AT the age of 42, Gemma Bird became mortgage-free after successfully paying off £225k, and now she’s on a mission to help YOU save money this summer.
The mum-of-two managed to climb out of debt using clever money-saving strategies, despite never earning more than £25k per year.
Gemma launched her Instagram page in 2019[/caption]
Thanks to her savvy scrimping, she’s now able to enjoy holidays to destinations like Mexico, Lapland, and Dubai.
In 2019, Gemma launched her Instagram page, @Moneymumofficial, to share her tips on saving and making money, which quickly gained traction.
Now 43, Gemma has amassed an impressive following of 474k on Instagram, where her followers regularly tune in for her expert advice.
Reflecting on her journey, she says: “I was just a working-class girl who loved a bargain. I’m able to afford everything I have today because of the way I saved and my obsession with deals. It doesn’t matter how much money you have, everyone loves a bargain.”
I was just a working-class girl who loved a bargain
In 2020, Gemma introduced her popular “Gemma’s No Spend Days” on social media, which became a huge hit.
Building on this success, she landed a book deal, and her Sunday Times bestseller, Money Mum Official: Save Yourself Happy, was published in January 2022.
Now living near Billericay, Essex with her husband Adam and their two children, Brody and Bronte, Gemma shares her top tips for having a fun summer – without having to break the bank.
No spend days
Rev up your savings with no-spend days. Pausing your spending just one day a week can truly make a significant impact on your finances.
I’ve made no-spend days a habit for years – during my toughest saving periods, I’d go three or four days a week without spending a penny. Not only does it save money, but it also highlights how much we often waste on non-essentials.
Summer holidays with the kids don’t have to break the bank either. Instead of splurging on pricey outings, why not host playdates at home? You can keep the little ones entertained with fun DIY activities like setting up a game of bowls in the garden or creating simple homemade crafts.
There are plenty of free attractions that make for a fantastic day out
It’s all about making small swaps: meeting friends at the park instead of a café, painting your own nails, or whipping up a creative meal with what you’ve got in the freezer. These little changes can go a long way – and trust me, it’s worth it.
There are also plenty of free attractions that make for a fantastic day out, like the Science Museum or the Natural History Museum in London.
Pack your own food to avoid unnecessary expenses, and plan your visits around free parking times to save even more.
With a little planning, you can enjoy quality family time without spending a fortune.
Checking in for your dream holiday
Dreaming of a getaway without the hefty price tag? There are plenty of creative ways to enjoy a break while keeping your spending in check.
Gemma recommends searching ‘holiday dupes’ for bargain getaways[/caption]
Why not skip the trending hotspots like Dubai or Santorini and opt for hidden gems that offer similar vibes at a fraction of the cost? Simply search for “holiday dupes” online to find destinations that deliver the experience you want without the premium price tag.
Always book hotels with free cancellation as well.
Monitor price drops and rebook if the price decreases – this simple trick can save you hundreds. I often book months in advance and keep checking for deals right up to the day before check-in. Most people don’t bother, but trust me, it’s worth it.
Make the most of air miles and credit card points as well.
Pay for expenses using a credit card that earns air miles, but be sure to pay it off in full each month.
Companion flights and air miles have saved us a fortune – we’ve flown to America for under £1,000 return for a family of four.
Using points, we even managed to fly first class one way and economy back for just £1,800 – a deal that would normally cost £24,000.
Look out for last-minute deals and make use of vouchers like Tesco Clubcard or The Sun Superdays.
These can help you bag bargain breaks without cutting corners.
Top Hacks for Holidaying with Kids
IF you’ve got plans to go on holiday with your little ones this summer, here’s some advice to take on board.
Plan Ahead:
- Book accommodations with family-friendly amenities.
- Research kid-friendly attractions and activities.
- Make travel arrangements that accommodate your children’s schedules.
Pack Smart:
- Create a packing checklist to ensure you don’t forget essentials.
- Pack a mix of familiar and new toys to keep kids entertained.
