Among the goals of the new year there is a classic to fix the broken pocket. While there are others that are a bit more filling, such as going to the gym, this is a goal that, if you have the feeling that you spend too much or know that you do not save, you should seriously consider … In general, more than half of Those who say they cannot save, in reality, what happens to them is that they are not aware that they can. Here are five tricks to definitely save this 2020.
1. Take energy and heating costs seriously
It is not necessary to be very informed to know today that the electricity bill is one of the most upsetting. So, take saving measures seriously, such as the use of low-consumption appliances and light bulbs , and adjust the power that you have contracted , which is a fixed cost. In general terms, keep in mind that the cost of energy is not only consumption, but the fixed payment for the contracted power. Try, therefore, to adapt this power to the level that the household appliances will need to “throw away” when they are working at the same time.
2. Download a home economics application
Smartphone stores have free applications at your disposal that, connected with your bank information, will help you properly measure your spending. Have you never added up everything you spend a month to go out there? You probably need a spend tracking app. Organize your finances and identify where the bulk of your spending is and what are the items in which you can save.
3. Be loyal
To save on the purchase, there are two possible strategies: or constantly kick all the shops in search of the bargain, which is something that not everyone has time to do; or build loyalty with one, or several, that respond to your needs. Loyalty cards are free and will allow you to benefit from discounts and offers.
All studies show that an unplanned buyer ends up spending more and, more importantly, spending worse than a planned buyer who, when they consume, does so knowing why they are going and where they intend to find it. Try to put a strict or mental limit on things you buy unexpectedly.
5. Make sure
Well yes: make sure! Insuring is saving because insuring is converting a variable cost, what you will have to pay if you have a mishap, for a fixed cost, which is the price of insurance. If you’ve paid for a year and nothing has happened to you, don’t be fooled: that security doesn’t protect you from the future. Insurance is a first-rate tool when it comes to stabilizing your budget, protecting it against harms that can leave you shaking.
And if you think about long-term savings to enjoy a calmer retirement, you can also bet on savings insurance to help you save for tomorrow and, in addition, make that savings profitable. In our section Saving gives a lot of life, you can know through a simple test, which is the savings insurance that best suit you.