Saving is often a difficult task. But it does not have to be. There are many ways in which you can add money to your account without being superhumanist.
Here are some tips to saving money from the wisebread site, perhaps some of them already and now hold, but it’s never a repeat:
- Automate savings
In your bank, ask for a part of your salary with a permanent order to be automatically paid to your savings account so that you can save without thinking much. That way you will live within the budget.
- Use cash, not cards
Credit cards often consume more than you notice. If you easily succumb to the temptation to pay by the card, get rid of it and learn to pay all the cash, even if you miss the prize points that some cards bring.
- Read more
Do you know what Warren Buffet does in his spare time? Read. You may not become a billionaire, but reading the literature on personal finance and improvement will help you to have a healthier relationship with money. You will be used to saving, which will make life much easier for you.
- Cook yourself a cup of coffee yourself
An espresso machine or ordinary jazz goods are an alternative to going to a coffee shop. If you do not dislike the taste of instant coffee, it’s the fastest option.
Studies have shown that a healthy habit can bring a lot of benefits in other aspects of life. If you add to your daily exercise schedule, your relationship to money could be improved.
- Hang out with your friends
It’s hard to be in the company of Ante or Stipe who pay meals and drinks every time, because you will always feel obliged to return. Choose who you are going to hang out with. This does not mean that you need to be a “chit,” but be realistic about what you can afford.
- Have a good night’s sleep
The lack of sleep can impair the control of the impulse. Be careful not to buy impulsive things that can exhaust your resources.
- How to save money? Clean the vinegar
Instead of spending on cleaning agents, use the product you already have in the kitchen – vinegar. Using products from the pantry is not only cheaper, but also less toxic.
- Disconnect the cable TV
How realistic of your 160 TV programs are you watching at all regularly? Today, almost everything can be found on the internet so your TV does not need it at all.
- Do not delay things
If you postpone doing things, it costs you. This means that you will later pay bills, pay fines, and you will do less work. You’d rather achieve the most productive day ever.
- Optimize your mobile phone costs
Adjust your mobile service package to your actual spending. For some users, more expensive vouchers are available for other subscriptions. Pay as much as you spend.
- Ask for a raise
It’s time to be encouraged and ask for a raise. It may not be easy, but it will pay off. Not only will you have more money in your account, but you will be more confident.
- Return tax, money from birthdays and bonuses pay directly to a savings account
Avoid turbulence by charging a savings account. Keeping extra money will definitely be worth it!
- Have your friends save things while you are not
Along with friends, you arrange to keep them kids, pets and house while on the road. Do not pay someone else for it. Be Nanny to each other.
- Change clothes with your friends
If there are clothes in your closet that you do not need or do not like, give it to your friends. They will surely have something for you too.
- Check things twice
Nervousness is expensive. For example, forget to pay a parking ticket and get a high penalty. Or your cell phone drops into a taxi. Be sure to check things over and over again to make sure everything is in place.
- Start a business from your hobby
You think that having two jobs is too exhausting, but it does not have to be. For example, you like to make soaps, jewelry, relaxing your bicycle or being a fitness enthusiast. Additional earnings are never bad.