Living costs in the UK keep rising, but saving money doesn’t always mean giving up the things you enjoy. With a few smart changes, you can reduce your monthly expenses while still living comfortably.
Here are 10 simple, realistic ways to save money in the UK in 2026, especially if you’re feeling the pressure of bills, rent, and everyday spending.
1. Review Your Energy Tariff Regularly
Energy prices change often, and many households overpay by staying on default tariffs. Check comparison websites at least once a year and see if switching could lower your bills. Even small savings add up over time.
2. Cancel Subscriptions You Don’t Use
Streaming services, apps, gym memberships — they quietly drain money every month. Go through your bank statements and cancel anything you haven’t used in the last 30 days. You might be surprised how much you save.
3. Shop Supermarket Own Brands
UK supermarkets’ own-brand products are often just as good as big-name brands but much cheaper. Switching even half your regular items to own brands can save you hundreds of pounds a year.
4. Use Cashback and Rewards Apps
If you’re shopping anyway, you might as well earn money back. Many UK cashback apps and reward schemes give you a small percentage back on everyday spending like groceries, fuel, and online shopping.
5. Plan Meals Before Shopping
Impulse food shopping leads to waste and overspending.
Planning your meals for the week:
- Reduces food waste
- Helps you stick to a budget
- Saves time
A simple meal plan can easily cut your grocery bill.
6. Review Your Mobile and Broadband Deals
Loyalty rarely pays when it comes to phone and broadband contracts. Check if your contract has ended and negotiate or switch providers. Many people save £10–£20 per month just by reviewing these bills.
7. Buy Second-Hand Where It Makes Sense
For items like furniture, electronics, and clothes, second-hand can be a smart option. UK marketplaces and charity shops often offer excellent quality items at a fraction of the price.
8. Automate Your Savings
Saving is easier when it’s automatic. Set up a small standing order to a savings account right after payday. Even £25–£50 per month builds a habit and a safety net.
9. Avoid “Buy Now, Pay Later” Traps
Buy-now-pay-later services make spending feel painless, but they can lead to overspending. If you can’t afford something today, it’s usually better to wait and save for it instead.
10. Track Your Spending for One Month
You can’t fix what you don’t measure. Track your spending for just one month to see exactly where your money goes. Most people find at least one area where they can cut back without feeling it.
Final Thoughts
Saving money in the UK doesn’t require extreme budgeting or giving up your lifestyle. Small, consistent changes make the biggest difference over time.
Start with one or two tips from this list and build from there. Your future self will thank you.