Saving can be hard, I know. It’s something I’ve struggled with for a long time. Tell me to make a budget and I’ll rebel and spend more than usual – no joke. I’ve found I respond better to small changes, that allow savings to add up in the long run. There are probably a few things that you can change about your lifestyle in order to cut down on spending and ramp up your savings. Read on to find out about my top 4 tips for saving money without really noticing it!
1. Check Out Your Car
Cars are expensive, not only to buy, but to maintain as well. If you own your car, be sure to get it serviced regularly to be sure it’s running well and wont have any nasty break downs. If you’re currently leasing your car, it may be a good idea to shop around and see if you could cut down costs by changing your lease. If you shop around you may be able to get a good lease deal on a Mercedes for a similar rate that you’re spending on a less luxurious car. Shopping around can really save you a lot of money in the long run.
2. Eat Out Less
I love eating out, don’t get me wrong, but if you compare the price of a home cooked meal vs the cost of eating out, it can be a little bit shocking. If you’re like me and like to eat out to be social, I’ve found it can be quite nice to take turns hosting dinner parties with friends. That way you’re being social, splitting the costs, but you’re not spending outrageous amounts of money on food on a regular basis just to see your friends. Taking a packed lunch is always a great way to reduce day-to-day costs.
3. Pay Your Credit Cards Off in Time
If you’re usually late at paying your cards off, spend a moment right now checking through your transactions to see how much the interest charges are. You may be surprised by how expensive those late payments can be. If you’re going to use your credit cards ensure you pay off your balances regularly to avoid unnecessary expenses.
4. Make a Grocery List Before You Go
If you’re like me you often end up at the supermarket hungry, which is just a recipe for failure. Take a list with you and stick to the list. Try your best not to buy things that aren’t on the list. If you can set the time aside, it’s even better if you make a meal plan and shop for that specifically to reduce food wastage, which is just a waste of money and food!
Small changes can add up to big results. Use these four tips to save more money every month so you can spend it on things that really matter to you.