Good Lifestyle

This is the panic season on your expenses. If looking at your holiday credit card bill and your paycheck give yourself an anguish crisis, it may be time to re-evaluate how you spend your money and what you could do to save a little more. You have probably tried to place a budget or reduce here and there, in vain. Hey, it happens. But it is likely that there are money saving strategies that you still have to consider. We talked with a handful of experts and gathered 40 ideas to help you put more savings salary. And for more financial advice for the coming year, consult the52 simple ways to be smarter with money in 2018.

Carla Dearing, CEO ofSum180Online Financial Wellness Service, offers using a money tracking service online, such as mint or Quicken, to see all your financial accounts in one place and even create your first budget.

"Doing that, you'll always know where you are financially," she says. "MINT, for example, gives you full access to your data on the website and your mobile device, if you use iOS or Android. Better still, mint keeps a look at your money for you. He even sends alerts to remind you to pay your bills or when you go on the budget ". And for more ways to stimulate your savings, here's howEarn $ 500,000 in your free time.

As a development or a hike in the woods, saving money is often more effective when you have finished with a friend. If you have a friend or colleague who sets similar goals for their savings, helping each other responsible, discuss your respective goals and monitoring your progress. You are much more likely to stick to your plan knowing that you have to discuss it with someone else at the end of the month. And for more tips, here is52 ways to be smarter with money in 2018.

"Identify two or three regular monthly expenses that you can do without deleting," adds Dearing. "For a person, the load can be eliminated cable and a data plan too generous. On the other hand, it can be online purchases and additional expenses for meals. Be creative if you do not feel private. »

"You can be able to save more money using an unlimited data plan for your mobile operator, then using a Google Chromecast to watch your TVs on your TV," saysJ.R. DUREN, A personal finance expert toHighya.com. "If you want live TV, an HD antenna should give you access to all your favorite programs and football network on Saturday and Sunday. And for more ways to save money, here is the20 secrets do not want salesmen that you know.

Similarly, the points in Düren adhere to a gym that the areas you may be by reducing the considerably.

"Gymnasium will try to sell you their facilities, talk about their classes, basketball courts and pools," he says. "But, unless you are already doing sports or swimming, related to the court, there is a good chance that you will not be able to use classes are always the courts or pools of the gym. A big draw, but the truth is, most of us will not participate unless we have a friend go with us ".

Instead of gym with all fancy amenities, it recommends an alternative friendly budget like Planet Fitness or Snap Fitness, "who both have memberships for $ 10 a month. »

Get more efficient on the use of energy is one of the simplest ways to take a piece of your monthly expenses. A programmable thermostat allows heating or cooling your home as you choose, avoiding waste and unnecessary expenses. And for excellent investment tips, hear these5 Top Secrets Millionaire Silver You Can Use.

"What we really need? Stop and think about it and get clarity for yourself, "saysPamela Yellen, A financial investigator and the author of twoNew York Times bestseller of books, including the last,The bank on yourself revolution: fire to your banker, Bypass Wall Street, and take control of your financial future.

Go through your credit card bill or bank statement for one month and make a "W" or "N" next to each element-chances are that there will be much more of the old than it. The difference should help make it clear how much you can cut and will be a valuable exercise you make day-to-day decisions about what you need to spend your money.

"And if you have children, teach them the difference between needs and desires will give them the means for life," says Yellen.

"The great happy for most of us has memorable experiences and to be with the people we love," says Yellen. "This other thing we are pursuing? It's usually good to please and not very fulfilling."

Get an extremely fanciful meal for lunch could be satisfactory, but it is unlikely to provide you with a real long-term fulfillment. On the other hand, spending money to see a show that you and your spouse has been excited to see the type of long-term pleasure that reinforces a relationship. Choose your expense battles.

"If you like to eat, let yourself be able to make delicious meals at home six nights a week," said Cherring. "Your restaurant meal a week will feel more special and you will save a ton of money."

Not only you will change your expenses, you will get a lot more from the night when youto dogo to the restaurant. If you eat too much to overnight a night a week a realistic goal, try cutting the number of nights you eat halfway at three times instead of six times instead of six times and see what you feel. "The Office of Labor Statistics indicates that the average US household spends approximately $ 262 per month," says Duren. "Cut your two restaurant budget can probably save you at least $ 100 a month." And if you folled, know that a fancy meal at home in one of theBest ways to surprise your wife.

"When you have a good day at work, do you want to feel better? Are you triggered to overcome in a bookstore, a quincail or a swap meeting?" Request Yellen.

Once you have identified circumstances when you tend to perform unnecessary purchases, you can work to find your behavior, maybe avoiding these places that you are most likely to spend, leaving your credit cards at home when You will access a place where temptation could take effect, or another strategy. "Know Thyself'-and especially to know your expense triggers so that you can take them out," says Yellen. And for more ways to know that you are here, here is70 genius tips to enhance your confidence.

While a radical change in your expenses is like a radical change in your consumption, it is unlikely to give a difference in sustainable behavior, it may be helpful to kick the reduction of your expenses with A blow trying to know what calls a "no-spend month."

