The end of the month comes and you realize that the money is not left or even lacked to clear all accounts? Sometimes it is difficult to save, either because money is lacking, because unforeseen circumstances arise, because debt with high interest rates consume money among other situations.
But we want to help you save money, so we’ve prepared a list of 100 different situations to save you like in the supermarket, with electricity, when eating out, during travel, in medicine, in leisure and much more.
Check out our suggestions and put them into practice in your day to day lives for your money to render until the end of the month and your savings gain weight.
How to save on day-to-day situations
1 – Create an expense spreadsheet – list all the expenses you have in the month.
2 – Define how much you can save per month – start saving
3 – Cut small expenses – from change to change spent with goodies you can achieve good savings.
4 – Use public transportation or two wheels – leave the car at home and, if possible, use less taxi. Try to use buses, trains, subway or bicycle.
5 – Store Cards – Take the cards out of the wallet and leave them at home. So you will not fall into temptation at first. In the case of the invoices of these cards, if possible, pay them in the bank. We could hardly get into the store to pay an invoice and leave without buying anything.
6 – Buy clothes and shoes online – in addition to the practicality you can compare prices without harassing sellers.
7 – Pay for the view – Paying for purchases on sight is a great opportunity to better control what you spend and get good discounts.
8 – Discounted part – Buying in debt, credit or money has discount, in smaller percentages in credit, but has. If they do not give you, ask.
9 – Sell what you do not want more – enjoy to get rid of the things you do not use to make a little nut. There are several websites that negotiate the sale of used products.
10 – Borrow – if you’ve been invited to a party and are thinking of buying a new purse, shoe or dress. Borrow it.
How to save electricity
11 – In the dark – do not leave the lights on unnecessarily
12 – Natural light – leave the windows open and explore as much natural light as possible.
13 – Lamps – Replace bulbs with economical fluorescents.
14 – Shower – reduce bath time.
15 – Unplug the chargers – Even when unplugged, the charger continues to consume power when it is plugged in.
16 – Turn off the devices – when the devices are in stand by, the light (red, green or blue) that indicates that it is connected to the mains consumes energy.
17 – Change the shower station – The electric shower features three temperatures, summer, winter and cold. The shower in the winter season consumes twice as much energy.
18 – Iron – Look for as much clothing as possible to get through it all at once. This appliance consumes a lot of energy and it is not appropriate to use it many times in the week
19 – Washer – even iron case. Gather as many clothes as you can and wash once a week.
20 – Microwave – take the microwave from the outlet when not in use. The only advantage of keeping it switched off is the electronic panel clock.
21 – Air conditioning – when the air is on, close all doors and windows tightly
22 – Procel Certification – check if your household appliances have the Procel seal. If so. This means that they consume less energy.
How to economize at the supermarket
23 – Organize yourself according to your budget: set the amount that can be spent and separate by week or month.
24 – Prepare a menu: so you will only buy the foods that will actually be consumed
25 – Make a shopping list: include staple foods and organize by sectors (cleaning and hygiene, grocery, groceries, butchery, bakery etc).
26 – Time to spare: go to the supermarket when you have plenty of time to research prices and offers of the products on the list.
27 – Full belly: try to feed yourself before your purchase is not influenced by hunger
28 – Observe the price tag: sometimes it occurs that the product when it is registered in the box is priced different from the label. In this case the trade should consider the price tag. But to demand your rights you need to be aware of prices.
29 – Do not take the children: you can end up spending more with candy, treats and other nonsense that children like so much.
30 – Buy generic brands: the big supermarket chains usually offer products with their brand stamped. These products are usually cheaper and often even good.
31 – Avoid frozen foods and ready meals: these foods are much more expensive
32 – Buy fruits, vegetables and vegetables from the season: in periods of harvest the products are offered on offer.
