Tips on Saving Money On a Daily Basis
issue of saving money has always worried average citizens. Now, when
the Global Financial Crisis has worsened the situation, the importance
of accurately counted budget and well-considered spending of money is
brought into the forefront. That’s why it’s highly essential to learn
to save money. The following tips helped me to save money on a day to
day basis. Believe me, it’s easier that you think, just try it:
and wherever you go shopping, make a list of the products you REALLY
need. Otherwise, you risk ending up with a full cart of so-called
impulse stuff and an empty wallet. After I got trapped into a similar
situation once, I started to make lists, and, surprise, I don’t need as
much as I used to buy.
Home Food Rules
you spend all day at work you definitely don’t feel like cooking once
you return home. I absolutely understand you but that’s the right way
to success. Count how much you spend eating out and compare it with the
cost of home food. Impressed, yeah? I cannot but mention lunch time at
work. Why not to take a snack from home? Do it at least three times a
week and you will see the difference
Make a Budget
your total income, then take a piece of paper and make a list of
monthly costs (bills, mortgage payment, fuel cost, movie, café, etc)
with the proposed sum of money to spend. Your task this month is not to
exceed the number in the budget list
Credit Card Is Evil
I exaggerate, of course, but there is something in these words. Pay for
everything in cash, this prevents you from overspending. If you cannot
stop using the credit card at all, at least restrict its usage.
No Fees. Be Responsible
you need is to get organized. I personally set for myself a deadline
that is five days earlier that an actual deadline. Several months and
it turns into a money-saving habit.
think it’s useless to save money if you have no a definite goal. My
husband once said: “I want to buy a car in 6 month”. And since then we
knew what we were saving for. I would advise to set short-term goals,
otherwise you may get disillusioned soon.
Save On Fuel
that’s a sore point for most. The first step to success we made was to
change a car for the one that consumes less fuel. Besides, we use only
one car instead of two most time. At the weekend we used to drive to
the countryside, now we spend free time walking or riding. That
resulted even more effective that we thought at first.
Stay Away From Lavish Friends
they are nice people, but their habits oppose your money-saving
purposes. They will never support you as their principle is “live your
live today and don’t think about tomorrow”.
Look Back and Make Conclusions
a couple of months of your new life look back and make conclusions
about your first results and success. All the tips are individual, and
you don’t have to follow all of them. So, re-evaluate the tips
according to your personal situation.
Work, Work and Work
you think that it’s possible to save earning little? Develop your
professional skills, climb career ladder and earn more. Successful
people attract money.
These tips are based on my
personal experience and I will be really glad to know that they could
help anybody else to learn to save money. Good luck!
above ten tips from Olga are basic but important ones and amount to a
workable system. We at TheTipsBank would welcome feedback from people
who have applied Olga's principles. -- Comment -