In this day and age, saving is one of the best ways in which we can secure our future and stay on top of our financial health. With prices mounting up and money becoming more hard to score, however, it can feel like your personal finances are running away from you, forever just slightly out of reach. If you’re looking to save a few extra pennies while still living your normal routine, then it pays to switch up a few of your daily habits. Saving doesn’t have to mean scrimping and by introducing these simple changes, you can save the extra pennies and make the most out of your money. Are you ready to get thrifty?
- Carry Large Bills
Paying with cash can sometimes be a very bad thing indeed and for many of us, we’re more likely to fritter away the extra pennies in our wallets rather than saving them for later. If you prefer to pay with cash but want to cut down on your spending habits, try shopping with larger bills. Carrying notes in higher divisions will make you less likely to break your bill and when you do, you will be more likely to hang on to the extra change. When you can see exactly what is it that you’re spending, you’re less likely to cough up the extra money.
- Make Large Purchases Later
When your monthly pay packet comes it, what do you do? If you’re like most people, then you might go on a shopping spree, picking up those extra bits that you had been eyeing up over the last couple of weeks. There’s good reason, however, why you should hold off on your purchase. Waiting until the end of the month to make a bigger purchase will mean that you only spend the money that you absolutely need to survive during the month, helping you to make fewer frivolous purchases. If you’re shopping for a bigger purchase, such as a car, you could be in for even better luck; most sales reps have targets they have to make each month and they’re more likely to cut the price to make the sale later in the month than they are at the beginning.
- Brew Your Own Coffee
Coffee is one of the most common daily treats that we all allow yourself but by the end of the month, our daily habit can cost us a great deal more than we might have at first thought. If you can’t kick your daily coffee but want to cut down on your spending, try brewing your own speciality blend. Home brewing costs a fraction of what drinking out will cost and it means that you can make your cup exactly as you want it. Simple!
- Buy A Water Filter
Want to drink the best water you can? Those bottled varieties might be sourced from the finest springs, but over time, they can cost a huge amount of money. If you simply can’t give in to the tap and want to stay hydrated, try investing in a water filter. Many jugs are small enough to fit inside your fridge, keeping your water pure and chilled all day long. It might be a simple change but over time, you will notice the difference that it makes.
5. Paint Your Roof White
Fed up of your mounting electricity bill? It might time in which to paint your roof white. Studies have found that brighter ceilings can significantly cut down on electricity bills due to the heat-reflecting power of the color. The brighter your ceiling, the more easily it can bounce the light and heat around your home!
- Ask Before You Buy
If you’re looking for a discount on things like your gas bill, phone plan or car payments, then sometimes the best idea is just to ask for what you want. While savings might not be listed on a company’s information, many of these businesses can arrange a deal in order to lower the amount that you pay throughout the month. No matter how small, don’t be afraid to ask; every saving helps!