35 Tips To Save Money With A LITTLE PAY.

We all want to save as much as possible our money and not spend it anyhow.

The problem is that we have the impression that it is an impossible mission to do, because it would affect our daily comfort.

Especially when you have a small salary!

Well no ! Saving money is not synonymous with deprivation, quite the contrary.

Saving money means above all adopting good habits and having the right consumption habits.

So to help you achieve this, we give you our 35 easy tips to save even when you have a small salary:

35 Easy Tips To Save Money On A SMALL Budget.

Save on a daily basis

1. Avoid compulsive shopping on a whim and favor thoughtful purchasesrather than compulsive! Wait 24 hours or even a whole week. And you will realize that in the end you did not really need to get the "coup de coeur" product. Master yourself! Check out the trick here.

2. Buy the brands of distributors like Carrefour, Auchan, Leclerc. They are much cheaper and often as high quality as well-known brands. Check out the trick here.

3. Rent tools rather than buying them. If you have jobs to do around the house, don't buy the tools you need. This is a complete waste of money, because you will very rarely use it. Instead, consider renting them on the Internet here for example. It will be much more economical for you and in addition it will save you space.

4. Drink your coffee ... at home! Do a little math. Having your coffee on the way before going to work costs you on average € 2. Multiplied by 5 days it is 10 €. And multiplied by the number of days worked, that's about € 400 a year! By having your coffee at home, you save this amount and can use it for future projects.

5. Wash your clothes in cold water. Why ? Because you save big on electricity! Indeed, washing your clothes in hot water costs up to 18 times more expensive than in cold water. And as detergents are more and more effective, even homemade ones, your laundry is just as clean. Check out the trick here.

Save on shopping

6. Do your shopping after you eat! A belly crying out for famine and entering a supermarket is like bringing the wolf into the fold. Hunger prompts you to spend more. So eat first! Also respect your shopping lists so as not to be tempted by compulsive shopping. Check out the trick here.

7. Be on the lookout for promotional offers. Every day, we receive promotional offers from nearby businesses in our mailbox. Taking 5 minutes to spot the right deals can pay off big. Some apps like this can even help you get the job done.

8. Look up and down the shelves when you shop in supermarkets. Why ? Because the cheapest products are stored at the top or at the bottom of the shelves!

9. Compare the prices per kilo of the items. Your favorite articles often come in several formats. Except that the price per kilo is not at all the same when you buy individually or in a pack. So, take a good look at the labels even if the price is written very small, because you will save a lot of money! Check out the trick here.

10. Never buy pre-cut fruit. These prepared fruits are often double the price of unprepared fruits!

11. Decrease your meat consumption. If, for example, you eat meat 6 times a week, gradually lower your consumption to arrive at 2 meals with meat. Your wallet and your health will get better for it. Check out the trick here.

Save on transport

12. Choose a used car instead of a new car. Why ? The value of a new vehicle can be divided by 2 in just 3 years! With a used car, the coast will decrease much less quickly. Also invest in a hybrid vehicle that will save you a lot on diesel or gasoline, especially with the premiums of the moment. Find out here how to check a used car.

13. Get around by bike as much as possible. By promoting the bicycle as a means of transport, you will do good for your wallet since you will no longer have any fuel costs. In addition, you will be in much better shape! Do not forget to tell your insurer, because less kilometers traveled with your car, these are savings on your insurance premium. Discover the benefits of cycling here.

14. Drive slower. If you reduce your speed just a little from 130 km / h to 120 km / h on the highway, you drastically lower your fuel consumption. And if you are afraid of arriving late, know that over a distance of 100 km, the time difference between the two speeds is only 4 minutes! Check out the trick here.

15. Shift gears quickly. As soon as you accelerate (slowly), shift gears as quickly as possible. The objective is to drive as much as possible at low revs. Why ? Because in 4th or 5th, you consume less fuel. Even in the city at 50 km / h, try to drive in 4th or even 5th, rather than 3rd. Above all, don't get stuck in 1st. Pass the second as quickly as possible. Check out the trick here.

35 Easy Tips To Save Money With A LITTLE PAY.

Save on the Box, TV and phone

16. Choose a mobile plan at 2 €. Often our phone plans are way above our real needs. For example, if I have a landline at home and don't go out a lot, do I really need a big cell phone plan? Take stock of your real needs and cut back on a few options that you have little or no use for. Today there are packages for just € 2! It would be a shame to deprive yourself ! Check out the 10 cheapest plans here.

17. Negotiate your telephone packages, TV package, internet. Negotiating your packages every year is a must! Because your suppliers do not want to see you go. A simple request for a rebate can earn you a lot, especially if you have the same operator for your mobile, box and TV. The competition is such that it is necessary to take advantage of this position of strength to lower the cost of your subscriptions. To take advantage of the best offers, remember to call your operator's termination service directly. Why ? Because they are the ones who have the power to make you benefit from offers that do not exist anywhere else.

