I guess it’s safe to say most of us have good intentions when it comes to finances. Regardless of how much we earn, we all want to save for the rainy days. We have peace of mind when we know we have set aside portions of our salary which we can use anytime whenever the need arises.
But by the raise of hands: How many of us actually have enough money in our savings account? Anyone? Yep, that’s exactly what I thought!
If you, like many others, are still struggling to build your savings, the good news here is it doesn’t actually require a big leap to get started. All it takes is a few simple steps towards the right direction and you’ll be able to begin feeling more financially self-reliant.
Here are 6 easy tips you can implement soon:
1. Get a piggy bank.
Sure, it may sound awkward to have a piggy bank as an adult but hey – if it’s the way you can start saving, then it’s definitely worth the shot.
Got some loose change in your pocket? Put them in the piggy bank (or a money jar, whatever works for you!). Do this each day and you’ll be surprised how much you can actually save in a month or two.
2. Control your finances by setting a budget.
Do you follow a budget? It’s a big mistake if you don’t! Proper money management requires setting your priorities straight. A budget allows you to set your limits so you can avoid overspending and unnecessary debts.
Use a spreadsheet or download a budgeting app. It’s a good thing to be fully aware about where your money goes each month. You’ll be more responsible with your expenses next time around.
3. Watch the credit card.
Speaking of expenses, you really have to be watchful when using your credit card. By nature, a credit card might be a convenient tool but if you’re not cautious, it can lead you to a financial pitfall.
Make it a habit to check your bill. In case you see any unusual purchases, report it right away. Sign up for transaction alerts so you can keep better track of things as well.
4. Save on utilities.
Remember how our parents often told us to turn off the lights or water when not in use? Apparently, there is some wisdom in those simple reminders. Wasting electricity and water can indeed hurt your pocket. Meanwhile, being practical in using your utilities can lead to big savings in the long run.
5. Compare prices before buying.
When buying something, it is a good idea to check out prices from other sellers first. This is easy to do these days, especially if you are shopping online, and it can make a big difference. You’ll be amazed with how much money you can save.
6. Take advantage of coupons.
Groceries, restaurants, and, yes, even drugstores distribute coupons for their customers. In some cases, you can also access them online and print them out. Every dollar you save can go towards your savings so this is a great thing to do, too.
14 Awesome Survival Tips That Can Help You One Day
I never knew #10 is possible.
Even when we were kids, we were already taught how to survive in life. For instance, we underwent fire and earthquake drills, so we would know where to go when such catastrophe happens. We were taught to be prepared – to be always prepared.
With how dangerous life has become these days, we thought it would be best to share with you some incredible survival tips. And we are pretty sure they will become very helpful to you one day. They are designed to enable you to make split-decisions even in an emergency situation. Check them out!
#1. Stopping a Car When the Brakes Fail
Homemade Remedy for Coughs Is ‘Better Than Anything’ From The Pharmacy
Anyone who’s ever tried this homemade remedy?
Perhaps nothing can be more irritating than a persistent cough. You know, the type that disturbs your sleep, embarrasses you in front of your boss, and gets in the way of your productivity. It can be truly annoying as it is uncomfortable!
Generally speaking, most of us turn to medication when we get a bad cough. However, there are some instances when a supposedly-effective medicine just wouldn’t do the trick. So we desperately try a different brand and only end up in disappointment after learning that even that isn’t that much of a help in the long run.
So what do you do if you want to experience quick relief? Well here’s a quick hack you might want to consider. ...
DIYer Shares Most Effective Remedy To Stop Car Windows From Fogging Up This Winter
Are you constantly having troubles on car window fog up? Here are effective solutions that might help you.
Cars have gone a long way from its skeleton ancestors to the present day’s hybrid units that are packed with unimaginable features. As vehicles go through innovation, a lot of issues have been resolved to optimize the comfort and safety of driving. However, one issue remains to be a problem despite the high technology wrapped in cars today. The problem of windows fogging up still remains a concern for all drivers, and it seems like no tech will ever make it go away.
Winter is already here and everyone’s once again excited to see the beauty of different cities covered in snow. Road trips will, however, be a challenge since snow will make it hard to navigate the highways and the fog forming on windows will make it extra difficult to see what’s ahead. But even in summer, we also experience a cloudy windshield when we let hot air inside and suddenly turn on the AC.