There are many expenses attached to living. Some you create by adopting bad habits and others are unavoidable. Fortunately, there are ways to reduce them and enjoy a fruitful life.
Part Ways with Bad Habits
Excessive drinking, smoking and gambling are not only bad for you, but they can also cost you dearly. Drinking and smoking can put you at risk for serious illnesses such as heart and liver disease, a heart attack, and even a stroke. Gambling may be fun but it can become terribly addicting for many. This can lead to spending hundreds or more in a single week. You may think you can beat the odds and win, but more often than not, you’ll end up losing.
Look for Discounts
With so many companies trying to gain the upper hand and grow their businesses, the timing is perfect for finding some real deals. Prior to any shopping trip, you should always invest a little time in research. Checking flyers and printing out coupons for supermarkets can add up to a large savings every month. When it comes to buying clothing, shoes, and other essentials, there are many stores that sell similar merchandise. If you want to avoid visiting several to find the best prices, go to sites like Rebate Key where they do the work for you. They have a listing of retail stores such as WSS. When they have discounts available they post WSS Coupons you can print.
Sticking to a Budget
You may not enjoy hearing the word “budget” as you equate it with compromise. However, it’s a budget that actually makes it possible to afford many things you previously thought impossible. A budget helps you view and track your finances. With the information in front of you, you can see where your money actually goes. It also identifies how much you need to pay bills on time. With the money left over, you can fund other areas of your life. You can set up savings for vacations, holidays, and even a new home.
Reeling in Spending
One of the biggest money sappers is frivolous spending. You buy coffee for $4 each morning, spend $10 on lunch, and then grab a juice on the way home for another $2. In a single day, your total is $16. For some it’s even more. Multiply the number by five and you’re spending nearly $100.00 a week. These expenses are avoidable by making coffee at home and packing a lunch for the office. Ordering take-out several times a week for convenience adds another $50.00 or more weekly. Now you’re upwards of $300.00 a month. Cutting back on these types of expenses will allow you to build a nice nest egg in a single year.
You want to enjoy yourself on the weekend but you don’t want to break the bank. Thankfully, there are dozens of things you can do to feel alive without spending a large amount of money. Family cookouts, where every family member brings a dish or chips in, are a great way to have a cheap outing and enjoy spending quality time with loved ones. A picnic in the park can be romantic, bike riding lets you see your surroundings up close and personal and camping helps you become one with nature. Take a long drive to nowhere in particular and take in the scenery or stop for ice cream. If you want to dine out once a month, look for coupons or places that advertise specials.
You can experience a fruitful life if you eliminate unnecessary spending and find things to enjoy for less.