![]() The information contained in this blog is based on personal experience and research and is intended to provide general guidance only. ![]() The author of this blog is not a licensed financial advisor and does not provide professional financial advice. You’ll be on your way to a healthier financial future and peace of mind.ĭisclaimer: The information provided in this blog is for informational purposes only and should not be taken as financial advice. It may take some effort to get started, but the benefits are worth it in the end. When you pay with cash, you’re more likely to think twice about a purchase because you can physically see the money leaving your wallet.īy following these simple tips, you can cut your monthly expenses and increase your savings. Using cash instead of credit cards can help you stay within your budget and avoid overspending. ![]() Try to ignore the chocolate bars and stick to your list! Use Cash Instead of Credit Cards Such as, having snack food near the counter, which encourages shoppers to make impulse buys when they are waiting at the checkout. Supermarkets are clever with where they place items. To avoid impulse buying, make a list of what you need before you go shopping, and stick to it. Impulse purchases can add up quickly and derail your budget. Or speak with friends and family, as you may be able to share your trips to work or on the school run. Facebook groups are a great way to meet people in your area to organise carpools. If you drive to work, consider carpooling, taking public transportation, or riding your bike to save money on gas and maintenance costs. You could take a look at what streaming service you watch the least and make a cut. Consider cutting back on the number of channels you subscribe to, or look into alternative streaming services that offer a similar experience for a fraction of the cost. TV or streaming service bills can be a significant monthly expense if you have many. Many supermarkets have a great reduce sections, where you can pick up perfectly good meat and vegetables at a reduced rate. Comparison shop, use coupons, and look for sales and discounts to save money. Whether you’re buying groceries or making a big purchase, it’s important to be a savvy shopper. You could take shorter showers and less frequent baths. This can be done by turning off lights when you leave a room, unplugging electronics when not in use, and setting your thermostat to a more energy-efficient temperature. One of the easiest ways to save money each month is by reducing your energy costs, such as your water, gas and electricity bills. ![]() Here are some to get you started from Instagram that include some great budget friendly receipes: There are many websites or social media accounts dedicated to recipes. Instead of dining out, try cooking more meals at home or bringing your lunch to work. Cut Back on Eating OutĮating out can be a major drain on your budget and can add up to a lot money over a month. By tracking your income and expenses, you can see exactly where your money is going and make adjustments as needed. ![]() A budget is a critical tool for tracking your spending and identifying areas where you can cut back. ![]()
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