Este placut si usor sa cheltuiesti ce ai economisit, dar pentru asta e nevoie intai sa economisesti. Pentru unii oameni, poate fi o adevarata provocare sa economisesti. Daca esti unul dintre ei, iata cateva mici trucuri care te pot ajuta sa strangi fara efort economii importante pana la finele acestui an.
1. Pune pe lista cheltuielile lunare obligatorii
Cel mai bun mod de a evita sa cheltuiesti banii pe lucruri care nu iti sunt necesare este de a face o lista preliminara cu toate cumparaturile de care ai nevoie in decursul lunii. Poti pregati lista lunar sau saptamanal, in functie de obiceiurile tale curente de shopping. Nu uita sa incluzi in ea facturile.
2. Planifica mancarea pentru o saptamana
Acest obicei nu doar ca te va ajuta sa economisesti, dar te va si mentine intr-o forma buna. Cand iti pregatesti mesele dinainte acasa, poti alege o dieta mai sanatoasa, cu un echilibru caloric. Nu e niciun motiv sa iti fie rusine sa iti aduci mancare la birou. Uita-te in jur, probabil nu esti singurul.
3. Fa-ti cafeaua acasa
Cata cafea bei zilnic? Cat platesti pentru consumul de cafeina? Este mai profitabil pentru tine sa iti umpli un termos cu cafeaua fierbinte si sa il iei la birou. Cea mai buna parte este ca poti adauga lapte/crema, zahar, scortisoara sau orice altceva iti place.
4. Fa sport acasa
Un abonament la fitness nu este intotdeauna accesibil. De ce sa nu te antrenezi acasa? Internetul iti ofera mii de videoclipuri si programe de training ce te vor ajuta sa iti intaresti musculatura si sa arzi calorii. Da, e nevoie de disciplina, dar cu acest scop in minte (sa economisesti mai mult si sa arati bine), nu iti va lua mult sa o construiesti.
5. Petrecerile de acasa sunt mult mai distractive
Gandeste-te putin – cat cheltuiesti la restaurant sau in club? Te poti distra la fel de bine si acasa. Economiseste bani invitandu-ti prietenii acasa. Fiecare poate aduce cate ceva de baut si de mancat si va puteti distra uitandu-va la filme, jucand carti, stand la povesti grozave sau dansand.
6. Controleaza-ti emotiile
Cumparaturile compulsive iti afecteaza portofelul in cel mai rau mod posibil. Gandeste de doua ori inainte de a cumpara ceva din plictiseala, stres sau suparare. Mai bine elibereaza-te de probleme discutand cu prietenii, ori chiar mancand un bol mare de inghetata sau o prajitura, in loc sa golesti mall-ul si sa te intrebi cateva zile mai tarziu ce sa faci cu toate hainele si accesoriile. In cele din urma, dar nu in ultimul rand, asteapta 48 de ore inainte de a apasa pe butonul „Cumpara”.
7. Munceste mai mult
Este logic – cu cat ai mai mult de lucru, cu atat ai mai putin timp pentru cumparaturi. Concentreaza-te pe cariera pe care ti-o doresti, alege proiectele si scopurile care te fac sa te simti bine si consuma-ti timpul pentru ele. In cazul in care nu iti place aceasta optiune, poti si sa iti petreci timpul visand.
8. Previzioneaza periodic bugetul lunar
Regula de aur este ca daca vrei sa economisesti mai mult, trebuie sa iti controlezi banii. Pentru a reusi acest lucru, obisnuieste-te sa tii evidenta cheltuielilor. Alege o zi in fiecare luna in care sa evaluezi unde se duc banii, planifica-ti optimizarea economiilor si fa un plan pentru o luna in avans. Iar cand la finalul anului vei avea pusa deja deoparte o suma considerabila, poti continua sa o cresti deschizand un depozit la termen la TBI Bank, care ofera una dintre cele mai bune rate de dobanda de pe piata, fara taxe pentru deschiderea depozitului, administrarea contului, completarea sumei sau retragerea inainte de termen.
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