At the height of pre-holiday shopping, it is important to know how you can save money and avoid unnecessary costs.
The financial and economic crisis has forced many people to tighten their belts more tightly and learn how to save money. Some are good at this task and do not have any difficulties in denying themselves the pleasure of buying something superfluous. For others, this task becomes a real test. On the eve of the New Year holidays, the issue of saving money becomes even more urgent, because you need to spend money in such a way that enough for gifts, utilities, and gasoline.
Below are the 10 tips of experts that will help you to learn how to save money and rationally use the accumulated funds.
1. Learn how to keep track of money
A useful habit for everyone will be the maintenance of their financial statements. At the end of each day, try to write down your spending in a special notebook or create a separate file for this on your computer. To date, there are also many programs and applications that will help you keep records and not miss out on anything important.
Writing down your expenses, you can track how much money and what needs you need for a day, a week or a month. You will be surprised how much unnecessary waste is wasting your wallet, and you can rationally determine what you should refuse.
2. Start planning your expenses
At the beginning of each month, make a list of mandatory expenses (utilities, gasoline costs, renting an apartment, etc.), and add a “reserve” amount for unforeseen expenses that may appear (going to the doctor, friend’s birthday, etc.). Thus, you will see how much money remains after all the expenses, and you can plan the budget.
3. Give up credits and credit cards
You can not rationally correlate income and expenses if you live in debt. The presence of a credit card in the purse only aggravates the desire to buy an unnecessary thing, but after all the funds borrowed from the bank will have to be given away sooner or later, and this is another blow to your budget.
4. Do not spend your salary on the day you receive it.
After receiving the treasured salary, do not go to the supermarket or any other store. In such places, marketers come up with a variety of ways that “help” you to spend as much money on unnecessary goods. Come home, make a shopping list and clearly follow it when you go to the store.
5. Get a piggy bank
In childhood, everyone collected coins in ceramic figurines with a small neckline, and then smashed them or extracted money through a hole at the bottom. This way of accumulation is still working well. With a lot of desire with the help of such a piggy bank can be collected on a new smartphone or wardrobe update.
6. Attentively to the actions and sales
Buying products at a low price is a very good way to save money. There are people who manage to save on rebates and sales a lot of money from their budget, knowing in advance about the conditions and venue of the action. However, for low cost, low-quality or overdue goods often cost. Therefore, carefully follow the date of manufacture (if it comes to food) and carefully check the tightness of the package.
7. Save on bad habits
This will help you not only save money, but also save your health. For example, quitting smoking can save you a lot of money, especially if you count how many packets of cigarettes you buy for a week, a month or a year. And this is a very good motivation.
8. Try to save on housing
Set the meters for water and gas, buy only energy-saving lamps and do not forget to turn off the lights in rooms if you do not need it. Also, remember that a fully loaded washing machine consumes less water and electricity, and the refrigerator less “shakes” if you do not put hot dishes in it.
9. Use discount cards
Perhaps, you have not accumulated much, but your friend probably has a map that you need. A friend, in turn, can ask for discounts that you have. Such an exchange would be beneficial for both.
10. Buy goods in bulk
To date, in some supermarkets, wholesale purchases start at three units, and the price will be much lower than retail. For any family, this way of buying goods will be beneficial. And the money saved, so be it, you can spend on your favorite treat.