"This exercise can make a big difference in your personal balance sheet," says expensive. "It's simple: engage in a period of 30 days of expensesalone on necessities. Walking or cycling at anywhere instead of driving; Take lunch at work every day; Kissing free entertainment options, such as the exploration of local parks. Not only will you save a lot of money during this period of one month, you can end up re-evaluating the old expense habits and you decide to prefer your own creative and inexpensive alternatives. "

For the most part, just doing one or two of these spending cups would sufficiently be a challenge, but if you are the guy who likes to become great, a full expense feed could be an informative practice.

How long have you been called your credit card company and asked them to reduce your rate? There is a good chance they prefer to reduce your rate of a few percentage points if it means the difference to keep you as a customer or not. And once you did that,Fly the secrets of the Winklevoss twins to succeed.

If you always escape this balance that returns to sub-cygre, consider reaching your hand on your loan maintenance business and examine a refinancing option. "When you refinance your student loans, you will have a consolidated loan with a single monthly payment and a lower interest rate, which is important, because more of each payment is to pay the balanced amount," says the darling.

She suggests companies likeSocial finance as one with a strong refinancing offering and, to make a deeper dive on the subject, verifying "The ultimate guide to repay student loans faster. "

If you are looking for ways to reduce your debt, but also to own a house with some actions in it, you could also consider a home equity line (Heloc), which are often significantly lower than you would pay on a Credit map.

"By paying the credit card and moving this balance to a HELOC, you have reduced the amount of interest that will be able to repay the debt more quickly accordingly," said that Chering.

Although many financial advisors suggest leaving credit cards at home or even cutting them to avoid temptation, Yellen has a larger approach. "I prefer to wrap my cards to my goals," she says. "Every time I take a card, I see a photo or words that represent an important goal for me. I have the opportunity to stop and decide if what I am about to buy is more important than this goal."

Think about what you would like to save your money or what you want to spend on vacation, a new car, your college of your child. Anyway, a look that it might be enough to remind you why it's worth skipping this second latte of the day.

Make a habit of preparing a large casserole or lasagna (or a large slow chili cooker) and eat it for lunch several days in a row. The purchase and preparation of a jackpot of anything is to get more value in the long run (and requires much less work) than trying to make a new meal every day.

If you have your lunch one week at a time, there is no reason not to expand by investing in a deep freezer, allowing you to buy in bulk and have food ready to do all the year. This will save you a ton of long-term money.

"The next time you feel the urge to buy something you did not plan to buy, you simply put on your fist or flexing your biceps," says Yellen. "Voila! The spell is broken and you can really think clearly again."

Alternatively, you can put a rubber group on your wrist and click on it when you feel the desire to get your wallet out. Tactics are often effective for breaking bad habits and can sometimes work to reduce bad spending habits.

Chris Whitlow, CEO ofEducateA financial welfare provider suggests taking this approach before the beginning of the month: Write all expenses you have (rent, food, cable, telephones, food, transport, etc.). Then add upcoming expenses you know you will have, such as vacation purchases and renewal of insurance. Finally, subtract your income from your expenses to zero.

"It can make adjustments to zero, but once you do, stick to this budget," says Whitlow. "If you spend more than what you do, find ways to reduce your budget. It could be to buy generic objects at the grocery store, using coupons, grab your morning morning coffee cup at home or finding a side haste. Conversely, if you win more than your total monthly expenses, budget for savings and retirement accounts and add these line elements to your budget until your income and your expenses are equal. "

A beautiful new pair of shoes or jacket is one of the great pleasures of life, but it is also the kind of unnecessary spending that can really hit your credit card at the end of the month. Instead of replacing the worn elements of your wardrobe (especially those worn because you like to wear them), try to repair them or take them to a professional. You will end up spending less in the long run.

If you do not take advantage of your company's 401K Correspondence program, you do not miss you. "It's free money you just can not go on the table," says the blogger who writes under the name Xyz forOurfinancialPath.com. "Lunch to automatically contribute to each paycheck, define an asset allocation that works for you and forget it."

For any other investment, he suggests using wealth management services fromPersonal capital, or set up an automatic investment program with a broker such asAlly.

Speaking of 401K, everyone knows the benefits of setting up automatic allowances to a savings or retirement account. When you get your paycheck and savings have already been drawn, you do not even notice how much you eliminate each pay period. This should not be limited to retirement savings - consider setting up automatic deposits for other large tickets or long-term purchases. Take $ 50 each month for holidays, or $ 100 for other investments.

You have a great promotion or hit in your salary recently? Configure automatic savings so that the increase in remuneration is automatically invested or moved in a special savings account. You worked well without this extra money every month, so you will not be able to make the difference.

This is the holiday season, you probably feel likely to make credit card debt at the store to find gifts for all those in your list. Instead, consider going to a cunning road or cook something for his friends. A kind of creative concoction, like an album or a mixtape, will cost you much cheaper than a bought gift and will be more thoughtful, too!

Review your credit card rewards and make sure you take full advantage of them - or looking for other cards that will provide you with the type of rewards you really want and use. "Rewards and Silver Reset can result in thousands of dollars in savings that you may have missed otherwise," says Alex Cohen, CEO and co-founder ofBirch finance.

