If you want to learn how to save money, the you’ll want to read this article. I will explain effective tips on how to save money and how to become independent in life.
Money is an important part of our life because they help us to achieve everything what we want. Money influences the stability in life. So it is an essential to learn how to save money if you want to achieve the stability and independence.
When we learn how to manage money, then we take control of our life. If you want to achieve independence, you have to learn how to save money. So let’s begin.
Effective tips and methods on how to save money and how to become independent:
What does financial independence mean to you? Why do you want to learn how to manage money? If you really want to achieve independence, you have to understand clearly, why do you want that! The strong knowing “why” do you want to become independent will help you stay organized and motivated.
Develop self-discipline and willpower. These features are powerful. Why? Because self-discipline and willpower are the ultimate keys to achieving any goal.
Make a list of skills you will need to improve or gain if you want to become financially independent.
Recognize helpful resources. Think, what resources can help you to achieve financial independence?
Every month save 10% of your income. It is very powerful principle. Try it and you’ll see its efficacy. You’ll see that is easy to live with 90% of your income. When I heard it first time, I thought no way and it is so hard every month to save 10% of income. But after three months, I was so glad and now every month I use this principle. And it’s really works and this method helps to save money.
Evaluate your expenses. How you are spending your money? Do you always purchase what is needful for you? Do you often think how you can cut down your expenses? Take control of your expenses. It is very important to know clearly, what your expenses are. Always track your expenses!
If you want to save money around the house, you don’t have to make huge changes to your life to make a difference. Just do a few things a little differently and you’ll soon see the savings adding up!
Here are our top tips on how to save money every month on cleaning:
- To eliminate nasty smells, spray a piece of cotton wool with some left over perfume and put it in your vacuum cleaner bag or dust collector – it will leave a lovely scent around the house as you hoover. And make sure you change or empty the bag in your vacuum cleaner regularly, and also clean or change the filter and check for blockages. That way it will last longer and work more efficiently.
- No need to throw out those horrible smelly trainers. Use cat litter to deodorise trainers and shoes.
- A cheap cola can be used to clean and de-scale toilets. Tip it down the toilet and leave overnight.
- Hair conditioner makes a great shoe polish.
- Use banana skins to polish silver.
- Put crushed egg shells down the plug hole in your sink from time to time. Their sharp edges help remove debris. Make sure you crush them down well though and rinse through properly.
- Clean a microwave with just lemon and water. Put half a lemon in a small bowl of water into the microwave and ‘cook’ on full power for 5 minutes. The steam loosens the dirt so you can wipe it off easily, leaving a nice lemony smell as a bonus.
- Cheap baby wipes make good disposable cleaning wipes for the toilet seat and around. Don’t throw them in the toilet afterwards in case they block it up.
- A great tip on how to save money every month is to use own brand nappy sacks are a cheap alternative to dog poo bags.
- Don’t throw away old towels. Cut them up and use them as dusters or cloths for cleaning your windows.
- And talking of dogs – to get rid unwanted household smells, rub a little essential oil on lightbulbs to scent your room. Sprinkle bicarbonate of soda on carpets, leave for half an hour and hoover.
- Soak brass in brown sauce overnight for sparkling cleaning.
- Use toothpaste to remove ink stains from wooden surfaces.
- To clean shower doors use T CUT (Car polish) but use it sparingly.
- Don’t use expensive descalers for kettles, flasks, teapots etc. Half fill your kettle with vinegar, bring to the boil and leave to stand until the scale has disappeared. Rinse out, boil up fresh water and discard.
- To clean flasks and teapots – place the item in the sink, fill it with boiling water and add bicarbonate of soda. (It will fizz over, so be careful.) Top up with boiling water and leave to stand overnight. Discard the contents and rinse out with clean water
If you want to save money around the house, you don’t have to make huge changes to your life to make a difference. Just do a few things a little differently and you’ll soon see the savings adding up! Here are some top tips on how to save money every month on groceries.
- Don’t waste left-over food that’s stored in the fridge. Use fridge magnets to hold a large piece of paper on the door of your fridge. List the item, the date you put it in there and (in red) the date you need to use it up.
