17 Quick Tips To Save A Lot Of Money.

How would you like to save some money?

Silly question ! You work hard and if you read us it is because you want to save as much as possible!

There are plenty of tips to save your money without wasting time.

Here are 17 simple tips to help you save money. Let's go :

1. Use software to save

Today, with computers we can automate everything.

So why deny it?

It allows you to take a weight off your shoulders and in addition you save time.

Saving money is a snap if you have an online bank.

Simply program an automatic transfer from your checking account to a savings account each month.

Even if the amount is very small, the most important thing is to get started!

And if you have an iPhone, we recommend the Daily Budget Original application.

This very easy-to-use app will make it easy for you to manage your budget and help you save money. Download it here for free. There are similar smartphone apps.

To discover : How To Budget Easily When You're Lazy.

2. Plan your meals

When people ask me how we manage to feed our family of 6 for less than 400 € per month, I answer immediately: "we get there by planning our meals".

Planning your meals will save you a lot of money.

It eliminates impulse and unnecessary purchases.

It will also allow you to make affordable and balanced meals rather than buying "what looks good" at the supermarket.

To discover : 27 Things You Can Freeze To Save Money And Time!

3. Plan your meals according to the specials

You don't have to study promotion papers for hours on end to find the best deals.

Just make a general menu without planning the details to be able to take advantage of the good deals on the spot.

For example: one of your dishes could be a meat stir-fry.

In this case, you would need meat, vegetables and a side.

When you get to the supermarket, choose the cheapest type of meat based on the current specials.

Ditto for vegetables. Then choose a side dish like rice or quinoa, looking for the best weight / price ratio and nutritional quality.

To discover : 5 Products You Must Buy Wholesale To Save.

4. Drink more water

It may sound obvious, but the statistics show that it is not that much.

You will save a lot of money if you stop buying soda or juice packs.

Bottled water is cheaper, not to mention tap water which is even less expensive!

There are plenty of ways to filter water in case you aren't a fan of the taste of tap water.

Compare the cost of bottled water or filter solutions and take your pick.

At a restaurant, a family of 6 can easily save between € 15 and € 25 by drinking water instead of sodas.

To discover : 11 Great Benefits Of Water For Your Body That You Didn't Know About!

5. Plan the repayment of your debts

To get out of your debts, it is essential to know how to organize yourself.

There are several solutions, but the 2 most effective are called the "Snowball" and the other "the Avalanche".

How do they work?

For the "Snowball" solution, simply write a list of your debts on a piece of paper from the smallest to the largest.

Then use the smallest penny set aside to pay off the smallest debt in full.

Once you've finished paying that first debt, add a little more pennies to the payment you were making to pay off the next smaller debt.

And so on for the following ones until you have paid off all your debts.

For the "Avalanche" solution, it's the same thing except that you sort the debts by interest rate.

That is, you first try to pay off the debts that have the highest interest rate.

This method has the advantage of getting rid of debts that are growing the fastest each month.

This saves you money on interest, which allows you to use that money to pay off other debt.

To discover : Obtain a Partial or Total Remission of your Taxes with Article L.247 of the LPF.

6. Take a small job

If you are trying to achieve a goal that seems to take longer than you want, why not take a side job?

Oh ! This is only for a while. Just a temporary job to help you get out of a bad economic situation.

If you are in debt, an extra job is the best way to pay off your debts quickly.

Trades in the service sector (serving in a restaurant or delivering pizzas) are the most suitable for this.

Of course, you will increase your working hours, but you will also benefit from tips which are not negligible.

And if you are lucky enough to have an apartment, why not rent a room for a while?

If you can't take an extra job, don't panic! We will see that there are many other solutions to save without working more.

To discover : The 10 Small Jobs That Are Outstanding To Round Out the End of the Month.

7. Question every expense

Before each expense, ask yourself if it is really useful.

Do you really need a TV subscription? What about those newspapers to which you subscribed, but which you do not read?

These two positions cost money and in addition all the ads you go to see on TV or in magazines may well encourage you to spend more ...

In any case, it is certain that certain expenses can be eliminated.

If so, maybe you're paying for a service you don't even know about? To find out, use this method:

To. Write down each of your expenses, including the smallest.

b. Find all those that can be permanently deleted now.

vs. Find immediate solutions to save on the ones you can't remove.

To discover : The 11 Things You Should Never Spend Your Money on.

8. Compare the cost of your insurance

When was the last time you went into your insurance?

