Make More Gifts For People

Make More Gifts For People

Rather than splashing out on expensive gifts for people, cut expenses and make your own cards and presents—at least for some people. 

The gesture won’t be forgotten. Plus, everyone knows the gift of time far outweighs the gift of money.

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Saving On Food

Set aside a few hours on Sunday and make different dishes for the whole week. Then, freeze them and you won’t be tempted with takeaways or packaged meals midweek.

Doing so takes time but taking your own food to work will save you a lot over the course of the year.

Changing Your Attitude To Save Money

Be grateful for the money you have rather than complaining about not having enough. A simple change of attitude can help you to manifest more money and cut expenses.

You can also tell your friends and family that you want to cut expenses and let them know you are tempted to spend more than you intended. It’s even better if you can open in the effort to save.

Avoid Loans

Do not take out any payday loans as their interest rates are too steep.

Also, if you have a large overdraft, chances are you’ll spend it each month if you’re not careful with your money. If you’re scared to lose the overdraft completely, halve it and see if it makes you any more cautious with your money.

Reevaluate Recurring Bills

From time to time, research alternatives to your current recurring services to ensure you are getting the best deal, but keep in mind that the cheapest isn’t always the best. Pay special attention to gas, electricity, insurances, phone, and the Internet.

Pay For Things With Cash Only

Allow yourself a certain amount of money each week and spend only that amount. 

Unless you’re constantly checking your finances, it's hard to keep track of what you spent when you pay with your credit or debit cards.

Cancel Your Gym Membership

Get on your bike, jog around the park, and lift weights at home. You could even organize regular work out sessions for free with others who want to ditch the gym and save money. 

Saving on Transport

Cycle or walk to work to save money and get fitter. If you’re on the lazy side, invest in an electric bike to help you up those hills in the morning.

Also, if you normally drive to work alone, see if there isn’t someone who lives near you so you can carpool and save on gas.

Saving Loose Change

We tend to carelessly spend small amounts as individually it doesn’t seem like a big expenditure. But you should be aware of, write down and control these expenditures as they can add up to big sums.

You can also throw your loose change into a jar, then count it up at the end of each month and see how much you’ve saved.

Save By Shopping Alternatively

Buy the unbranded products in the supermarket. You may only be saving pennies per item, but there really isn’t much difference in the taste.

You can also sign up to deals websites and newsletters, and save money on theater tickets, holidays, restaurant meals, and much more.

Saving On Beverages

If you normally buy takeaway coffee, buy a flask and make your own coffee instead.

Also, if you go out for drinks often, try cutting back or going alcohol-free for a month to see how much you save.

Saving On Electricity

Turn your lights off when leaving the room. If you live with forgetful people, place little stickers by the switch to give people helpful reminders.

You can also replace bulbs with energy-saving ones.

Saving On Self-Care

Simplify your beauty regime and ditch expensive creams. All your skin needs is a good diet, plenty of water and hydration.

Also, brush your teeth twice a day and don’t forget to floss. Having teeth issues leads to expensive dental bills.

Save With Used Things

Selling or trading your unwanted things will free space in your house and even allow you to make some extra money.

You can also shop in thrift stores. You can get designer items for pennies; you can find cheap tat and upcycle it for next to nothing, and find one-off clothes you’d never find on the high street.

Saving On Cleaning

You can make your own cleaning products; for example, vinegar and baking soda work wonders for cleaning your drains; spray lemon juice on surfaces to get rid of stains and streaky grease marks, and use vinegar to scrub up wooden flooring.

You can also buy a dry cleaning kit and a spot remover pen if you regularly use dry cleaners.

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  • Create a full inventory of expenses in front of you: Categorize them into fixed and variable; urgent and non-urgent; necessities and luxury; avoidable and unavoidable.
  • You can create a hierarchy of needs and decide which one’s to address first. It’s all about prioritizing. 
  • Accept that you have limited resources and unlimited wants. But you have to manage your resources. The sooner you accept this fact, the better you can control your impulses towards avoidable expenditures.

Financial planning for Beginners - Top 10 Golden rules

Both saving and investing are important, but they are not the same. While both can help you build a more secure financial future, customers must understand the differences and know when to save and when to invest.

Savings are usually placed in low-risk savings account. Those looking to optimize their earnings should aim for a savings account with the highest annual percentage yield (as long as they can meet the minimum balance requirements).

“First and foremost, both include saving money for the future,”

Both savers and investors recognize the value of getting capital set aside.

Should You Be Saving Or Investing Your Money?

Savings and investments should be part of a monthly budget even when young or just starting a career.

You cannot save enough if you are waiting until your late 30's before thinking about savings and investments.  Then credit cards and loans will drag the savings with added responsibilities like marriage, children, care of parents, etc.

Retirement Planning and importance of Retirement Plans

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