We’re just two weeks into 2021 just and as unpredictable as each day seems to be, it’s never too late to keep an eye on your finances and do some planning.
What better way than to set up your plans at the beginning of the year?
However, to do so, it is always good to find your way, if not even the perfect system which works best for you.
We from Fuzzable collected several suggestions, which should make saving money for you as easy as possible, on a short or long-term.
Let’s start our first Top 5 on how to save money in 2021 with the following suggestions:
#1 Stay at home
Well, tip number one isn’t really a surprise, right?
Ever since 2020 hit us, we know how to stay at home and keep ourselves busy with the smallest of things at home.
Cleaning, sorting through our closet, rearranging our furniture in all our rooms or even start a new hobby!
However, to stay at home forces you – in a good way – to also spend less money.
#2 Stop impulse shopping
Impulse buying in the shops can be prevented by trying on the clothes you would like to buy right then and there. Maybe, in the end, it’s not your colour simply, it doesn’t fit as well as you imagined.
However, with some more time at home and multiple ways to use the internet – and let’s be real: Even with new hobbies, the time at home turns boring at some point! – online shopping is the way to go!
It’s the glance at something and the easy way to add an item to your basket, which makes us all fall for the impulse buy, mostly at some time at night, when we all should be sleeping.
The best thing to do in these situations is to add said item to your wishlist.
Keep it there for a day or two and then, decide if you really, really want / or need it.
Side tip: If you decide you want to buy the item you set your eyes on, shop around, you might find it much cheaper on other websites.
Invest a bit of extra time, to find the right offer for you.
#3 Don’t overbuy
When it comes to cosmetics and little bits and pieces we treat ourselves with, it’s easy to overbuy.
As much fun as it is to stroll around your favourite shop and try different shades of eyeshadow of smell a tester of your favourite perfume or shampoo, try to limit yourself.
When you get in the mood to buy another perfume or you just found out that Lush has new arrivals you didn’t have your hands on, take a minute.
Sure, you’ll have to get a new primer in a while and the eyeshadow palette you own is in use for quite a while already.
All the Lush goodies, which are still waiting for you at home?
You won’t need two new bath bombs and another shower gel, because there are still just as many at home, which you haven’t used so far.
A new flacon of your favourite perfume?
It’s always a lovely thing to get and to stock up, but as you still have one in stock, that one will do for a few more weeks.
It’s hard to step away from all these little luxuries you might be used to buy, but it will – literally – pay off.
And if you need to refill your favourite make up, get a new perfume or treat yourself with another of your favourite luxuries, make a list.
Write down what you need, calculate how much you’ll have to spend on these things, and stick to it.
#4 Brew your coffee
It might sound like something small and won’t make any difference, but we’re here to tell you it does.
We all have our favourite place to pick up our favourite beverage.
Costa Coffee, Starbucks, you know exactly where to get your favourite coffee.
Think of all the nice toppings and specials you’ll get when you order your go-to – choice:
Whip Cream, extra caramel sauce, chocolate sprinkles… Amazing and so tasty, but even if you’re a member of every kind of reward- programme, it is pricy.
Buy whip cream and syrup (for example Minon) at the supermarket and brew your own coffee.
You’ll be able to mix it just the way you like it best.
#5 Use an accounting app
To keep up with your daily spending it’s important to keep an eye on your budget.
Once you were doing your shopping, be sure, you wrote it all down.
Use a notebook, where you set all your individual accounts to paper.
Or you take a look at the App store on your phone and choose the easiest App there is for you (and is for free)
Like that, you can recall all your spendings of the day, week, month and the whole year.
This also gives you a chance to judge which spendings you really want and need per month, and which you can easily minimize or scratch altogether.
Which are your tips on how you spend money on a daily basis?
Keep and eye on @Fuzzable for more, as you’ll shortly find another piece on here about long-term options on how to save money.