Purposeful Finance What To Look For In A Financial Adviser 15 Top Tips to Save Money

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15 Top Tips to Save Money

When I ask people what their financial goals are, saving money is always in the top 3. But they also tell me they don’t know how, or they don’t have any good ideas. Well, good news – I’ve done the work for you and I hope to challenge your thinking.

Now, why not use some of the money to pay off debt, save for a vacation, invest, etc.?

o 1. Decide what you want to save and transfer from your main account as soon as you get paid

Either way, you’ll do the rest with your budget. I have been saving this way for the past 10 years and I have only withdrawn some money 6 times. If you don’t have a budget for savings, then start with a small amount. You’ll soon be hooked on saving enough and that amount will start to grow.

o 2. Write down your expenses day by day.

Yes, it’s a bit annoying to do, especially at first. But if you want to know where your money goes, this is the fastest way to find out. And you’ll notice that after a week or two of accounting for your money, you automatically begin to correct your course. Suddenly you realize that your 3pm Coke and Bar One from the vending machine habit works out well enough every month. I’m not saying you shouldn’t enjoy anything. Buy two snack packs of chocolate at the grocery store to last you the month, and just like that, you’ve saved stacks of money.

o 3. Never go shopping on an empty stomach.

You’ll end up with a trolley full of junk food that you wouldn’t normally buy if you weren’t hungry. When I heed this one tip, I cut my monthly food bill by almost 30%!

O4. Make a to-do list before you leave home

When you do this, you can plan your route and make sure you do everything you need to do. Otherwise it’s a case of “we forgot to pay the phone” when you get back home. Also, you waste time and petrol when you have to return.

o 5. Always, always, always use a shopping list

You can download one from my website. Use a fridge magnet and attach it to the front of your fridge. Then train your family to recognize them as objects near empty What’s the point of adding toilet rolls to the list when you’ve just used the last one?! It’s easy to be assaulted by all the sales signs once you’re inside the store. A shopping list helps you focus. I’m not saying you’re not allowed to be flexible. It’s just with a shopping list, make sure you get everything you need.

O6. Check the bottom shelves in stores

Shoppers pack all the expensive items at eye level, so the next time you buy salad dressing or whatever, don’t just grab the first thing you see. Compare prices on all brand names, be sure to view all items. It will take some time the first time you do this, but once you get used to it, you’ll get the hang of it.

7. Buy only enough fresh produce for your needs

You can easily get hooked on the signs “3 bags of tomatoes for R20” and “2 cucumbers for R10”. But if you stop to think about your needs, you will realize that you don’t need 3 bags for 2 people. I thought they just packaged and sold them like that until one day I brought a bag of tomatoes and… lo and behold, nothing special happened. They only charged me for one bag!

o 8. Try online grocery shopping, especially if you’re an undisciplined shopper

We have good friends who have been shopping online for almost 3 years. She swears they save at least 20% every month, and that’s after paying the delivery fee. That’s because it completely eliminates all impulse purchases – food on an empty stomach, and cute stuff.

o 9. Don’t go shopping when you’re cross or upset.

This is a variation of number 3 except for the fact that you can feed your emotional hunger. All women know what I’m talking about. You’re cross because of something at work, go to the mall and buy lipstick, handbags or clothes you don’t need. We all do it – some of us just buy bigger items than others.

O 10. Always pay your bills on time to avoid interest charges.

Remember that with a credit card, your purchases are interest-free for 45 days but if you’re a day late, you’re not just charged interest for the day; Interest is charged from the date of purchase.

o 11. Plan your meals

When you plan your meals by the week (I do) or by the month, you will save money. Firstly, you can use up all the food in the freezer before buying more, and secondly, you will know what you need to get from the shops. I looked through my freezer to check if there was enough food for the week. Then I make my list and go shopping. Then on Sunday afternoon, I decide which meals I’m going to eat on which day and attach my meal planner to the side of the fridge. Then it takes me a maximum of 30 minutes to get dinner on the table every night. see? Saving you time and money! Download your meal planner from my website.

o 12. Eat more lentils

Pulses are things like lentils, kidney beans, chickpeas, etc. They are a great source of protein and you can use them to replace meat once or twice a week. For example, use lentils as a mince substitute for your Bolognese sauce, or top baked potatoes with chickpeas, tomatoes, spinach and cheese sauce. Delicious! Not only will you save money on your meat, but you’ll also be healthier.

o 13. Limit the number of cleaning products you use

I use multi-purpose cleaners, toilet disinfectants, dishwashing liquid and multi-purpose gels. I could combine the last two but I have to admit – I’m addicted to my brand of dishwashing liquid. I use the multi-purpose gel as a car wash, to clean windows and mirrors, as a shower spray, to clean carpets, etc. All you have to do is squeeze a generous amount into an empty spray bottle, fill with water and shake to mix.

O 14. Look for a free car wash

I’ve noticed that many service stations offer a free “wash and go” if you spend a certain amount on petrol. Look around you and start using these services.

O 15. Switch from fizzy cold drinks to water

You’ll save hundreds every month and… you’ll also get healthier and lose some weight.

And now for the bonus… hire a financial coach

Yes, there is an investment in the beginning. But over time, the rewards will be greater. Your coach will help you accelerate your progress and help you pay off your debt and save some money.

Happy saving! My wish for you is financial happiness!

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