Our everyday life is cluttered with temptations - invitations to buy the "newest and best" smartphone, to attend the "concert of the century" or to buy "especially high-quality and improved" water appeal to us on the street, in a store, on the Internet, even in the mailbox.
Therefore, living in this age of abundant information and product availability, it is important to be able to keep a cool head and weigh your financial options and needs.
emotion I offer 10 ways to save money in everyday spending. Perhaps one of them will completely surprise you. But the most important thing is to realize that the first step is the key to changing any habit.
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Collect change
Many of us don't pay attention to change until it starts to tear the wallet or until we find it scattered in the pockets of clothes or bags. Time to introduce a new daily habit! Every evening, put the change in your wallet into a jar, container or piggy bank. In this way, you can quite easily save up to several hundred euros in one year, without even noticing the "loss" of money on a daily basis.
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Pay your bills on time
Everything is very simple here - if we pay our bills and loan payments on time, we avoid paying penalty interest or late fees. If you tend to forget to pay your bills on a regular basis, it's worth considering setting up automatic bill pay, as you can lose out on lawsuits by paying penalty interest.
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In the store - full and with a list
Who hasn't had to go shopping hungry and then try to figure out what to do with five different types of cheese, a kilo and a half of sausage and more snacks than they could eat in a week. You should only buy food when you are full - a hungry person will find any appetizing trifle suddenly very, very necessary.
It is best to buy food with a pre-prepared shopping list based on an already planned meal plan for the next week. In this way, you will not only avoid unnecessary impulse purchases, but you will also be much less likely to throw out spoiled food.
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Cook at home
Cooking at home really saves money. This advice will not surprise anyone - after all, when you cook a meal at home, you don't have to pay for other people's work, nor for the rent of the restaurant premises, nor for the restaurant's profit. Nor do you have to pay a premium for dishes that could easily be prepared at home using the Internet's rich recipe resources. This also applies to home delivery. Plus, homemade pizza can be much, much tastier than the one you order out, not to mention the money savings that can reach at least
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Don't buy bottled water
It's very convenient and apparently cheap to grab another bottle of water at the store during your daily run - especially on hot summer days and when you're really thirsty. However, look at how much money you spend on plastic packaging and branding - wouldn't it be more rational to reuse a plastic bottle you've already bought by filling it with water at home?
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My own cup of coffee
The calculation is quite simple - for the amount of money you can buy two cups of coffee at a cafe or gas station to take away, you can buy a packet of coffee and make at least 30 cups of coffee at home. If you're a fan of really good coffee, invest in a good coffee machine or French press. Also, if you like to enjoy your coffee on the way to work or on a walk, there are really great designs and sizes of thermos mugs available these days.
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Shop smart
There are people whose shopping motto is never to buy anything at full price. It's worth listening to. However, if you don't want to adopt this seemingly radical motto as your shopping guide, it's worth considering the financial benefits of shopping on sale, online or at discount stores such as outlet stores.
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48 hour rule
Try to wait 48 hours before making any major purchases, especially impulse decisions. If you still want to buy this item two days later and you're sure you can afford it, go ahead! Most likely, you will have already considered all the pros and cons - both the need for the purchase and your financial capabilities. At a time when we can buy anything without even leaving the house, it is very important to implement some kind of control mechanism that helps control our impulses to buy something beautiful or pleasing, but perhaps unnecessary or something that can turn out to be bad for our pocket as a result.
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Sell the things you don't need
In recent years, various markets for second-hand clothes and things, groups on social networks and even websites specially dedicated to this have experienced a real triumph - it is not only an opportunity to find unique "pearls" that the previous owner is no longer interested in, but also to get rid of unnecessary things. while making money for it.
It is possible to sell almost anything - from perfumes that someone gave as a gift, but which, unfortunately, are not to your taste, clothes that do not really fit or you don't like, and ending with an old used phone - maybe someone needs it right now.
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Grow your own
Sometimes really useful activities come into vogue - one of them is growing food. Evaluating the options, you can introduce your own greenhouse and garden, growing seasonal vegetables and berries, or express yourself by growing not flowers, but herbs on the windowsills. The seeds are not expensive and it will definitely cost less than buying everything from the market or supermarket.
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