Shedding the pounds with SMARTY: Top tips to save money

January is the time for fresh starts – and for many of us, that means tackling the "financial hangover" from the festive season. With 55% of Brits planning to cut expenses this month, it’s clear that getting financially fit is a top priority for 2025.

That's why, in partnership with savvy saver and TV personality Angellica Bell, we're here to help you flex your financial muscles. From clever money-saving hacks to great value mobile deals – like 50GB for £8 – we’ve got you covered in making those pounds stretch further.

Top financial goals for 2025

According to a study of 2,000 adults, here’s how people are planning to improve their finances this year:

• 35% aim to reduce monthly expenses: From cutting down subscriptions to finding better deals, small changes add up.

• 34% are building emergency savings funds: Putting aside money for unexpected costs is a priority for many.

• 28% are saving for major purchases: Whether it’s a new car, home improvement, or a much-needed holiday, planning ahead helps.

With 43% expecting household bills to rise and 8% anticipating higher phone costs in January, it’s no wonder so many are exploring creative ways to save.

8 creative ways to save money

1. Unsubscribathon challenge (20%)

Review your subscriptions and cancel anything you no longer use. That forgotten gym membership or underused streaming service could be costing you hundreds of pounds a year.

💡 Tip: Tools like Emma can help you identify and manage recurring payments.

2. Batch cooking (28%)

Save money and time by cooking meals in bulk and freezing portions. It’s perfect for reducing food waste and keeping your budget intact.

💡 Recipe Inspiration: Explore BBC Good Food’s batch-cooking recipes to get started.

3. No-spend weekends (14%)

Challenge yourself to avoid spending on weekends. Instead, enjoy free activities like nature walks, DIY projects, or family board games.

💡 Find Free Days Out: Heritage Open Days is a great resource for free activities across the UK.

4. Cash-only diet (32%)

Switch to cash-only spending for a week or two. Withdrawing a set amount helps you stay within your budget and reduces impulsive purchases.

5. Cashback apps (26%)

Make your spending work harder with cashback apps, which refund a portion of your purchases.

💡 Top Picks: Try TopCashback or Quidco to earn rewards on everyday shopping.

6. £5 challenge (8%)

Save every £5 note you receive in a jar or envelope. It’s a fun and effective way to build a small savings fund over time.

7. Sell unused items (35%)

Start the year with a declutter and turn unwanted items into cash. Platforms like eBay, Vinted, or Facebook Marketplace make it easy to turn unused items into extra cash.

8. Switch to SMARTY mobile

Save on your mobile plans with SMARTY’s 50GB for £8 offer. There are no contracts or annual price rises, and you can pause, cancel, or change your plan anytime – perfect for savvy savers.

Start your financial fitness journey

Saving money in January doesn’t have to mean cutting back on life’s essentials. Small changes, like switching to SMARTY Mobile, can make a big difference. Check out SMARTY’s SIM only deals to find out more about our flexible monthly plans and great value offers.

Let’s make 2025 the year we get financially fit and savvy!