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17 Easy Budget Tips to Save Money

17 Easy Budget Tips to Save Money

Are you often short on cash and do you not know how you can save more money? Then read the 17 easy budget tips below and make sure you don't have to worry about saving even more money.

1. Get a bottle of cleaning vinegar at home. Vinegar is good against limescale, foul odors and it also seems to help against athlete's foot.

2. Swap one or more scents with your friends. If you've been using one scent for some time, you'll want to use another scent. By exchanging a scent, you don't have to spend money on expensive scents and you smell nice and different. Nice swap deal, right?

3. Get your fruits and vegetables on the market. Market prices are significantly lower than supermarket prices.

4. Compare items you want to buy online. If you have seen an (expensive) product in the store, first look on the internet to see if you can buy it cheaper.

5. Set savings goals. In this way you provide some extra reserves and you can spend this money on unforeseen expenses or a nice holiday of course. Earlier we wrote how to set savings goals.

6. Cancel newspaper and magazine subscriptions. It is much cheaper (and even free) to check the news online.

7. Make sure you know what your fixed costs are. This way you have a good and clear overview of your finances. Via my free fixed costs Excel file you will find out in one go what your fixed costs are, all in a handy overview.

8. Take a snack with you when you go into the city , so that you can not be tempted by all kinds of tasty snacks.

9. Have a fleece blanket or blanket in the house. Take this in the evening when it gets a bit cooler and leave the heating off as long as possible.

10. Pick up mainly the house brands in a supermarket, both at the AH and at other supermarkets there are plenty of cheaper and tasty products to be found than those expensive A-brands.

11. Know your income and expenses. Enter your fixed expenses and income in our free Excel sheet and see how much money you can save or lack.

12. Do your shopping less often during the week and limit getting your groceries to 1 or 2 times a week. This ensures that you have fewer snacks and other tasty snacks at home. Another good budget tip: make a weekly menu to save a lot of money on groceries.

13. Buy your winter clothes a little later in the year. The later you buy your winter clothes, the greater the chance that that nice coat is on sale. This also applies to buying your summer clothes, the closer to summer you buy your summer clothes the cheaper it gets. Clothing is also cheaper to get by looking at discount codes.

14. Halve the meat and double the vegetables with the meal.

15. Drive 80 kilometers in fifth gear. By driving less fast on the highway, you save about 10 to 15% in fuel costs if you drive according to the new way of driving.

16. Do you still buy expensive detergent bottles? Then easily make your own detergent yourself and save many tens of euros per person per year.

17. Use a shower coach. This ensures that you, your partner and your children are not in the shower for too long. Earlier we wrote an article about how to make your children shower shorter.

8 Tips to Save Energy in the Summer

8 Tips to Save Energy in the Summer

When we think of saving energy, we mainly think of winter. But you can also save energy in the summer. These summer tips will help you with that.

Keep the house cool

It is best to keep the sun out of your home as much as possible. It may seem uninviting, but by leaving the sun protection (shades or curtains) down during the day, your house will heat up much less. Close your windows and doors during the day and only open them when it is cooler outside than inside.

Use nature or a fan, but no air conditioning

It is often cooler in the evening, at night and early in the morning, so feel free to open a number of windows or doors against each other.

Do you still need extra cooling at home? Then opt for a fan instead of air conditioning. The use of an air conditioner is considerably more expensive than a fan and that easily saves a few tens per year.

Dry your laundry outside

You may use a clothes dryer in the winter. But in the summer you can also use the natural drying sources: the wind and the sun. A rotary dryer in the garden or a clothes rack on the balcony is a free clothes dryer.

Spray the garden with rainwater

Every year we water our garden with hundreds of liters of drinking water. Of course, your garden needs water in the summer. How do you prevent a dried out garden, but do you water as budget-friendly as possible? Use a rain barrel to collect rainwater!

A rain barrel can save hundreds of liters of water every year. In the Netherlands, 1 out of 6 garden owners already collects garden water from the rain barrel (source: Milieu Centraal ). Is there a swimming pool in the garden for your (grand)children? Then you can also reuse that water to water the lawn.

Get rid of the (possible) extra fridge

Some families have an old refrigerator in the shed for ice cream, beer or frozen products. However, that second refrigerator is often an old creature and consumes a lot of energy unnecessarily. On average, a second refrigerator consumes tens of euros of electricity per year, but if the refrigerator is older and less efficient, that amount quickly increases.

Use solar garden lighting

Cozy in the garden in the evening, but not sitting in the dark? Use solar powered garden lighting. The lamps can soak up the sun all day, so you can sit in a lit garden in the evening. This also saves you having to extend power cables to the garden.

Turn your heating off or on summer mode

With the thermostat set to summer mode, you prevent the heating from starting at times when it is slightly cooler in the house, for example if you open the windows and doors in the morning or in the evening. A shame if the thermostat sees that as a signal to start heating – especially in the summer!

Turn off devices

Devices that are continuously on give off heat in the house. For example, think of laptops, lamps and (game) computers. Cooking also makes the house warmer, so opt for a fresh salad instead of a hot meal in hot weather.

Practical and Smart Saving Tips

Practical and Smart Saving Tips

Groceries, snacks, (online) shopping. Many small expenses can add up to save a lot of money, which you might be able to save if you think about it a little more. Do I really need this? Could this be cheaper? These tips help.

Keeping up is saving
How much did you spend on groceries in the past week? How much did you spend on small purchases here and there? And what were your expenses on clothes or shoes? Chances are you don't know this exactly.

Keeping track of your expenses is often the first step in saving. Unnoticed, we often spend more than we think. If you know where your is going, you can start budgeting and that gives you a grip on money.

Many online banking apps already sort your expenses into certain categories, such as groceries, clothing, and housing. But you can also write down your expenses in a cash book or notebook.

Savings tips for groceries
Shopping is a standard procedure. That's why we often don't think much about it, but groceries can be a major expense per month. You can save on this with some minor adjustments.

- Make a weekly schedule: determine what will be eaten per day and plan this for a few days or a week in advance. That saves time and save money. Get your weekly groceries at home once a week or at a fixed time. This way you don't have to go to the supermarket every day and you can't be tempted to buy extras.
- View the brochures (often also available online) of the supermarkets in your area. Determine the dishes for your weekly menu with products that are on sale at that moment.
- Offers can yield significant benefits. But that only applies to products that you also use in that quantity. So be careful not to stock up on too many (fresh) groceries, just because it is an offer. Products with a long shelf life such as coffee, detergents or care products (for example toothpaste or shampoo) always work.
- Make sure you have an easy meal, such as frozen pizza or leftovers, if you don't feel like cooking after a long (work) day. That is still cheaper than ordering food.
- Look at what you already have at home and often you arrive at a creative meal. Or regularly read a leftover day or plan a clean-up menu, where you empty your fridge, freezer and pantry and make a dish with it.
- Do not go shopping on an empty stomach. Trek makes you less resistant to temptations in the supermarket.
- Are the children coming? Agree in advance what you will and will not buy and what they may choose.
- In the supermarket, the more expensive brands are often at eye level. Just bending over or stretching can yield interesting savings.
- Do you still have a preference for a certain A-brand? Buy other products, which you care less about, or from the cheaper house brand.
- Water, tea and lemonade are cheaper than soft drinks and beer or wine.
- Prices on the market are in some cases lower. This can apply to foodstuffs, but also to personal care products, bicycle equipment or animal feed.
- Compare the prices. There are comparison or offer sites that can help you with this. Compare, for example, the price per kilo or per liter of certain products. Only then will you know whether one brand is more expensive than another.
- You also save by wasting as little as possible. Visit the Milieu Centraal website for more tips.

Shop and consume
- Small, recurring expenses can add up. Think of the daily coffee-to-go or the bag of liquorice at the gas station. The effect of the 'unnoticed leakage' of money is called the Latte factor.
- Think consciously about a purchase. Sleep on it. If you shop online, put the product in your shopping cart and see if you still want it the next day. And if you see something appealing that's beyond your budget, think about what needs to give way. Make choices: or and not and.
- Sharing is becoming more common. Think, for example, of sharing tools with neighbors or family, exchanging products (such as clothing exchange) or sharing systems for cars and books. There are several local exchange groups on social media. See also: alternatives to buying .
- Search social media for giveaway corners or local groups with free pick-up items. Also consider Marketplace.
- Wait for the sale or buy in the 'wrong' season: many party items are on sale after Christmas and camping equipment after the summer holidays. - Don't want to spend more than a certain amount? Set a budget in advance and keep it.
- Save the receipts: smart exchange is better than unused.
- Do not automatically opt for new or expensive: you may also be able to work with second-hand or a cheaper brand. Or visit the discount drugstore or thrift store.
- In addition to (e-)books, you can also borrow audio books, read magazines and more in the library. Young people up to the age of 18 are free members.
- To play sports? First, think about how much you will actually exercise. Unlimited sounds appealing, but if you're going low, a different plan may be cheaper. There are also countless (online) programs on YouTube and running or exercising outside costs nothing, except sports shoes.
- Do you have any coupons or gifts at home? If you've run into bargains throughout the year, you'll have some in store for birthdays or holidays.

