Do you want to spend less money in the new year but do you find it difficult to apply this in practice? With these tips you are guaranteed to spend less!
It is important to start with the question: why do I want to spend less money?
Having your goal clearly in mind makes it easier to save money. Making it a fun challenge and being in contact with others who also want to spend less money makes it a lot easier to spend less money. In this article you will find a handy step-by-step plan and tips to spend less money in a fun way!
Spend a challenge for less money
To challenge yourself, you can first choose a challenge or challenge. You do this together with many interested parties, so that you can exchange tips and ideas. For example, search online for zero-spend months. You then buy for nothing, and motivate each other to stick to it. There are also challenges in which you use a certain budget that you cannot overcome. Or you do a less ‘heavy’ challenge, where you only tackle a few small habits to save money in the longer term.
Some easy tips for spending less money
Of course you don’t have to take on the challenge immediately if you are new to the world of saving. First try these things:
– View your shopping budget and see where you can save
– Do not purchase gifts, clothing or items that are not necessary at that time
– Cut on transport costs and gasoline
– Spend less money on outings, food outside the door
In short, consider what you spend a lot of money on and become aware of this. Are there possibilities to save money without having to give up a lot immediately?
Step-by-step plan for spending less money
Starting saving can be quite difficult. With this step-by-step plan you will be on your way immediately!
Step 1: Make a budget
When you start budgeting, it is important to map your finances. On the internet there are many useful calculation tools that help you to organize your finances. Also consider creating a (digital) housekeeping book. This immediately makes clear what you spend (too much) money on.
Step 2: Set goals
Calculate how much money you can spend on different cost items each week. Make sure that this amount is a challenge, but it is realistic/achievable. Otherwise this only works as a demotivator.
Step 3: keep track of how the challenge goes
Write down how much you have spent every day at a fixed time. You can do that on your telephone, on paper or digitally (with a household booklet). This way you always have a clear view of where your money has gone and you can see if you are on the right track to achieving your savings goals.
Step 4: check whether you are on the right track
When you go over your budget, try to spend less the following week, so that your end result comes true.
Step 5: find suitable saving tips
There are many different ways to save money. By looking at which saving tips are applicable for you, you achieve better results.
What are your best saving tips and are you also taking on the challenge of this new year?