If you’re anything like many Americans, after the hectic holiday season and with tax time on the horizon, you are thinking closely about your finances this time of year. It’s inevitable… when you’re thinking about how much you earn in relation to how much you spend, a common thought during tax season, it’s logical that one of the next thoughts you might have would be “How can I save money?”
If you’re spending more than you want to, here are a few simple, easy-to-remember ways to help cut what you are spending – without having to do any complicated budgeting, without having to cut coupons, and without having to rely on your own willpower alone.
- Check With Your Agency Regarding Discounts Available – Our agency offers many discounts, from completing defensive driving courses to bundling insurance policies, there are many ways to take advantage of these. Call our office for more information and let us check to make sure we are providing the best value available for you.
- Leave Your Credit Card at Home - If you often find yourself spending more than you should when you’re out shopping, then leave your credit card at home. Take cash, or a debit card: that way, you can only spend what you actually have.
- Keep a Record of What You Spend - Keeping a spending journal can help you save. If you have to write down that bottle of cola and candy bar, you’re more likely to resist buying them. A spending journal will also reveal to you patterns in your spending, i.e. areas where you’re spending more than you realize, and where you might be able to cut down.
- Try Something New - If you normally buy only brand name products, try the store’s brand instead. You might be pleasantly surprised – most of the time there’s little or no difference in quality.
We’re constantly faced with opportunities to buy something – as we walk down the street, as we drive past stores, even at work with a vending machine nearby. And with online shopping, we can buy at any time of the day or night, with just a few mouse-clicks. Use these tips to avoid spending triggers and help you save on daily basis!