20 habits that will help to avoid unreasonable expenditure
Get Rich / / December 20, 2019
1. Keep a record of your spending
Capture your expenses and analyze them. You will surely see that part of the income is spent on nonsense, without even noticing. This is the first piece of advice you hear from any financial advisor. The account of their income and expenses can be carried out in the usual table on the computer, in a paper notebook or one of the special applications (for example, Mint, You Need a Budget or LearnVest).
2. cook at home
Bills for lunch and dinner in the cafe are accumulated very quickly. Therefore, the more you cook at home, the better for your budget. In addition, home-cooked meal is often more useful than the one that is fed to the point of catering.
Over the weekend, try to make the workpiece to several days ahead, so you can put them in a container and take with you to work. Also think about purchasing Multivarki. Cooking time will go much lower, and the diet becomes more varied.
3. Go to the shop on a full stomach
Before going to the supermarket how to bite. It would seem that this such - go hungry for food? But, believe me, this is a very expensive habit. Everything (especially fast food) starts to look very attractive, and you rush to put in the cart everything, including the absolutely unnecessary things. Therefore go to the store only when you do not feel hunger. And your budget and your waistline will thank you for it.
4. Less often go shopping
The less time you spend in the shops, the less you spend money. Remember your last trip to the store. You buy only those things that really needed, or is it to spend a little longer than planned? Maybe you bought some lovely, but absolutely useless little thing just because discount It was too good?
This happens. The store is difficult to resist the temptation. So try to go there often. Ideally, it can be purchased on a month in advance, and then running too only for the fact that is not stored for a long time: to buy bread or milk products. But start small. For example, if you are used to going to the store three times a week, try to go once this week. Gradually you will be able to reduce that number to a minimum.
5. Withdraw money only from ATMs of your bank
Sometimes too lazy to go to a quarter of its ATMs. Or for using another bank's ATM Commission it does not seem too big. But such small expenses add up to a decent amount. Therefore, the easiest way to avoid extra charges - always use an ATM, on which stands the logo of your bank.
6. Stop buying coffee every day
David Bach (David Bach) in his book "Millionaire - automatically"I coined the term" latte factor. " Its essence lies in the fact that many are spending about 200 rubles in the coffee shop each morning. It is possible to abandon the unnecessary habits and save about 1400 rubles a week, and this is 5600 rubles per month.
Instead of disappearing for days at Starbucks, buy a home, the bank excellent coffee, even expensive. In the long term, this investment will pay off well, and the drink will bring pleasure not less than the most fashionable coffee shop.
Note that the Latte Factor is not just coffee. You can buy every day the same roll, smoothies or soda. And if you notice a tendency for mindlessly spend a couple of hundred rubles each day, try to save the money.
7. Automate your finances
Most bills can now be paid online, and in many companies provided the opportunity to make payments automatically. Try to automate their regular monthly payments, such as the telephone and Internet. In the first place, not to forget about them and at the crucial moment is not to remain without the Internet, and secondly, not to think about it each month.
The same can be done for non-permanent costs. For example, part of the salary immediately transferred to your account, thus putting money on a big purchase, or in the event of an emergency.
8. Go to cash
Studies show that people spend more when constantly pay cards, not cash. So, if you want to curb your spending, get back to the good old paper money.
Diet "only cash" is very simple: you get rid of plastic, defining how much money you can spend for a certain period of time, and for all pay with cash only. When you run out of the allocated funds, will have to wait until the next period.
Instead of blindly use the card, you can decide each time, it is worth spending money on something or not. And you will see when the bills in your wallet diminished and should limit themselves.
9. Cancel subscriptions that you do not use 100%, and in fact Spend
Give up all default subscriptions: magazines, cable, gym. And only buy what you really need at that particular moment. Instead of paying for hundreds of channels that you never watch, buy the iTunes episodes of favorite series. Pay a visit to the gym every time you're going to get.
This method works for three reasons: you cease to pay, start thinking about your spending and put more value on what you pay for.
10. Seriously discuss spending with your spouse / wife
You can have any number of cost-effective, but if your significant other does not support your financial plan, you can hardly expect success. Therefore, learn to discuss personal finance, together budget planning and control costs.
Each pair must be able to talk openly about money. And this conversation is not no one for you to hold. Finance should be a priority for both, so you have to compromise and negotiate.
11. Do not buy products advertised
It is better to take the most ordinary. It is necessary to define its priorities. You will not always be able to buy only the best (and the brand - it's not always an indicator of quality). Expensive products from well-known manufacturers can strike at your budget.
On what can you save? On personal care products, food, home clothes, pet supplies. Think about that for you is really important, and what you're willing to sacrifice.
12. Buy less meat
Less meat - less check in the store. Instead of it in your favorite foods, try adding beans or vegetables - get tasty. No, we do not encourage you to rush to extremes and move to strict vegetarianism. If you are a big fan of meat, arrange a one meatless day a week. Even this small step will save you.
13. Enter the day without spending
Challenge yourself and try to spend one day a week without spending a penny. This will teach you to treat the money more consciously and help you understand that you can feel quite comfortable without spending money. Instead downtrodden public transportation - walk instead of dinner at an expensive cafe - personally cooked meal.
Of course, it will not work without expenditures (you will anyway pay rent or cooking of products purchased in advance). But these costs will not be taken into account. Just spend a day without ever opening the wallet. This is for you quite a force.
14. Buy seasonal produce
Often, buying time is much more important place. Seasonal fruits and vegetables are not only cheaper, but also on their own tastes. For example, in the winter cucumbers and tomatoes are astronomical money, and in summer the price tag becomes much nicer. So try to make a schedule for yourself, at what time it is worth buying.
15. Give up fast food
You are only hurting yourself (and your wallet) if you constantly snack eatery. As an alternative, we recommend to start to prepare their own meals and take home to work. Will not only cheaper, but also useful.
16. Communicate with people who you admire
To become rich, not necessarily fuss over every penny. It has a better idea: surround yourself with talented people who share your views and to inspire further action. As they say, one head is good, two is better. You'll reach for those who are superior to you in some way, and you will do to get better.
17. Unplug all electronics when not using it
The family owns an average of 24 appliances and gadgets. You're wasting electricity when they are simply connected to the network (even if you do not use them). Overpayment for the year comes out decent. How not to forget to turn off all? Simply connect all the chargers into a power strip and turn it off before going to bed.
18. Do not fill his cabinet with unnecessary things
buy a new clothes? Without regret part with the old: give, give to charity, unsuitable simply carry the trash. So you can get rid of the tendency to gain in stores unnecessary things like stop after the first publication.
19. Communicate with neighbors
Neighbors can be your peers in matters of economy. Lend each other things, let's rent, organize joint purchases. So you can not only save some money, but also to build relationships. Believe me, to live in a house with friendly neighbors is much nicer.
20. Pay now to save later
Miser pays twice. Some issues to save bad. For example, you are old, windswept windows, and so during the cold season you have a huge heating bills. Make it a rule not to save on the important things.