14 Simple Ways to Save £100 a Month

In today’s world, it can feel like money disappears faster than it arrives. But the good news is, there are plenty of simple, realistic ways to trim your spending without feeling like you’re missing out. A few small changes to your daily habits can easily free up an extra £100 every single month. Here’s how:

1. Unsubscribe from Unused Subscriptions

Take five minutes to check your bank statements or PayPal history. Are you still paying for that app you haven’t opened in months? Or a magazine subscription you’ve forgotten about? Cancel the things you don’t use, and you could instantly save £10–£30 a month.

2. Stream Smarter

Do you really need Netflix, Disney+, Prime and NOW TV at the same time? Instead, keep one streaming service at a time and rotate every three months. This way, you’ll always have new shows to watch without the £30–£40 monthly bill.

3. Pack Your Own Lunch

Buying lunch at work costs £5–£7 a day. That’s over £100 a month. Bringing your own sandwiches, salads, or leftovers from last night’s dinner brings the cost down to less than £2 a meal — saving £60+ every month.

4. Ditch the Daily Coffee Shop Habit

If you grab a coffee on the go every day, that’s another £60–£80 a month gone. Instead, make your own at home or at work. Invest in a reusable cup and a cafetière or AeroPress — you’ll save money and still get great coffee.

5. Switch Your Energy or Broadband Provider

It pays to shop around. Use sites like MoneySavingExpert (UK) or Switcher.ie (Ireland) to compare providers. Switching could cut £10–£20 off your monthly bills without any effort.

6. Review Your Mobile Plan

Still paying for a handset you’ve already paid off? Many people stay on expensive £40–£60 contracts when they could move to a SIM-only deal for £10–£15. That’s a potential saving of £25–£45 each month.

7. Buy Own-Brand Groceries

Swap a few branded products for supermarket own-brand alternatives. In Tesco, Lidl, or Aldi, this can shave £10–£20 off your weekly shop — that’s up to £80 saved over the course of a month.

8. Shop Yellow-Sticker Bargains

Supermarkets in the UK and Ireland discount food nearing its best-before date in the evenings. Pick up reduced meats, bread, or ready meals, and freeze what you can. Done regularly, this can save you £20+ a month.

9. Walk, Cycle, or Car-Share

Cutting just one or two car journeys a week reduces fuel costs — and skipping one taxi ride could save you £20. Apps like BlaBlaCar (Ireland/UK) make sharing journeys even easier.

10. Limit Takeaways

Even one less takeaway a week can save £30–£50 a month. Batch-cooking at the weekend means you’ve always got something ready in the freezer for nights you don’t feel like cooking.

11. Sell Unused Items

Clear out your wardrobe or cupboards and list items on Vinted, Facebook Market Place, or Adverts.ie. Even selling a couple of items a month can add £20–£50 back into your pocket.

12. Use Loyalty Schemes

Tesco Clubcard, Lidl Plus, and Boots Advantage all offer real discounts and points that add up. Stick to your usual shopping and make sure you scan your loyalty cards every time.

13. Cancel Unused Gym Memberships

If you’re paying £30–£60 a month for a gym you rarely visit, it’s time to cancel. Try home workouts with YouTube or free outdoor runs. If you like the gym environment, look into cheaper community or pay-as-you-go options.

14. Check for Local Discounts

In the UK, councils sometimes offer reduced leisure centre memberships. In Ireland, credit unions often run discount schemes for members on insurance, shopping, or travel. A quick check could uncover hidden savings.

You don’t have to make all these changes at once. Even picking 3 or 4 of these tips can save you more than £100 every single month — without making life feel restrictive. Think of it as a pay rise without having to ask your boss. A few small tweaks to your daily habits really do add up to big savings.