If there are several days left until the next paycheck, and the previous one is already gone, then it’s time to change something! Here are some tips on how to spend less money on daily basis and not lose on the quality of life.

Go to the store with a shopping list

Now there are a lot of temptations: marketing does not sleep and constantly comes up with new ways to lure money out. We are surrounded by advertisements that literally scream “buy me, buy me”. And most of us can’t resist it and spend the money we set aside.

The solution is simple: make a list of what you need and buy only what is included in it. If suddenly something is not there, then buy it during the next trip to the store, after adding this thing to the list. If, of course, it is still relevant. Many purchases are impulsive and do not need to be made.

Maintain future wish lists

In addition to strict budgeting, a wish list helps save money. Sometimes it is difficult for us to abandon things that are on the counter – a silk blouse, branded sneakers or new smartwatches. And if the desired product is at a big discount, then finding an argument against the purchase is twice difficult.

To avoid such situations, create a wishlist. Add things that you really want to buy, and periodically review positions. Now, when you spontaneously decide to spend money, the argument will work: This purchase is out of budget.

Spend less than you earn

Appetite comes with eating. The more we earn, the more we start spending. Therefore, it is important to maintain a balance between expenses and income so that income grows faster than expenses.

Most people, on the other hand, increase their spending in proportion to their income. For example, after a salary increase. It is better to learn to live on a certain amount, and when you receive more than that, create savings.

Don’t waste money you don’t have

Don’t buy what you can’t afford. It’s about debt, credit and waste. Of course, you may be tempted to go out and buy all the best for yourself, because it is very easy to take out a loan now. Only most often we forget that it usually takes a very, very long time to give a loan back.

Skip going in cafés and restaurants

This also includes coffee shops, bars, food courts, bakeries, culinary departments in hypermarkets. Amazingly, it’s food that hits the budget — takeout coffee, a business lunch with colleagues, and the now traditional after-work booze. We used to not notice such expenses, but cutting them down is a sure way to save 10-15% of income.

But it’s important not to overdo it. If you exclude all the “nice things”, life will instantly lose its taste. Therefore, analyse which habit gives more pleasure, and save on the rest. For example, instead of take-away coffee, you can buy a thermal mug and brew the drink yourself.

Forget about the delivery and takeaway

Ready-made breakfasts, lunches, snacks and dinners are at the peak of popularity in big cities. Their advantage is clear: personal time is not wasted on cooking, and for the food itself you do not need to go to a restaurant or store. But if you count the expenses, it turns out that deliveries “eat up” up to 15% of the income of those who use them. It turns out to be expensive because, in addition to products, services include cooking and transportation costs.

And it’s better to refuse deliveries for environmental reasons. A disposable container made of plastic is delivered to you every time with food. Hot meals are wrapped in foil that cannot be recycled too.

Quit smoking

Yes, this may sound harsh. First, we advise you to quit eating (just takeouts and delivery) and now smoking too? But try to count all the money that you are spending on your cigarettes daily? It’s quite a lot, isn’t it? There are many ways on how to quit this bad habit on the internet.

If you can’t help it and you really enjoy this ritual, we have a solution for you – an eclectic cigarette. You can find e-liquid for it in lots of different flavours. This way you will not only save your money but also your health.

Conclusion

These are simple ways to keep you in control of your spending. Avoiding all impulse purchases is unlikely to work, but if you follow the advice, you can reduce the loss of money to a minimum.

We wish these life hacks to become your way of life so that you will build new money habits into your life, and they will be as natural as daily brushing your teeth.