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The central bank’s Finlit project offers 10 ways to help reduce daily expenses and save more money listed.
They are as follows:
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Daily income and expenses should be recorded. This way you will have a clear idea of how much you will get and why you will spend.
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Make purchases based on a pre-prepared list and follow it. This protects against unnecessary purchases.
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If you want to go shopping, go dark. Going on an empty stomach can lead to unnecessary purchases.
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Take food packages with you to save money and not harm the environment.
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Try not to go to the store. Now home delivery services are very popular in many hypermarkets. Identify, list, and order the most needed groceries for the week. This avoids unnecessary expenses, with a visit to the store you can see something and buy it even if it is not an important item.
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Always use savings or discount cards. Such cards can save 5 to 20 percent.
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Reduce utility costs! Use energy-saving lamps, buy laundry and dishwashers.
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Turn off all electrical appliances before you leave your home.
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Turn off lights, water, gas when not in use.
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Install a utility meter to avoid overpayments.
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When buying something, pay attention to quality. There is a saying, "A hard man spends twice as much money." But buying very expensive branded items is also not recommended.
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Make your purchase tomorrow. If you see a good discounted product on your way, but this product is not on your list, leave this purchase for tomorrow. This will give you an opportunity to think about how important this item is. According to statistics, when people think about shopping for a certain period of time, they often give up unnecessary purchases.
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Carefully plan your daily meals. If you have the time and opportunity, prepare the food yourself at home. If you make semi-finished products - you will save not only money but also time.
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Think carefully about getting a loan and then decide.
Today, credit cards are becoming increasingly popular in our country. No matter how good the offers may seem, do not rush to issue such cards, as credit cards often encourage you to buy things you don’t need.
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Always try to keep a certain portion of your salary. Make it a habit to save at least 10 percent of your salary per month.
At the same time, we recommend that you save your unexpected income as well. For example, they could be prize money, birthday money, or repaid loans.
Keep small coins, coins, and returns in your memory to make sure you save a significant amount of money by the end of the year.
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It is true that recreation is economical. To do this, plan your trip abroad in advance, usually if you make earlier payments, you will be able to buy tour packages and air tickets at low prices.
Use "all inclusive" tariffs when you go on vacation. Because the cost of services that are not part of hotels will be expensive.
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Try to buy clothes for yourself and your family members from online stores. This will save you money. The reason is that sellers set higher original prices in exchange for rental costs in markets and shops.