- Bring snacks, extra clothes, and emergency supplies in your carry-on.
Travel Comfort:
- Use neck pillows and blankets for a more comfortable journey.
- Download movies, games, and music on tablets or phones.
- Schedule travel during nap times or overnight to maximise sleep.
Stay Organized:
- Use packing cubes to keep clothes and items sorted.
- Keep important documents, like passports and tickets, in a dedicated folder.
- Utilise apps for itinerary management and navigation.
Engage and Entertain:
- Plan interactive activities like scavenger hunts or travel journals.
- Explore local parks, playgrounds, and kid-friendly museums.
- Involve kids in trip planning to get them excited and engaged.
Maintain Routine:
- Stick to regular meal and sleep times as much as possible.
- Bring along comfort items, like favorite blankets or stuffed animals.
- Allow for downtime to avoid overstimulation.
Stay Flexible:
- Be prepared to adjust plans based on your children’s needs and moods.
- Embrace the unexpected and make the most of impromptu moments.
- Keep a positive attitude to set the tone for a fun and memorable trip.
These hacks can help make your holiday with kids smoother, more enjoyable, and will ensure that you return home with wonderful memories!
And don’t be afraid or ashamed to email a hotel for a cheeky upgrade.
A polite email ahead of your stay mentioning special occasions like birthdays or anniversaries could land you free perks or room upgrades. You might be surprised by how accommodating hotels can be.
Get savvy with price comparisons
When booking hotels or Airbnbs, I always screenshot the property and use Google Photos to search for it on other websites.
More often than not, I find the same property listed for less – this simple trick has saved me hundreds of pounds.
When it comes to flights, tools like Google Flights and Skyscanner are invaluable for comparing prices.
Don’t be afraid to experiment with dates, times, and even nearby airports to uncover the best deals. Small adjustments can make a big difference.
Heading away for next to nothing
Looking for ways to save big on your holidays? Staying with friends or doing house swaps can be a brilliant option.
On one trip, we stayed with friends in Scotland – we split the food bill, enjoyed home-cooked meals, and had an amazing time for next to nothing. If you’re comfortable with it, renting out your home on Airbnb while you’re away could be a game-changer, covering the cost of your holiday entirely.
If it works for you, letting your home can bring in serious money.
I know people who let their homes while they’re on holiday, effectively paying for their trips, and even someone who lets her flat one week a month while staying with her mum.
Whether you live in a tourist hotspot or a quieter area, there’s often demand for short-term stays – from business travellers to those visiting family.
If you’re thinking about it, take some time to prepare.
Great photos make all the difference, so show off clean kitchens, freshly made beds, cosy living spaces, and any views you might have.
A little effort before uploading pictures can really boost bookings.
Alternatively if you have a spare room in your house, you could rent it out to a trainee teacher. We rented out a room to a trainees teacher from France on work experience at the local secondary school, and enjoyed having them stay.
You could also open your home to touring performers or language students visiting your area for short periods – they’re often out and about most of the time anyway.
To get started, contact local theatres, schools, or language schools to see how to join their accommodation lists.
Alternatively, you can use a trusted platform like spareroom.co.uk to guide you through the process safely and securely.
This could really bring in the extra cash.
Camping out
For nature lovers, free camping is another brilliant budget-friendly idea.
A quick search for free campsites near you can uncover hidden gems where you can enjoy the great outdoors without spending a penny.
Opt for independent camping and caravan sites to save on your next staycation[/caption]
If you’re looking for affordable caravan holidays? Independent caravan sites can often provide great value compared to big-name chains.
While they may not have all the extras, they’re perfect for a budget-friendly break.
I remember visiting one in Canby when I was younger, and while it wasn’t anything fancy, it was clean, tidy, and served its purpose.
We had a brilliant time despite the simplicity! Sometimes the smaller, independent sites offer a more personal and cosy experience, so they’re definitely worth checking out.
If you’re considering a caravan holiday, don’t overlook these lesser-known spots – they might just be the perfect option for a fun and affordable getaway.