7 Handy Saving Tips to Make It Easier to Save

7 Handy Saving Tips to Make It Easier to Save

Some are better at saving than others. Maybe you think this has to do with your character mainly? No, the opposite is true. Behavioral experts show that saving is mainly related to behaviour. And you can do something about that yourself. The good thing is, it's easier than you think. With a concrete goal, you also succeed in putting money aside. Here are 7 tips to make sure you meet your savings goals.

1. Save for a specific goal

Think of a specific goal to save for. Because that way you are much more motivated to keep saving. And especially if it's something to look forward to, such as a vacation or a new kitchen. The closer you get to your goal amount, the more fun it gets! These are common savings goals:

A vacation
Buying your first home
Major expenses, such as a car or a renovation
Study costs of your child(ren)
Extra repayments on your mortgage
Supplementary pension
Many people also save to have a buffer for unexpected larger expenses. That is not as concrete as the savings goals above, but just as important. How much you need as a buffer depends on your own situation. You can calculate it with Nibud 's Buffer Calculator.

2. Decide how much you save

Well, how much should you then save? It becomes much easier when you know what you are saving for. Because your savings goal determines approximately how much money you need. Furthermore, your income and expenses determine how much you can save each month and how quickly you reach your savings goal. So make sure you gain insight into what you spend per month.

Do you already have an overview of your expenses? If not, look back at least three months in internet banking. And calculate how much you spend on average on fixed costs and other expenses. This way you can see how much you can save.

You can go even further by figuring out which expenses you can cut. Read also how someone else approached this in our article Muriël Kneepkens saves on almost everything. You can also save a lot on small amounts. Just add up what you spend on coffee, a sandwich or other small expenses outside the home.

3. Choose a starting moment for saving

New Year's resolutions have the best chance of success when you start at a special moment. For example, at the start of a new year, on your birthday or at the start of a new academic year. It could also be a new week. Scientists call this the fresh start effect. Put your start time in your calendar. Or completely right: immediately set an amount that you will automatically save from your start date!

4. Save first, then spend

Most of us get paychecks at the end of the month. Transfer the savings amount immediately after you have received your salary or another form of income. With this you follow the advice of the world famous billionaire Warren Buffet: “Don't save what is left after spending; instead spend what is left after saving.” Loosely translated, it means that you first put your savings aside. And from the amount that is left, you spend it. Of course, that only works if you have correctly calculated how much you can save. Because you should have enough left over for expenses that are really needed. And to live a little pleasantly.

5. Make saving easy

Start saving automatically. Preferably do this every month just after you have received your salary. Automatic saving is one of the tips of the NIBUD to save unnoticed. Transfer a fixed amount to your savings account every month via direct debit. It's a job once, which you enjoy for a long time.

6. Make saving fun

If you make saving for yourself fun, then you better stick with it. This can be done in different ways, so choose one that suits you. For example, you can transfer the money you save on shopping thanks to discounts to your savings account. Or take a habit you want to get rid of. Agree a fine with yourself if you fall back into your (bad) habit. That fine goes to your savings account of course! It can also help to create a savings plan with friends at the same time. This can be for a common goal, but it doesn't have to be. You can even make it a competition: who will save much money as possible.

7. Extra income? Increase your savings amount

Are you getting extra income that you didn't count on? Do not spend that money, but put it away in your savings account. For example, a salary increase, your holiday pay , 13th month or if you receive money back from your energy company. Even if there are no expenses, you can transfer those amounts to your savings account.

10 Tips to Save Your First €100,000

10 Tips to Save Your First €100,000

Saving the first $100,000 is the hardest. Once you have that, mechanisms kick in so that save your money will grow rapidly. But how do you get that first huge amount together? Here are ten tips that have helped us tremendously. This article was written by Renée Lamboo on December 1, 2018. Renée Lamboo writes about her own money choices and those of others. She wrote a number of stories about money matters for Rabobank. Be inspired and take your next step towards a financially healthier life.

Reach the magic point with 10 saving tips
It's been a while since we reached that magical point.€100,000. I still remember it like it was yesterday. This sounds very dramatic, but it was quite something. For years we had had that goal in mind. €100,000 in our savings account. A ton. An amount that would change the rest of our lives and that I secretly thought would never be feasible. But when we started calculating, it turned out to be possible. Two incomes, not too high fixed costs. And above all, a lot of motivation to achieve that goal. The latter was the main reason it worked. We both wanted it to work and saw the impact it could have on our lives. We could use it for a house to buy and therefore never have fixed costs again. We never had to borrow money again when life was against us. We could use the investment and the proceeds to (partly) live on.

In the end, it took us about four years. From the moment we decided: this is what we're going for, to the point that it was really on our bill. Raising the first $100,000 is the hardest, they say. After that, the money will work for you, as they call it. Especially when you get a little return on it. That return is not so good on a savings account, but you can also invest with it, for example. Note to self: only if you don't need the money now and in the near future, of course. Not only do you generally achieve a better return, but by not withdrawing your income but investing it again, the yield suddenly starts to grow very fast. They call it the eighth wonder of the world. Return on return. Do you understand?

1. Get around the table and make a mood board

Yes, gentlemen among us, you heard it right. And no, that's not boring. A mood board. This is really step one on the way to that $100,000. In the middle of the paper you chalk that target amount with a thick marker, around it you write words and paste pictures that you associate with achieving this goal. Whatever it is. Visualize it. Go see it literally in front of you. And hang the result of your crafting in the house. In a place where you at least see it every day. Do this together, if you have a partner. Even if you think making a mood board is boring. I promise it will help you.

2. Stop finding money complicated

Many people find everything that has to do with money difficult and complicated. So they quit. Money is simply part of life. It's just a matter of addition and subtraction. Okay, and sometimes a little bit of sharing. It doesn't get much more difficult. Keep seeing it that way. If you want to save $100,000, you will have to spend less than you earn. Finished. It is not more difficult.

3. Save automatically

If I saved what was left at the end of the month, I would still have an empty savings account. Yes, also with me, that account is almost always empty at the end of the month. If you know what your costs are in a month, you also know approximately how much you can save. So as soon as your money is in, you put that money in a savings account. Save first, spend second. You can now automatically save, so that your bank automatically transfers it to your savings account on a certain date.

4. Take your time

More haste less speed. Jak, what a cliche, but it's true. Of course you would rather reach your goal today than tomorrow, but most people don't have €100,000 together overnight. Set realistic goals. We actually had no time frame in mind. We saved as much as we could and saw our net worth growing, which made us excited to move on. Saving is not a sprint, it is an endurance run. If you start too hard, you won't last.

5. Don't think of yourself as pathetic so easily

Cutting back on your expenses is part of saving. And that doesn't mean you have to sit by the fireplace next to a pack of cheap wine on Saturday evenings from now on in a thick sweater. It does mean that you forgo those senseless impulse purchases. You don't miss anything, because research has shown for years that they are not going to make you happier. Keep in mind that you are doing this for yourself. Not for anyone else, not under duress. You choose it yourself and it will ultimately bring you more happiness than those impulse purchases are doing now.

6. Dive into your finances

Yes, sorry, this one really fits. Make an overview of income and expenses. Don't spend more time on it than necessary, because most people find this annoying to do. It is necessary evil on the way to your first ability. And if you really go for it, I hardly dare say it, a cash book will also help you. Don't give up now. Such a notebook really gives you more insight. So you are more likely to reach your goal. On the Rabobank site you can get a free household book that works very well.

7. Start earning some extra money

I understand that not everyone has a big income. Really and truly. I do believe that anyone who is healthy in body and limb can try to earn something extra. Babysitting neighbours' children, an online trade, selling stuff on Marktplaats. I wrote a piece about passive income before . That is income in which you invest once with your time (and sometimes money) and which then continues to generate income. Be inspired by it.

8. Only your opinion counts

If you plan on saving $100,000, everyone will agree. My 5-year-old son always says: 'What you find, you have to bring to the police.' That seems like a good response, even among grown-ups. Let everyone enjoy it all. He who laughs last laughs best.

9. Change your money mindset

Many people have a negative feeling about money. discharge! What happened in the past has happened. You are now going to look ahead and your future could look very bright. See money as a means to achieve your goals. Something nice, positive, which offers possibilities. Allow yourself to have money and to save. It is not a punishment but a gift to yourself.

10. Success

Yes! You're now part of the 100k club (I just figured this out. We've never gotten together or anything). My last tip: stay grateful. Reaching this goal is not feasible for everyone, I am very aware of that. With a reasonable income, especially with two incomes, you will come a long way. But not everyone is in such a situation. So: if it works, realize that you are lucky. I am still grateful every day and also try to share with people who are less fortunate. A nice gift, a spontaneous contribution, donate some money to a Sinterklaas campaign for families with less to spend. Sometimes you don't necessarily get less from sharing, but more in a non-financial way.

189 Life Hacks to Save Money

189 Life Hacks to Save Money

How do you save money? Financer's 189 life hacks will help you find ways you might not have thought of. Save by buying more, enjoying and having more fun, getting healthier every day. Save smartly!

