14 Amazing Places Where You Can Cut Your Budget
When you have established your spending budget, and you have
reached the optimization of your money, and you probably ask yourself Where can
I save more money? It is when we can become more daring and daring with that,
because this trip to Financial Security, the more we achieve, the more we want
to achieve. In my case, after cutting into the most “obvious” things in my
budget and after talking to my financial consultant, I was able to get 14
places that perhaps apply to your daily life:
1. Interest Rates: You
may be surprised to know this, but calling the bank to get a lower interest
rate is not far-fetched. You can also transfer your credit card statements to
another credit card with offers ranging from 3 to 6 months without interest:
this means that if you move the credit from one bank to another, you would have
months of grace to pay the balance (very convenient when you are doing the
snowball effect to end this financial burden). No one knows this better thanyour accountant.
2. Dining Out:
You don't have to cut it out completely, but come on: Eating out every weekend
is not going to help with your finances. Very simple $ 50 for dinner X 52 weeks
is $ 2,600 for meals, not counting wine or desserts.
3. Food in the
Supermarket: Buy when you can generic brands from the supermarket (such as
ARO, Farmatodo, Publix, Whole Foods etc). Limit your visits to the supermarket
to one per week, to avoid spending on unnecessary things. Also avoid going to
the supermarket hungry (the brain works in such a way that it will make you buy
more food).
4. Medicines: Buy
generic medicines, exercise to stay healthy.
5. Pets: I think
you will be happier playing with him at home than buying a new toy that will
look old in a couple of days, or buying expensive dog biscuits. Limit
"pampering" to your pet.
6. Transportation:
My Dutch friends love to use bicycles for their daily tasks. You can try going
to work with several friends (I tried several years ago, make sure to comply
with the schedules agreed between you), take the bus or subway to do some of
your errands, so you save on gas and parking the car.
7. Liquor: It
does not ask them to stop drinking their wine at dinner, or to have a beer on a
hot day, but you can change brands to less expensive ones. Don't worry, I also
can't tell a 21-year-old from a 12-year-old whiskey;).
8. Electricityd:
Disconnect your computer when you stop using it; turn off the A / C when you
leave your house; increase the temperature by a degree or two. If it is cold in
your area, lower the temperature and bundle up with a blanket or sweater.
9. Telephone :
how many times do we think we have the best plan for us, but then we realize
that a better offer comes out. We can go back to the phone operator and
negotiate a change of plans. I have a prepaid phone and I apply a budget of $
40 / month and I have plenty of time to talk. Note: I use Skype for long
distance calls (another $ 20 / month), and I use text messages that are sent
over the internet and reach the cell phone of the person in the other country.
To be honest I did not know this until I read an article on saving by money by
an accounting firm.
10. Gifts: The
next time you get an offer of "Buy 2 and the third is free" take
advantage and buy it for gifts. Some already know what my position is regarding
gifts: it is preferable to give your time with your friends, share a dinner at
home, than give something that nobody uses or that can be forgotten the next
day. The moments we spend with our friends are the ones that are carried to
death, not the gifts.
11. Rent:
Negotiate with the owner of your condo, if you have been a good tenant and have
paid on time, I assure you that you will prefer to earn a little less, to lose
a good tenant and have another that is disastrous.
12. Food: Buy the
products you can in boxes at wholesale stores, and store them in portions. In
my house we place the meat and chicken in plastic sealed bags, with what is
necessary for each meal. It is practical, we have the measure of what we eat
and it is easier to organize in the refrigerator.
13. Exercises:
Give up that gym membership that you only use sometimes, and find cheaper ways
to exercise. Organize a football game in your office, or have a long run, buy
yourself some DVDs of Jane Fonda or any exercise and you can see them every
day.
14. Laundry: Hand
wash delicate things to lower the number of loads in your washing machine. Air
dry to reduce or eliminate washer consumption, or to save coins. It may not
seem like much but if you take it to a year, it is enough electricity and / or
money.
