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| Illustration of life in a big city. source: google |
Some people who live in big cities, with lifestyles that tend to be consumptive and wasteful, it seems difficult to start learning frugality. The reason, besides feeling pleasure will be reduced, when frugality, it will require adaptation both related to food and other things that are initially accustomed to the maximum, must be replaced with a minimum.
In fact, if calculated, the residents of big cities will have a greater amount of savings, if only they want to save money by not having the desire to live in luxury.
One of the things that sometimes makes it difficult to save money is when shopping. There are many products offered when we shop, with varying prices too. The quality is indeed not in doubt.
However, in a state of frugality we should begin to use alternative ways to be able to stay alive as usual, without having to always spend money on something less important.
Here are tips to save money, which might inspire you:
1. Avoid impulsive expenditure
Most people spend money to buy something they really don't need. To avoid this, we can do the following 2 things:
#Stick to the Shopping List
Based on research from the University of Pennsylvania shows that people who can avoid impulse spending can save up to 23 percent of their income. It is better to make a shopping list so that expenses are as needed.
#Don't shop with a credit card
This is also often done by some people when shopping, with the aim of wanting to make transactions faster. In fact, using a credit card like a virus that makes us addicted to continue to use it, especially if there are attractive promos in it.
2. Have Lots of Food Stock
Shopping when there is a promo discount for some basic needs, it could be an economical alternative. When there are attractive promos, and finances are good, we can buy our basic needs in double amounts.
Who knows, in the following month, the food we buy can still be consumed. Buy food that is durable, so that we can be more efficient for the next few months.
3. Shop at a Suitable Price
Frugality when shopping can also be done by shopping at the grocery store that sells its products at a cheaper price compared to the prices of basic necessities in the supermarket or at the mall.
4. Set aside Some Money for Savings
The rules of saving are certainly always present in every one of us will save money. If every day our routine expenditure is to buy lunch outside the office, try to calculate how much rupiah is spent each day to buy lunch, then multiply for 1 month.
If the results are large enough, make an alternative whether this expenditure can be further reduced. If you can, save the rest and unite with your monthly savings.
5. Drive by Choosing a Used Vehicle that is still New
Today there are so many types of vehicles that consumers can choose to use as private vehicles that will support their daily activities. If you want to save money, we should choose to buy a vehicle that is old or used, but still new in terms of engines and other components.
That way, we can certainly save a lot of money compared to buying a new car, which in the next few years the price will also decline.
6. Paying All Credit Card Debt
Have you ever thought about how much money has been spent to pay debts every month. If we don't have debt, we can allocate the money to our savings or emergency funds, which will be useful in the future.
If you now have credit card debt, try to pay it completely, so you don't have to mess around with the bills every month.
Remember Every Expense, Must Save
Just like buying lunch every day outside the office earlier, if multiplied for 1 month and the amount is large, why don't we try to save even more expenses by reducing and saving it as savings.
Do that in every other expenses. A simple life with regular finances is better