31 ways to save money

Purchases

1. Give up branded products

Buying less popular brands instead of well-known brands can save you a lot. Take the time to research the composition of an expensive yogurt or body milk and compare it to the composition of an unannounced equivalent.

The same applies to drugs, so look on the Internet for cheaper analogues of expensive drugs or ask about them directly at the pharmacy. A good pharmacy chain is primarily focused on customer loyalty, not emptying their wallets.

2. Use bank cards as little as possible

Many people are used to paying for purchases with cards, because it is more hygienic, reliable, and you don't need to carry a wallet with you. But numerous studies show that the constant use of bank cards is fraught with loss of control over your spending. It is much easier for a person to part with invisible numbers than with real pieces of paper.

If you don't want to get attached to your wallet, then get in the habit of studying the check in detail after purchases or controlling expenses using mobile applications. They will clearly show all your weaknesses and unnecessary acquisitions.

3. Reduce your commission costs

If you decide to withdraw money from an ATM of someone else's bank, be prepared to pay a percentage for this service. It may not be large, but regular transfers and cash withdrawals through another payment system will empty your pocket.

4. Buy only what you need

Often, buyers make purchases only because there was a promotion for the product. It is especially difficult to overcome the temptation of a personal discount sent by the seller immediately after receiving a salary. But remember that a coupon is not a reason to buy.

Buy only what you really need, and only when you are ready for it. And coupons and discounts can be found on forums and specialized sites. And don't forget about cashbacks.

5. Master online shopping

If you have not yet experienced the joys of remote shopping, we strongly recommend that you try this kind of shopping. Of course, it has some drawbacks. But the lower price compared to conventional stores is one of the clear advantages. Many popular brands and lesser known brands are selling their collections at discounts of up to 90%.

In addition, online you can buy clothes bought by someone, but not suitable, in perfect condition, on which all the tags have remained. These things can be unique and cost very little. Check stores and save money on clothing.

6. Replace purchased beauty products with homemade ones

All advertisements refer to the natural ingredients used in cosmetic products. Therefore, customers without a twinge of conscience give half of their salary for such cosmetics. But why spend money on processed natural beauty products when the web is full of simple recipes for skin and hair care?

7. Use the services of a store

You can be sure: cheese slicing and packaging in a beautiful wrapper are included in the price. Wouldn't it be better to step back from the shelf and buy a piece of cheese from the seller? Usually supermarkets cut the purchased product for free and wrap it in cellophane.

8. Try joint purchases

Many stores offer a 1 + 1 = 3 scheme. If you take two items, you get the third for free. You don't need to buy a second pair of pants to get a discount on them. Most likely, the same customer walks the store looking for someone to dock with and get a profit.

If you are uncomfortable contacting strangers about a joint purchase, go to social networks: there you will definitely find like-minded people. This also applies to online shopping. The collective purchase of goods from such sites will help you save a lot.

9. Make a shopping plan

You need to learn how to plan your purchases. It is convenient to do this using mobile applications. Using them will protect you from many unpleasant situations. For example, if you forgot to buy a loofah or a packet of tea, you will have to return to the store the next day. It is very likely that you will want to grab something else to the necessary thing.

10. Communicate with sellers in the market

As a rule, grocery vendors become much more accommodating towards the evening. This can and should be used. The market is designed to bargain. Pay attention to almost empty counters. What better way for a salesperson than to go home and sell all the goods?

Remember to refrain from visiting markets on weekends. After all, it is on Saturdays and Sundays that prices increase slightly. Some shoppers spend years buying products from the same sellers, getting discounts and the freshest product in return.

There are also vendors who come to cities from nearby villages and crowd in crowded places. Find out where they are from and when they are leaving home. This will help you to buy goods very cheaply one hour before the departure of the bus or train.

A car

11. Try to solve the problem yourself

Buying a personal vehicle is just the beginning of a long journey for its further maintenance. The time of the first breakdown comes, and the money for the rest goes to the cashier of the service center. However, many faults do not require the hands of a level 85 specialist.

There are many thematic forums and videos on the Web that clearly explain the cause and way of fixing the breakdown. Find a web-based auto repair school, chat with local car owners. It is possible that someone will be from your region and will not mind helping you.

12. Don't buy food at gas stations

Have you noticed that, stopping by a gas station, you inadvertently buy coffee, chips or a hot dog? This is a completely useless waste. If you are going on a long trip in which you definitely feel hungry, bring water and sandwiches from home. This approach will not only save money, but it will also be more beneficial for the body.

13. Watch your tires

Insufficient or over-inflated tires can lead to machine breakdown, rapid wear or increased fuel consumption. Pay attention to this nuance regularly. Set a reminder on your smartphone and pump up the wheels as often as necessary.

House

14. Replace your cable TV

Pay attention to how many of the proposed tens and hundreds of channels you are actually watching. Probably no more than five. Therefore, it is worth finding out if your operator has truncated channel packages for less money. Better yet, just unplug the cable and use the Internet to transmit the signal to the TV through your computer.

