At Money Dashboard, our mission is to empower people to make better financial decisions, so they can be good with money. That's why we've trawled the internet for the wisest bloggers out there, and have brought them together as our very own Money Maestros. So if you want to turn over a new leaf in 2015, then read on.
We've curated their smartest pieces of advice, added a few thoughts of our own and turned them into a series of straight-talking money-saving tips, with a new one revealed every week until the end of February. And if you want them straight in your inbox, just sign up for our newsletter.
As well as adopting the advice in these tips, you can be good with money by downloading our free personal finance software, and see exactly where you're overspending.
Getting rid of furniture, appliances or other bulky belongings doesn’t have to be expensive. If it's your car that's got to go, try Givecar; it collects and recycles vehicles for free, donating the proceeds from the scrap to charities. Our Money Maestro Miss Thrifty recommends Shiply if you're sending the item on to a new home; it connects you with transport companies offering discounted rates on routes they're already using. This one isn't free, but you could still save up to 75%.
Earn money every time you spend on groceries, electricals or new clothes by joining cashback sites like Quidco. Money Maestro Lisa of Empty Pocket Guide has already made £500 by shopping through them, proving their money-making potential. You could also sign up to a mystery shopper service, and get paid for your feedback on your experiences. If you prefer to stick to traditional discounts, join members only sites for huge flash sales – just be wary of making impulse purchases.
Before heading to your holiday hotspot, compare currency rates to make sure you're getting the most from your money. Our Money Maestro Mummy Money Matters keeps an eye on the best ones, giving you a point of reference when you're exchanging currency. If you're having your money delivered, remember to factor that cost into your final decision, as it could eat into any potential savings.
Declutter and boost your bank balance this winter by selling unwanted items online. Old gadgets and clothes you never wear can easily be converted into cash using sites like eBay. You can often make more by selling privately than using trade-in sites – just be sure to keep track of your postage and packaging costs. As Money Maestro Skint in the City says, the first sell is the hardest, but once you’ve got going you’ll soon feel the benefits.
In 2011, we wasted £37m on gym memberships we never used. But exercising needn't cost an arm and a leg; there are plenty of ways you can get fit for free. Money Maestro The Empty Pocket Guide has found a whole bunch of free running clubs, classes, and trial sessions. These give you the opportunity to try out different types of workout before committing, so you won't put money into something you don't enjoy.
If you eat out regularly, you can save in the long-term by investing up front in a restaurant discount card. If you're a film buff, follow Money Maestro The Empty Pocket Guide's lead and plan outings around the best cinema deals in your local area. Memberships can be better value than one-off tickets, but make sure you'll go through enough to justify it. It's easy with our budgeting tool, which automatically tags leisure spending.
Food shops use loads of tactics to get us to spend more, but you can always use some tricks of your own. For example, as Money Maestro The Student Blogger says, night time supermarket shoppers can get more bang for their buck by picking up reductions. Fellow Money Maestro Miss Thrifty recommends trying out own brand foods to find ones you could substitute for pricier branded products. Our budgeting tool automatically tags supermarket spends, so you can see exactly how much these new habits are saving you.
When it comes to budgeting your commute, getting the train doesn't have to be a financial drain. You can collect loyalty points - which often aren't well-advertised, as Money Maestro Iona's Young Money Blog points out - and make serious savings. If you commute by car, take note of fellow Money Maestro The Diary of Frugal Family's fuel-efficient driving tips, which include dropping your speed on motorways by 10mph (you'll use around 10% less fuel).
Padding out your food shop with homegrown veg and herbs like Money Maestro The Student Blogger, could save you around £200 over the course of a year. You can also make your food go further by getting creative with leftovers, like fellow Money Maestro The Diary of Frugal Family. We waste £12bn a year by throwing out food, so there are serious savings to be had.
According to Money Maestro Iona's Young Money Blog, 60% of Apple and HTC handset owners go over their contracts, and smartphone users in general are most likely to overspend. But it's easy to save money by keeping tabs on your minutes, using WiFi where possible and checking data usage with an app like 3G Watchdog. Mobile networks often try to sell you more data if you're going over your allowance, but these simple changes might mean you won't need to buy any extra.
Saving on energy bills isn't just a case of finding the cheapest provider; it's a case of changing household habits. Money Maestro Miss Thrifty has plenty of clever, practical tips like sticking tin foil behind radiators to reflect heat back into the room, while Iona's Young Money Blog suggests turning your washing machine down from 40°C to 30°C. This one small change could reduce the amount of energy you use to do laundry by 40%.
Treat yourself to a new purchase without blowing your budget by visiting out-of-town discount stores. Money Maestro Savvy Annie recommends factory outlets selling big names like Cath Kidston as a great way to pick up reduced price products, all year round. Rather than just go for a browse, head to these stores with specific purchases in mind to avoid impulse buys. If you don't fancy the drive, look out for online-specific discount stores like Yoox.
Avoid the panic of unpaid bills by putting your purchases for the month in priority order. Money Maestro Iona's Young Money Blog suggests paying expenses like rent as soon as possible, so you can see how much disposable income you've got left. If you pay your bills via direct debit part way through the month, you could set the money aside in an easy access savings account. You can also use our free budgeting tool to see how much you'll have after making those payments.
Tech-enthusiasts don't have to spend big bucks to get the latest gadgets. Groupon regularly offers savings on electronics, and there's always the likes of Gumtree if you don't mind buying second-hand. Do your homework when shopping on online marketplaces though, as it could cost extra in the long-term if your new phone comes without a warranty. You could also look beyond the standard brands, like Money Maestro Savvy Annie who hunts down great, affordable alternatives to the priciest ones.
Whether it's your student loan or your mortgage, it's always good practice to pay off more than the minimum whenever possible. As Money Maestro The Diary of Frugal Family points out, contributing just £50 extra a month could mean hanging on to thousands of pounds, while significantly reducing your payment term. You can use our free budgeting tool to figure out how much more you can afford to pay back, and see how much it'll save you in the long-term.