1. Always take food and drinks with you
Wherever it is allowed. It will always be cheaper than buying "locally".

2. Cook at home
Going to cafes and restaurants, ordering food at home is, of course, nice. But cooking at home is much more profitable. Any purchased food will cost you 50 - 100% more than cooked yourself.

3. Test products
Services like Buzzaar and the like send you a product to test. You need to try it, distribute it to your friends, and then post a photo report with a review. The parcels are quite weighty. According to the feedback from the participants, from testing tea/coffee, then you can not buy them at all for a month or even two.

4. Have a "no shopping day"
One of without our society, already confirmed by psychologists, is the habit of buying. Spend only one day a week with your family and don't shop at all. It's not as difficult as it sounds. But it will help to see how many joys are around.

5. Do kitchen gardening
Considering the prices for parsley and dill, you can save a lot by growing greens on your windowsill. At the same time, the air in the apartment will be fresher.

6. Look at the lower shelves of the stores
Or the topmost ones. In the middle (at the level of your eyes), according to the laws of sales, the most expensive things and products will be located.

7. Healthy lifestyle - the way to save
A healthy lifestyle, proper nutrition and an active lifestyle are powerful savings in the long term, which will save you from the need to treat many diseases for many years to come.

8. Stop competing
People spend a lot of money just to be better than others. Consider if you have this bad habit. And if there is, try to get rid of it. In 90% of cases, this is just how extra money is spent. Instead of being distinguished by an expensive smartphone or car, it is better to save up for an apartment or house.

9. Drive to the store full
Hungry people buy 10 - 15% more than well-fed people. And this is logical. As the saying goes, "I would eat it with the eyes of an elephant." In addition, when we are hungry, it means that our glucose levels have dropped. And it is necessary, among other things, for the brain to function. Roughly speaking, we just begin to think worse about what we really need.

10. Get a reusable bottle
Think about how often you buy water in half-liter bottles to quench your thirst. If this happens more often 2 to 3 times a week, it makes sense to have a reusable bottle and take water from home.

11. Start saving for retirement
Given the unpredictability of our pension legislation, it is advisable to open a replenishment deposit as early as possible and make at least 2-3% of your income to it. This will not greatly affect the quality of life, but you will be surprised how much money can be raised in 5 - 10 - 15 years.

12. Unplug the plug
Even if the appliance is not turned on, if the plug remains in the socket, a small amount of electricity continues to flow. A decent amount accumulates in a year. Or rather - "indecent", considering that this is electricity, from which you do not have any benefit.

13. Don't keep money at home or on a card
The financial cushion is best set aside for replenishment and withdrawal. Yes, the percentages will be small, but still.

14. Count in liters and kilograms
Many manufacturers are disingenuous, offering a lower price, but also a lower volume / weight of the product. Always convert to cost per liter or kilogram. So you really know what is cheaper.

15. Buy clothes "out of season"
The choice will be more limited. But the prices are also much lower.

16. Choose the right food brands
Own products of network markets (Auchan, Pyaterochka, etc.) are much cheaper, and are often produced at the same factories as expensive branded products.

17. Postpone purchases
Did you spontaneously want to buy something? Wait a day or two. Do you still think that it is vital for you? Then buy. But 90% of the time, you will realize that it was only a momentary rush. Or maybe you will forget about the thing that seemed so desirable just two days ago.

18. Forget about bars
Bars and clubs are literally a vacuum cleaner for your money. You can have fun with friends at home or in the park. In a word, there are a lot of places where they will not pull half of your salary out of you.

19. Buy seasonal vegetables and fruits
They are cheaper than greenhouse ones.

20. Load the washer 100%
The washing machine will consume approximately the same amount of electricity and water in any case. Therefore, by erasing "in small portions" you only rob yourself.

21. Walk
If the road is less than 1.5 - 2 km, walk this path instead of driving or using public transport. Especially if we are not talking about buying something heavy or about the road to work (when, indeed, even 10 minutes of saving can be critical).

22. Be polite
Obvious but effective advice. Polite, smiling customers are much more likely to be reminded of available discounts and “suddenly” found necessary goods. They are more often found a place "outside the schedule" and generally go to meet them in every possible way.

23. Refuel at the right time
At least in the summer. Optimally late in the evening, at night or early in the morning. During the day, when it is hot, gasoline is saturated with vapors, which occupy up to 5% of the volume. As a result, you get 5% less fuel directly.

24. Semi-finished products are evil
Although cute cutlets may seem cheaper than meat, if you recalculate the cost per kilogram, you will understand that this is not at all the case. After all, this "minced meat" contains at least 50% of bread and eggs. A good slice of pork of the same satiety will cost much less.

25. Wholesale stores are your everything
See what foods you are consuming in really large quantities. Milk? Water? Juices? Diapers? If you buy immediately for a month, you may be able to order from wholesale stores. It's much cheaper. A small wholesale starts from a fairly small volume of purchases.

26. Drink water
The cheat on alcohol in restaurants reaches 5-10 times the size. Drink water, maximum - juices or soda (although they are well wound on them). Most importantly, avoid restaurant alcohol.

27. Buy products by weight in stores
Alas, the markets continue to either overweight or call the wrong price. And the apparent "savings" due to low prices immediately disappear. It is more profitable to buy vegetables, fruits and other products by weight in large markets, where the buyer himself weighs the purchased.

28. Don't fill the kettle
If you only need a cup of tea, pour one cup of water. And remove the limescale often. It reduces thermal conductivity, boiling takes longer, and more energy is spent.

29. Live pharmacist
Even if you ask for the most common iodine, with a high degree of probability you will be given something branded for 100 rubles or more. Feel free to clarify several times that you want the “simplest” thing. Better yet, take a look at the pharmacy website in advance, if there is one. The difference can be up to 10 - 15 times the size.

30. Cake size matters
Count on sweetness according to the formula - 200 grams per guest. Do not need anymore. According to statistics, only 70% of guests taste sweets anyway.

31. Wash in cold water
If there are no stubborn or greasy stains on your clothes, and you just need to freshen them up after wearing, there is no point in washing them in hot water. You will be able to save up to 90% on electrical costs for the washing machine.

32. Quit smoking
Yes, advice that has set everyone's teeth on edge. But really - getting rid of this addiction, you will not only improve your health, but you can also save 2,000 - 5,000 rubles a month on average. Or 20,000 - 50,000 per year.

33. Don't buy a lot of baby clothes
They grow very quickly and the wardrobe will still have to be constantly changed.

34. Leaving - don't pay
If you are leaving for more than a week and no one is left at home, you have the right to apply for a recalculation of utility bills. You will only need to confirm the fact of departure - for example, show tickets. The application is submitted to the management company.

35. Pay for parcels with stamps
When sending things and documents, we pay up to 20% VAT. And you don't have to pay VAT for stamps. Tell the post office that you want to pay with stamps. You will be paid in the program and given a check marked "without VAT". You don't have to glue stamps - it's just a form of payment. If the employee is not aware that this is possible and will refuse you, call the hotline 8 (800) 2005-888, and they will confirm your case.

36. Prioritize
The main thing in saving is to separate "need" from "want". The really necessary spending should be at the top of the list of expenses. But most often you can refuse whims. Meanwhile, the majority of people spend up to 30% of their money on just such a minute “want”. Before you buy something, ask yourself, "Do I really need this?"

37. Think about stocks
Sometimes you can find very good clothes there (including from well-known brands) and at very favorable prices. A decent second-hand can also be a good option.

38. Cook smartly
It is more profitable to reheat food in the microwave than on the stove. And to fry bread and other small "dishes" - in a toaster.

39. Create a grocery list
For example, hang a bulletin board in the hallway or kitchen. Make a table for cereals, meat, canned food, household consumables, etc. Write down with a pencil how much and what you have. Then, before going to the store, you will not need to dig up the cabinets. On the other hand, you will stop buying what you already have at home.

40. Get involved in financial education
Subscribe to news from large banks (for example, Tinkoff), at least start occasionally reading financial analytics. In the modern world, it is vitally important to understand what is happening in the world and in the country in order to be ready for any changes. Most importantly, you need to know how to obtain legitimate financial benefits.

41. Use taps with an aerator
This is a mesh at the end of the tap. It not only retains sand and other impurities, but also contributes to the "dilution" of water with air. As a result, the pressure does not decrease, and the flow rate is reduced by almost 2 times.

42. Clean the vacuum cleaner after every cleaning
So the degree of suction will be maximum, it will not be necessary to brush the brush over the same place several times, and the faster the cleaning, the less energy loss.

43. Don't have a zoo at home
Pets warm the soul. And yet there should be a reasonable number of them. Three cats, a dog, two hamsters and fish will seriously undermine your budget.

44. Check out the Fix-price
Despite the fame of the "cheap store", you can really find good things there - especially consumables (notepads, pens, etc.). And very cheap. Just be careful. Do not buy some little thing that is not worth the offered price - this is where it happens.

45. Check the expiration date of products in the store
Then you do not have to throw away the products, and with them - and money down the drain.

