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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.
An expiration date on a food item does not mean it can no longer be consumed. Dried goods, such as cereal, uncooked pasta and dried beans fall into this category. Raw meat or bread can be stored in the freezer for some time.
You can also use online databases to look up the actual shelf-life of certain foods and compare them to what the label says.
Credit or debit cards are convenient, but you don't see your shrinking bank balance with every purchase.
If you use mobile banking or money management apps while using your card, and it’s working, keep doing your thing. Otherwise, you might want to consider withdrawing a fixed amount of cash for your spending.
Rather buy better quality clothes that have been gently used instead of cheap new clothing. Cheap clothes break and tear, and then you have to buy more.
If you insist on buying clothing or shoes brand new, find the items you really want and keep an eye open for when they will be on sale.
If you have an energy drink habit due to poor sleep, think of the money your sleep habits are costing you as an extra motivator to change them.
There are a number of health issues that could be causing you to feel drained. Visit your doctor to find out how to fix it.
SIMILAR ARTICLES & IDEAS:
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.
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.
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.
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:
By following the conventional path of "school to loan to university to work" you risk running into serious debt. Being creative is a potential way to lessen or eliminate that.
Maybe finding a different and cheaper way of doing the same thing, doing a yard sale or getting a side job… Put your mind to it and you may find ways to get a financial boost.
When you buy mutual funds, you are charged a purchase fee upfront. This is a one-time payment to the fund management institution. Annually, you will be charged with a percentage of management fees, commonly known as “expense ratio”, which can be expensive.
Beware when advisors at your bank recommend mutual funds to buy. They might be earning a sales commission.