When it comes to our personal finances, we’re deeply invested (get it?) in our financial future. We all want to know that we’re taken care of in case of an emergency, or that we can afford the essentials, but it can feel like the deck is stacked against us, and that’s because it is. The world around us has been designed from the ground up to rob us of our hard earned money, so we have to be cautious and vigilant in order to save the money we need for the security we’re looking for. The good news is that savings are every where, the bad news is that this is because you’ve been tricked into over paying for products and services for years without even noticing. Here are some tips to help you fight back and save money.
First and foremost, you’ll want to reduce luxury spending. While some luxury spending is okay, if not necessary, in order to preserve your morale and your mental health, most of it can be gotten rid of without much of a downside. For example, you may want to hold of on that Apple Vacations getaway you’ve been looking forward to, as that can be quite pricey. However, if you must take that vacation, be sure to use the above link to at least save some money on it. Another luxury you don’t really need cable TV. Internet is far more important these days and encompasses much of what TV has to offer, news included. The key is not for me to tell you what you can and can’t spend on but, rather, for you to use your own judgement on a case by case basis.
Another important way to save is to simply shop smarter. For starters, you’ll want to start buying off brand products where possible, and they’re almost always just as good as the name brand variety. However, this means looking to lower shelves in store aisles, because name brand products have exclusive rights to eye level shelves. You’ll also want to keep your eyes peeled for sales, coupons, and other cost cutting offers.