As they say, MONEY doesn't grow on trees. Might as well, save our hard-earned money first and enjoy life's pleasures after. That way, it's keeping the balance of a work-life equilibrium. Besides, nothing feels great after spending on something essential and expensive with our hard-earned cash. So, let's continue to be thrifty and follow these life hacks to save money effectively and easily at the same time. Read on and enjoy my money hacks.
TIPS: How to Save Money Easily
Just remember this. It's NOT the amount of income that truly matters but the amount of savings one can keep regularly.
TIP # 1 : Plan a NO Spending Day
That means literal by itself. You can go on with your life if you actually don't spend or buy anything for a day. I don't mean harm here. Aside from the daily essentials like food, transportation and the like, I clearly focus on sparing our precious money NOT to be spent on just anything especially if it's just by IMPULSE and something unplanned.
* No spending day can be practice once a week or so. It all depends on you.
TIP # 2 Stay Away from Places You Can Shop
Oh yes, we have been victims here one way or another especially us, girls. Unbelievable but if you think about it deeply, usually our senses of sight, touch and taste do deceive us. Like for example, the main purpose of just going to a mall is ONLY to withdraw money from our paycheck. Then while walking around, you see many beautiful things that catch your attention like foods, accessories, discounted stuffs and so on. Instead of just withdrawing money, you tend to buy this and that. If you think about it, they are just unnecessary spending.
MY RULE: If you can't resist temptation like beautiful things, then might as well don't be in those places. It's always a win-win situation.
TIP # 3 Plan Ahead for Birthdays and Special Events
Things always end up great and successful if they are seamlessly planned and organized. Think about it, planning and organizing for special events in our lives is always a good trait to sharpen our skills. I mean we learn to be decisive, resourceful and thoughtful all at the same time. We can weigh things which are less expensive, more convenient and make some DIY if the situation demands us to.
Planning ahead also gives us the luxury to save money first for that event as well. It works effectively because the thought of planning itself is already a stimulus to actually save.
MY RULE : Doing things on the last minute always wastes money and sometimes turn into a disaster. If you have time, plan for it.
TIP # 4 Plan a weekly budget and write down expenses on a daily basis
I believe that doing this thing like budgeting always makes a person wiser and smarter. It's a matter of being flexible and focus more on the essentials first before anything else. Also, writing down the expenses makes us easier to track down which ones require a higher budget and makes us fully aware if we do spend way too much at times.
TIP # 5 Bring enough cash when you go out.
Whenever you go out, ONLY bring enough cash with you. If possible, leave your credit cards and cash cards at home. As you can see, you already limit yourself by doing such action already. That kind of mindset also gives a signal to our brain as to how much / how little you are only capable of spending for that instant. I guess, we can never be able to spend if we don't have enough resources, right? ^ ^
TIP # 6 Set up an auto-saving method
That means after you receive you paycheck, automatically deduct 5% - 10% from that. That way, thinking that the money gets lesser already, also it gives us a kind of consciousness that we just have to make use of what's left only. Again, it doesn't even feel like we're saving but we actually are already. Just don't mind this 5%- 10% deduction every time and you'll be surprised to know how it grows in a year or more. Instant savings that is.
TIP # 7 Organize what you have at home
You can clean your closet and just organize your home. This method makes us aware of the things we use. Easily, if some things are not used anymore, you can always sell them online. Plus, organizing things gives us this feeling that we have somewhat enough resources already so it lessens the urge to keep buying stuffs anymore. Wise trick, huh? Also, if you have good friends, you can always swap your clothes and make up with them. That way, it feels new and you forget about buying more things anymore.
TIP # 8 Wait To Buy
Patience is always a virtue. Yes, it also applies to saving money of course. Sometimes we buy things unplanned not because we need them but our mind tells us we want them. Patience indeed pays off especially if you wait a little bit longer and luckily, those things you want will be offered in discounted prices already. For online shopping scenario, just imagine this.First, put everything you want at that moment in your shopping cart, then after, sort them out like which ones you'll buy and not. Surprisingly, you won't buy most of them actually.
MY RULE : By being patient, it is a good training and you get to save and buy those that you only need. Hitting 2 birds with one stone.
TIP # 9 Stay Home Often and Go out Less
It may sound boring and uninteresting at first, right? However, it is a good training to actually focus on what you have at home and just be creative. My suggestions are you can always DIY, remake your favorite dish at home, invite friends for a karaoke sessions, drink and party at home and the list goes on. If you're creative enough, the internet will always teach us to maximize what we have without sacrificing the fun of actually going out.
TIP # 10 Buy What You ONLY Need
Yes, simple rule but sometimes it's hard to follow. Definitely, you can sometimes break the rules to spice things up. Like for example, after hitting your goals like paying the essentials and bills in a month, kept some for savings and still there are some extra cash left? Splurge a little bit then. That way, the balance goes on smoothly without that guilt of spending some cash and worrying later of paying it. That always doesn't sound good to me.
MY RULE : Focus on the things that matter and reward yourself once in awhile.
Yes! I've done them all and so can you. A good life can always comes easy if you are smart enough to distinguish the essential goods. It always feels better to be productive to work hard and save more.
That's it for me. Thank you for reading this entry. Let's all be wise and love life.
Till next time! ---Belle
No comments:
Post a Comment