15. Do not spare money for expensive equipment

A large percentage of utility bills are related to heating and electricity. Winter comes and everyone starts to turn on the heaters. Summer is coming and everyone is flashing air conditioners. Remember: the miser pays twice. Save on cheap windows and low-energy-saving electrical appliances - your money will flow away from you hour after hour.

how to save money: energy efficiency classes

Do not spare money for expensive equipment. These costs will pay off quickly.

16. Give up disposable razors

There are men who prefer disposable razors. They may be affordable, but their long-term use is still more expensive than using a razor with replaceable blades. Moreover, you can search for whole sets of replacement shaving heads that are sold in bulk for little money.

The same goes for depilation of female legs. There is no need to buy the wonder machines advertised by marketers for the most delicate skin. This is usually a bluff. Nothing prevents you from using cheaper men's products.

17. Reuse containers

Many people remember how Soviet housewives dried bags for reuse. Don't let this seem like a waste of money. In fact, the same plastic boxes for sushi or cake are not so little, and in the future they may come in handy in many situations.

18. Make friends with your neighbors

Jokes and whole legends are made up about them. In practice, most of the people around us are not so bad. It is worth establishing contact with them, and you do not have to buy a number of goods "at one time" or rent them for a while.

19. Don't get carried away with buying cleaning products

Savvy salespeople have convinced us that every surface and piece of furniture requires its own cleaning products and tools. In fact, you can buy universal or use available tools. Of course, it is worth distinguishing between cleaning products for carpets and for wooden furniture, but you also don't need to fill the shelves with all kinds of cans.

Food

20. Eat before going to the store

You should not go to the supermarket even in a half-starved state. In this case, your brain becomes greedy for unreasonable purchases in reserve. It is not recommended to wander around the store because of idleness: you will definitely put something extra in the basket.

If you are shopping for groceries, try to determine for yourself the time limit that you will spend wandering between counters. By doing so, you will reduce the risks of over-buying.

21. Do not buy fromcorrosive products

Many of us are drawn to buy more of those pears that are sold at half price at the sale. Of course, you need to eat fruit, but you should not gain more than you can actually consume. Already tomorrow, a perishable product can take on an unsightly appearance and taste disgusting.

Moreover, the markdown of berries, vegetables and fruits, as well as other perishable products, should hint at the imminent expiration of their shelf life.

22. Get rid of the habit of buying energy

Try to familiarize yourself with the composition of power engineers. There is nothing secret and supernatural about it. Take some time and search the internet for recipes for natural energy drinks. So you will save your body from getting used to the harmful drink and will save a lot.

23. Stop eating fatty meat

No, you do not need to completely give up meat. But instead of your favorite pork chops, choosing cheaper and healthier chicken is worth it. Alternatively, you can set aside a specific day of the week during which you will not eat meat. Fasting will also benefit your budget.

24. Make coffee at home

In modern society, there is a kind of coffee cult. Thanks to him, every decent establishment has a voluminous menu with varieties of drink. Mobile street coffee shops are gaining popularity, and there is no need to talk about coffee machines in every institution.

If you are an avid coffee lover, a cheaper option would be to buy a coffee machine for your home or office. Moreover, modern devices are able to prepare several drinks at the exact time you set.

Habits

25. Cut back on in-app purchases

Avid gamers undermine their budget by spending a lot of money on in-game purchases. Let's look back and remember that the $ 5 Heroic Sword from the forgotten old game wasn't worth the money. And how many of these things, pumping accelerators and bonuses have accumulated over the years of passion for games? Scary to count.

26. Conduct disease prevention

We all know that prevention is not only easier than curing diseases, but much cheaper. However, most do not like to go to the doctor for examination. And in vain! Their services sometimes cost enormous amounts of money, which you might not have spent with proper care and regular prevention.

The same goes for the whole organism. Improper diet, unhealthy habits and alcohol will sooner or later hit your pocket hard.

27. Refuse laundry services

Some people choose to wash their clothes in the laundries without bothering themselves with this troublesome task at home. Others, on the contrary, buy drying chambers for the washing machine. Both options lead to a loss of funds. It's not so hard to put the laundry in the washing machine and then hang it on the balcony.

28. Get more focused

Phones, chargers, wallets require constant attention to themselves. They should be carried and stored in a specific place or pocket. Pat yourself on your clothes before heading out, make sure everything is in place, and get on your way.

29. Learn to manage and plan

Not all people know how to properly manage their finances. If you have such a sin, then why not transfer the right to manage money to your more restrained soul mate?

Or save some of the money you earn? This will teach you to do without loans and installments.

30. Don't create an oversized wardrobe

Seeing someone on a new shirt or dress, do you catch yourself thinking that you also want to buy something? It is quite easy to deal with this, following a simple rule: if you buy a new one, throw out the old one. If you have three pants in your wardrobe, put some old ones in the trash before buying new ones. This makes it easier to refuse new acquisitions.

31. Don't waste your time

Appreciate your time. Instead of playing or listening to music while on public transport, read or listen to some educational material. Knowledge will pay off anyway. During a boring lecture, you can check social networks, or you can understand the laboratory work and not pay for it. Time is money.

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