Eating out for free
Eating out during the school holidays doesn’t have to cost a fortune – there are plenty of ways to save if you plan ahead.
I always avoid overpriced food at attractions by either packing snacks from home or grabbing a supermarket meal deal on the way.
Even if I forget, I’ll stop at a shop before heading into a venue – it’s so much cheaper than paying their inflated prices.
I took my daughter to the theatre recently, and she wanted some sweets. The price for a small bag of fruit pastilles was £5! Whether I can afford it or not, I just couldn’t justify it – it felt like daylight robbery.
I told her she’d have to wait until we left, and honestly, it’s these little choices that help keep costs down.
There are also great perks to take advantage of. For example, Octopus Energy customers can use the OctiPlus app to claim a free coffee each week from Caffè Nero or Greggs.
If you’ve never downloaded the Greggs app before, you’ll get a free drink just for signing up – I’ve definitely made the most of that.
When it comes to dining out, lots of places offer deals where kids eat free. Some great options include Gordon Ramsay Restaurants, Comptoir Libanais, Bill’s, Yo! Sushi, Morrisons, Tesco, Bella Italia, ASDA, and Ikea.
It’s always worth checking what’s available before heading out.
Swimming on a budget
Keeping the kids entertained during term time doesn’t have to cost a fortune – with a bit of planning and creativity, there are plenty of affordable activities to enjoy.
Why not see if a local homeowner with a pool is renting it out for a day?[/caption]
Local swimming pools are often very affordable, so start by checking out smaller pools near you.
For something a little different, some private homes rent out their pools by the hour. We’ve got one near us, and it’s around £30–£40 for an hour, which you can split with other families. It works out really cheap and gives you the pool all to yourselves.
We did this last year, and it was brilliant – the kids loved it, and it’s perfect if you’re not a fan of crowded pools.
Splash parks are another fantastic option – often free or inexpensive, they’re great for outdoor water fun without the cost of entry fees.
Cinema and bowling deals
Take advantage of early morning cinema screenings like Mini Mornings, offered by Cineworld, Vue, and other cinema chains. These sessions are heavily discounted and perfect for a family outing without spending loads.
They may be called different things depending on the cinema, but they’re all great value.
Bowling can be another fun and affordable activity if you plan ahead. Always check online for vouchers or discounts before booking – many venues offer deals that can make a big difference to the cost of a family trip.
But before heading out anywhere, always do a quick search online for vouchers or discounts.
Kids pass and discounts
When it comes to keeping costs down on days out and activities, I’m always on the lookout for ways to save.
Kids Pass is a fantastic option – it’s great for discounts on theme parks, cinemas, and other activities.
Kellogg’s also regularly runs promotions for free or discounted days out, and I’ve used their vouchers loads of times in the past.
Tesco Clubcard points are another lifesaver – they can get you brilliant deals for places like Legoland, Alton Towers, and other big attractions.
I never go to theme parks without a deal; whether it’s two-for-one offers or discounts where kids go free, there are always vouchers if you keep an eye out.
I’ve found that Tesco Clubcard points, in particular, are brilliant for these kinds of trips.
That said, memberships can be a good idea too, but only if you’ll use them enough to make them worthwhile. For instance, if it costs £50 per visit and you know you’ll go three times a year, then a membership might save you money.
But if you’re not going to use it regularly, it’s just not worth it. You’ve got to weigh up how far you live, how often you’ll go, and whether perks like discounts on food and drink will actually benefit you. I personally always bring my own food and drink, so those extras don’t save me much.
Check with your energy provider
Another great tip is to check if your energy provider offers perks.
For example, Octopus Energy has deals on activities, and even free passes for things like cinema tickets. There are also deals like Meerkat Movies, which can save you a lot.
For quieter days at home, free trial subscriptions can be a lifesaver. Services like Prime Movies often offer free trials, and you can use them during the holidays for movie nights with the kids.
Just make sure you set a reminder to cancel before the trial ends to avoid being charged.
