Treceți la conținutul principal

Saving more money can be as simple as these 8 easy steps

There are many excellent reasons to start saving more money, such as buying something special like 
a one-time vacation, updating your home’s exterior, or sending a larger amount of money to family 
members. To save money is sometimes a difficult task to accomplish because you might have to give 
up certain things that you are currently attached to very much. But that doesn’t mean it's not a good 
step to make.
You can be happy without spending a ton of money. There are people who buy things, believing that 
they will bring happiness, so they’re always looking for the latest gadgets, the shiniest cars or new 
pairs of shoes of a famous designer. And yet, after they give a lot of money for these things, they are 
happy for a day or two, after which this feeling disappears and they have to look at another thing they 
can buy. It's better instead to learn to love life, to enjoy everything, however insignificant it may seem. 
Enjoy nature, meditate, walk and have fun with your loved ones. There are so many things that can 
make us happy that we really do not need to think about spending when we want to enjoy life.
One of the most important things is setting a clear objective. Seeing your savings as you approach the 
goal is a strong motivation. It's actually easy enough to save - start by making small changes every 
day and see how money is gathering.
1. Monitor your expenses.
The first step is to start keeping a daily record of each purchase you make. Make sure you record 
each purchase, however small. There are many excellent free apps on the market that allow you to 
register your purchases and report back to you. After about two weeks, it's easy to see ways to cut 
spending. Here is a list of great budgeting apps that can help you with this.
2. Set a budget.
Drafting a budget is mandatory for saving. A budget must not be complex, but discipline is also required. 
Just make a list of all your fixed expenses and other needs. Include the amount you'd like to save and 
optional spendings like clothes and entertainment, and then respect your budget carefully.
3. Pay only in cash if possible.
When using a credit or debit card, it's easy to lose track of the amount of money spent in a short period. 
In addition, paying interest on credit card purchases can greatly increase annual spending. With cash 
you can see how much money you spend and have a fixed budget - you only spend what you have in 
your wallet without withdrawing any more money from the ATM. It is also a mental matter: when you 
have to actually get the money out of your wallet, you'll get it harder, thinking twice about the purchase 
you want to make. When you pay with the card, you just pass the card through the device and get it 
done. You cannot sensually perceive the amount spent. This makes it easier for you to quit the 
respective amounts of money. So stick to cash.
4. Reduce utility bills.
Lowering the temperature of the thermostat by only one degree or two will reduce energy costs, just like 
other simple measures, such as turning off the light when leaving a room or switching off devices that 
you do not use. Here are some great examples of how to save money on household bills
5. Cook at home.
A very simple way to save money is to start cooking more at home. Instead of having dinner at the 
restaurant, ordering pizza or having a meal at the fast food before you go home, buy fresh ingredients 
and go for recipe testing. Also, when you travel by plane or on holiday, bring from home the food and 
drinks you eat at the airport or at the hotel, that way you can avoid to buy them at much higher prices at 
the airport.
6. Avoid impulsive shopping.
As today everything we want is just a click away, it's easy to let impulsive shopping spoil our budgets. 
Make sure you've reflected if you "need" an article and not just "want" it. Set a threshold for shopping. 
Wait 48 hours for any article that goes beyond the threshold before buying it with a click. If you want to 
buy something to dress and is not a real urgency, wait for the after seasonal promotions. For example, 
buy winter clothes immediately after Christmas.
Sometimes you can find some promotions on things you really need, so it's time to act. If you don’t 
have the necessary amount at the moment, you can ask someone close to you to make you a small 
loan in order to qualify for the discount. You can also use brands such as Cash Lady to help you with a 
loan in case you find a good promotion for an item you really need. If the commission on the loan is 
lower than the discount, then it is definitely worth it.
7. Be wise with children purchases
By the age of 12, buy baby clothes at discounts or second-hand, because you throw them anyway the 
next year. This also applies to toys. In addition, the money you put aside through this method can be 
used for your child in different better ways, when they will need other things that are much important in 
the future.
8. Sell from things you do not use anymore.
The fastest way to gather and save money is to sell from objects you have not touched for a long time 
and that you no longer use. We all have them - things we have some emotional attachment but we 
have not been able to use for a long time. Whether they are gifts (often not just to your liking) or items 
bought with the idea that you will use them sometime, and it becomes more and more obvious that this 
will not happen too soon. Surely you have gathered things you could easily separate from. Do not wait 
for the moment when maybe you will still need them, but turn them now into money and sell them on 
the internet.

