1. Use cash: it’s easy to spend money that you don’t have when you pay for everything by credit card. Cash makes your feel more real expenditure, therefore you will find it difficult to part with your hard earned money.
2. Set an allowance: to make sure you don’t overspend set yourself a bonus week or even daily. This will ensure that you don’t find ever in debt. If you haven’t spent your cheque per week you can enter the difference on your savings account.
3. eat at home: takeaway tend not only to be unhealthy but are also expensive. Spending $ 10 -15 every time soon adds up to a lot of money. If you order a takeaway that then a week to 12 $ $624 is over one year.
4. Monitor the expenditure: these days many of us have a Smartphone like an iPhone or a BlackBerry which makes it easier than ever to track our daily shopping. An app will work on your phone or you can monitor spending online.
5. Sell is not necessary: we all have something lying around that we don’t need more, be it an old TV or a pile of clothes. eBay does sell unwanted objects as simple as possible.
6. make a list: food when you go grocery shopping always make a list and stick to it. When there is no list is easy to buy extra items that we don’t need. Sometimes you end up forgetting what we actually planned for purchase in the first place. Make it your mission to never go food shopping when you’re hungry; the temptation to buy junk food is too large for most of us. You can also save more money on your grocery shopping by purchasing online with the advantage that they will be delivered directly to your door.
7. Expiry dates on food: Americans spend millions of dollars every year simply to throw away food, think that it is no longer safe to eat. Expiration dates are there only for two reasons; I know that a company can’t get sued if a buyer gets sick and increase profits. I’ve been eating food that has “expired” for years and have never been sick because of it (another advantage is that the element is always cheaper if bought on the day of that date).
8. go to the movies before: instead of going to the movies at the beginning 20: 0: 0 18 going first tickets are cheaper when not in prime time. Bring snacks from home, snacks at the theater are incredibly overpriced; Did you know there are 1000% profit margin on popcorn! You can also save more to watch and download movies legally and cheaply on the internet.
9. Put the 20% of your salary in savings: whenever you get paid the 20% of the money put in savings account. This soon becomes second nature and it adds up to a substantial amount of time.
10. lend and borrow instead of buy: before making a purchase ask your friends or family if they have the voice. The easiest way is to send an email asking them. Family and friends always want to help each other.
11. Achieve materialistic goods won’t make you happy: all of us have felt that feeling of happiness after purchasing the latest gadget or piece of designer clothing. The thing is that there are just happy for a day or two, then we are looking for something other, buy to get that feeling back. Is a never ending cycle. Advertising is the greatest art form of the 20th century; works incredibly well to get us to part with our money.
12. use the $ 100 rule: this is a simple rule, if you plan to buy something that is $ 100 or more, wait a day to see if the urge to shop is still there. This will allow you to assess the need for the element more calmly.
13. always ask: can never get unless you ask. Make a habit of asking for discounts or if there’s a sale on. You’ll be surprised how much you can save just by asking.
14. Prepaid: some readers should ignore this advice, as it massively could backfire, but if you’re like me then you don’t spend hours on the phone. It’s just a quick phone call here and there and above all communication from the text. I stopped my 50 $ per month contract and only spend about $ 20 per month; a savings of $ 360 per year. You can get a good prepaid phone for as little as $ 20 at Amazon.
15. Gym Membership: a lot of people have a gym membership because it seemed a good idea at the time (I know I got my registration as part of my new year’s resolution!) but in the end almost never go. This is just wasting money.