- Grow your own free herbs. When you buy a basil or mint plant from the supermarket, snip off the biggest stems (you need them to be about 3″ long) – put them in a glass of water until they grow roots. Put the rooted stems in a small pot of compost and watch them grow. When they are big enough to use, do the same again.
- Don’t throw away stale bread – use it to make a delicious bread pudding with: 225g (8oz) bread, torn into bits, 275ml (1/2 pt) milk, 175g (6oz) dried fruit, 75g (3oz) margarine, 25g (1oz) Demerara sugar, 1 level teaspoon mixed spice, a little grated nutmeg, 1 egg, tablespoon of brandy (optional!), a squeeze of lemon or orange juice. Pour the milk over bread and soak for 30 minutes, add the remaining ingredients and mix together well. Spread the mixture evenly in a flat dish, about 7 inches (18cm) diameter. Cook at 350F (gas mark 4/180C/fan oven 155C) for 100-120 minutes.
- Revive a limp lettuce by putting it in a bowl of cold water with half a lemon and popping it in the fridge for an hour.
- Take the bones, Parsons nose and unwanted scraps of a chicken, add half an onion and half a pint of water and create a superb home-made stock.
- Make your own breakfast bars rather than buying shop bought ones. Mix 2 cups old fashioned oats, 3/4 cup brown sugar, one cup flour and half a cup of olive and an egg. Add vanilla extract, raisins, whatever you want, press into a 13″ by 9″ shallow tin, then bake at 180 for about 20-30 mins until golden brown. That makes about 20 bars for a fraction of the cost of shop bought bars and you can adjust the recipe to your own tastes or to make a lower calorie version.
- Add oats to your minced beef to make your meat go further. The oats soak up all the juices and flavourings, so it’s tasty too.
- If you have over-ripe bananas, put them in the freezer. You can defrost them later and use in banana gingerbread, banana bread or Fiji Tart. (Place a layer of bananas onto the bottom of a pre-baked pastry case, cover with fresh breadcrumbs from stale bread, and dribble well with golden syrup. Bake at 180 degrees C for 20-25 minutes.) Another way of using them is to peel the bananas and wrap them in clingfilm before putting them in the freezer. You can eat them straight from the freezer as a banana ice-lolly. A great way to get children to eat fruit!
- If you have cooked too many vegetables, put them in a plastic bag in the freezer instead of throwing them away. Keep adding to it until there is enough for bubble and squeak.Before you make a trip to the shops, think carefully if you could wait one more day or could you leave it until tomorrow. You may find that you can make food last longer than you expected. This is one of the great tips on how to save money every month on groceries.
A lot of people think that cutting down on the amount they spend on food is near impossible. This is of course not true. There are a lot of simple things you can do to reduce the amount of cash you hand over at the supermarket check out. The real reason people find it hard cut down is they are eating a lot of packaged, processed and branded foods which carry a premium.
But first things first, you need to plan how much you are going to spend at the supermarket. How to save money on grocery shopping relies heavily on you making a list before you shop. You should write down a list of what you are going to buy and stick to it. The shop will tempt you but you should stay entirely to what you have decided to buy before you enter the shop.
It may seem obvious but buying things on impulse will mean you massively overspend during the course of a year. The designers of product packaging are extremely clever people. They have spent years perfecting the colors and patterns on the food packs.
Like bees to flowers we are drawn to them. The designers of supermarket layouts are smart people too. They know exactly how to funnel you into certain areas of the shop and where to put the most expensive purchases so they will get maximum exposure.
As much as possible shop on your own. If you go with friends or family then they are likely to disturb you and have you buying things that are unnecessary that you haven’t budgeted for. They will chat and distract you and stop you from the primary aim of sticking to your list.
And definitely only go with your kids if you really have to. The little ones are more at risk of getting sucked in by pretty colors and packaging than adults. And that is saying something. Their youthful exuberance will have an effect on you and you will be buying packets of cookies and such before you know it.
How to Save Money on Grocery Shopping by Planning Meals. Plan your meals every week so you can compile a sensible and realistic list. That is how to save on grocery shopping. If you know the meals you are going to eat a week or even two in advance you can do a big shop just a couple of times a month. Then you can get it all out of the way and have time for relaxing and doing other things.
If you don’t you will spend half your life lost in the center aisles aimlessly buying jars of sauce and packets of food when you could be at the park or watching a movie.