Having a party cupboard
When it comes to buying toys for my kids or gifts for others, I’ve always been smart about finding bargains.
I’ve never been shy about buying second-hand toys – charity shops, boot sales, and school fairs are absolute goldmines.
My daughter Bronte genuinely thinks the toy shop is the charity shop or Poundland, and she couldn’t care less.
Kids don’t mind about fancy packaging or where things come from – they just love the excitement of having something ‘new’ to play with.
I also do toy rotation at home.
Have your kids’ toys on a rotation, it will stop them getting bored playing with the same ones[/caption]
I’ll keep some toys hidden away and swap them out every few days.
It keeps things fresh, and they feel like they’re getting something new without spending a penny.
Whenever I see toys on offer – whether it’s in shops like B&M or online on Amazon – I’ll grab them and put them away for later, especially for birthdays or Christmas.
Amazon is brilliant for deals on kids’ toys, and I’m always checking for price drops.
Just the other day, I found a toy reduced from £40 to £7.99.
I shared it with friends, and loads of people started buying it to put away for Christmas. It’s such a good feeling to be prepared and save money at the same time.
I also stick to a budget of around £10 per present.
If I can grab a deal like two toys for £10 that would normally cost £17 each, then the child is still getting a really nice gift, but I’m not overspending.
For older kids, I’ll often just put money in a card – it’s practical and lets them save for something they really want.
Being savvy with toys and gifts has saved me so much over the years, and it’s a great way to always have something ready without breaking the bank.
Saving and making money
There are so many clever ways to save money when it comes to driving and parking. For starters, to maximise your car’s mileage, try only half-filling your fuel tank each time.
A full tank adds extra weight, which causes your car to burn more fuel.
Renting out your parking space could earn you around £50 a month
You can also save by removing roof racks when they’re not in use and clearing out your boot to avoid driving around with unnecessary weight.
These small changes can make a big difference to your fuel efficiency over time.
If you’ve got a parking space or driveway you’re not using, you could easily turn it into a little extra cash.
In areas where parking is expensive and hard to find, commuters or train travellers are often on the lookout for more affordable options.
Renting out your space could earn you around £50 a month, and apps like JustPark make it really simple to get started.
Plus, having an extra car parked on your drive can even act as a burglar deterrent.
On the flip side, if you regularly drive to work or a specific destination, it’s worth exploring whether you can rent a parking space instead of paying extortionate daily fees.
Money saving challenges
Here’s some of our favourite money saving challenges to h
Here’s a rundown of some of the most popular schemes:
- Weather saving challenge – Save the amount equal to whatever the highest temperature was that week. £1 = 1C.
- 1p challenge – save 1p a day for everyday of the year, but it increase the amount by 1p each day. So day one you save 1p, 2p on day two and 3p on day three. When you reach 100 days you start adding a £1 coin each day too, while this increases to a £2 coin each day plus pennies at 200 days, and £3 each day on top of pennies at day 300.
- 20p a day challenge – Start by putting 20p in savings, then increase the amount by 20p every day. For example, the first week will look like this: 20p, 40p, 60p, 80p, £1, £1.20, £1.40.
- £5 a week challenge – Like the 20p challenge, put aside £5 a week and increase it by a fiver each week. Eg £5, £10, £15, £20
- Round-up challenge – Every time you buy something, round up the purchase to the nearest £1 and put the difference in a savings account. Eg. You pay £2.60, so you put 40p in savings. You can use an app such as Monzo or Starling to do this.
- Bingo challenge – Here you have a bingo card with different numbers on it and you tick them off when you’ve put that amount in your savings account. It can be ad hoc but you have to tick them all off by the end of the month.
- Monday to Sunday challenge – With this challenge, you simply save £1 on Monday, £2 on Tuesday and so on until the weekend where you don’t save on Saturday or Sunday.
- 365 day challenge – Every Sunday you put aside £1, followed by £2 on Monday, £3 on Wednesday and so on. On Saturday you’ll put away £7, and then the process repeats and you’ll put aside £1 on Sunday as the new week begins.
