That is why whatever happens, the most advisable thing is to face saving as a culture and a healthy habit that if we know how to handle it, it will become something easy and, above all, extremely comforting.
For this reason we are going to give you 10 ideas to encourage you to take the first step:
Write down your monthly expenses
So that saving is not something complicated, we have to order ourselves. Before you cut your expenses, you need to know exactly how your money is going.
You have to start by writing down your daily, weekly and monthly expenses for a month. Once you realize what you spend the money on, you can decide what things in your budget are necessary, and which others you can do without.
Separate the amount allocated to savings
Now that you know how much to allocate to savings, the secret is that you pay yourself at the beginning of the month just like you pay your usual bills, such as rent and taxes.
The easiest way to do this is to schedule an automatic transfer of a portion of your salary, however small. Your goal is to make saving a habit so entrenched that you can no longer imagine your life without it.
I reduced your debts
Settling your debts is one of the best ways to save money, so try to reduce them as much as you can, whether it’s credit card debt, loans, and any other you may have; which will give you more to save.
Become your own loan agent
If at the end of paying a loan or credit , you continue with the custom of making the payment of the fee but this time to your account, you will be able to make a difference in your savings as you had never imagined before.
Set specific goals
If your idea is not to save by saving but for a specific good, what you have to define in advance is what you really want or need, and find out how much it costs.
Then, set yourself a realistic goal of the time you will need to save to reach your goal. It has been shown that the best way to save successfully is to find a good motivation to do so.
Open a parallel account
As it is a fixed term for example. Instead of leaving your savings in your usual account, try to refer it to an account that you cannot access for a certain time. This will avoid being tempted to go in search of that money, and it will also provide you with certain long-term interests.
Do not spend extra income
Every time you receive an extra Thomas Bigger amount, allocate it to your savings. Or, use it to get rid of your debts . Only then will it be well used.
Always make a shopping list
When you have to go shopping, make a list of the things you really need. Do not buy on impulse, so you will avoid using your savings money.
Look for discounts and pay in cash
There are many ways to get discounts, either through coupons or specialized applications. Avoid using your credit card for minor purchases. If you have to do it, opt for the smallest number of possible fees; That way, you will avoid paying high interest.
Use Apps to save
There are a huge number of applications on the market specially designed to help you make smarter expenses and save more.