Ways to save money
If you want to save money then planning first is the key to success. It makes saving easy if you have a sound plan, here are some steps that can be followed to save money.
1. Track your expenses
You can start saving money by just figuring out that how much you spend in a month. Just take a pen and paper or make spreadsheets or you can use some online tracker or apps where you can record your spending to keep track of all your data. Once you have your recorded data then organize them by categories.
2. Include saving in your budget
If you know what you spend in a month then you can create your budget. If your budget shows which expenses are exceeding your income then you can plan so limit your spending is an specific category.
3. Wait before buying - Say no to impulsive buying
If you are willing to buy something you like, try to wait for a few days so then you may realize whether you need it or not. For example, you went out for some shopping and you saw something that was not on your buying list but you like that thing a lot. In this case, you should not buy that thing immediately and come back home to think about it. If you really think that you need it then you can buy it the next day or on your next shopping visit.
4. Eating out vs. eating at home
Try to prepare most of your meals at home and assess the cost of eating out vs. eating at home. If you want to go out with family or friends and treat yourself then search for local restaurant deals and try to get as much discount as possible using different apps or your bank cards.
5. Saving goals
Setting goals is one of the best ways to save money. Start thinking about the long-term and short-term what you want to save for and examine how much time will be needed for those savings.
6. Saving growth
Do daily check on your progress every month and review your budget by doing this, it will not just only get you to stick to your personal savings but also you can identify and fix your problems with saving money quickly. It might be possible that after knowing how you can save money then you will be able to achieve your goals quickly.
7. Designated savings account
If you want to save your money fast all you have to do is you need to separate bank accounts which means separate the money which you use for your daily needs from the money you intend to save.
8. Automate savings
Try to set up an automated transfer from the account you use on daily basis to your savings account each month if you have a fixed monthly income. By doing this, you can reduce your chance of using your savings funds to cover your daily expenses.
9. Automate bill payment
As we all know companies charge late fees if we don’t pay them on time, so if we will pay them before the due date then there will be no need to pay additional charges. It will be worthful and will also save you time to pay bills. Just know one thing, always set a bill limit so you do not go into a situation where your bill comes up so big by mistake and you end up paying it that will drain all your income.
10. Put a limit on your card
Set a limit on your credit or debit cards that how much you can spend at a time. It could be a way to stop you from overspending. This service is offered by many banks.
11. Get a part-time job
After your job hours, you can do evening shifts at a bar, do pet sitting or work at a restaurant or your favorite place where you would love to work part-time. You can also become a virtual assistant or secure a freelance gig but do not overclock your brain a lot to earn money your mental health is more important than any other goal.
About the Creator
Faisal Jabbar
I am a software engineer and blogger. I used to have my own blog but not I am on Vocal and Quora only.
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