The new year is almost here, and that means that it’s the perfect time to start making some changes to the way that you manage your money. Of course, you don’t necessarily have to wait for January to arrive before you make a difference to the way that you spend. Sometimes, you can save a fortune just by making little changes to your routine and allowing your budget to stretch a little further.
Today, we’re going to share some of our favorite tips for
getting the most out of your monthly pay, so you can have more cash left behind
for your savings.Make your Own Coffee
A lot of people get into the expensive habit at stopping at
a coffee shop on the way to work every day. When you’re busy, it just seems
easier to go through a drive-through or pick something up from a café close to
work when you need an extra java kick. However, the truth is that you’ll save a
fortune, and reduce the impact on your health if you make your own coffee
instead.
Learn how to brew your favorite recipes and look into buying
your very own coffee maker so you know you’re going to get the best flavor.
Even if you have to get out a bad credit loan so you can buy a fancy coffee machine, you’ll save more in
the long-term.
Use your Garden
Use your Garden
If you have your own home with a little outside space, then
you might be able to cut the amount you spend on things like fruits, vegetables
and even herbs, by learning how grow them yourselves. There are a lot of foods
that you can grow with very little skill or space, such as tomatoes and
strawberries. Even growing fresh herbs on your windowsill can make a huge
difference if you don’t have much of a yard.
You could even consider planting some trees soon after you
move into your home. Those trees can provide you with fruit, and they’ll give
you some extra shade, which boosts your energy efficiency ratings.
Try the Store’s Own Brand
Try the Store’s Own Brand
Are you still one of those people who think that they have a
favorite brand for everything? More often than not, the pasta that you love
more than any other kind of pasta will taste exactly the same as the budget store brand version when it’s cooked. What you’re really paying for is the
marketing and packaging that the company you love has been using to convince
you to buy their items.
The store brand of a brand is almost always cheaper than big
name brands, and you’ll often find that switching doesn’t change much for you
or your lifestyle. Try changing just one product a week to get started.
Make your Own Cleaning Spray
Make your Own Cleaning Spray
We all want to live in a beautiful, clean and hygienic home
– but spending a fortune on cleaning products can really wipe out your budget
each month. Fortunately, you can make your own cleaning products instead, and
save a fortune in the process. All you need is an old empty jar and equal parts
vinegar and water. Add in some citrus peels from a lemon, lime, or orange to
give your spray a slightly nicer smell and leave it sitting for a week. You
might need to strain the resulting product before you put it into a spray
bottle, but you’ll end up with a pretty effective cleaner that’s only costing
you a few cents.
You’d be surprised how much a home-made cleaner like this
will work for, and you won’t have to worry about the impact of chemicals on
your furniture either.
Delete Payment Info from eCommerce Sites
Delete Payment Info from eCommerce Sites
Finally, if you’re the kind of person who’s always haphazardly buying things from eCommerce stores – particularly after a
couple of drinks, now is the time to delete your data. It’s way too easy to buy
things online today. Some companies, like Amazon, allow you to buy piles of
products with just a couple of clicks.
Deleting your payment info will simply mean that you have to
go and track down your card and enter all the information again the next time
you want to buy something online. Adding this extra step to your digital
purchases could be enough to prevent some of your impulse buys. It won’t stop
you from purchasing the things that you need, but it will give you enough ti8me
to think twice about the items you don’t really want.
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