I know it's not funny, but you should do it every year!

Be careful, the cheapest are not always the best.

But be aware that you can often get the same coverage as your current insurance for less - just shop around.

Once a year, take the time to look at your insurance contracts.

Call the brokers, check out the rates online, and see if you can't find better. And you will see that very often we can!

9. Use discount coupons carefully

Regarding the discount coupons, there are two schools.

Those who say the time spent cutting them up isn't really worth it in the end.

And the others who say that the savings are still interesting.

Here is my advice: be demanding with discount coupons! Spending hours cutting up coupons isn't really worth it.

But on the other hand, if you have to buy an essential device that is expensive (such as a fridge or an oven), consider looking for coupon codes to pay less.

10. Check your bank statements

Always remember to check your bank statements at the end of each month.

It is not uncommon to have withdrawals from your bank or other institutions that are not justified.

These bank and other charges can easily go unnoticed if you don't carefully check your accounts every month.

In any case, as soon as you see a direct debit that you do not understand, call your bank or the institution in question and ask for an explanation.

Do not hesitate to ask that we reimburse you for these costs on the pretext that it is the first time and that you were not aware.

To discover : How to Send Money Abroad WITHOUT Banking CHARGES.

11. Build up an emergency fund

Creating an emergency fund is essential to avoid having to take out credit in the event of a hard blow.

Why ? Because adding a loan that is difficult to repay a hard blow can quickly turn into a disaster.

Try to have an emergency fund in the amount of $ 1,000. Obviously, if it is too large a sum, it is better to have a smaller emergency fund than not to have any at all.

Even if you only put € 20 per month in your emergency fund, that's already good and you are on the right track.

12. Use the 30 day rule

Before you make a big expense, use the 30 day rule.

What is that ? It is about waiting 30 days before making a purchase.

If after 30 days you still want the item in question, then you may consider purchasing it.

But often you will find that you don't really want or need it anymore.

This rule allows you to avoid compulsive shopping which is mainly due to excitement or your emotions towards a product.

To discover : Money Tip: Wait 2 Days Before Making a Purchase.

13. Lower the heat by one degree

During the winter, lower your heating one degree. You won't even feel the difference.

And the next month you can cool it down one degree again without any problem, because you will have become accustomed to the new temperature.

Note that you can save up to 20% on your bills by lowering the temperature by just 3 ° C.

To discover : What is the ideal temperature at home?

14. Renovate your furniture

Do you want to change a piece of furniture in your home such as bathroom furniture?

Before buying new ones, have you thought about renovating them?

Repainting them can very often be enough to give them a facelift and it will cost you much less.

Nowadays, there are specific paints for all types of media. Choose the paint suitable for your new decor and your brushes.

Never forget the home-staging solution before buying anything new.

To discover : 19 Tips To Make Your Ikea Furniture Chic & Trendy.

15. Buy in the right place

Well-known department stores like Leroy Merlin or Castorama are not the only options for shopping.

Do not forget to look on the Internet as well as in stores near you.

We are used to comparing prices online, but have you thought about comparing them in stores near you? You might be pleasantly surprised.

Some wholesale or end-of-stock stores have very attractive prices. Well no, they don't just sell old-fashioned things!

Often times, when you find what you are looking for, you can save hundreds of dollars or more.

For my part, I found a very nice bathroom tile in one of these stores, at half the price. I walk past every day and I hadn't thought about it. I did well to stop there.

16. Lower your interest rates

If you are in debt, the interest can be quite heavy. And it can push you down even more.

Simply call your bank to ask them for a lower rate.

Often, you will not need to argue, the decline will be done without arguing.

So remember to negotiate with them, they will sometimes be much happier to see you pay less than not to see you paying at all.

17. Cut down on your costly habits

If you're trying to save money, your habits can be your worst enemy.

For example, the cost of cigarettes or alcohol can quickly climb.

If you can't do without it completely, at least try to cut back.

Imagine: if you buy one less pack of cigarettes per week, you will save around 35 € each month.

By realizing the savings you could make by reducing some of your habits, it could open your eyes to another advantage and make you stop them altogether.

To discover : How to Spend a Weekend WITHOUT Spending 1 Euro.

And There you go ! You now know the 17 little tips to save your money :-)

Some of these tips require you to take action and others to stop doing certain things.

In any case, it is important to always know where your money is going, otherwise you have no chance of being able to correct things.

2uandtrilogy.com