Money Saving Tips

Money Saving  Tips 

written and collected by Mohamed Hassan 

Disclaimer
You have to check the up-to-date information about the topic 
also, review the local legal regulations 




Hello, fellow junior doctors! I know how hard it can be to make ends meet on a tight budget, especially in these challenging times. That's why I decided to write this blog post on how to save money as a junior doctor in the UK and provide some useful links for you to check out.

First of all, let me tell you that you are not alone. According to a recent survey by the British Medical Association, 44% of junior doctors said they were worried about their finances, and 31% said they had increased their debt or overdraft in the past year. That's a lot of stress and anxiety that can affect your mental health and well-being.

So, what can you do to save money and reduce your expenses? Here are some tips that I have found helpful in my own experience:

- Plan your meals and cook at home. Eating out or ordering takeaways can be tempting, but they can also be very expensive and unhealthy. Cooking at home can save you a lot of money and help you eat more nutritious food. You can also batch cook and freeze some meals for later, or share them with your flatmates or colleagues.


 Here are some websites that offer cheap and easy recipes for busy doctors:

 [Budget Bytes](https://www.budgetbytes.com/), 

[BBC Good Food](https://www.bbcgoodfood.com/recipes/collection/budget), 

[Cooking on a Bootstrap](https://cookingonabootstrap.com/).


- Use public transport or cycle to work. Driving a car can be convenient, but it can also cost you a lot of money in fuel, parking, insurance, and maintenance. Plus, it's not very eco-friendly. If you can, try to use public transport or cycle to work instead. 

You can save money and get some exercise at the same time. 

You can also apply for a [16-25 Railcard]
(https://www.16-25railcard.co.uk/) or 

a [26-30 Railcard](https://www.26-30railcard.co.uk/) to get discounts on train fares, or join a [cycle to work scheme](https://www.cyclescheme.co.uk/) to get a tax-free bike.


- Track your spending and budget wisely. One of the best ways to save money is to know where your money is going and how much you can afford to spend.

 You can use apps like [Monzo]

https://join.monzo.com/c/6smsmwh (referral link for 5 £)

or Starling account (use the referral links)

Hey! Fancy a day trip? If you open a Starling account using this referral link, we both get a free individual day pass to one of the hundreds of places the National Trust looks after. https://www.starlingbank.com/referral/?code=Ga3xx4

or 
Wise account 
get 75 £ cash for opening wise account https://wise.com/invite/ath/mohamede4406

Or 

Join me and over 28 million users who love Revolut. Sign up with my link below: https://revolut.com/referral/?referral-code=mohame549c!JUL1-23-AR

50£ referral from Revolut




[Yolt](https://www.yolt.com/), 

or [Money Dashboard](https://www.moneydashboard.com/) to track your income and expenses, set spending limits, and create savings goals. 

You can also use online tools like [Money Saving Expert](https://www.moneysavingexpert.com/) 

or [The Money Advice Service](https://www.moneyadviceservice.org.uk/en) to get free advice on how to manage your money better.


- Look for discounts and deals. There are many ways to save money on things like shopping, entertainment, travel, and more. 

You can use websites like [HotUKDeals](https://www.hotukdeals.com/), 

[Groupon](https://www.groupon.co.uk/), 

or [Wowcher](https://www.wowcher.co.uk/) to find great deals on various products and services.

 You can also use apps like [UNiDAYS](https://www.myunidays.com/GB/en-GB), [Student Beans](https://www.studentbeans.com/uk), 

or [TOTUM](https://www.totum.com/) to get discounts on many brands and retailers if you are still a student or have a valid student ID. 



And don't forget to check out the [NHS Discounts](https://healthservicediscounts.com/nhs-discount-list) website for exclusive offers for NHS staff and blue light card 

top cashback websites 



Use third-party broadband or phone that provides better offers 
for example, smarty offers 60 G for 10 £ 

Use my link to sign up with SMARTY and we both get a choice of a £10 Gift Card. https://i.smarty.co.uk/gWeBu3x


I hope you found these tips useful and that they will help you save money as a junior doctor in the UK. Remember, you are doing an amazing job and you deserve to treat yourself once in a while. Just make sure you do it in a smart and sustainable way. If you have any other tips or suggestions, please share them in the comments below. And don't forget to subscribe to my blog for more posts like this. Thanks for reading!

to be continued in more posts
Good luck
thank you

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