Everyone has the ability to understand what their means are and how they can manage to reduce some unnecessary expenses to be able to live with their means. The difficult part is of having to make choices and that too, the correct choices.
We now that most of what we earn goes towards the everyday essentials like food, transport and clothing. If we spend a little time becoming aware of where we could tighten our belts a little, that would be a good starting point for managing money. We will start you off with a few possible practical tips on how you could save money - as you keep practicing them, very soon you will find solutions of your own so much so that controlling your expenses well within your means will become almost second nature.
Food
o Did you know that if you eat out, you end up paying almost three to seven times what you would have spent in you had eaten at home. Try to avoid eating out and eat more at home. It is less expensive, more healthy and a great time for the family to get together.
o Large grocery stores as well as food warehouses offer the best deals. Try and avoid the fancier convenience stores.
o Rather than go in blindly for nationally advertised brands, use store brands. They are normally less expensive but offer the same quality.
o Always make a shopping list when you have to visit a store. Impulse buying are big spending leaks and eventually you end up buying things that you do not really need, thought at the time of purchase you may have been absolutely convinced that you needed it.
o Pack a lunch for yourself and your partner instead of always going out to eat.
o Always compare the unit prices of the products. Though the quantities may be different, reduce the price mentioned to per unit. See which product is less expensive per pound, per liter and so on.
o If there are two-for-one kinds of sales on products that you use anyway, take advantage of as many as you can.
o Junk food probably offers the least nutritional value but is fairly expensive. Avoid purchasing junk food like chips, soda or candy as much as you can.
o If there is any sale going on, stock up on items that can stay and that you will eventually need like paper or canned items.
Clothes
o Even if it may not sound appealing, you can find some great quality clothes at garage sales and flea markets.
o Do not throw away old clothes that are still wearable. See if there are any children who would be able to make use of them. Similarly look for grown up children who may have clothes they have outgrown for your own children.
o Thrift stores are another good source for reasonably priced quality clothes.
o Look at 'consignment stores'. These stores will give you good money if you bring in wearable clothes that are still in good shape. You can either take the cash and buy elsewhere or take store credit and buy cheaper clothes in the store itself.
o Do not always try and go in for the latest trends. They are what they are - trends and do not last for long. Sticking with classic wear will ensure that you wear clothes longer.
Transport
o Carpooling is the necessity of this century. Try and find people who can share your ride to and from work.
o If you live near your place of work or study, try to avoid taking the car every time. You could try walking, biking or even skating to school. You will not only save on your fuel costs, you will get some good exercise on the way and help the environment as well.
o Use the public transport wherever easily available.
o Make sure your car is properly maintained and tires are properly inflated. This will ensure that your car runs smoothly when you need it and you have to spend less money on it
o Keep note of the gas stations that offer lower fuel prices and try to refill your car at those places rather than at more expensive fuel stations.
o If you are buying a car, purchase one that has the adequate mileage for your purpose.
o Even if you possess car insurance, you should check up out other deals every year or two years to make sure that you are getting the best deal possible.
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