12 daily habits that will save you money

Business Insider collected edition of Internet users tips on how to save with the help of simple habits. Among them were unusual solutions such as mathematics lessons in the store and the rules of the five questions.

If we add a small daily expenses, for the year then typed a decent amount. Members Quora site shared their experience as little lifestyle changes, to save money.

1. Remember the difference between saving money and percentages

5% discount on the product value of 10 thousand dollars is not the same, that 5% of $ 10. But our brains are used to simplify everything and can not notice the difference. So says economist and programmer Jaap Bel (Jaap Weel).

Having studied behavioral economics, I became less worried about saving 20 cents on the spaghetti, but spent a lot of time to a good deal when buying a car. And yet I see people who spend a lot of time clipping grocery coupons, but never think about how to move to a cheaper apartment.

Jap Wiel

2. Do something for yourself

You can have fun,

Things that I have mastered: the basics of plumbing works, interior painting, sewing, bicycle repair, cooking. I also would like to improve their construction skills and to understand the computer device.

Betsy Megas

3. Practice deferred pleasure

You go shopping, all of a sudden your heart skips a beat at the sight of some of the goods. This is love at first sight. And a reason to stay. He insists on this coach recruiter Angela (Angela Recruiter).

She recommends not to succumb to the first pulse and the return to the things you like and later check to see if your desire abated.

Ask yourself if this will make you happy by buying a month? And in a few months? Year, years?

Angela Recruiter

4. Do math while shopping

"Every time I go to buy something, I estimate, how to grow the amount of the purchase for five years at 10% per annum (this is a little more than 60%)", - recognized by Reu Mishra (Raghav Mishra).

If I want to buy something for a thousand dollars, then I ask myself: if I want this thing now, or 1600 dollars in five years? Depending on what I plan to spend the money - to the guitar, which I need, or a phone that is not needed - and I make a decision.

Reu Mishra

5. Do not waste your status

Stop hanging out with friends wasteful. If you love to ski - go ahead! But do not go for the whole Christmas week in Aspen, to wallow in luxury hotels. Travel to not the busiest time (and maybe not for a week), select a location and hotel cheaper. If you are a skier, you should not worry about a hot bath, and snow-covered slopes. So says the investor Terence Young (Terrence Yang).

6. Track your expenses and automate payments

User Colin Cahill (Colin Cahill) advises to use online banking all their cards to keep track of the money. He also recommends that activate the "Automatic payment." It is free and does not require any effort.

My landlord will automatically receive payment for the apartment 27 of each month. And I never have to think about it.

Colin Cahill

7. Prepare food in advance

by Zach Product Manager Patronage (Zach Shefska) believes that one of the easiest ways to save money and avoid stress - to prepare most meals the whole week.

I spend about two hours on Sunday to cook. And during the week I do not worry about what I want to eat, do not waste time waiting in queues and walking to restaurants. It's easy, simple and saves you money.

Zach patronage

8. Know when to invest in quality

Consultant Venkatesh Rao Management (Venkatesh Rao) to save sensibly recommends. He believes that one should not skimp on things that are frequently used, especially if they are related to your productivity. This includes knives, computer, bed or desk chair. In the long term these costs will justify itself.

9. Spend only the money

"Listen to your debit, not credit card (it lies)," - says Lee web developer Nguyen (Ly Nguyen). Credit cards make us think that you have the money when they are actually not. And before you know it already tangled up in debt.

If you already have debt on loans, your top priority - to get rid of him.

Lee Nguyen

10. Discontinue use after midnight

User Vennstrom Axel (Aksel Wannstrom) said that, while still a student, has set itself the rule: do not eat or drink anything except water after midnight. He just does not see the point in the food or drink when the body was supposed to sleep.

This strategy does not limit your experience or life in college and does not make be stingy. It simply reduces useless expenditure.

Axel Vennstrom

11. Use the rule of five questions

User Belavadi Prahalad (Belavadi Prahalad) offers a very simple tactic to economy. Before any purchase, he advises to ask yourself five questions:

1. This desire or necessity?
2. I need this?
3. I imagine that I use?
4. How often can I use it?
5. Is it worth my time?

12. Be content with what you have

Entrepreneur and management consultant Thomas Antunez (Thomas Antunez) calls to learn to love the things that you already have.

Even before the 35 years I had five Porsches and three Mercedes-Benz. This is the eight biggest mistakes I have ever made. And they were all related to my inability to be content with what I already had. Believe me, the race is not the possession of the victors.

Thomas Antunez

And what daily habits help you save? Share them in the comments.