18. Combine all your subscriptions with the same operator. Having a telephone plan at SFR, an Internet box at Free and a TV package at Canal +, is the worst strategy to save money ... Group all your subscriptions with the same operator to get great discounts on your subscriptions. Again, remember to call the termination service directly.

Save on expenses for children

19. Limit shopping for gifts at Christmas and for birthdays. Buying lots of toys for your kids doesn't mean they'll be happier! Homemade gifts or second-hand toys will be equally appreciated. In addition, it's good for your budget and for the planet. Check out the trick here.

20. Buy clothes at thrift stores. From around 0 to 16 years old, our children keep growing. As a result, clothes bought 4 or 6 months ago hardly fit them anymore. Instead, focus on buying clothes in thrift stores, it is just as qualitative and especially much less expensive when considering the ratio of time worn / cost of the garment.

21. Buy used books. Books are obviously essential for your children when they are students. But the older we get, the more expensive it is. So get into the habit of buying second-hand books from pre-school book exchanges or school exchanges. You will earn between 25 and 50% of the new purchase price!

22. Avoid going to Disneyland every four mornings. Instead, do activities at home or outside. It's much cheaper and your kids will have just as much fun. Try and you will see! To help you find awesome activities your kids will love that won't cost you a round, we've listed 20 awesome activities here.

23. Involve your children in household chores. Yes, this not only saves you time, but also occupies them for free! And no, it's not slavery if it stays of course in small doses. Find out here how they can help you depending on their age. In addition, studies show that children who participate in household chores do better in adulthood. Find out why here.

Save on travel

24. Go local. Have you ever wondered if you know your region well? Because before going abroad and spending on airfare and accommodation, first visit the nooks and crannies of your territory. You will discover lots of new things!

25. Exchange your homes instead of renting a home. More and more in vogue, the exchange of house between individuals can be a real good deal since it does not make you pay anything! You just have to find the person who wants to come on vacation to you and you to their home. Several specialized sites can help you with this, such as HomeExchang or LoveHomeSwap.

26. If you are going abroad, remember to set up your telephone correctly. To avoid out-of-bundles when going abroad, don't forget to restrict your phone options. Otherwise it may cost you dearly! Refer to your device's user guide or call your provider to find out how to prevent data consumption abroad. Otherwise, much easier, buy a telephone chip abroad. We also have a trick to connect for free to airport Wi-Fi and even to all Wi-Fi in the world. Check out the trick here.

27. Be flexible about your travel dates. Simple but effective tip! If you can, choose flexible departure and / or return dates. More or less 2 or 3 days, that's enough to take advantage of great discounts. To do this, simply check the correct box on the travel site you use, such as Skyscanner for example.

Save on outings

28. Be on the lookout for free activities offered by your city or those around. We are not always informed, but cities very often organize free cultural or sporting activities for young and old! Look at the town hall the schedule and / or pay attention to the communication in your mailbox and on the internet.

29. Organize picnic meals with friends instead of going to a restaurant. A picnic with homemade sandwiches when the weather is nice, nothing could be nicer! So rather than ordering an Uber Eats, organize yourself to share moments of conviviality in the heart of nature. This will also prevent food waste.

Save on your finances

30. Make prepayments on your home loan. By increasing the amount of your monthly mortgage payments between € 20 and € 50 per month, or by making annual prepayments of € 1,000 to € 2,000 per year, those are tens of thousands of euros that you will save on interest on your bank loan. Think about it!

31. Pay off your cash reserves as quickly as possible. Money reserves are practical, but they are excessively expensive with rates around 20%! Repay this type of loan quickly and close these reserves as quickly as possible.

32. Only withdraw money from your bank's ATMs. Bank charges are everywhere if you don't care. One of the first rules to follow when you withdraw money from an ATM is to always do it through your bank's name. Otherwise you risk seeing your banker take you completely unnecessary withdrawal fees. Check out the trick here.

33. Renegotiate your insurance every year. The insurance market is highly competitive. So, take advantage of your insurer's fear of seeing you go to renegotiate your contracts. Remember that the more insurance you have taken out with him, the more you will be in a strong position to obtain a better rate. So, consolidate your contracts! Finally, each year before renewal, identify your real insurance needs. For example, do you really need “replacement vehicle breakdown” insurance if you have a 2nd home vehicle? Removing certain options means saving money on your contributions.

34. Use your employee savings contracts. Company savings contracts (PEE / PERCO) have a great advantage compared to traditional savings ... Because if you pay an amount on it, your employer will also pay an amount of up to 300%. For example, if I pay € 100, my employer will also pay € 300. So I will have 400 € in the end. Awesome, isn't it?

35. Use the 50/30/20 rule to budget. This rule for making your personal budget is essential if you want to be successful in controlling your money and never be in the red at the end of the month. And don't worry, it's a simple rule to put in place every day. Check out the trick here.

Your turn...

Have you tried our 35 tips for saving on a daily basis? Tell us in the comments if it worked for you. We can't wait to hear from you!

Do you like this trick ? Share it with your friends on Facebook.

Also to discover:

44 Ideas To Help You Save Money Easily.

How To Save Money? 6 Little Challenges To Try Right Now!


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