46. Make lists
A shopping trip with a pre-made list can save you up to 30% of your regular costs. After all, it is confusion and the lack of a clear understanding of what to buy that does not allow us to pass by "here is another share 2 at the price of 1".

47. Defrost the refrigerator regularly
The abundance of ice increases the cost of electricity.

48. Do not throw away non-working equipment
List it for sale on Avito. Repairers often buy non-working units for spare parts.

49. Don't just go shopping
Shopping walks is the easiest way to spend your excess. Something always catches your eye.

50. Check checks
The "human factor" plays a role everywhere. And not because the cashier or the receptionist really wanted to cheat you. Mistakes just happen. And technology as well. But these mistakes can result in significant expenses on your part.

51. Fix your clothes, don't throw them away
This does not mean that trousers or shirts need to be sewn up to holes. But a broken zipper, flying buttons and a slightly parted seam are easy enough to "fix". And this is much more profitable than buying new things. If you don't know how to do it yourself, find an inexpensive atelier nearby. It will still be cheaper.

52. Subscribe to communities like "For Free"
You can often find quality items there that you won't have to pay for. There are also similar communities "all for 1000". You can even stumble upon decent furniture or appliances.

53. Subscribe to communities like "For Free"
You can often find quality items there that you won't have to pay for. There are also similar communities "all for 1000". You can even stumble upon decent furniture or appliances.

54. Write down all your expenses
And those included in the planned budget. And even more so, those that happened spontaneously, unexpectedly. Often, at the end of the month, we cannot figure out where to make such a breakthrough of money precisely because several thousand or even tens of thousands of rubles were spent on unexpected spending.

55. Install apps with discounts
"Foodil" and other similar applications will allow you to find out in time about where you can get discounts in stores. This will greatly reduce spending.

56. Learn a language through barter
Now there are a lot of services that allow you to communicate with foreigners. Find a native speaker of the language you're interested in who wants to learn Russian and engage in barter.

57. Make big purchases
Buying food for 2-3-4 weeks will save a significant amount, and at the same time carve out more time.

58. Have picnics
Buy vegetables, fruits and have a picnic by the sea. It will be even better than lunch at any restaurant, and much cheaper.

59. Cleanliness is the key to savings
Teach children to be hygienic. How much it wil.

60. Turn off the stove earlier
Electric stoves keep warm for a long time. So it is more economical to turn off the stove not after the dish is ready, but 5 minutes before. And it will not burn, and you will save energy.

61. Feel free to ask for discounts
Maybe in the clinic where you applied, there is some kind of action going on now. Or at the store. Or even in a restaurant. The employees themselves will be happy to tell you about special offers, bonuses and discounts.

62. Copper and ceramics versus steel and cast iron
Steel and cast iron pots and pans take much longer to heat up.

63. Understand tax deductions
You can get back some of the money that your employer deducts from your salary in tax (or that you pay for yourself as an entrepreneur). There are deductions for purchased medicines, for paid education, for real estate - and all registration online takes half an hour. Moreover, just for medicines, you can get more than 15 thousand a year.

64. Use energy efficient light bulbs
There is still a lot of controversy around them, but you can't argue with the facts. The use of energy-efficient lighting sources can save up to 3,000 rubles per year. And if you do not have a one-room apartment, and in the dark, most of the family is at home - even more.

65. Buy books from second-hand book sites
On Alib and similar services, you can even find new publications for literally a penny. The condition of the book is indicated by the seller - up to excellent and new. For comparison, last year they exhibited a 6-volume Hugo book in good condition (only yellowed pages) for 300 rubles.

66. Drive right
Rapid acceleration, frequent braking, constant increase / decrease in speed and driving at speeds above 2500 rpm increase fuel consumption by an average of 25%. Try to overtake less and keep at a speed of 70 - 90 km / h. It is this mode in most cars that is designed for minimum fuel consumption.

67. Start keeping a home budget
Calculate your budget and try to stick to your plan. Our tips will help you.

68. Don't try to skimp on cheap clothes
This does not mean that you have to go to Prada and Armani. But simply high-quality, albeit more expensive, things last longer and, ultimately, much more profitable.

69. Don't go shopping after work
A tired person is less attentive and often agrees to a purchase, just to buy something and not “travel in vain”. Even if this "something" he does not need at all.

70. The best fun for kids - free
Of course, children need toys, entertainment and educational activities, but do not succumb to the modern mass hysteria “give everything to the child”. Don't spend too much on entertainment. This is harmful not only from a budgeting standpoint. Children, who are only taken to various entertainment events, grow up less independent, because they simply do not know how to occupy themselves.

71. Rent
If something is needed for a short time, there is no point in throwing money on it. A hammer drill, which is needed every five years, a lawn mower or similar things can be rented.

72. Change your shower
Have you changed your shower for a long time? Do it now. Modern models with extended spacing are much more economical, and the flushing efficiency is just as good. Savings - up to 1.5 liters per minute.

73. Prepare documents in advance
Maybe now you don't need a driver's license or a foreign passport. But it is better to draw up all the available documents at once, so that later you do not run into increased duties or changed rules. For example, 8 years ago, it was possible to get a license simply by passing an exam. Now you definitely need to study at a driving school and pay money for it.

74. Dress for one time
If you only plan to wear a dress or suit once (for a wedding, party, etc.), find a salon that is ready to take back evening wear for half the price within a few days. It will already be much cheaper.

75. You don't have to have fun for money
There are even more free options in the entertainment industry. Go to the same "Afisha" and choose. Concerts, exhibitions, master classes - you can find whatever your heart desires and not pay a dime for it.

76. Understand the composition of cosmetics
Visit a beautician once not to "make a marafet", but to get detailed advice. Read the articles of experts on the Internet and find out which "ingredients" are really needed, and which are just an advertising lure. First, this is how you finally start buying cosmetics that work. Second, find out that there are many inexpensive but effective analogues.

77. Create a separate travel account
You can save money there for vacation every month. And at the same time, when you rest, there will be less temptation to spend too much.

78. Explore government programs
Everyone knows about maternity capital. But this is far from the only existing federal program. Find out what subsidies and aids you are entitled to on preferential terms.

79. Choose banks with insurance
If you are going to open a deposit, make sure that the bank participates in the insurance program. So the amount of up to 1.4 million is guaranteed to be safe in any situation.

80. Choose the right technique
When choosing a refrigerator, microwave oven, stove, look not only at the functionality, but also at the level of energy consumption. Opt for more energy efficient technology.

81. Feel free to ask your doctor / pharmacist about analogues
Sometimes you can find medicines with the same composition, but 50% or even 80% cheaper than a medicine from a promoted brand. The main thing is not to select them yourself - without a specialized medical education, you can make a serious mistake.

82. Don't keep eggs in the same basket
The old rule is usually the world, but still working. Never invest in one thing. If you have an opportunity to make savings or at least open a deposit, select several banks. Or even several types of assets. Just be sure to study them beforehand.

83. Travel on weekdays
Weekend tickets tend to be more expensive, both by plane and by train. And it's more difficult to get them.

84. Collect store maps
Do you often shop somewhere? Is there a store offering a discount card for the opening? Collect everything. These are not as useless "pieces of cardboard and plastic" as you might think. On loyalty cards and similar bonus programs, you can really save up to 50% of your spending.

85. Try to shop without kids
Even if your child is well brought up, it is unlikely that he will never ask for anything and you are unlikely to refuse him all the time. And children's "want" severely increase annual spending.

86. Order from online stores
So you will save time, and you will be much less distracted by promotions, and you will be able to think about what you can really buy with a special offer right now, and what you don't really need.

87. Use public transport
Unless, of course, you are in Tokyo, where, they say, it is absolutely impossible to understand all the intricacies the first time. In other cases, public transport is much cheaper than a taxi.

88. Supply counters
Remember that otherwise water consumption is simply calculated based on the norms. It may be a profitable option if you splash under running water for many hours every day. But in 90% of cases, it is more profitable to pay by the meter.

89. Place the refrigerator further from the stove
Unbelievable, but true - this way it consumes less energy, because it does not have to cool down additionally.

90. Clean your phone from subscriptions
Once every 1-2 months, check if you have accidentally connected any paid subscription. This can actually happen almost unnoticed by you. And money from the account will fly away decently.

91. Talk to doctors about money
If you are currently in financial trouble, do not hesitate to tell your doctor. In 99% of cases, you can find some more inexpensive analogue of treatment, or at least measures that will allow your health to not worsen. This is much better than keeping silent and simply not following the doctor's instructions, starting the disease more and more.

92. Have you been renting for a long time? Haggle
If you have been renting the same apartment or house for a long time and always pay your rent on time, maybe you should carefully talk to the tenant about a discount or more favorable terms? For example, that you will pay less if you immediately deposit money several months in advance.

93. Shop with friends
If you do not have such a consumption of products and things to buy in bulk, agree with your friends and shop together.

94. Get an advisor for meaningful purchases
Someone who really understands these products. Alas, sales consultants have their own goals, and they are not always interested in selling you something of high quality and cheap.

