Saving, a Matter of Habits
It is essential to understand that by adopting a series of simple consumption habits, the household accounts can benefit greatly. It is handy to make the whole family aware that saving is a matter that concerns everyone and that each member can do their bit to make the monthly charges less harsh.
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Start with the little ones in the house and teach them that they should turn off the lights when they are not in the room, avoid wasting tap water, or leave the computer or game console on all night.
The same waste can occur through a poorly used heating or air conditioning, washing machines with few clothes, etc. It’s all money that comes out of your pocket!
Make a Shopping List
When it comes to saving in the shopping cart, it will be beneficial to go to the establishments with a list of the products you need. Take a look at the pantry and the refrigerator first and write down what has been finished. This behavior will prevent you from ending up tossing things into the cart that you don’t need, and that causes you an unforeseen and unnecessary expense.
Avoid brands and compare prices to save at the supermarket. Take advantage of coupons and offers, but keep in mind that a discount coupon can often be more expensive than a white label.
Say Goodbye to Unnecessary Services
Many times we racked our heads to figure out how to save money with a low salary, without noticing that on many occasions, the money escapes us due to small commissions and services that, in reality, we do not use.
Look at the credit cards you carry in your wallet and check how much money they charge you for maintenance and interest expenses and make accounts to see if it is profitable for you. By the way, cancel all those that you do not use. It is absurd to pay for something that you do not use.
The same happens with services such as the call waiting for your phone, the number of megabytes you need for your personal use, or the paper bill. You don’t need the speed of a super company to check your email, and you can switch to electronic invoicing. You will save money and be more ecological.
Use online comparators and see if home policies, car insurance, or your mortgage can be improved. In this sense, the war between companies to get hold of customers in times of crisis can be of help to you, and you should not refuse your right to change entities if you get benefits with it.
Make Smart Use of Transportation
Sometimes our car dies of laughter parked outside the door for long periods. If that is your case, you face an essential tip to keep in mind to know how to save money with a low salary.
You must examine if you need the vehicle. Think that the car carries a series of expenses that take a significant toll on the economy of the home: insurance, maintenance, motor vehicle tax, taxes, etc. If you do not use it, it may be more favorable to take public transport when you need it.
Another very profitable trick is carpooling. Nowadays, you can even benefit from some online companies dedicated to connecting people who travel in the same direction. This way, you can save money and meet new people.
By the way, do efficient driving. Over-pressing the accelerator, not going in the correct gear, roof racks, or excess weight can significantly increase fuel consumption.
For short trips, remember to move your legs or go by bicycle. There is nothing more economical and healthy, and it will also allow you to enjoy the outdoors and help the environment.
Take advantage of Thrift Stores
The crisis has also proliferated new types of commerce that accept swap as part of the payment or sell second-hand objects. We all have a handful of things at home that have been sleeping in the storage room for years. Take them out and make the most of them!
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Recycle. Take what you no longer need these types of shops and change it or leave it in storage to be sold. Not only will you save, but you may also even get some money that will come in handy to help if you have a low salary.
Keep your Accounts
How to save with a low salary? There are no mysteries. Apply the principle of not spending more than what you earn and keeping your accounts will help you with the day today. In this way, you can be clear about your finances at all times and establish a principle of priorities that avoid unnecessary spending.
Many apps can help you with this, although making the annotations in a lifelong notebook also works. Take heart, and you’ll see how you can scratch a few euros with these simple tricks.
Adapted and translated by The Cop Cart Staff