Saving is a debate topic of personal finance, many have tried and few have succeeded, because people tend to overspend and borrow many times wrongly: Is this your case? We give you five tips for foolproof save:
What do you spend?
If you decide that it is time to make real savings plan, the first step is to know that you spend in your money. Record daily expenses you have, even minimal notice that shopping trip you thought insignificant, together give large amounts of money.
This practice lets you know that eliminate costs and what you should reduce to save.
Avoid unnecessary expenses
Before you buy something, ask yourself if you really need it and it will serve the long term, so you can save money you have to spend less than you earn. Preferably develops a budget and fixed your goals, with a plan to save will make good use of your money and you can allocate a correct percentage for fun.
Pay off the debts
If you want to save serious pay your debts, no minimum fees, but the total debt as you can. If you focus on the minimum payment, not decrease your debts and all your savings will be in the interest.
Take advantage of offers
Perhaps some consumers do not like this idea, but if you really have you proposed to save, a little austerity will not hurt, take advantage of discounts and offers to purchase any product. Compare and choose and find stores that offer the greatest deals, your wallet will thank you and you will achieve your savings target in a short time.
Reduce the consumption of services
Costs reduced in invoices helps a lot in the goal of saving, are options to turn off the lights when you leave, unplug electronics that are not used, do not use much hot water, use energy saving light bulbs, search more accessible cable plans, among others.