95. Use a card with cashback
Get a credit card , and then part of the money spent will be returned with cashback. There are offers with a refund of up to 20%. And in order not to have to pay interest, it is enough to pay off the debt before the expiration of the interest-free period (up to 55-100 days).

96. Replace the mixer with a lever mixer
It allows you to quickly adjust the water temperature. For a year, the savings turn out to be decent.

97. Change
Thanks to Ya.Menya and similar services, it will be possible to exchange unnecessary things for the necessary ones. It is more profitable than throwing it away and then spending money on purchases, and much easier than selling and then buying again.

98. Minimize the number of active processes on the computer
The lower the load, the less energy it will consume.

99. Don't forget about the maintenance of the equipment
Regular replacement of filters in the washing machine, maintenance of the air conditioner will prolong the life of your household appliances for a long time and will save you a lot of money on repairs and the need to buy something new.

100. Do not open deposits more than 1.4 million
This is the maximum amount that is covered by insurance. In addition, from a certain amount, the rate begins to fall and the deposit becomes not so profitable.

101. Swap batteries for rechargeable batteries
If you have a lot of things at home that run on batteries, it is cheaper to buy good batteries once than to constantly spend even seemingly “pennies”.

102. Reduce the number of extension cords
Because of the greater "number" of points of resistance, they lead to greater energy consumption.

103. Eliminate "heat leak"
Even if you changed your double-glazed windows not so long ago, check if there is any blowing somewhere from a window or from the walls. The fewer such leaks, the less often the heater will have to be turned on.

104. Take part in the drawing of prizes, services and workshops
Do you like to sit in social networks? Sit profitably. Many specialists and shops offer goods, services or master classes for free, playing them for repost. The chance is small. And still.

105. The nearest Zambia is a way out
Dzerzhinsky and similar cities located immediately behind the Moscow Ring Road do not differ in infrastructure and provision from the sleeping areas of Moscow. And real estate here is much cheaper, and utility bills are much lower. It's not even worth talking about the benefits of fresher air and fewer people.

106. Get medical insurance
Especially if you have a large family. Voluntary health insurance will significantly save on paid medical services. The main thing is to choose carefully and read the reviews.

107. Application "Thank you" and analogues
Install apps to accumulate points when you purchase from specific stores. This is another type of cashback - and quite profitable.

108. Check your payments
The invoices sent by no means always correspond to the truth. Check if you have counted too much. The difference between real and "written" debt can reach several thousand, and sometimes even tens of thousands.

109. Create a personal account at the Federal Tax Service and at the State Services
So you can always check online for debts, fines, etc. In addition, payments made through these systems will be much easier to confirm in the event of any overlaps.

110. Change money wisely
If you need cash, never change it at the airport. There will always be a disadvantageous course. But there is one more life hack - compare the rate in your bank and in exchange offices. It may be cheaper to simply pay by card wherever there is such an opportunity.

111. Buy pet food online
Online pet stores usually have a good discount program and you can immediately choose something in the "sales" section.

112. Shelter instead of buying
If you are not going to go to exhibitions and do not have a great love for a particular breed, it is much more profitable to take an animal from a reliable shelter than to buy it. Moreover, pedigree inhabitants are often found in shelters.

113. Book rooms on hotel websites
This is usually cheaper than booking a room through a travel agency. Sites like Financer will also be useful, but in a tourism direction. Compare hotels with different conditions and choose the best one.

114. Don't forget about vaccinations
Both for yourself and for your pets. Remember, health is the best way to save money on medications and doctors.

115. Do not call. Chat on the Internet
Especially if you are at home or at work - in a word, where there is unlimited Internet or connected to a mobile tariff that you still do not have time to spend. Calls via Skype, WhatsApp, Telegram and other messengers in this case will be much cheaper.

116. Take Nursing Courses
A lot of the procedures that you have to pay for in the hospital can be performed independently at home. Courses for junior nurses will cost around 8-10 thousand (as of 2018). But they will allow you in the future to save several dozen, or even hundreds, on the setting of injections, droppers and other procedures.

117. Repair the car
Timely maintenance and minor repairs will save you money in the long run. Less often, complex and expensive repair work will be needed. And, of course, the car will fail much later.

118. Take care of raising your pet
Moreover, it is advisable to do it yourself (if we are not talking about complex large breeds of dogs). The better your pet is brought up, the less problems and expenses will be caused by damaged furniture, damaged things, etc.

119. Scratching post for a penny
An excellent scratching post will turn out if you wind a jute cord on a wooden block or a plastic post. And then just change it as it gets worn out.

120. Minimize the number of devices
It's easier to get one big smartphone for both reading and making calls than buying a small phone and tablet separately. And if, for example, you need a laptop only for text work, a tablet with a keyboard is more profitable.

121. Buy flights from your computer
Some companies automatically increase the price when buying from a smartphone. Sometimes the difference reaches 1.5 thousand rubles.

122. Sell unnecessary books
Many people still get books from moms, dads, grandparents. Some kind of "history of the revolution" or other publications that you are guaranteed never to read are more profitable to sell. And the place will be free. Just be careful - you may come across a rare edition, for which you can get quite decent money.

123. Exercise isn't just for humans
Frequent walks and active activities with your pet will help him stay in shape - and this is a guarantee of health and the prevention of many diseases.

124. Order from one account
Many online stores have individual loyalty bonuses, cumulative discounts, etc. Create one account for the whole family so that everyone can order profitably.

125. Look for fellow travelers
Services like Blah Blah Car are a great way to save money on travel. And if you are on good terms with a colleague and live close to each other, it may be more profitable for you to give each other a ride in turn than to constantly "drive two cars."

126. Coupons & Gift Cards
Use coupon services to save money. Just remember to check reviews so you don't get a coupon for a poor service.

127. Remember safety
The seat belt was not invented by cowards. Be sure to follow the safety rules in the car. Most often, insurance refusals occur precisely because the driver himself did not follow the rules.

128. Unload the car
An increase in car weight by only 100 kg is already an increase in fuel consumption by 15% - 20%.

129. Get regular medical check-ups
Any health problem (especially heart problems) is easier and cheaper to cure in the beginning. Plus, the better your health, the better and more productive you work.

130. Create a "health fund"
Set aside at least 3-5% of your income for a "medical fund" - this will be emergency supplies in case of a health emergency. It is cheaper than borrowing money immediately if someone is sick. And it is certainly cheaper than not being treated at all, and then paying for services for the treatment of any "side effects".

131. Get "luggage clothes"
A capacious vest will allow you to stuff most of all in your pockets, turning it into carry-on luggage and reducing the risk of overpaying for the weight of your luggage.

132. Sometimes a hostel is more convenient
If you're not going to spend a lot of time in your room, it might be worth considering a hostel instead of a hotel. It is much cheaper, even if you choose the comfortable option with a separate bath and toilet. And even cheaper if you are traveling with a company.

133. Learn to give your pet injections
Injecting is a rather expensive "pleasure." Especially if your pet needs a course of treatment. Meanwhile, it is quite simple to put the injection yourself. Ask your veterinarian to teach you.

134. Consider a “connecting flight”
This option may be cheaper than a point A to B flight.

135. Follow the promotions in pharmacies
Some pharmacy chains organize promotions for certain drugs or "bulk" discounts on certain days.

136. Warm the engine with a blanket A lot of fuel is spent on warming up the car in winter. Instead of throwing out your old blanket, start covering the engine with it before parking overnight. It will not allow the engine to freeze so much that it will take a long time to warm up in the morning. It will be possible to start in 30 - 40 seconds. 137. All inclusive can be more beneficial
Especially if you are visiting the country for the first time and are not yet very pricing-savvy. Moreover, the greater the number of travelers, the more, most likely, it will be possible to save. In addition, you do not have to constantly think about the remaining money and worry that it will not be enough until the end of the vacation.

138. DIY pet toys
Toys at pet stores just seem cheap. But they actually cost a ridiculous amount of money, given that any pet can figure out a toy from household unnecessary little things.

139. Don't miss out on free opportunities
We're not talking about cheap advertising "go through a full scan and find out that you are terminally ill", but about official promotions. Large medical and even government centers sometimes offer similar promotions as part of some federal or image programs.

140. Buy a router yourself
It is always cheaper than settling for a model that comes "from the provider". True, only if you are able to customize it yourself. Otherwise, the cost of a specialist can kill all the savings.

141. Dishwasher - for rest
Of course, not in everything. But it is more profitable to wash large pans and pans by hand. The dishwasher will use a lot more water on them.

142. Refinance your mortgage
Interest rates change every year. Study the offers on the market - it may be more profitable for you to transfer the mortgage to another bank or simply conclude a refinancing agreement . Why pay more when you can not pay?

143. Install a two-tariff electricity meter
This will allow you to switch to cheaper night or weekend rates. Washing, ironing and washing dishes in the dishwasher can be postponed overnight. Or until the weekend.

144. A good travel agent is a separate savings
A good specialist will always find ways to save money, and most importantly, to avoid spending unknowingly. The main thing is to competently approach the choice of a travel agency.

145. Get a credit card with "miles"
If you often travel by plane, a credit card with bonus "miles" for each purchase will help you seriously save on ticket purchases.