Comentarii

Postări populare de pe acest blog

Huge Blogsale

Produsele din acest blogsale sunt noi sau putin folosite. Pentru ca am o colectie foarte mare de produse si nu apuc sa le folosesc pe toate m-am gandit ca o sa fie o ocazie buna pentru voi de a le lua mai ieftin. Banii se depun inainte intr-un cont ING , transportul costa 3 lei .  Comanda minima este de 30 de lei.  Pentru comenzi puteti lasa mesaj sau sa imi trimiteti un mail pe adresa blog.lauram@yahoo.com Skin Repair Moisturizer Liz Earle - Pentru ten mixt si gras Folosita o singura data. Pret magazin : 97 RON , Pretul meu : 55 RON.  Top coat matifiant Rimmel London - nou - Pret nou : 15 le i ; Pretul meu : 10 lei.  Oja crapacioasa - doar incercata - 10 lei Oja bio Benecos  , noua - 18 lei (pret magazin : 28)  Oja Barry M - 7 lei   (pret nou: 15 lei) -rezervata Oja Astor Lacque Deluxe - 7 lei (pret nou: 19 lei) Oja beauty Uk - 6 lei  Oja Essence - noua - 5 lei Oja Golden Rose - 2 lei Pensula Sigma Large Powder F 20 Folosita putin  Pre

Review Cerave Foaming Cleanser si Cerave Moinsturing Lotion

 Buna fetelor, Astazi vreau sa va scriu despre un brand descoperit anul trecut care imi place foarte mult pentru partea de ingrijire a pielii : Cerave. Cerave este un brand cu produse create impreuna cu dermatologi, care au dezvoltat o gama de produse fara iritanti, bazate pe ceramide similare pielii pentru a oferi o varianta de ingrijire care reface bariera pielii si a oferi hidratare pentru o perioada mai lunga. Ceramidele formeaza bariera de protectia a pielii, mentin hidratarea si compun 50% din stratul de lipide. Gelul de curatare pentru piele normala si grasa Cerave (Foaming Cleanser) este produsul care mi se potriveste cel mai bine pentru a-mi curata tenul dimineata si seara. Contine trei ceramide esentiale, acid hialuronic, elimina excesul de sebum , curata usor si profund impuritatile si machiajul, nu blocheaza porii. Pentru machiajul ochilor, recomand totusi sa folosim apa micelara inainte. Formula este fara parfum deci este potrivita si pentru tenul sensibil.Mie im

Review: Cleanse & Care Eye Make-up Remover Boots No7

 Am demachiantul acesta de cateva luni si imi place sa-l folosesc , cred ca e demachiantul meu bifazic preferat.  Are o consistenta apoasa , usor uleioasa si curata bine pana si machiajul rezistent la apa. Testul suprem a fost cu un eyeliner waterproof de la Essence care trece foarte greu , insa cu acest demachiant nu am avut probleme.  Eu agit foarte bine flaconul, pun cateva pompite de demachiant pe o discheta si sterg machiajul ochilor .Nu imi agaseaza ochii , nu trebuie sa insist tare. Deseori l-am folosit si pentru ten si curata bine , pot sa spun ca imi simtean tenul usor hidratat de la uleiul continut.  Imi place si ca formula este fara parfum , testata oftalmologic, hipoalergenica, potrivita pentru ochii sensibili .  Singurul minus ar fi pretul mai mare decat al celorlalte demachiante bifazice folosite de mine, in jur de 35 de lei. Pompita este perfecta pentru dozarea produsului , cateva pompite imi sunt deajunse pentru ambii ochi.  Din cateva miscari s-a luat