You need to save, but you don’t know how? Although you have a stable and reasonable income, you still lack money at the end of the month. We will not make you rich, but we will help to find “holes” where money is wasted.
Family Budget Overview
It is not possible to save if you do not know your monthly income but mainly your expenses. Look at them properly and divide them into:
Necessary : these are the ones you need for a normal and normal household operation (rent and energy, commuting, food and medicine, school fees, …)
Others : costs that can be omitted without affection and will not affect your basic household (cinema tickets, restaurant visits, new fashion branded shoes, sea holiday, …)
When you deduct expenses from your income, you should get a positive result – then it’s fine if you put aside what’s left for the worse times for “Uncle of the Event . “
“If you are in negative numbers, then it means you are getting thinner savings if you have any. Otherwise, you’re probably already in debt. It is not ideal to deal with regular spending by loan. So you just delay the problem, but don’t solve it, ”says Good Finance’s financial specialist.
Diet and shopping list
Maybe it sounds awful, but these two things should become your normal helper. Although it will cost a little time and effort, but the result will be that in the basket unnecessary unnecessary and in the refrigerator will not spoil food that you do not consume.
Write down what you want in the week and cook on the weekend . And just make a purchase exactly, the ideal frequency of more shopping is once or twice a week. Leave out unplanned trips for small things, you might even take “something extra”. Go to the store – you can resist various attractions.
For even more savings, go through the discount flyers . There are also a number of benchmarking sites where you can find big chain prizes. And we’ll add one more marketing trick: look at the merchandise on the lower and upper shelves. It is common practice that the most expensive goods are at eye level.
According to the Good Finance, we spend around 18% of the budget on food and it looks like this:
Home-cooked food versus semi-finished products and restaurants
Do you like coffee or dinner with friends? And at lunchtime, do you still jump into a restaurant or dining room? To save your budget a little more, avoid these “pleasures” as much as possible. At least a few times a week prepare lunch for work at home . It is not as comfortable as when you get the finished meal under your nose, but it is economical. In addition, when cooking at home, you know exactly what you have added to the meal and can prepare it to your liking.
Don’t be afraid to cook in bulk and freeze the surpluses. You will save both your energy and what you need for cooking. It is ideal to cook in a pressure cooker, or at least in a pot with a lid.
Learn how to turn off and do not heat unnecessarily
No one is surprised that wasting energy climbs into money. Therefore, turn off immediately and teach family members. Do not shine unnecessarily. If you have ‘historical’ incandescent bulbs at home, replace them with those that are economical.
The same is true for appliances – if you are buying a new piece, try to invest a little more in a higher quality and reliable one, which also has a label with a power consumption of at least A or better.
“Rather than investing in a new phone model or a larger TV, invest in something you really need at home. You can also save money on an efficient fridge, washing machine or dishwasher. Don’t buy what you can’t afford, but if you lack some money, such a loan can be considered reasonable, ”says Good Lender.
As for the heat of the home, it is not a tropical flat or house. Focus on economic heating and save. It shouldn’t happen that you go to sleep and there is a bucket in the bedroom while you have an icicle on your nose during the day. Moreover, each level plays a big role, it means increasing consumption by about 6%, which will certainly not please you!
Not only electricity, heating, but also water can be saved. Do you get taps or toilets? Fix them. You will lose up to 24 liters a day from the tap and even up to 2000 liters a day from the running toilet! Hundreds of crowns can pass through the channel unnecessarily every year.
The next step is to reduce bathing (the average bath can hold about 190 liters of water) – take a shower for as long as necessary (about 60 liters of water ). Also close your teeth when cleaning your teeth, saving up to 10 liters of water.