There are some that are only a few thousand/day, but their wallets are always clean
In everyday life, there are many habit and small expenses are not paid much attention by the people. Because, there is something that only costs a few thousand/day. But over time, you will still lose quite a bit for them because of your subjectivity.
On the other hand, if you identify these wallet “thieves” and cut them down, you will save more, possibly closer to your financial goals.
So, what are these habits?
1. Spending too much on housing
Housing can be your biggest monthly expense, so spending “an inch wrong” could blow your budget in no time.
Agree that after moments of hard work, everyone wants to have their own space to relax comfortably. However, according to financial experts – if you want to have a stable money foundation, you should spend no more than 30% of your income on housing. To cut this expense, you can choose to share your home space, rent somewhere else more affordable.
2. Take energy saving for granted
“What’s wrong with turning on the faucet a little bit, taking a shower for a few minutes longer or turning on the lights to watch a movie, working all night, opening the window and turning on the air conditioner at the same time? Adding a few tens or hundreds of thousands of electricity/water bills is enough. together.” – That’s exactly what the vast majority of people think about energy use.
However, this amount of money, no matter how much or little, only a few thousand/day is still unnecessary and wasteful. To save money, you can choose to turn on the small faucet, use energy-saving light bulbs, turn off the electricity – the air conditioner before leaving the house. After a month, you will be surprised how much this small change can save you.
3. Buy food at the cinema
First, you should know that movie theaters don’t just make a profit from selling movie tickets. Part of the money they earn comes from snacks, corn – water combos sold with tickets. Avoid these expensive snacks by yourself by eating first at home, bring food – drinks if allowed or if necessary, buy only what you need, do not foolishly “swing” with food combos snack at the movie theater otherwise you can clean your wallet like playing.
4. Payment of withdrawal fee
Most ATM withdrawals have a fee, this fee ranges from 1.1k – 3.3k, making many people not interested. However, this is still an expense that can be completely cut and not necessarily spent. Please take the trouble to find the right ATM of the bank you are using to withdraw money or go directly to the bank if the amount you need is too large, it takes many ATM withdrawals.
5. Credit card debt
Interest on credit is one of the scariest things about debt, it can ruin your finances faster than you think. However, many people, for reasons such as not having enough money, do not want to pay immediately, but only pay the minimum balance each statement period.
Those seemingly low minimum payments leave you vulnerable to falling into a debt trap, incurring hefty interest payments. So if you have credit card debt, make a plan to pay it off right away.
6. Drink bottled water
When going out, feeling thirsty, everyone does not hesitate to buy a bottle of filtered water for only a few thousand. But most leading financial experts say that bottled water is the number 1 waste that no one notices. If you’re still drinking bottled, consider buying a home water filter to ensure the purity of your drinking water, and prepare your own when you’re out and about. That way, you won’t waste money on this expense.
7. Smoking
Smoking is not only harmful to your health but also costs you more money than you think. No matter how addicted you are, every month you can “lose” tens, hundreds, even millions of these toxic fumes. Think about how much you will save and improve your health if you quit smoking now.
8. Snacks at the office
One of the pleasures in the workplace is snacking at leisure or mid-day meals. This can dispel boredom when going to work, but it is not good for your health and your wallet. Instead, you can only snack on a few special days, for the rest, you should refuse to snack too often.
9. Ignore the benefits of points cards, discount vouchers
At the present time, from supermarkets, restaurants, clothing stores to drugstores, nail salons and hairdressers all have points programs and discount vouchers. Many people are afraid to bother or forget, so they often refuse these programs. However, this is really one of the ways to save money that no one should ignore.
10. Get rid of old items
If in the past, old items only had water to give or throw away, now, you can completely resell used items, in good condition at an affordable price. So instead of hastily throwing away old unused items, take the trouble to classify and liquidate them to “recover” some of the money spent to buy back.
Photo: Synthesis
at Blogtuan.info – Source: Soha.vn – Read the original article here
