1. Do not keep track of your expenses,
Money loves to be counted, and this is not just a common phrase, but a guide to action. As long as you do not keep track of your expenses, you do not know where the funds are flowing, and you cannot competently reduce spending, even if it is necessary.
There are many convenient applications that allow you to quickly and easily record all expenses. When it becomes a habit, you will cease to give it importance, but every month you will be able to see what you spent the money on. In the next period, this will allow you to abandon unnecessary spending.
2. Do not save at least 100 Rs a day
Saving 100-200 Rs every day, at the end of the month you can buy headphones that you have long dreamed of, or make a gift to a loved one.
Do not be afraid that after you decide to set aside such a small amount every day, the quality of your life will sharply deteriorate. In practice, you will not feel the difference, still buying yourself everything you need and not very. But at the end of the month or year you can afford a little more than usual.
3. You are not looking for discount products.
Using discounts is not only pleasant (you deceived the system and bought goods at times cheaper than they tried to sell it to you), but it is also really profitable. There is nothing wrong with buying products at reduced prices, going to the cinema for half the price and using special offers from restaurants, cafes and delivery services.
A good habit will be to update your wardrobe out of season: in the summer, winter boots are usually cheaper, and in a few months they will certainly come in handy.
4. Do not make shopping lists
Going to the store hungry and without a list of products has long been considered a move. You collect as much food as you can not eat, and as a result will waste money.
If you constantly forget lists with lists, keep records in the mobile application. So the list of goods will always be at hand, and the temptation to buy too much will be diminished.
5. Leave money too fast
Today, the transaction takes a few seconds, which, in addition to the unconditional advantages, has its drawbacks. We bring the card to the terminal without hesitation - and the money flies away from the account. In this case, we cease to distinguish between the purchase of really necessary things and all that, without which we will live peacefully.
Do not make serious acquisitions impulsively. Follow the rule of 24 hours: if after a day you will still be ready to buy a thing or pay for a service, pay. But often you can easily give up yesterday's idea.
6. Do not use a bank card with cashback
It turns out that you can be in the black, not reducing their costs, and even vice versa. Today, almost all banks offer debit cards with cashback. It remains only to compare their strengths and weaknesses and release the right one.
You can usually choose the categories by which the cashback will be increased. So, if you drive a car, it will be convenient to return to the account a larger percentage of the amounts spent on gasoline.
7. Lead on advertising
Advertising on the Internet and on TV in one way or another affects our consumer preferences. We want to buy exactly the toothpaste, which enjoyed a charming blonde from the roller. And it does not matter that this product differs from analogs only in price.
Approach consumption more consciously, choosing things based on quality, not promotion. This will not overpay for the brand.
8. Continue to do what brings little money
Work for work is a heroic approach, but hardly practical. Any work should be paid and preferably so that you can admit to yourself: "Yes, I really am worth so much."
By continuing to work in low-paying jobs that no longer allow you to live life to the fullest, you are depriving yourself of everyday joys. Collect will into a fist and find a new place for yourself where you will be valued as a specialist, and gratitude for the work that comes to the card will suit you.
9. Do not use your free time to earn more
Your time and energy are valuable resources that allow you to get more. If you do not waste them, of course.
For example, get a taxi service and bring people on the way from work, walk with a neighbor's dog or monetize your hobby.
10. Do not pay enough attention to your main asset - health.
If your work has become a prolonged stress, the work process itself has not been satisfying for a long time, and there is no desire to spend what you have earned after all.
There will be no health and good mood - there will not be all the rest. Do not be lazy to go to the gym, watch your sleep, take vitamins on time - do everything you need to stay in good shape.