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Take a hard look at how much you are spending day to day. Every time you spend money, write it down as it happens in a little notebook or log it into an app.
Alternatively, use the envelope method. Make an envelope for each of your non-fixed expenses, like groceries, clothes, entertainment and budget a certain amount of money for each envelope. When an envelope is empty, you have no more money to spend until the following month.
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Get a cheaper living situation: Live in a smaller house that needs less stuff to fill it or get a roommate.
The personal finance rule of thumb is to spend no more than one-third of your income on rent.
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If you can read, you can cook. If you can read and cook, you can use meal planning and prep to save time, money, and improve your health.
Base your menu for the week on two things: what you already have in the house and what is on sale at your supermarket.
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Poor people buy cheap clothes that have to be replaced much more often than the more expensive clothes rich people buy. In the end, poor people spend more money.
Buy quality. Spend the most on the things you will wear the most. Take proper care of your things too, so they last longer.
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Cheaper clothes usually mean cheaper material and bad resistance. But quality doesn’t have to be expensive. You can find secondhand quality clothing items in special stores or online.
Just don't...
Spend time researching how different items are supposed to fit.
Because one of the reasons we jump into buying new stuff is that nothing from out closets seem to fit right.
Don't buy clothes for a fantasy you. Because you may end up with a huge wardrobe with nothing to wear.
Take into account how you spend your daily life, how many similar items you already have and the time of the year (warm, cold) when making new purchases.
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You don’t have to spend money on the big brand names.
Your local grocery or drug store might have a store brand or sell a generic version. In most cases, the ingredients are pretty muc...
You do not need a professional mechanic to sort out many of the simpler car problems.
There are all sorts of easy and helpful instruction videos available to repair or maintain your car for cheap.
We are more susceptible to buying stuff we don’t need when we are hungry. The same goes for a leisurely grocery trip.
Make your shopping trip when you have other errands to do and a limited time to do them. You will be less likely to spend time exploring and picking up items that you did not originally plan to purchase.
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It is more efficient to brew one cup at a time and you can choose from a great variety. However, it can be very costly. The excess packaging also causes environmental problems.
Popcorn is a great, healthy snack.
Instead of buying popcorn in microwave bags, one can also pop corn at home for much less than the bagged kind.
Bottled water drinkers give 3 main reasons for their choice: