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9 tips to save money in 2021

Want to find new ways to save money in 2021 and get your finances in check? This helpful guide has you covered, and it even comes with a few little helps that regular Tesco shoppers can try next time they’re in store.

    Published: 23 Jan 2019

    Are you ready to get your finances fit in 2021?

    Financial health isn’t just about having lots of money: It’s about budgeting for what you love while avoiding stress, saving money in a way that works for you, and knowing how to spot a deal.

    That’s why our guide has nine helpful tips to help get you on the path to better financial health in 2021 – so you can spend more time on your nutritional health, and reduce the amount of stress in your life. It all starts with these simple steps:

      1. Meal planning for the win!

      Also known as ‘meal prep,’ meal planning is a popular way of eating healthier on a modest budget. It’s about preparing all your lunches and dinners for the whole week, instead of buying and making food day-to-day.

      Ask yourself what’s cheaper: buying a microwaved dinner for each night of the week, or making and freezing a healthy pot of food to enjoy throughout the week. You might be pleasantly surprised!

      Bonus tip: Make something plain like chicken and rice, then add different toppings or sauces each day to keep things interesting, healthy and fun.

          Mother and daughter cooking together

          2. Turn loose change into savings

          If you’ve been saving up loose change for a rainy day or big expense, don’t forget that Tesco self-service checkouts will happily accept any spare coins you have – a neat way to shave pennies off your shop!

          Bonus tip: Some Tesco stores have change machines that accept your loose coins in exchange for vouchers you can spend in store. Ideal for those full piggy banks!

            3. Downgrading is saving

            When it comes to phone contracts, bigger often feels better. But can we honestly say that we’re using all the hundreds of minutes and gigabytes of data we’re paying for each month?

            To help get your finances on track, you could review how much you actually use your phone each month. A cheaper tariff might be better suited to your lifestyle and save you a great deal each on each bill.

            Bonus tip: Tesco Mobile offers a wide range of tariffs, handsets and pay as you go options for any budget.

              4. Take control of your direct debits

              You wouldn’t be the first person to have old direct debits on their account that aren’t needed – like protection plans for electronics, old memberships or unused streaming services.

              The Tesco Bank online banking feature can show you when your direct debits are coming out, and how much they cost. To manage your cash a little better, you could add them all up and decide if they’re all essential.

              Bonus tip: Do any of your memberships offer a ‘month off’ option if you’re broke but don’t want to completely cancel your direct debit?

                5. Make the most of vouchers

                Vouchers aren’t an excuse to spend more (especially if you can’t really afford the deal) but they are a way of saving money on the everyday things you need and love.

                Have a think about how your Tesco Clubcard vouchers could help you save on essentials – and remember to use any Clubcard vouchers before they expire!

                You can also use the Tesco Clubcard app to collect points if you forget your card, use your Clubcard vouchers, and get useful store information – all from your phone.

                Bonus tip: Could your Clubcard vouchers help you save more on your weekly meal prep plan?

                  6. Maximise your Tesco Clubcard Points

                  There’s lots of ways to collect Clubcard points, and they’ll help you save money on shopping all year round.

                  Why not check out our Clubcard rewards calculator to see how you could be rewarded?

                    7. Compare prices and save money

                    Finding great deals almost feels like a skill, but anyone can do it with a simple change to how you spend money. Next time you’re in a Tesco store, why not compare your usual brand to a cheaper alternative?

                    If you’re worried about the cheaper option tasting different, you can check online reviews on your phone while in store. You never know, you could find yourself saving money and enjoying an even tastier brand for less.

                    Bonus tip: Keep an eye out for yellow prices in Tesco Stores for deals, and check back on different days for new offers.

                      8. Online banking

                      Sometimes it might feel like money is spinning out of your control and leading to stress.

                      Tesco Bank’s online banking features can break down what money is coming in and out of your account every day, and you can also track regular payments like bills, direct debits and standing orders.

                      It’ll help you see where you can spend less and save more, which is a great starting place to drawing up your own budget plan. The more realistic it is, the easier it’ll be to stick to.

                        9. Debt consolidation could help

                        If you have lots of debt, repayment plans or outstanding credit cards, it can be easy to feel overwhelmed – especially when you’ve got interest charges and fees coming from multiple places.


                          Getting on top of your finances and saving money isn’t just about being good with cash, it’s also about staying positive and finding a method that works for you. Best of luck with getting your finances fit in 2021!

                            Important information

                            The content on this page aims to offer an informative introduction to the subject matter but does not constitute expert financial advice specific to your own situation. All facts and figures were correct at time of publication and were compiled using a range of sources.

                              Want to save more money each month?

                              Check out our helpful guide on how to boost your budget

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