20 easy ways to save money fast

The content of the article

• Use credit cards wisely
• Do not use third-party ATMs
• Make payments automatic
• Use the library
• Look for discounts and coupons
• Work as a volunteer
• Make a gift spending limit
• Buy quality items
• Have a day of saving
• Take food to work
• Visit restaurants less often
• Make a weekly meal plan
• Analyze discounts
• Drink water
• Cook more
• Take care of your health
• Buy medicine wisely
• Apply for a refinancing loan
• Review utility bills
• Hang curtains

To always have free finances or save up for a vacation for several months, you need not only to make good money. This is real even without an increase in income. The home economy is based on the rule of rational approach to spending, which is easy to learn in a short time..

Use credit cards wisely

This causes difficulties for most people, on which banks win. Financiers advise resorting to a credit card in exceptional cases and pay off debts at the end of each month. This will reduce the interest that will have to pay extra. If you can’t compensate for the time spent, try to reduce the debt to the lowest possible amounts. This will again be a percentage savings.

Do not use third-party ATMs

You can withdraw money in them if they belong to partner organizations. Many large banks conclude an agreement due to which the issue of cash does not imply interest. Other operations are dangerous for the budget: transfers, payments, loan repayments. All of them involve a commission for the service. Over time, large sums of money.

Make payments automatic

The first answer that experts give to the question “how to save money.” Many of the payments have a deadline for payment. When it passes, the organization begins to charge interest – a percentage of the expectation. Often the longer a person does not pay, the higher this amount. If you can’t remember in time about the need to transfer money, connect the auto payment.

Use the library

This simple idea of ​​how to start saving money is suitable for fans to regularly read something new. Instead of constantly spending money on books, even without confidence in their quality or relevance, visit local libraries. Hot news rarely appears in them, but the rest is almost always.

Look for discounts and coupons

Many organizations (theaters, cafes, galleries) offer customers preferential visits. They make discounts on certain hours or days, by age (students, pensioners), for commenting or subscribing to a social network, participating in an e-mail newsletter. At some events, “last minute promotions” arise several hours before the end of the sale of tickets. Thanks to this, it’s possible to lead an active cultural life inexpensively.

Work as a volunteer

Such a role at local events also helps to stay in society without spending a lot of money. For a person who works as a volunteer, they offer free admission or discounts on individual services. Less often, the organizers additionally pay extra for such activities, so it’s even possible to enrich your wallet and put the money saved into a useful channel.

Make a gift spending limit

To save the family budget, every year or 3-6 months, review the amount of free finance. Determine the amount that you are willing to painlessly lay out on gifts to each other, friends, relatives. This will reduce the stress of spending money and save from unnecessary squandering..

Buy quality items

It is better to pay a large sum once and know that the next 5 years, the selected pair of shoes will be worn perfectly than to change shoes every six months due to its poor quality. In the second case, you will overpay more, trying to save on a cheap product. The idea does not work only with children’s clothes: the child is growing rapidly.

Have a day of saving

During the day, do everything so as not to spend money in any direction. Eat at home, choose free activities for leisure – cinema with your family in the living room, a walk in the open park on your skates, bicycles or with the existing badminton kit. Try to arrange such a “budget” day every week. The main thing is not to “compensate” for his purchases the next day.

Take food to work

Often, in order to save money, you just need to get rid of the habit of dining somewhere in a nearby cafe or restaurant. You don’t notice how a cup of coffee and a business lunch become a large sum by the end of the month. Allocate 30-40 minutes in the evening to cook something simple the next day.

Visit restaurants less often

Going out to “pleasantly and tastyly sit” outside the house is advisable not more often than 1-2 times a month if you intend to increase your savings. Cooking a similar dish yourself is much cheaper than ordering it in a restaurant. When visiting such places, remember why you decided to save, and try to get by with a minimum check.

Make a weekly meal plan

This is advice to anyone who asks how to save money by going to the grocery store. Decide on what you will cook during the week, clearly describe the costs of the components. Try to use existing houses so that they do not disappear and the shopping list does not become too large. Act strictly according to plan in the store, and 1-2 small spontaneous purchases “for tea” will help minimize stress.

Analyze discounts

Often a person collects more goods at a store in a store, thinking that he is saving. Only the opposite effect can be obtained if 100 grams at a discount cost 200 rubles, and 1 kg without it costs 900 rubles. When converted to a unit of goods, it turns out that it is cheaper to take a large volume. The advice is relevant for things that you have to regularly buy: household cleaning products, hygiene items.

Drink water

This is not only one of the important health factors, but also a way to save your personal budget. Choose water instead of soda, alcohol and other drinks in restaurants, at home, on a walk with friends. It is cheaper, and in some places even free..

Cook more

Having made 4 servings of soup at a time instead of 2, you will spend 20-30 minutes more time. In the next 2-3 days there will be an opportunity to eat without thinking about cooking. If you cook the same dish every day, it will require more resources, including time, electricity, water and other little things. Extra portions can always be frozen.

Take care of your health

It’s cheaper to prevent the disease than to cure it. This is especially true for the fight against chronic diseases and dentistry. Regular dental examinations and the elimination of lung caries will be cheaper than the treatment of acute inflammation and restoration of damaged areas.

Buy medicine wisely

Compare prices at different pharmacies: it’s easy to do online. Often, online orders are cheaper, even if you collect several items for the minimum amount. Try to buy medicines out of season of epidemics – prices begin to wind up, you overpay heavily. If possible, choose generics – they work like expensive drugs, on the same components, but cost less. Just discuss their choice with your doctor.

Apply for a refinancing loan

If you can’t do without loans at all, you borrowed money from a financial institution, look at the programs of different banks. Some of them offer low rates for a new loan so that it helps to quickly cover the old one. You will win on the difference in interest – it can reach tens and hundreds of thousands of rubles.

Review utility bills

It is really possible to save money here if you put meters on electricity and water. Payment will be lower than at average rates. Examine your receipts and determine on which points it is still possible to reduce costs – do not turn on the lights in the whole house at once, do not leave a working TV where you are not, make sure that the taps do not leak.

Hang curtains

Dense and dark curtains protect the room from the bright sun and help keep cool in the heat. The presence of curtains allows you to save on electricity, because you do not have to turn on the air conditioner. Minus – when the heat is standing for weeks, and you can not do without airing the rooms, curtains alone are not enough.