15 simple tips on how to save a lot of money
• 15 simple tips on how to save a lot of money
The payday you think that the world is a better place, cafes and restaurants entice you with its menu and smells, and shopping malls have become almost a native home. But just a week (plus or minus a couple of days), you suddenly notice that the salary is almost nothing left and you barely have enough money to survive until the next payday, not to mention the fact that it was not possible to postpone a penny this month even though you promised yourself holy to be economical. If you are familiar with the above situation, our material is for you. We decided to share with our readers is actually very simple tips on how to save a lot of money.
Limit the purchase of unhealthy foods (such as hamburgers, hot dogs). Of course, the purchase of one or two hamburgers a month is not much burden to your household budget, but if you eat them every day, you should know that spending your hard earned money on clogging your arteries of plaque. Eat healthy foods and home to not only save money, but also to preserve his health. Being healthy - it means saving on drugs because the disease is always associated with additional costs. (Photo: Matthew Mead / AP Photo).
Save on food and other goods, buying them at a discount during the actions of supermarkets. You'd be surprised how much you can save by buying discounted products or through coupons and special offers. The Internet now has numerous websites where you can find out about promotions in your shops. (Photo: Mike Spencer / AP Photo).
Avoid visiting shopping centers unnecessarily. Their interior is designed so that visitors spend there as much money as possible. Good lighting, bright windows, pleasant music - all this makes us buy a lot of things that we do not need. If you do not need something there to buy, just do not go there. (Photo: Chameleons Eye / REX).
to buy clothes in the on-line stores. As a rule, the online clothing store cheaper than conventional fixed. Buying clothes online, you will also save money through coupons and discounts. (Photo: SeongJoon Cho / Bloomberg).
Give your friends and family handmade gifts. You can make them yourself or buy from online stores that sell very interesting, unique and often very cheap products. (Photo: Future Publishing / REX).
Do not eat often in cafes or restaurants and order a takeaway. Work outside the home and busy schedule often force us to eat in the cafe, and after work - to order a meal on the house. If you add up all the amounts you leave every day at public power, the outcome of the month you can impress with its size. Try to plan your day so that to find the time to cook a meal at home. (Photo: Giorgio Cosulich / Getty Images).
Buy clothes in a classic style and neutral colors. If often, looking at your wardrobe, you can not find in the cupboard suitable to trousers blouses (shirts) and a pair of shoes, our advice is for you. Classic clothes in neutral colors and will save you from everyday dilemma: what to wear? By such clothes is enough to pick up fashion accessories and jewelry, and you will not need to buy new things every month. (Photo: foto76 / Getty Images).
Buy clothes at second-hand. Maybe not all of this advice will like, but these stores can actually pleasantly surprise even the most demanding customers good quality things. Cheap does not mean bad. (Photo: Justin Sullivan / Getty Images).
Buy only high-quality equipment of famous brands. Buying cheap electronics and appliances, you save money just the beginning. As a rule, such equipment consumes large amounts of electricity, and quickly breaks down. (Photo: iStock / Getty Images).
Buy products wholesale. This will allow you to save money and have a nice house a large stock of products (in terms of inflation, that is constantly rising prices, it is another good way to save money). Supermarkets sell small wholesale products at lower prices, as well as offer these customers discount cards. (Photo: Richard Jones / REX).
Carpooling or trips together - a great way to save money before you reach the place of work or traveling. Moreover, sharing the car will reduce the harmful effects of exhaust gases on the environment. (Photo: Universal Images Group / REX).
Replace incandescent bulbs to LED. LED bulbs use less energy and are much longer than usual. You will not only save, but also will make your personal contribution to environmental protection. Double win! (Photo: Mark Lennihan / AP Photo).
Going to the store, make a list of necessary purchases. This is a golden rule to be followed by all those who want to save. Buying according to the list, you will not have to throw away the product that you bought too much and who do not have time to eat before they spoil. And one more piece of advice: never go to the store on an empty stomach. Scientists say that a hungry man is inclined to buy and spend much more money than satiated. (Photo: Cliff Owen / AP Photo).
Try to do one day a month "day without shopping." Do you remember when was the last time for a whole day without spending a penny? No, then try in the selected day will not spend a penny, and see for yourself that it is not so difficult. (Photo: WestEnd61 / REX).
If despite all these tips, you still do not have enough money to pay up, then the idea of a loan becomes very tempting. However, in order not to fall to the credit "trap" should observe the following rules. (Photo: iStock / Getty Images). First, calculate how much money you really need to take out a loan. Do not be tempted to take more than planned. Secondly, so you do not wake up at night from nightmares, you need to take credit for such a sum, a monthly payment of which will not exceed one third of your family's income (in the case of job loss, illness, and so on. N.). Third, remember that the smaller the documents you require from a bank or credit institution for the issuance of the loan, the higher the interest rate on it (ie. E. The loan will be more expensive). Fourth, if you decide for a credit card, compare the offers of different banks, because some of them offer their customers such favorable conditions, as a return of the money spent or interest-free use of the funds up to 50 days, which will allow you to be nice to save . Fifth, pay your loan payments on time, otherwise the bank will begin to charge higher rate of interest for late and then you have to take one more credit to pay off the previous one - is how people get into credit "trap".