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MessagePosté le: Sam 10 Juin - 09:56 (2017)    Sujet du message: budget accommodation near phuket airport Répondre en citant

п»їPersonal finances: 15 ways you waste your money

Have you ever left the store with a bundle of bags and came home to find out that you actually bought a pile of things you don’t really need or like? Have you ever wondered why, no matter how much money you earn, you never feel like you make enough to support your needs and desires? Have you noticed that your spending habits contribute to creating a leak in your budget that gradually turns into a raging river?
Wasting your money on various things you may totally live without is not only quite damaging to your budget, but also extremely disrespectful to the time and effort you put into every dollar you earn. We make a lot of unreasonable purchases, recklessly spend money on a habit every single day and mentally punish ourselves for our financial irresponsibility.
Well, maybe we have to reconsider the way you spend your money, take some time to pay closer attention to our daily and monthly expenses to determine major and minor wastes we need to cut out of our lives to become a lot happier and financially stable.
Here’re a few most common, but sometimes quite latent and totally ridiculous ways you may be wasting your money. If you’re guilty of any of these, try correct your money spending routine and gradually adopt at least a few saving tricks into your everyday routine.
15 ways you waste your money and how to stop doing that1. Making too many trips to the grocery stores. This habit will not only add to your gas bill but also result in higher food expenses, spontaneous purchases and wasted food you never manage to finish before its expiration date. Go grocery shopping once a week maximum and try your best to stick to the shopping list. Or, use grocery shopping and delivery services if you struggle with limiting yourself in the supermarket.
2. Starbucks. Should we even talk about it? Just don’t drink as many lattes as you do and you’ll be way more excited for your drink, as well as able to save up to $50-60 per week.
3. Home décor. Do you really need to buy new crappy seasonal decorations every single year? Decorate your home with meaningful and timeless items and spice it up with a few seasonal decorations without changing the latter every single fall or Christmas.
4. Hotel room benefits and additional services you don’t really use. Some hotels lure their clients by offering lower room prices but make their profit by counting on additional fees and services most clients don’t want to negotiate while seeing the final bill. Try to lower the price by talking to the manager in advance and refusing from additional services and passes, like automatically included pass to the hotel’s gym if you don’t plan to work out, unlimited snacks if you don’t want them, overpriced transfer from the airport to the hotel, complimentary drinks (even plain water) which aren’t actually free, fees for early check-in or late check-out, ginormous phone fees, etc.
5. Overpriced home insurance. There’re a few tricks you may use (like installing security systems, smoke alarms, window crates, etc.) to negotiate your monthly payment and get it lowered.
6. Buying meals that you may totally cook at home. Look at the salad or the sandwich you’ve just bought. Is cutting a bun in half and filling it with meat, cheese, salad leaves tomato and cucumber slices that difficult? And, you could totally eat at least 3 fresh, healthy and homemade sandwiches for the money you paid at the corner shop.
7. Low-quality designer clothes. There’s no point in paying for the brand if the clothing item is made out of the cheap polyester. If you decide to splurge on the designer dress, make sure that the fabric is natural and the item is well-made.
8. Paying full price for the clothes. Be patient and plan your shopping trips for major discount days. Shop for designer items at online and offline outlets to save up to 90% of the price.
9. Wasting money on simple car maintenance procedures. You may totally learn how to refill your car oil, add anti-freeze, replace broken bulbs in headlights, install winter tires and replace blade rubbers on windshield wipers. There’s no need in paying someone for doing that. At the same time, you should never neglect regular professional examinations serious engine issues and take your car to the qualified auto repairer to get them fixed.
10. Electricity. Replace your old-fashioned light bulbs with the LED ones and make sure to use your climate control wisely.
11. Buying premium petrol. Unless you own a high-end car, which owner’s recommendations require higher-octane gasoline only, there’s absolutely no reason for you to pay (at least) extra $200 a year, as the vehicles which aren’t designed to operate on the higher-octane fuel won’t benefit from it at all.
12. Cable TV. Who needs that when you have Netflix, Amazon Prime, and many other less expensive entertainment options.
13. Gym memberships. Up to 67% of Americans who have memberships never use them. If you’re trying to become healthier and start working out, find a gym that offers daily payments to pay for the services you actually use or work with a personal trainer to stick to your routine.
14. Credit card and ATM fees. Withdraw cash only at the free ATM points and keep your credit card balance as minimal as possible to avoid interest fees.
15. Cleaning and laundry products. Do you have a separate cleaner for every single surface in your house? While it’s really necessary to use only specially designated cleaners on the hardwood and marble countertops, you may totally limit the number of bottles under your sink by purchasing all-purposes cleaners and ditching those ridiculous fabric softeners, laundry conditioners, dryer sheets.


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MessagePosté le: Sam 10 Juin - 09:56 (2017)    Sujet du message: Publicité

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