You probably heard it all, and more than once. Stop going out, forget shopping centers and never buy things you don’t need. However, Mary Hunt, a financial planner for women, told Huffington Post that most of us do not prioritize planning and budgeting, so we always have problems with money. The expert gives ten tips on how to save money for real.
1. Throw yourself a 100 dollar challenge
As soon as you have collected $ 100, go to the bank and ask to exchange money for one bill of this denomination. Take the “hundred” and put it deeper into your wallet. What's the point? When you shop with this bill, you don't want to waste it on little things and take change. Some small shops will not accept such a bill, for example, for a cup of coffee - the first step towards saving.
2. Learn discounts
Try to choose the usual products, using the promotional and discount grocery stores offers. Study offers and use coupons, both online and offline. And remember that this is a discount, not a cheap sale of products with an expiration date.
3. Less often, eat out
If you count all the snacks in the cafeterias, hot dogs and hamburgers intercepted on the run, lunches, dinners and breakfasts in establishments outside the home, then a very decent amount will arrive in a month. Declare yourself that you will eat outside the house no more than twice a week, and gradually reduce this output to one.
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4. Take lunch to work
You will need 10 minutes to cook it. You can make a double portion of dinner the day before (if you have the opportunity to warm it up in the office) or in the morning cut sandwiches. During the week on the absence of meals outside the office you will save a lot of money.
5. Record all expenses
Even if you once again spent all the money on shopping, sit down and write down everything as detailed as possible. It is all. Looking through these records at least for a week, you will understand where the fixed assets are going, and you will wonder if you really need such expenses.
6. Save 5 Dollar Bills
Or some other denomination of the same denomination. Instead, make it a rule - each of the top five (ten) to put in a box or piggy bank, watching with pleasure as your cash grows.
7. Use cards less often
For daily expenses, it is best to return to cash, since our mind perceives amounts on plastic cards as unreal and without limits. Regularly study the statistics of spending on your plastic cards - best of all, once at the beginning of each week.
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8. Make children's pocket money in the budget
If your children are already old enough to use pocket money, write this line of expenses into the budget, and not just pull bills out of your wallet and give them on demand. Instead of encouraging them with cleaning money and grades, it’s better to let them sit longer on the Internet or visit them once more.
9. Do "paid" business yourself
It is possible that you pay special workers cleaning the garden or at home, walk with your dog, even when you could do it yourself (when it is impossible - it is not a question). Such tasks can involve all family members, and save decent money.
10. Reduce the cost of household chemicals
The last piece of advice that the expert gives is to try to explore the issue of using cheap organic products and dishwashing, washing and home care products. In many cases, expensive chemistry may well be abandoned.