146. Plan two vacations
Always have a plan B for your vacation. Instead of visiting one country, plan two and compare. You can do the same with the entertainment options already in the "place of residence."

147. Car repair = fuel savings
According to statistics, 30% of cars have excessive fuel consumption. A third of the deviations from the norm are due to interruptions in the power system itself, 28% to the engine, another 26% to the ignition system and about 16% to the transmission.

148. Take tests directly to the laboratory
For example, "Invitra" calmly accepts tests directly. And it costs seriously cheaper than taking it through the clinic (which will increase the price from above for the driver to take the tests to exactly the same "Invitra").

149. Compare providers
Perhaps your home is already connected to another, more profitable provider. Check it. Just be sure to read the reviews before switching to another company. In order not to lose the quality of the connection.

150. Compare different airports
Sometimes tickets to the same country at different airports under the same flight conditions can differ quite well in price.

151. Don't carry cash
If you are going abroad, it is better to take very little cash with you. Firstly, each country has its own laws in terms of the import of cash. Secondly, your bank cards will be of much less interest to thieves than “live bills”.

152. Do not withdraw money from "other people's" ATMs
In almost all ATMs, cashing a card of another bank is accompanied by a commission. It would seem that it is not large (50-100 rubles), but a decent amount can run up in a year. In addition, if you have a card linked to an individual entrepreneur or LLC account, the commission can grow up to 300 - 500 rubles.

153. Sign up for alerts
Are there stores where you buy something on a regular basis? Be sure to subscribe to their e-mail newsletter to keep abreast of special offers, promotions and other sales.

154. Travel "out of season"
During the season, tickets, hotels, and local entertainment become more expensive. Even a week before or a week after you have every chance of seeing the same good weather, and everything will cost much less. Also try to avoid traveling on major holidays (New Year, May 1-3 or 9 in Russia).

155. Tradition doesn't have to be expensive
A family tradition to gather in a restaurant or go on vacation is wonderful. But forfeits at home or parties together can be just as fun. But much more inexpensive. Show your imagination - so the holidays will become more fun, and the wallet will be fuller.

156. Make a vacation plan
Make a rough vacation plan and allocate the funds that you plan to spend. Don't forget to set aside some of it in case of emergency.

157. Include travel in your insurance
Insurance from airlines and travel agencies is good. But we all know how difficult it can be to actually get the promised services. In addition, insurance for travelers, issued by yourself in an insurance company, will be cheaper and will allow you to independently choose what you really want to insure yourself against. And air tickets and tours can be bought cheaper.

158. Choose profitable routes
There are notoriously inexpensive vacation destinations. For example, Turkey, Greece. If you really want to go to the sea, but not enough for Italy, maybe you should choose one of these options?

159. Put on your helmet
When driving a motorcycle, remember that it is cheaper to prevent injury than to treat it. Even insurance. A helmet and a "turtle" are not a luxury, but a necessity.

160. See your vet regularly
A regular check-up of your pet's health will allow you to detect the disease in the early stages, when it is easier and cheaper to cure it.

161. Explore Subscription Options
Contrary to popular myth, subscribing can also be useful - for example, to buy e-books or watch high-quality movies. Most importantly, do not forget to turn off the subscription for those periods when you do not need it.

162. Choose the right insurance
Be sure to find out all the conditions for insured events. It is better to overwhelm the consultant with questions than to find out later that repairs for half a million will not cover you.

163. Conduct an energy audit
At least once every six months, analyze what the electricity is spent on and think about how you can reduce these expenses. Especially if new appliances that consume energy have appeared in the house during this period.

164. Ask a friend for a discount
Going to buy something from a store you haven't encountered yet? Ask your friends - maybe someone already has a discount in this store.

165. Go to events with friends
Many paid events offer discounts for group visits - at times quite serious.

166. Change consumables regularly
Regular replacement of filters, gaskets in the plumbing system, plastic pipes and other consumables will help avoid accidents, and at the same time reduce the frequency of replacing a more expensive piece of equipment (for example, a tap).

167. Review mobile rates regularly
Mobile communications are rapidly falling in price. At least once a year, it makes sense to look at the tariffs of your provider - there is every chance that you can already pay a lot cheaper for the package of services you need.

168. Save money on pet care
Make a deal with a friend or neighbor. He might even like it. And in return, offer a trip to a restaurant or some other "pleasantness".

169. Find "your" clinic
Permanent treatment in one clinic, firstly, will make the treatment itself more effective. Because the doctor will already thoroughly know your characteristics, and specialists of different profiles will always be able to consult with each other. In addition, all analyzes and research results will be "at hand" of the specialist, and you do not have to re-pass them more often than necessary.

170. Learn to care for your pet
Trimming your nails and cleaning your ears is not that difficult. You can watch YouTube videos if you are afraid of doing something wrong, or even ask your veterinarian to show you how to do it. This is much more profitable than taking your pet to the veterinary clinic for procedures all the time.

171. Talk to the locals before you travel
Before sending on a trip, go to the forum of the point where you are going and find out the approximate prices - for housing, food, and other goods. So sellers won't be able to deceive you just because you are a tourist.

172. Buy quality food for your pet
Not more expensive, but better quality. First, it will save on treatment costs. Second, quality food is often more expensive. But it contains more nutrients, and not "dummies", so its consumption is much less - your pet will simply fill up faster.

173. Keep an eye on your tickets
Plane or train tickets can still be returned with a 100% refund. If you bought them in advance, do not forget to look for better opportunities during this time. It may be possible to return tickets and buy a cheaper option.

174. Download travel apps
Now there are a lot of applications that will help you save money - from the selection of tickets and hotels to free guides in various countries.

175. And hotels have discounts
If you are sure that no emergency will happen and you will definitely stay at the planned hotel, book a room without a refund for canceling your booking. This option is significantly cheaper.

176. Don't feed your pets homemade food
Firstly, in the end it can come out significantly more expensive than special feed. But more importantly, 90% of human food is extremely poorly absorbed by animals due to flavors, colors and other additives. As a result, treatment is much more expensive than feed would have cost.

177. Compare plane and train
Train travel is not always cheaper. Be sure to compare all the possibilities. It is possible that the plane will be not only faster, but also more profitable.

178. Save money on babysitting
Do your neighbors have a child too? You can take turns with the children or at least hire one nanny for two apartments.

179. Explore Discounted Entertainment
Even paid movie shows or museum exhibitions have special offers - for example, discounts for students. See how you can benefit from your "status".

180. Do not administer human medications to animals.
First, it is often more expensive, if only because human medications have a higher dosage. In addition, self-administration of medicines intended for people can have dire consequences - from severe poisoning to death. Use human medications (and in principle medications) only as directed by your veterinarian. Even if you have something at home that you think can replace pet medication, it is better to spend on a prescription than spend much more on additional pet medication.

181. Brushing your pet's teeth is not superfluous
Dental prophylaxis for your pet will prevent expensive treatment and problems not only with teeth, but also with digestion.

182. Check your UK
In addition to the "personal desire" of the management company to set its own prices for utilities, there are quite legal regulations governing this process. Learn your rights and check your bills regularly to avoid arbitrariness and pay more than you could.

183. Compare prices at veterinary clinics
Of course, there are emergencies when help is needed urgently. And then any adequate nearest veterinary medicine will do. But perhaps a more distant, but more inexpensive option is suitable for episodic prevention.

184. Take your photographer with you
If you are looking for photos from an event, try to find a separate, inexpensive specialist. Prices for photo and video filming in registry offices and other establishments are usually very high.

185. Save space
Set up a dormitory for children. If you live alone in a rented apartment, it may be more profitable to rent an apartment with your “neighbor”.

186. Hire a local guide
If you are familiar with the language of the country you are flying to, hire a local guide. If you don't know well, look for ads from compatriots. Many, moving to another country, offer the services of guides and translators. This is often cheaper than booking a tour. In addition, the "locals" know much better where you can eat inexpensively and very tasty food or have fun for reasonable money.

187. Choose the right gasoline
Diesel cars are usually more expensive (both on their own and to repair), but if you drive more than 50,000 km in a year, this is a sensible choice. On average, overpayments will pay off in 5 years.

188. Refinance a car loan
Look for better car loan rates . Why pay more than you could for several years?

189. Ask your veterinarian for advice
Surely he knows how to save money on the maintenance of your pet without risking his health.

35 Ways to Teach You How to Save Money

35 Ways to Teach You How to Save Money

Saving, rational consumption and financial planning are part of a comfortable position and confidence in the future. You can learn to save money quickly, but it is better to change the approach to your expenses gradually.

How to learn to save money

1. Take control of your income and expenses

To do this, plan your weekly or monthly budget and regularly check how well you are following it. Divide it into mandatory and optional costs. Try to shorten the latter. Do it manually on paper, computer, or mobile apps. Online home bookkeeping will optimize personal finances and show problems.

Calculate how much you earn in a month. This should include any of your income: salary, bonuses, cash gifts, part-time work. This will give you an understanding of how much you have at your disposal.