How to Save Money by Eating Out
33 – Self Service or bundle: give preference to establishments that have closed prices
34 – Drinks and desserts: If you need to eat out every day, do not consume sodas, juices and desserts in restaurants. That makes the account more expensive! Buy fruit and drinks at the grocery store and take it to work.
35 – Promotions and discounts: many restaurants offer discounts and promotions to keep customers loyal.
36 – Delay your lunch hour: in some restaurants the prices of the dishes are reduced after 14h.
37 – Look for options: a cheese roll and a coffee might not seem expensive, but if you consume everyday on the street, at the end of the month you will notice that the wallet is leaner. One option is to buy bread or cookies and have coffee at work.
38 – Divide the dish: if you eat little and have a friend with the same appetite, invite him to a partnership. One serving for two.
39 – Bringing Home: Choose to dine at work.
40 – Natural snacks: if you do not have a suitable place to heat food, replace the kettle with a sandwich. You can dine at your own table and enjoy lunch time to do other things.
41 – Going out with family: If you do not give up that family dinner once a week, the collective offer sites and discount coupons can be budget alternatives.
42 – Superfluous expenses: when you make your lunch time on the street avoid passing in shops, bomboniere, newsstands etc. The amount spent on chewing gum, ice cream or chocolates during lunch can save you money.
How to Save on Travel
43 – Tickets – buy tickets as early as possible, prices are lower. Choose to travel on Tuesday or Wednesday, when tickets are offered at lower prices.
44 – Flights – if you have the patience choose a flight with connection
45 – Miles Program – Enroll in mileage programs to use your points on ticket purchases
46 – Shopping – drinks, chocolates, jewelry, perfumes and electronic pampering are much cheaper in trade Duty Free.
47 – Rent a car – Taking rides with a rental vehicle is usually cheaper than train tickets if you are in a larger group of people, for example.
48 – Hosting – give preference to hostels, Host Family, simpler hotels or friends house.
49 – Money – take cash. With the IOF (Tax on Financial Transactions) going up, making purchases with credit card or prepaid is no longer advantageous.
50 – Telephony – contact your service provider and inform yourself about charges for using international roaming and avoid surprises in your mobile account
51 – Health insurance – With this benefit, in case of accidents or health problems, you will have your financial expenses reimbursed.
52 – Destinations – Escape from luxurious and expensive destinations.
How to save on medicines
53 – Generic – Generic drugs are cheaper and have the same efficiency as those of brand.
54 – Pharmacy – whenever possible, buy from the same pharmacy. Over time you will build a relationship with the establishment, receive suggestions on cheaper drugs and even discounts.
55 – Economic Doses – Before buying the medication, always ask if the medication is offered in less quantity. For example: you feel a headache and buy medication. Not necessarily you need a box with several pills. In the gondolas of the pharmacy there are cards with single or double dose.
How to save on leisure and culture
56 – Theater or Museum – choose to do free cultural tours.
57 – Outdoors – change the mall through the park.
58 – Eating out – when the day is in perfect weather take the family to have a picnic.
59 – Cinema – the different networks have in their schedule schedules and special days with discounts of up to 50%.
60 – Books – Instead of buying a new book, borrow it from a library.
61 – DVDs – whenever possible exchange dvds with a friend. It’s a way for you to vary your video library without spending.
62 – Children – when you have a program at night, instead of hiring a nanny, arrange with a friend’s mother of your child. She can break your branch for one night and you can do the same when she needs it.
63 – Football – Invite your friends to watch the game at home. It is more in account than going to the stadium or consuming in some bar.
64 – Pay-TV – re-evaluate your pay-TV package and reduce the channel grid if you do not think you’ll need them. Renegotiate the value of your package.
65 – Quit Less – If you can make more home programs, do it.
How to save on purchases
66 – Boost – just buy something you’ll be sure to use
67 – Credit Cards – Buy The View
68 – Product Brands – Give up the famous brands. In the market there are little known brands, but efficient as much as the famous ones. Products with brands like this, are usually cheaper.
