Sometimes even if you earn enough, you don’t have any spare cash at the end of the month to save it or spend on your hobbies, for example, you can read more about casino slots. To make your financial situation better, you should get rid of these mistakes.
You Don’t Know How to Say No
Every time a friend invites you to a cafe, you say yes, and your friends know you as a regular at all the parties? Are you sure you have the means to do so? Or you just do not know how to say “no” to friends and colleagues, as well as your own unbridled desire to take from life always and everything? Analyze whether you’re living within your means, and learn not to overdo it.
You Don’t Compare
The Internet is truly one of the greatest achievements at the moment. Not for reading news about stars and arguing under a photo of the new iPhone that Samsung is cooler, but for comparison.
Monitoring the prices of the same products in both offline and online outlets is quite a useful job when choosing the right thing. Do not be lazy to spend an extra half day to save an extra thousand rubles, or even more. Just be sure to check reviews before you buy on a new store that you are not familiar with.
You Don’t Keep Track of Subscriptions
Many of us buy mobile apps or subscriptions to certain services. If such a purchase is a one-time purchase and is not auto-renewed after a certain time, you can ignore it. Yet, in some cases, it is necessary to pay for the use of an app every year, month, or even week.
The same goes for using premium status in an online game or reading your favorite magazine in electronic format. At the very least, check every December to see what subscription charges you’re facing in the near future, and after you buy another subscription service, make a note in your planner or Google Calendar a couple of days before it expires so you have time to unsubscribe from irrelevant offers.
You’re Not Saving
Setting aside 10% of your monthly income is necessary not only as part of saving and increasing your money, but also to create a safety cushion for yourself. From it, you can take money to buy medicines and undergo medical procedures. Yet, it is better to set aside money separately. After all, it is difficult to call such a situation an emergency. In the meantime, it’s a good idea to start investing your spare cash.
You Never Use Discounts
A bad habit is also an unwillingness to keep track of promotions. In today’s world, the competition among manufacturers of goods and services is so great that often, to attract or retain customers, you must at least once reduce the purchase price for them or offer free delivery.
Don’t hesitate to ask for discounts whenever and wherever, especially when placing your first order, and in that store where you are a longtime and favorite customer. At the same time, don’t forget to check out online stores to catch the sale season or a week of good deals.