Draining your batteries every day because of work but seeing very little concrete evidence of time that you are spending can be really frustrating. Simple solution to this problem can’t be found in some book. But, looking from my experience I usually spend money from my work on some things that I don’t really need. It is not that hard to go in shopping mall right after getting your money on plastic card and spend good amount of it on random things.
2 months ago I started using monefy app for tracking my money. The result was pretty surprising to me. While looking at results on the phone I didn’t believe myself, I spend more than a 75% of my budget on eating out and shopping. That is clearly very bad decision that costs me a lot of bucks. After spending some nights looking for solution to this problem I came up with few of them.
Stop boredom eating
Changing McDonalds cheeseburger for something healthy can improve health and save few bucks. It is easy to store some fruits in a fridge for moments of boredom. Screen time typically raises the chance for boredom eating. However, Netflix time does not have to be excuse for calling fast food. It is easy to replace jumbo pizza with traditional snacks which are actually healthy and cheap (popcorn/mixed nuts).
A bit more of cooking at home
This will not only improve my health but it will also improve finances! Eating meals at home will cut food budget dramatically. If I prepare healthy meal for my self at home it is like 5-6 dollars per meal, to get exact same meal at some restaurant I need to spend double or triple.
Most importantly in this way I can choose size of a meal for lunch or dinner. Here in Croatia prices are same for lunches and dinners, and there is no any differences between sizes of meal. For some of you this can be a little bit weird because I know that a lot of American and British restaurants have different sizes for different time of a day. This is some kind of double win for me, I reduce spending and getting control about sizes of portions.
Not rich enough to buy cheap things
This piece of spending “pie” is not that hard to control. To be honest, I have a big problem buying a lot of things on e-bay (Amazon pays big shipping costs for Croatia right now). It is not like I buy to much of them, it is like buying a lot of things which don’t work in the first place. I spend so much money buying T-shirts, shoes and gadgets which broke almost the same day when I got them in mail box. As you can guess, I need to pay for the same thing one more time and that is my friend losing money!
Living in small town is great place to reduce “public transport” costs. A lot of time I call Uber or taxi just because I am lazy to go home walking. Again, this is double win, it is healthy and will save some money for more important things.
Do you have some more ideas for saving money? If you do, tell me in comments I will gladly read about them!