69 – Emails with offers – do not open these emails. If you do not have a wrist you will get involved and you may end up falling into the temptation of buying
70 – Second Hand – Even in situations of crisis or economy you can not get rid of the habit of buying a piece of clothing from time to time, buying in used stores is a good option. As long as the clothes are in perfect condition.
How to save on car expenses
71 – Buying – If you are having debt and are not able to pay the financing of your vehicle, switch to a used one.
72 – Insurance – automotive insurance is an indispensable advisory. To make a good insurance negotiation, research the prices, hire a broker to be your broker, install a tracker and never sign a contract without first hearing all possible bids from the competition.
73 – Maintenance – Always check your vehicle
74 – Refueling – pay close attention to fuel prices. Sometimes the one that seems to be advantageous because it is cheaper can give you headaches. Make sure it is reliable and suitable.
75 – Lubricants – be careful not to miss the oil change period
76 – Routes – Before leaving for your destination, search your route. You can make alternative ways to save your time and fuel
77 – Weights – keep your vehicle organized and eliminate excess. Do not make your vehicle an extension of your home. Overweight vehicle consumes more fuel.
78 – Air – on cold days turn off the air conditioning
79 – Short routes – do not use the car to go to very close places. Walk or bike Save fuel
80 – Tires – keep your tires calibrated.
Cut extra expenses
81 – Mobile – reevaluate your mobile phone plan. Sometimes we hire different services when in fact our real need is to make or receive calls, access emails and social networks.
82 – Fixed – Do You Really Need a Landline? Talk to your carrier to hear other options for budget plans.
83 – Television – traffic, work, study and the return home. How long do you stay away from home? And when you’re at home can you watch movies and TV shows with attention? These questions are an exercise that TV subscribers must practice in an attempt to take a breath in the budget.
84 – Internet – same as pay-TV. If you need to mitigate the expenses, reevaluate your contract, you can suddenly negotiate a discount with the operator or even exchange for a lower cost package. And if you already have a mobile internet package and need to wipe the budget, opt for one of the two services.
85 – Newspapers and magazines – less and less time to devote ourselves to reading newspapers and magazines. It’s a lonely rush! How about swapping your subscription plan with a digital one? Aside from being cheaper, you can read anywhere through the tablet or smartphone.
86 – Credit Card – If you received a credit card that you do not use and you are paying annuity, it is time for you to devote five minutes of your time to canceling through the SAC.
87 – Current Account – It is also time to cancel the checking account that you opened last time and no longer use. Not worth paying for a service that we do not know when and if we will use. The goal is to reduce expenses.
88 – Banking Services (fees) – analyze your statement and look for other options for rate packages.
89 – Consumption – stop compulsive consumerism.
90 – Goal – stay focused on your goal.
Manage your debts
91 – Credit – be very careful with easy credit. Assess your situation to see if you will be able to honor the debt.
92 – Credit 2 – Promptly pay the installments of your loan and if you think you will not be able to, for some reason, contact the financier and report the fact.
93 – Card – Do not lend your card or finance purchases to other people. You can not take the risk of taking on a debt that is not “yours.”
94 – Card 2 – temporarily free yourself from your card. Leave it with your mother, brother or in the bottom of a drawer until your debts are over.
95 – Spending management – contrary to what most consumers think, credit card can be used as an ally of the budget. This happens when you consciously consume and concentrate all your expenses on a single card. By doing this, you reconcile the due date of the invoice with the date of receipt of your salary and organize yourself better.
96 – Extra work – look for an alternative to increase your income.
97 – Extra Income – Use your extra income to pay off the debt.
98 – One day at a time – save a little a day. In this way you can soften that feeling that saving a monthly amount is a great sacrifice.
99 – Clean – clean up your expenses, even when you feel you do not have anything else to dispose of.
100 – Reflection – reflect on your future without forgetting your past. Try not to make the same mistakes.