Top tips to make you richer

Rosie Vare
Top tips for getting rich
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.