As the year of 2018 started, we all planned to make some savings commitment in our New Year Resolution’s plan. If you are still not able to stay on your word, then you should make some changes in your life. These will be good for your future and will be essential for living a stress free life. Here are some of the tips which you need to follow right away. Let’s get started.
Leave your credit card at home
This pro tip works for me all the time! All you have to do is take limited cash with you whenever you leave your house. Plan your day accordingly and set the expenses which you need to spend on a day to day basis. On special occasions, such as shopping, count the things you want to buy. Take the appropriate amount of cash with you and this way, you won’t have to spend extra. Having your credit card with you all the time is a bad habit and will definitely make you cross your budget. Credit cards are a threat to your savings plan, so do think about it.
Always clear off your dues
First of all, priorities matter. When that monthly salary gets credited to your account, you need to see which things are the most important to spend money on. If you want to ease off the pressure on your mind, then always pay off your creditors. Pay your monthly bills and any subscriptions, which you have subscribed to. Now if there are any fees which are liable to you, clear that as well. The money, which is left afterwards will be your reward. Now you can make any new purchases and spend the money on your favorite things.
Make a habit of using a coupon
Majority of the customers today, shop online. This has become a common routine, and most of the time there are discounts offered for the online user. If you never want to miss a hot discount on your favorite brand, then you need to choose a specific platform. My experience with coupon and cashback websites has been positive. Back when I had no knowledge of savvy shopping tips, I used to do crazy searching on Google, but now I have put my trust on few reliable websites. These include Retailmenot.com, MyFirstSaving.com, Cartincoupon.com and Ebates.com. They have acted as a constant soul mate for me and helped me save big on almost all the items I wanted to purchase!
Note: You can always compare and check which coupon to use and all of the above websites update their deals regularly.
Save money on food
When I kept track of my monthly expenses, I noticed that most of it included food expenses. If you work in a 9 to 5 job, then you need to plan out your daily lunch. Eating out every time will affect your health and will also cost more. Therefore, you can take some time out and prepare a brown bag for yourself. Buy some groceries at the start of the week and search for delicious recipes. Utilize vegetables and fruits in your daily nutrition. Occasionally, you can treat yourself and order a pizza! While eating out, make sure to search for restaurants which offer discounts or have minimal prices.
In the journey to save money, don’t forget to pamper yourself and take some alone time. If you religiously follow the above rules, then life will become easier for you.