- Be careful where you keep your money
You may have been in your bank for many years and it is comfortable for you to continue there, but there are many banks that charge very expensive and sometimes abusive fees and interest. Research and analyze other banks to see if there are better options for saving money.
- Make it a goal to save money
The first step to saving money is putting your mind to it. It is true that many times we can propose things and then halfway we can throw in the towel. But you start with something: you have to set goals.
- Save a fixed amount each month (even if it’s a small amount)
Once you decide that you want to save money, you need to move from thought to action, that is, start saving. You may save if you save some money every month, even a little, and if you schedule your expenses in advance on a weekly basis.
- Don’t use a card
The card can be a useful tool when shopping, but it can also cause us to have an unrealistic perception of the money we have and spend. It’s better to leave home with just enough money than to overspend on the card.
- Think about what you spend
Do not buy to buy, but you must buy things that are useful. It’s okay to buy some shoes, but use them and don’t buy them on a whim. You can spend a lot of money on unnecessary things. By the way, if possible, avoid shopping hungry.
- Wait to make the decision
A good strategy to avoid buying unnecessary things is to wait to make a decision, that is, to think with a cool head. Analyze the pros and cons of your purchase, do not get carried away by the aesthetic packaging of the products (television ads, marketing campaigns, street maps, etc.)
- Put the money in an envelope
It is always good that you calculate more or less what to spend per month. While I have already mentioned that it is better not to use the card, it is also good to have the money you think you will spend in a month tucked into an envelope.
Do not spend to spend, but it is better that you compare offers. For example, if you are going on a trip, there are many websites that compare prices for you.
- Use the customer card
Many establishments offer small discounts and gifts for their customers. It is always good to have these types of cards, even more so if you go often to that place. But be careful, it could happen that this card leads you to buy more than you need.
- Think about old age
It may cost you to save if you think in the short term, but it will be easier if you think in the long term, to reach that age without financial problems. The third age is a stage in life in which we no longer work, and everything that we can save throughout our lives will be of great use to us.