2. Save some money

To make saving easier, use strategies that are clear and workable, such as the five-envelope technique . Another option is pay yourself first, where you regularly save 10% on any income.

This will gradually build up a "safety cushion". It will help to cope with unforeseen expenses: breakdown of equipment, medical needs and other difficult life situations.

Identify and prepare in advance for irregular expenses (insurance, taxes, or changing tires on the car).

3. Set a goal

It is difficult to save without a specific dream: you succumb to momentary desires. When there is a goal and terms (for a trip in six months or for a car in a year), it is psychologically easier to save money. You know why you give up some things.

4. Open a bank deposit

Do not put money under the mattress, inflation will "eat" it there. Finance should work. There are many ways to do this, but the safest is to open a deposit in a bank. To choose the best conditions, check out the service.

How to save money with a small salary

5. Don't go shopping on payday

When you receive your salary, there is a risk of spending it right away to reward yourself. However, you have to spend only after the money has been allocated.

Set aside 10% of your income (if that's a lot, then at least 5% or even 1%). Pay your mandatory monthly expenses (utilities, phone bills, internet, groceries), and then try to spend on useful things that will last you a long time. Give up everything that is cheap and disposable.

6. Close credit cards

High interest rates on debt prevent you from saving, and you will be tempted to spend more than you earned. Find out how much you owe the bank each month and budget so that paying off the debt is a priority. When you close the loan, send even more money to the "piggy bank".

7. Give up bad habits

The regular purchase of alcohol and cigarettes wastes not only health, but also the budget. Go to bars less often. Relax actively, spend time in parks and sports grounds.

8. Trust sales less

All kinds of "Black Fridays" and "Cyber Mondays" are more often marketing gimmicks than real benefits. In addition, people are led by daily offers in the spirit of "1 + 1" and take unnecessary goods out of greed.

Don't buy everything and ignore the advertising hype. Take what you really need.

9. Plan big purchases

This will help you to ask the price of the product (find out its price in different stores) and accumulate the required amount on time. Set a purchase date and determine how much you should save per month.

The same approach can be applied to gifts for the New Year to loved ones or to prepare a child for September 1st. If there are 6 months left before the New Year, and you plan to spend 10,000 rubles on gifts for your family, it will be easier to save 1,500 a month than to pay the entire amount at once on the eve of the holiday.

10. Skip fast food and business lunches in a cafe

Instead, look for canteens near work - it's cheaper and healthier. To make it easier to search, look at Yandex.Map. A more budget-friendly option is to cook at home and carry it with you.

11. Issue transport passes

If you buy a ticket for the metro or train every time, it will be much more expensive per month. Just compare the price of a season ticket and a one-time trip in your city.

How to save money by spending money

12. Use cashback

Cashback is a return of a percentage (usually from 1 to 10%) of the money spent on purchases. It can be obtained through cash-back services, for example, Letyshops or the banking application that you use. Therefore, before buying any product or going to a restaurant, check if there is any cashback on it.

13. Go to coupon sites

Coupon sites were popular in Russia in the early 2000s. But over time, the "big three" of the largest and most reliable were established.

14. Track cheap flights

In the high season, catch "last minute" tickets for charter flights. They are cheaper because travel agencies could not completely sell them.

How to save money on food

15. Don't go shopping hungry

On an empty stomach, any food seems more attractive, so the basket will be filled with unnecessary items.

16. Arrange scheduled trips to the supermarket

Before this, make up an approximate menu for the week and a list of products. This will make it easier to follow the plan and not deviate from the budget.

17. Download discounted apps

Many mobile services help monitor promotions in grocery stores. Popular applications - "Edadil", "Promotions of all stores in Russia".

18. Find out the addresses of wholesale stores

For example, METRO Cash and Carry. Go there for the goods you can't do without in the kitchen (cereals, flour, sugar). For meat, vegetables, fruits, go to the market - there you can bargain and bring down the price.

19. Buy groceries online

In order not to go to several points comparing the prices of products, use the online stores of these retail chains. It's easier to find out about promotions there.

20. Buy analogues

Famous brands make you pay more. Products that the store makes itself will be cheaper (Red Price at Pyaterochka, D at Dixie, 365 days at Lenta).

How to save on clothes

21. Plan your wardrobe correctly

When you go to the mall for clothes, write a list too. It will help you not to be distracted by cute sneakers if you only need jeans and a T-shirt. Basic things must be of high quality and durable. Check clothes for defects, look at seams and pills.

Try it on, even if you are sure that the size is yours. If you are thinking of taking or not taking, do not buy.

Consider your lifestyle: when you work in a bank, you can't do without a pair of business shirts, and one sports kit is enough for fitness.

22. Dress in stocks, thrift stores and thrift stores

Fashion is cyclical, so do not shy away from second-hand, there are really interesting things there. There are also swaps, freemarkets and dress crossings where you can exchange clothes for free. Bring your own, and take what you like.

23. Register on store sites and subscribe to their news

Brands and online clothing sites often give promotional codes for the first purchase (for example, Befree, Lamoda, Wildberries). This way you can save 5-15%, which is especially beneficial when you buy an expensive item (winter jacket, suit, shoes). Subscribe to our newsletter to keep abreast of sales or promotions.

24. Buy clothes when traveling

This applies to designer items that cost less in their homeland than in our country. Also, do not bypass Duty Free at airports if you want to take original jewelry, accessories or perfumes. In some countries, you can do Tax Free (VAT refund) for purchases.

In order not to travel abroad yourself, use the service : it brings together buyers and travelers and helps to get goods that are more expensive in Russia. There you can order clothes, gadgets, nutritional supplements and other things.

25. Become a member of bonus programs

Do not be lazy to draw up the cards of the stores that are offered at the checkout. They will give you an advantage the next time you come to the store.

26. Learn to take care of things

If you take good care of your clothes, they will last longer. Sew up holes, remove stains, periodically dry-clean your outerwear, clean your shoes every day.

When you are tired of the thing, go in for customizing - reworking and updating. You can make a T-shirt from a jacket, a topic from a T-shirt, a hat from a sweater, and shorts from jeans.

How to save money on a car

27. Monitor her condition

By performing maintenance on time, you save on major repairs. Study the car manual or service book to change parts according to the plan, for example, the timing belt.

28. Do some of the work yourself

You can check the level of fluids in the car, change engine oil or wheels yourself.

29. Reduce fuel consumption

This can be done by checking the air filter and tire pressure frequently. Avoid idling and use cruise control to avoid harsh acceleration and braking.

30. Get discounts at gas stations

Gas stations reward their customers. Lukoil, Tatneft, Gazpromneft, Rosneft, Shell and others have bonus, discount, fuel cards. Check if there is a cashback at the gas station where you refuel in your banking application.

Do not buy food or coffee at gas stations yet: prices there are much higher than store prices.

31. Plan a route

By combining several activities in one trip, you will reduce fuel consumption, wear less your car and save time.

Assess the traffic situation through the navigator. Sometimes it is better to go by public transport, take a car sharing or taxi, so as not to burn gasoline in traffic jams. If you have a dacha, then leave there before everyone else does.

How to save money when renovating

32. Make the correct sequence of work

Make a repair plan. You cannot lay clean floors if your wall decoration is not ready. Take measurements of the rooms in order to accurately calculate the area and material you need to buy.

When you need a lot of building material, it is better to take everything in one go to save on shipping.

33. Choose simple building materials

Don't chase brands for exterior or interior decoration. Instead of tiles in the kitchen or in the toilet, lay linoleum, and replace stretch ceilings with foam plates.

34. Choose your interior style wisely

The minimalistic design of a house or apartment is a guarantee of the absence of unnecessary furniture or finishing touches. Choose styles where floor, ceiling or wall finishing is not required at all, such as loft or industrial.

35. Do part of the repair yourself

This applies to redecoration when you have a little painter or plasterer skill. And it is not difficult to glue wallpaper, fold laminate or assemble furniture if you watch a few lessons on Youtube.

Saving on Shopping 2021

Saving on Shopping 2021

Savings is the watchword nowadays: the economic crisis has forced many people to a more contained lifestyle in which there is no longer the economic availability and purchasing power of once upon a time. Saving has become a necessity, even for the most basic areas such as food shopping.

In this guide on how to save on shopping, I give you 20 tips and tricks that you can use right away to decrease your expenses, I list 10 apps to install on your mobile phone to find the most advantageous offers, I give you some tips on what to eat and where shopping based on the type of product.

20 tips and tricks
Buying food isn't exactly optional, but by following these tips you can save a lot of money:

1. Before going out, check what you have in the fridge and pantry

It often happens that you go to the supermarket and don't remember what you have at home: so you end up buying "duplicates".

2. Eat before you go out

Studies conducted in recent years have shown that, by going shopping for food on a full stomach, you are more aware of what you literally need. Going hungry, on the other hand, is more likely to grab anything.

3. Make a shopping list

It doesn't matter how good your memory is. The list gives you the certainty of not forgetting the things you need and will discourage you from buying the unnecessary things.

4. Don't take children with you

While sometimes you can't avoid shopping with children, it's best to try to shop when they're not around: they often ask you to buy things you don't need and it's not always easy to say no.

