Saving money is something that we’ve all had to do at some point. After checking your bank account, we’ve all experienced that small thrill of concern before we decide it’s time to tighten our purse strings and cut back. But the question is, where exactly in your life do you start making changes? It can be hard to know what exactly you should cut back on without making your life a whole lot less enjoyable – so here are some tips on where to begin…
Make A Household Budget
The first thing to do if you’re trying to cut back is to figure out what your expenses actually are. Make a household budget using a program like Excel – or if you’re a technophobe then you can definitely do it using a notebook! List your incoming and outgoing for a month, and make sure that you’re being absolutely honest with yourself – include all those Starbucks coffees and that shirt that you didn’t really need to buy and those half price books, because small treats to yourself can absolutely add up. Then it’s time to figure out what you’re spending too much on. Finally, don’t cut out those treats entirely – they’re what make life worth living! Just make sure that you prioritize more carefully.
Go For Thrift Stores
Vintage fashion is the way to go. Not only is poring through vintage stores a lot of fun, but you can also get some great finds in there. Nineties fashion is in at the moment – spaghetti strap dresses over little t-shirts, platform shoes, embroidered denim jackets. Chances are, you’ll find items in thrift stores for the fraction of the price of similar or identical items in Urban outfitter and top shop.
Consider What You Don’t Use
Take a look at your life and figure out what you’re not getting much use from. Maybe you’re paying insurance for a car that only gets used once a week, or you have a gym membership that never really gets used, or you have a closet full of clothes that you never wear and that you could sell on eBay. Whatever isn’t useful in your everyday life is something that you really don’t need to keep.
Check Out Deals
If you don’t already use deals then what are you waiting for? Start cutting coupons out of magazines and newspapers and check out coupons and promo codes from Coupon Sherpa and other similar sites. They’ll help you save a whole lot of money at your favorite stores. When you’re out shopping, make sure that you look out for deals on products that you already use.
Socialize In A Different Way
Finally, it’s time to make sure that you decrease the amount of money that you spend on having fun. That’s easier in the summer than the winter – look out for free local festivals, take your kids to the park with a soccer ball, take your family on a hike with your dog, invite your friends over for food instead of going out to expensive restaurants. There are plenty of ways to have fun without breaking the bank.
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