Dr Nikki Ramskill is the only doctor in the top 10 personal finance blogs in the UK with The Female Money Coach. She has 13 years of experience in the NHS as a women’s health specialist and has seen the impact of poor money management on the mental health of her patients. She is a trained money coach and award-winning personal finance blogger and shares her tips on her Instagram @femalemoneydoc.
Dr Nikki told Express.co.uk how she has saved £1000 from her own family budget by switching up her subscriptions ahead of the cost of living crisis.
Dr Nikki said: “Ditching subscriptions we don’t use has by far been the biggest winner.”
She listed some of her biggest subscriptions savings, including switching from Sky to BT.
Nikki said: “I switched us from Sky to BT (we weren’t watching it anyway), cancelled my audible subscription (I had enough books), switched our home contents insurance to a cheaper provider, and cancelled some other subscriptions I didn’t need anymore (like a clothing one I had subscribed to).
“All in all, I saved around £1000 a year just by making a few cuts.
“It’s amazing how much it all adds up when you’re not paying attention.”
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The expert went on: “I love cashback. I run everything I buy online through TopCashBack, and I could do more with other sites too like Honey and Quidco, but there are only so many hours in the day!
“These sites help you to collect cashback on purchases that soon adds up.
“I once purchased a Fitbit with this money, and recently had a nice deposit of cash that I spent on a birthday present for a friend.”
She also told Express readers how she saves on her heating.
Another money saving expert has advised how to save £80 on your heating.
Chloe Carmichael is a money saving expert and founder of Chloe’s Deal Club.
According to the expert, just a small change can save a chunk of money.
She said: “Turning your heating down by one degree could save you around £80 a year on energy and you probably won’t notice the temperature difference.”