The habit of saving is now a necessity for all people, regardless of their income or social class. So it’s important to have some tools that help you in this task, which should be daily. And we know that it is not easy, since we are bombarded with propaganda all the time encouraging us to spend and buy. But saving money is easier than you think! Know and apply our 10 savings tips:
Tip of Economy: Always ask for discount
The art of negotiation leaves many people bland, but it is imperative for the everyday economy. Believe me, it’s more possible than you realize. Whether it’s a discount for sight purchases (even in debt), or rounding down prices, do not miss the opportunity to ask for a discount.
Seek to always pay cash
Paying cash is great for your pocket because you do not accumulate debt for the future. Installing purchases is bad for your budget, because you will be relying on money you do not know you will have in the future. So instead of long installments, try to save money and buy cash. You can even ask for discounts in this way!
Have a list of financial goals
Do not shy away from your financial goals! Having a list of these consumer desires (home, car, home appliances, etc.) always in hand helps you stay focused and not waste unnecessarily.
Give a tithe to yourself
Every beginning of the month, when wages count, how about being the first to benefit from it? Set aside between 10% and 15% of the salary for some type of investment as soon as you receive it. So you work through the month with just what’s left over and still have the potential to save more in the future.
Have only one credit card
Having a credit card is already bad for finances as it is difficult to get away from the annuities and installments. Try not to use your card often and just have one! Many cards mean more annuities and out-of-control spending.
Have a thorough budget planning
Among the tips of economics, it is important to make a monthly budget planning, with all your expenses and revenues. Find out how much you can spend and how much you should save so you do not carry debt for the next month. To get out of control, apps like the Pocket Guide can help you with this task.
Buy less and sell what you never use.
Your house is full of objects and you have nowhere to store your things? How about some of them? Use the site Enjoei.com and get rid of some items you no longer use! And try to buy less, be frugal day by day.
Be aware of the benefits of mileage, punctuation and other benefits programs
Sign up for all mileage and punctuation programs you know (as long as they have membership fees or annuities). You may be missing the opportunity to exchange points for travel, tickets, small appliances, magazine subscriptions, etc.
Never go hungry shopping, and always have a list in hand
Golden rule of the economy in the supermarket and the mall: eat before you leave the house. You avoid visiting the restaurant (which is usually expensive) and still stick to the items on the list. Nothing superfluous.
Economy Tip: When possible, use public transportation
Have you stopped to think how much you spend to maintain your car? The My Car website is a Monster helps you make this calculation, and the results are really scary. Whenever possible, use public transport! Maybe you do not give up.
With these savings tips at hand, it is easier to know where you can save money and cut costs. Thus, you do not deviate from the focus of your financial goals and stop unnecessary debt! Are there any other tips that were not listed? Share with us here in the comments! Get Involved!