These days, everyone, no matter who they are or indeed their financial situation, is looking to save money and build their savings to a point where, if an emergency should occur, they have the funds to cover themselves and their loved ones. 

With this in mind, you should continue reading to learn of the most effective methods of saving money in the new year. 

Do Your Grocery Shop Online

The first simple tip to save money this year is, instead of going to one or more stores to try to get the best deals on your weekly grocery shop, choose one reasonably priced online grocery store in your local area and switch to ordering and having your online shopping delivered.

It is a proven fact that you are more likely to go for impulse buys, which inevitably amount to a lot of extra money at the checkout when you are physically in the store. Moreover, online grocery shopping will save you a considerable amount of time and will enable you to make more considered and healthier choices. 

Have All Your Bills Leave Your Account on the Same Day

Another quick yet effective change this year would be to rearrange when your various direct debit amounts leave your bank account and have them all moved to the same day.

If you are paid regularly and on time each month and are paid virtually the same amount of money each time, then the best day to do this would be the day after you are paid. This way, whatever money you are left with you know you can spend, and you can transfer a little over to your savings every month moving forward. 

Install a Smart Thermostat

Presumably, you will have already heard of the concept of a smart thermostat, but just in case you have not, a smart thermostat is essentially a piece of technology which allows you to control the temperature of your home from your tablet or smartphone.

The money you will save by the installation of a smart home thermostat is genuinely astounding, as you can control when the heating is switched on and off yourself. On days when no one is in the house until later in the evening, you will no longer have to spend money heating an empty house. 

Download Secondhand Clothing Apps

Finally, if you are serious about building your depleted savings pot back up to a healthy amount again, or indeed you want to save for a holiday of a lifetime or something altogether more practical, you should start shopping and selling, secondhand

Applications such as eBay, Gumtree, and Facebook Marketplace are the ideal places to pick up secondhand, or in lots of cases, brand new clothing, accessories, home décor, and even toys and games at a fraction of the recommended retail price. Furthermore, you can start making an impressive amount of money on the side by selling virtually anything in and around your home that you no longer want or need.