The famous January slope seems getting steeper and harder to get over. To all the extra expenses of the month of December, the price increases in basic services are added. An increase in expenses that costs a lot to face and that if not taken into account, can completely disrupt the domestic economy in the following months.
For this reason, these tricks to save at home will help you to better organize your expenses and with what you can overcome the cost of January, even with some savings. With little tricks and changes in habits that also will allow you to better distribute expenses a long the whole year. So that you will avoid arriving at the beginning of the year suffering the extra expenses of the month of December.
Tricks to save
Saving is necessary, it is even essential, because no matter how well you are doing financially and professionally speaking, an unforeseen event can occur at any time. Having a small mattress saved is peace of mind, peace of mind and security. No matter how little you think you can save, because payrolls are usually very short for how long the months are. In consumption habits is where you can save small (or large) amounts of money that in the end will become something important.
Take a look at expenses
Many times the money escapes in unnecessary expenses that we do not take into account. To avoid this, it is very important to know clearly what are the necessary expenses and what are not, because that way we can avoid losing money every month. Write down the fixed expenses, those that are for services and payments that do not change every month. Take the account and write down the amount, that money is a regular expense that must be covered every month.
Now calculate approximately what the expenses are in the shopping basket, if you pay with a card, take advantage of it to have a more exact figure. Take advantage of the fact that you are looking at the bank account to see all the expenses that have been made and that were unnecessary. I'm sure you'll be surprised the amount of money you've spent on things you don't need, only for not having a good forecast.
Plan meals for the week
Other good euros go into the shopping cart every month, especially when you don't plan well what you have to buy. Something logical since if not you plan meals of the week, it is difficult to make an efficient purchase. It is not about saving on food, or reducing the quality of family meals. Is about organize the menu, check the pantries and make a list of the fair and necessary purchase. This way you also avoid making small purchases during the week where many euros are spent on things that are not needed.
Save on energy consumption
Energy is at an exorbitant price, every day it changes and every day it goes up. For this reason, it is very important to know the hours of greatest energy expenditure in order to being able to save on the electricity bill. It is very simple because every day it is published in the BOE, you only have to consult the website of the Spanish Electricity Network. Reduce extra energy consumption at peak times, and you can reduce your electricity bill.
Beware of discounts
After the holidays, the winter sales arrive and it seems that they are mandatory and each one has to spend on average to comply with the official statistics. Something that undoubtedly adds unnecessary expenses that further complicate the January slope. Buy only things that you need. The sales are very good to save on necessary basics. If there are not, avoid falling into temptation and you will be able to overcome the first month of the year with money in the bank.
Money is a necessary and scarce commodity for the vast majority of people. Therefore, it is essential to learn how to handle it correctly so that it can fulfill its function without becoming a problem. With these tricks, you can learn to spend less and increase your savings.