Saving money can be a very difficult goal to achieve because unexpected bills and payments can affect our finances without notice, leaving us out of our pockets and without motivation. Saving for a large purchase, like your next holiday, can be difficult, but you can reduce the cost of your next holiday in different ways, and all you need is a little time, patience and effort.
1) These Things On The Bottom Of Your Legs? They Are Called Feet.
Rediscover them. Crashing the car can save you an absolute fortune. It is clear that most people cannot do without the wheel completely, but you must ask yourself if you really need it to clean or take your children to school. Walking is in my blood. Every day I went home on foot, 5 km from the school, then to Vienna, 7 km from the workplace. I loved it. Certainly, it is much less frustrating than staying in a traffic jam or cursing when the traffic lights turn red. If you are in a position to try a less self-fulfilling life, try it.
2) Brown The Bag
Do you remember your school lunchbox with love? I do! Then revive it. Prepare a small picnic for lunch every day and save several pounds for food. If you prefer hot meals for lunch, this requires more organization, but it is relatively easy to prepare a large batch of hot peppers and let it work a few days in a row or freeze it for later use. Homemade sandwiches tend to be not only healthier if you skip mayonnaise, but they are much cheaper than store-bought ones. Also, with all these new culinary skills, you can impress your partner or partner without having to look for food in the restaurant!
3) Make Staying At Home The New Black
Meet friends in elegant bars and restaurants several times a week. It`s very funny, but incredibly expensive. Why not organize a dinner and invite your friends to do the same? Organize a cheese and wine party or stay with friends, get out of popcorn and watch a movie. Of course, don`t become a loner, but start thinking of cheaper alternatives to the activities you love.
4) Save Automatically
If possible, arrange with your employer so that a portion of your paycheck is automatically deposited into your savings account. If this is not possible, try to be disciplined and do the same with online banking. Even if you don`t get there every month, it`s better than nothing. At home, try to keep a piggy bank. At the end of each week, empty all your money in reserve. Nice and easy, you won`t miss it!
5) Get A Second Job
Do you think you can spend an afternoon or two a week on a weekend? Then this option may be for you. Jobs for students in particular are easy to find: bar work, restaurant work, call centers, fast food concerts, even tutoring, so there is no excuse. If you are already working full time, things are more complicated, but depending on how much time you are ready to invest, it is possible. Many restaurants and bars will hire staff for some shifts per week, especially for uncomfortable shifts that other employees like to avoid. If your schedules are more flexible, try joining an agency to make strange changes here and there.
6) Do Odd Jobs
Dog walking, babysitting, lawn mowing? The world is your shell. Ask around your circle of friends, post flyers in your neighborhood, talk to your local parish, as you wish. If you have additional talents, why not offer them too? Trained as an electrician? Quick and easy solutions. Did you study history? Tutor of students in difficulty. Do you know a second language? Try teaching someone else. Make sure your prices are fair and that people take it.
7) Keep Your Eye On The Goal
It is always helpful to monitor your finances, especially when you are saving for a particular purpose. If you are not careful, you can fall behind or fall out of the car easily, it is not good! Be sure to check your bank statements regularly (Internet banking is a blessing), save your receipts and keep a spreadsheet of your expenses so you know where your money is going. You can discover serious drains that you have never seen before.
8) Set Up A Direct Debit
Once you have found and opened your new savings account, it is a good idea to set up an automatic charge from your checking account to your savings account. If you choose to do so, the trick is to reserve only what you can afford. It may be tempting to cut your salary in half, but it is not practical, you have not left enough money to pay for your needs, such as rent, bills and food. Therefore, when setting up your direct debit, it may be a small amount that you can choose to increase if you have the means. Another thing you can do is pay a little more for your direct debit if you discover that you have a little bit extra at the end of the month.