised how much you can save.
If you save your washing and dish washing until you have a full load every time you'll save energy and save money.
Over the generations we have been sucked into believing the hype. In the days when adverts were few-and-far between, we managed without many of the things we consider essential nowadays. Re-consider what you buy, and why. Without advertising, would you buy any of it?
It's always cheaper to save in advance and plan a purchase than to rush in and borrow - which could end up costing you hundreds of pounds more in interest.
Older generations typically withdraw what they can afford to spend in cash and then leave their debit card at home or deep in their wallets. This has the advantage that they don't tend to reach for a debit or credit card and spend more than they can afford.
Because the older generations couldn't borrow their way out of trouble, they tended to plan more. Give your family a financial safety and a nest egg for the future.
Back when there were only a finite number of items of clothing to go around in a neighbourhood, people borrowed from each other for special occasions. Nowadays swapping and sharing can save substantial sums
Back in the 1940s when no-one had central heating, people got used to wearing another layer at home. Try lowering your thermostat gradually, and only stop when those around you start to notice - you'll be surprised how much you can save.
There was a time not so long ago when no-one could actually remember anyone who had actually bought a bike. They were passed through the siblings, then across family and friends networks, so that decades later, children were still learning to ride a bike for free. Of course it helps if you buy something gender-neutral, then you can hand it down, and reap the benefits as others hand expensive toys on to you.
In previous generations, neighbours would think nothing of asking each other to babysit, walk their dog, or to borrow a ladder. Nowadays we pay handsomely for babysitters and dog walkers, and each have an expensive ladder gathering dust in the shed.
The army of people who come to our homes to do odd jobs is a new phenomenon for all but the very wealthy. You may well have the skills required to complete these jobs, so get stuck in.

Ditch going out for dinner or browsing round the shops for taking a walk, visiting the beach with a picnic, or holding a family DVD night.

Nowadays we're constantly striving for a bigger TV, a flashier car and a better kitchen. Generations ago people never considered that they would ever be able to afford bigger, flashier and better, so they got on with the business of enjoying what they had.
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