5. Look for discount coupons and coupons

When you buy something, they can sometimes leave you with shopping vouchers or coupons. There are also various websites that deal with their own, also in collaboration with the various brands, to distribute coupons and discount coupons.

Take some time, print all the coupons you need and present them at the cashier: don't feel guilty about the person who is in line behind you and you have a wedge of coupons on the cashier. It is really worth seeing the final bill decrease thanks to every single voucher used!

6. Get straight to the point

Supermarkets often have important things right at the end of the store. So, for example, if you buy a lot of fruit and vegetables, then first of all go to the fruit and vegetable department, without going through all the departments.

7. Buy individually or in packs

When you mostly buy fruit and vegetables, remember that buying them already clean and packaged could cost more. Other times, however, buying in packs could be cheaper, by virtue of specific offers.

8. Do not buy pre-washed and pre-cut vegetables and fruit

Remember: ready-made packages cost more because you pay for the convenience. Buy a classic lettuce and wash it in the tap - you won't notice the difference.

9. Don't be tempted by brands

It is not always said that a brand advertised on TV is the best. Take the trouble to read the label, ingredients and compare prices.

10. Look at the low shelves

It is a precise marketing choice. You must know that exhibiting your products in a supermarket can have a cost: the products of the companies that pay the most are placed in the middle of the shelf, so where it is easier to be seen.

Those who pay less are almost always at the bottom. And usually the prices are lower too. Do some exercise as you may often need to get down on your knees to find the last shelf offers!

11. Stock up

When there are major products on offer, take advantage of it. For example when your olive oil has 2X1, or the tomato sauce is 50%. If there are products you use a lot and are on offer, stock them up (at least for a month).

12. Consider dried pulses

If you are among those who buy canned or canned legumes, know that you would save much more by buying them dry. Maybe you think they are difficult to cook: it's not like that and then you can make a lot of them and freeze them. The flavor of self-made legumes will have no comparison to canned ones.

13. Stay away from prepared foods

Don't buy something that's pre-cooked. Check the ingredients and buy them individually. Something prepared by you will be much more genuine and cheaper.

14. Eat seasonal produce

Prefer seasonal fruit and vegetables. Strawberries in January cost a lot! On the other hand, when spring arrives, being very widespread, the price drops a lot. Do this for all fruit and vegetables. Over time you will learn which vegetables are for each season: you will realize it because in those periods the price drops. And not a little.

15. Buy spices and exotic foods only in specialized stores

If you go to the supermarket and buy spices or exotic foods, you will probably pay twice as much as in international markets or shops. They are now in most cities: search Google Maps for the international / Chinese / Indian / Thai store closest to you and go stock up!

16. Buy the seedlings and not the twigs

If you have even one balcony, buy the basil, mint, rosemary, etc. plant. If you buy the twigs every volt you are throwing away a lot of money without realizing it.

17. Grate your cheese

Pre-wrapped cheese costs more. Make an investment: buy a small grater.

18. Don't buy potatoes in bulk

A potato crate often turns out to be a bargain. Compare the prices per kilo with those of the bag.

19. Go shopping weekly

Don't go grocery shopping too often. Rather, try to do the "big shopping" only once a week or two and then buy only the highly perishable items daily, such as dairy products or bread.

20. Collect points

At the end of the shopping, ask the house if there is a collection of points and have the catalog delivered.

The 10 Rules and Tips to Save on Shopping

The 10 Rules and Tips to Save on Shopping

Saving is the desire of any person, even more so in this period when the general economic situation is not the most optimistic and many families are forced to use their heads and calculators to reach the end of the month with serenity. One of the crucial moments is certainly the moment when you have to go to the supermarket where it is easy to get carried away and be convinced by the numerous “irrefutable” commercial proposals. So let's see some important rules on how to shop while saving.

Establish a budget in advance

Knowing the maximum limit for your shopping will allow you to pay more attention to the prices and quantities of things you put in your cart. Everything that is not essential will magically be left on the shelves and it will be easier to make a choice of the most important products.

Prepare the amount in cash

Digital currencies have eliminated the perception of the physical value of money. Using credit or debit cards does not allow you to perceive in a clear and "physical" way how much you are actually spending on shopping. There and then you think you have been paying attention and have saved on your shopping, at the end of the month the account statement will arrive and there will be nasty surprises. Having in hand the nest egg to spend, without any alternative that allows us to go beyond, is another important limit that allows us to pay much more attention. Nobody likes to go to the cashier, have no more money to spend and then be forced to leave something there, right?

Going out fewer times to do the shopping

Another curious method on how to shop to save is to simply not shop. No, I'm not crazy. It sounds trivial, but reducing the number of times you go to a supermarket is an effective way to see your shopping costs drop. Fewer trips to the supermarket means fewer temptations and fewer opportunities to spend money on products that are not always as useful as you think.

Plan the menu to save on food shopping

Much of the money we spend on shopping goes away for food. However, there are numerous recipes to save on spending, trying to throw away the bare minimum and reusing as much as possible of each dish. We had shown you all the ways to recover leftover rice with tasty and cost-effective recipes. Furthermore, knowing already what you want to cook every day before going shopping allows us to outline everything that is useful and necessary, avoiding putting products in the cart for desire. All wisely divided between meat, fish, vegetables and everything you need, without anything escaping the control of the cost of shopping.

Track offers, flyers and coupons

The television has cleared the weather to save on spending with coupons but in our part it is not so easy and usual. Coupons are not as easily found as in America and they work completely differently in our country. However, in Italy paper marketing made up of flyers is still very strong and keeping up with them allows us to always be on the piece with the relative advantageous offers. What we need to do is be sure to receive flyers from all the closest supermarkets in order to choose in a targeted and scientific way where to go to retrieve every single item of our shopping list.

Buy seasonal products

It shouldn't come as a surprise but it's always good to reiterate the concept. Buying seasonal fruit and vegetables is healthier and, above all, costs much less. Download a table of everything that is in season and use it when you find yourself deciding on the menu and making the shopping list.

Pay attention to deadlines

Running out of your food shopping stash is enormous damage that you absolutely must avoid. Buy products making sure that they do not expire shortly thereafter and always try to order them in the cupboard by always putting in front of your eyes those that expire sooner. Throwing out expired products is a double damage (and expense) that we must absolutely avoid to avoid affecting the economy of our home.

Avoid shopping with hunger

Don't laugh, it has been proven that shopping with hunger is a considerable problem. Exposing yourself to so many temptations on an empty stomach increases the chances of you giving in to some unexpected purchase and, we repeat, every unexpected purchase weighs on the final receipt. So try to plan a snack before the scheduled exit for low cost shopping.

Use the various applications sites dedicated to saving on spending

The web is full of applications and tools to help you save money by shopping. Digital flyers, apps that report offers, price aggregators: there is really anything to get help from technology not to spend money. It is just a little bit of effort to understand which of these are real aids and which ones are just trying to direct us to certain products or services.

Learn to do things yourself

Everything that is homemade costs less so it is worthwhile to roll up your sleeves and try to do things at home. Think, for example, of pasta: a half kilo packet of trofie can cost you even 4 euros when you need 1 kg of flour, half a liter of water and an egg to make it in industrial quantities (and not everyone puts it). It's all about finding the will to do it. Plus it can be a nice way to spend time with your family and children.

And you? What techniques do you use to save on your food and non-food shopping?

How to Save on Food

How to Save on Food

The most significant expense for families, after the house, is certainly food. Saving money on supermarket purchases, however, is possible, and a lot.

First of all, it is important to choose well where to shop, and which products to buy: in discount stores you can find excellent products, even branded ones, and at very competitive prices, but also in shopping centers and normal supermarkets, just paying a little attention to the relationship between quality and price, you can shorten the receipt without giving up anything.

Another element not to be neglected to save on food and avoid waste is the control of the expiry date of the product you are buying: in addition to having a better taste, in fact, and to keep its nutritional characteristics unaltered, a food far from the deadline recommended for consumption, it does not risk being "forgotten" in the fridge only to discover when it is opened, with disappointment, that it can no longer be eaten.

As for fresh products, which in any case would be ruined within a couple of days, it is an excellent idea to use the freezer: from bread to vegetables, from meat to cooked foods, it is possible to keep the food until the time of consumption without deteriorating or changing its flavor. The microwave oven is very convenient for quick defrosting, but we recommend that you take out what you intend to eat a few hours in advance and let it defrost naturally at room temperature.

Finally, how to behave when something is left over? Almost never at dinner you want to finish what is left in the fridge from lunch, so you forget it and often dishes that are still good are thrown away.

There are, however, some excellent recipes for using leftovers to create new and delicious dishes: did you know, for example, that with spaghetti already cooked and seasoned you can prepare a delicious pasta omelette, or that by blending meat left in a pan, even chicken , and adding a few simple ingredients you get some delicious meatballs?

Many recipes and advice can be found on the internet, but the best dishes are the ones you create with your imagination, depending on what the refrigerator at home offers you every day. In short, saving on food is not that difficult and can also become very tasty.

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