- Personal Finance
The Best Creative Ways on How to Save Your Time and Money in the Modern Times
Creative Ways to Save Time and Money In Modern Times
Stumped on creative ways thinking about how to save money on food, clothing, housing, or on auto matters? Here are a few invaluable tips on saving on a tight budget:
The Amazing Ways Proven to Save you Money on Food
Are you going out for groceries? You better make a list first. Shop for specific foods and stick to the plan. You can save a lot when you buy little else than what's on the list, rather than deciding what you need and what you will not at the supermarket.
Make sure you are on a full stomach before heading for the grocery.
Eat out one time less each month. If you spend around $50 to eat out but spend around $10 to eat in your house, you can potentially save $40 per month.
Bring lunch to the office instead of buying it at the corner deli. Skimp out on the Starbucks and buy and make your coffee.
Plan your meals around seasonal produce. If you have the time, grow your produce! There's plenty of herbs, veggies, and fruits that you can grow with little to no trouble. There is some produce that you can even grow indoors.
Don't forget your daily water requirement. Drinking water makes us feel fuller while dulling hunger pangs. Substitute juice, alcoholic drinks, and soda for the better alternative.
How to Save your Money on Housing Costs Easily
Have a room or a house all to yourself? Post an ad for a roommate to share the rent and other living space expenses. You can transfer to a smaller house or rent a smaller apartment to save up on costs per square meter.
For a more practical tip, consider living in near where you work. Instead of driving or commuting an hour to get to your office, you can save on transportation costs and get more free time in the process.
Housing budgets are always on the priority of a household budget list. Manage the housing costs by keeping it around 25% or less than your take-home pay. Don't settle for the first "For Rent" apartment or house you see in the ads or on the internet. Spend time, compare and keep searching for good housing deals.
Own a house? Try for a mortgage refinance at a lower rate. It can free up your monthly budget significantly, and allow you to save up for a rainy day.
We cannot escape home repair, but you can be wise about it. Insist on hiring a home contractor who has done an excellent home repair for you or your acquaintances. Settle on a fixed price before allowing them to work.
How you Need to Save Money on Transportation
Find a carpool. Americans can save up to $1,000 on gas costs every year if they pool together and ride in a single car to work. You save on gas and maintenance costs to keep your vehicle running in top condition.
Why not walk or ride a bike to work, if it is just a few kilometers away? You can save on high gas prices and get exercise. That will help you amazingly "kill two birds with one stone"!
Don't settle for loading on fuel at the nearest gas station. Shop around and find gas deals. Compare prices and ask for the lowest cost octane as recommended by your car manufacturer's manual. Avoid putting the pedal to the metal at starts and screeching halts at stops to save on gas and car maintenance.
Finally, make sure to warm up the engines and keep it in top shape. Keep your tires inflated to the right pressure as well. You can save up to $100 a year this way.
Check for airline deals online before booking an air trip. Avoid the expensive baggage fees by bringing a carry-on and keeping your personal items with you; if only heading to a short trip.
The Most Reliable Money Saving Tips you Need for Clothing
Stop emotional buying on clothes. You can get carried away shopping this way. Instead, make a list of what you need and not just because you feel like it.
Wait for huge discounts at discount outlets. Surprisingly, you can save by buying in these places than at malls and clothing stores for the same type. If you do not mind, shop at previously-cared clothing stores; such as Goodwill or ones near your home.
You can also save up on significant costs to clean your clothes. Are you a frequent cleaner? Try going to other nearby cleaners and compare prices. Don't just send a clothing item to the washer because of schedule. Clothes will wear out less if they spend less time in the laundry. If you can, you should wash and iron the clothes yourself. Use the dryer sparingly, and only if you have to.