I want to share with you 6 very simple saving tricks that can really work for you.
They are things that you may have never thought about, but where you have great potential to save an amount of money every month that can later mean a big saving.
Trick # 1: Unsubscribe From Emails And Messages From Online Stores
The truth is that many e-commerce stores offer discounts or promotions for Valentine’s Day or for the season of this, or the season of the other …
And every time they take out a promotion they send it to all the clients or prospects who are subscribed and clearly obtain a very interesting amount of sales, a large volume that probably still with the lower price, and a lower profit, a profit margin. less, it makes up for the amount of sales you get.
Why? Because these promotions are simply very effective, since people like you and me follow something that interests us or attracts our attention anyway and is at a lower price, we are probably going to want to buy it, we are going to be driven to buy it.
But precisely this impulse is as its name implies: impulsive purchases that suddenly we did not have on our radar or we have thought to do, and somehow or another we end up doing it anyway.
As long as we unsubscribe from those things and are not so subject to what they tell us what to do, when to do it and how to do it, we probably have easier control.
If at any time we want to buy something, we will go in, search and analyze. Suddenly if we are interested in perhaps obtaining something with a discount or promotion, we can start to follow up, as long as we do not want each thing we are going to buy to be at the exact moment in which I say and that’s it; We can save a lot of money by waiting for these discounts, but proactively , being the one who takes control, that it is not those stores that tell me when to do it.
This is how I easily end up spending more money than I had planned.
Trick # 2: Schedule an Automatic Transfer to Send Money to Your Investment Fund or Savings Account
The second tip to save money is simply to schedule a monthly transfer from one of your savings accounts to another, or to an investment fund, or to a CDT, or to any other instrument, account or element, savings object, anything that simply separates even if it is 5% or a fixed amount of money, or whatever proportion of your income you want, assuming that the money you receive monthly or biweekly is simply a little less.
Pretend that at the time of making the contract, accepting the offer with the company you work for, or when analyzing how the sales did in your business, you earned a little less and that’s it. . This way you automate the habit of saving some money and setting aside some money.
Remember that to start saving, the amount does not matter, the habit, the perseverance, the commitment to yourself to separate that portion of money, even if it is small, matters.
Trick # 3: Keep a 30-Day List
Suppose that you suddenly want to buy something that you see, that is very interesting, very useful, or whatever.
What you do is put that element on this 30-day list, along with all the others that come up (because there could probably be several, this happens especially much more to women than to men for some reason).
You keep it there for 30 days, you can even put a reminder for the 30 days that tells you “are you still interested in buying that? “… Many times when the 30 days have passed you realize that you did not even remember that interest you had to buy, or on the contrary you say” I have been thinking every day and waiting for the 30 days to arrive and yes, indeed I do. buy it ”.
That may no longer be such an impulsive purchase, as it is those of which your interest practically faded over time.
So when interest fades over time and you suddenly don’t want to buy what you felt you wanted to buy so strongly at the time, that impulsive purchase was really going to be a total and absolutely unnecessary expense.
Trick # 4: Always Go To The Supermarket With A Full Stomach
When we go hungry we tend to buy many things thinking about how hungry we are at that moment.
It is a somewhat strange and strange psychology, but always when we are full we make more rational decisions regarding what things we really need, and thus we avoid ant expenses (those types of expenses that go so unnoticed, we do not realize it, are very small and at the end of the year they end up eating an incredible amount of our money).
Tr u co # 5: Create Your Own “Peak And Plate”
In Colombia, the “pico y placa” is basically a restriction for those who have a vehicle. If the license plate number of the car (the license plate) ends in a pair or a certain number, it may be that one day of the week or several days of the week has a restriction regarding mobility, you cannot go out, unless be it with a special permit or paying an amount of money, or whatever.
But basically this means that at least in Bogotá half of the cars are not driving one day and the other half are not driving the other day, and in some other cities, for example, they are blocked and cars are prohibited from driving with the plates that end in 0 and 1, the next day with 2 and 3, in short.
Basically, what you can do for yourself to implement this same type of restriction is that during the days that you wear “peak and plate” (it can be one day a week or two, three days a week, as you want ), you are going to ride a bicycle, you are going to walk, you are going to suddenly take public transport or simply prevent you from using your vehicles, your motorcycle or your car …
This way you avoid wasting gasoline, you avoid polluting the environment if you decide to take a bike or walk, and you still save some money.
This is a strategy that you can implement much more easily than you think, or you can also do them by schedule, as it even works in some of the cities.
Or you can apply this concept to other things other than mobility, such as having only 1 day a week allowed to eat outside the home, the rest of the days you must cook yourself (which is the greatest form of savings), without go out or ask for addresses.
It’s about being creative and simply having guidelines that you set yourself, and that you yourself are willing to follow.
Trick # 6: Buy On Sale Days
Interestingly, there are at least drugstores that offer discounts four days a month, or every Friday, or something similar.
There are also pizzerias that have discounts on Tuesdays, which are the days when they sell the least and in general practically all stores, all businesses, all restaurants, all things have in one way or another moments in which their sales they are smaller and therefore they seek to compensate commercially with promotions, discounts and incentives to level a little the profitability of their periods of time in which they are not so profitable.
This is where you can take advantage if you plan very well what purchase you want to make and when you want to make it.
In fact, these are one of the main ways that shipping companies make a lot of money from people who don’t plan their shipments, and have to pay more expensive just to get them there fast and sooner.
It is incredible how many people pay more money for a shipment to arrive faster, when I really could have done it three, or four, or five days before and paid the normal rate; or flights, when we can plan them three months in advance but people are buying them for the same week or for the following week and pay more.
Likewise, there are many other opportunities and possibilities to save, just with the basic concept of spending planning.
If I budget and plan that I am going to make an expense, I probably have the opportunity to do it at a lower price by being smart about when I choose to make that expense, and not leaving everything to the last minute (as many Latino people probably just do).
Well, of course there is always a limit to how much money can be saved, how many expenses we can reduce and how much percentage of our income we can set aside for long-term savings; But there is no limit to how much our income can increase.