Are you not happy with your salary or do you feel like there is hardly any money left at the end of the month? You are not alone in this – many people complain about not having enough money to live on. The often low salaries and the high rental and living costs mean that the account balance for many is quite low. This article will tell you the best tips on how to save money in everyday life. Newbies in particular can take valuable inspiration with them and implement them immediately.
Shop with cleverness
Did you know that clothes in traditional stores can be more expensive or cheaper depending on the season? Specifically, this means that you can get your bikini much cheaper during the cold winter months than in spring or summer. That could be a huge benefit for your wallet. In this context, it also helps to pay attention to offers. It makes sense to compare the prices of different providers – especially when it comes to more expensive purchases, for example expensive shoes, jackets or electronic devices.
Another important tip is to buy second-hand clothes, which are usually of the same quality as the new goods. But in many cases they are definitely cheaper.
When it comes to groceries, it makes sense to go shopping at the weekly market or from the farmer around the corner. Even if in some cases the price may seem more expensive at first, regular customers often receive a few percent or can take away fruit and vegetables that are no longer as fresh, but still good, for example. Take a look around there and decide where to shop.
Some supermarkets or the weekly market lower the prices of certain foods when it is shortly before curfew. Vegetables and fruit in particular that can no longer be sold the next day can thus be purchased at low prices.
Purchasing supplies or bulk packs can also mean huge savings in any form. Regardless of whether you are ordering from Asia, Turkey, in the wholesale market or on the Internet – compare the offers.
Basically, every time you buy something, ask yourself whether you really need this product or not.
Do you have an overview of your finances?
Most people will say, for better or worse, that they barely have an overview of the finances. If enough money flows in, this is not so bad – but if you have to turn over all the coins twice at the end of the month, then this should be changed urgently. For this, it is practical if you use an app or a household book. Anyone who likes to be on the phone can do all of this from there. It is important that all income and expenses are recorded. After several weeks you will have a good overview of where the money is going and where there is still potential for savings.
Review contracts and keep one-off expenses low
Who does not know it? Every month, many euros flow into any subscriptions, the fitness studio or other courses that are not used at all. If this is the case for you too, you should now take the trouble to check. A bank statement can give you a good idea of what’s going on every month. Terminate all contracts that you don’t need.
It is also important that you check the following contracts:
- mobile phone
These sometimes stay up for years, although there have been much better offers for some time. It is best if these are simply checked once a year. So you can save high costs.
Health problems often translate into high drug costs. While these are important expenses, people with a nutrient-rich diet can take precautions here too. If you have frequent problems with your teeth, you can take a look at the comparison of additional dental insurance. Even if the biannual or annual teeth cleaning costs money, it is important to avoid major dental problems. If you take out good insurance, you don’t have to worry about the financial side of major operations.