Just as you get a regular health check, take your personal expense assessment each month by examining your invoices and ensuring that you do not pay the utilities or subscriptions defined on Autopay that you do not need.

"Several times, the convenience of the attachment of invoices on Autopay is excellent not to miss payments but can also cost us more if we forget them," saysNatasha Rachel Smith, a personal finance expert at the Silver and Coupon SiteTopcasashback.com. "Every few months, let's go over your payments and reduce the cost by eliminating all subscriptions or services that you do not need."

"Whether you launch coins in a bucket at the end of the day or save all 1 $ and $ 5 bills, he's going to add up quickly," says Smith. "Give him at least 6 months to a year before moving your accumulated change from the bucket to your savings account to give it enough time to grow."

A high-tech version of the Change Strategy bucket are applications likeGlands Or Bank of AmericaKeep the change savings program, which allows you to round up every purchase you do to the nearest dollar, investing change. These "microinvestments" will probably not even be noticed, but they can be seriously substituted.

Try to put $ 1 or $ 5 in your change pot every day for a month - it can mean to reduce a little more about additional expenses every day, but at the end of the month you will have accumulated a healthy amount of money at the deposit.

Saving money should not be all about the sacrifices you make - Smart Saving is just as much to reward you to be financially responsible. Create periodic rewards to allow you to enjoy when you have reached a budget goal or to keep you with a savings plan for a given period.

"Celebrate small victories to keep you motivated on the road to the budget," says Smith. "Small victories allow you to stay focused on your goal and not the harp on monetary failures such as excessive expenses. It's a Reprominating in itself to live in your means, but you will have additional savings at the end of the account to use to treat you. "

If you are someone who spent time in the service industry, instead of treating you, you might be more interested in switching to you. ThePoint The application allows you to give you some money when you do something you are happy.

"It's a cool concept that plays in the psychology of money to help you repay debt or save for your goals, faster," says Xyz from OurfinancialPath.com. "Applications likeRepay the debt A great way to manage your debt and chose the most effective repayment method while remaining motivated. "

If you reduce to eat you, you probably make more grocery store, which means you should take full advantage of the coupons.

"Coupons are still in Sunday newspaper and there are also many relevant applications," said David Bakke, a personal finance expert on the blogCripcase.

Applications such as Caisse 51, Ibotta and registration savings are all worth examining.

One of the oldest monetary backup book tips is to pay with money instead of credit card. You are more likely to feel the psychological impact of bombing $ 40 when it requires you to shoot two twenty of your portfolio than if you drag your card and you are with your day. Make a habit of removing a quantity of fixed money and paying food, drinks or other daily expenses using it. The process may seem a little overlooked, but it's partly the point. And for more reasons to carry some benjamins, readWhy do real men wear money.

Another way to do cash to your money saving advantage: pay with large invoices.

"Believe it or not, wearing larger foreign exchange bills (such as $ 100) can help you save money," saysScott W. Johnsonthe owner ofWHOLEVSTERMLIFE.COM. "Why is it exactly? (1) Because some stores will not take good bills, and (2) psychologically, the breakup of" buck "will bring you anxiety. Think of a simple plan in this way : Let's say your budget for expenses is $ 250. Get two bills of $ 100 and not $ 50. Try it and look at how you will have more at the end of the month. "

ELIZA CROSSwhich has theHappySimpleLiving.comsuggests that you make more difficult to withdraw money from your savings account.

"I put in place a monthly automatic withdrawal to my bank for savings, but I quickly discovered that I wanted to raid the savings account to cover small emergencies so that money is not accumulated", she says. "Instead, I opened an" annoying savings account "to a credit union a good distance from my main bank, where I have to drive and talk to a cashier in person to withdraw the money. I do not uses that this account for automatic savings, and I refused the debit card they proposed to discourage the temptation further. By making access to money more difficult, my account was finally lucky to really grow. "

Whenever you do a laundry charge, place $ 5 in your savings account. It is an easy way to make a periodic repository that will be added over time.

If you live in a city of a decent size, there is a good chance that there are free shows. Look for them and hierarchize the outings with a zero ticket price. It may require you to be a little more creative than going to a movie, but you will save not only money, you will discover something you probably did not think about checking.

Instead of going to a bar where you pay $ 8 for a beer, invite your friends and encourage everyone to bring a six pack. You are everyone to finish by spending less than you would do it for an evening and you find with much more to drink.

Attempted to buy big tickets? Do not sleep, wait a month. If it's something you really want and you can actually use a month after you have itch to buy it, there is a good chance that it will be worth it. But there is an even better chance that you can realize that you do not want it much more.

It might not seem like that it relates directly to expenses, but the practice of a more grateful state of mind could effectively fuck your reflection on how gadgets, lists or other tips could never .

"When we practice gratitude, we feel" richer "and more prosperous in all ways," says Yellen. "Our self-esteem is bigger and we generally feel happy and recognizing many aspects of our lives. For this reason, we are less likely to crousting material goods to feed an emotional need." And for more advice on maximizing your money, check the20 best ideas of hurry to put your savings on steroids.

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