Money saving tips to boost your financial planning in 2013
After spending a lot in Christmas & New Year’s party this is the time to look into our pocket & fix up our financial planning for 2013. We have heard a lot that the planet will get destroy in December but we are all still safe. So this is time to strategize our financial to-dos for the running year. I know strategy will always person specific but I think if I will share this then it might help others to see the clear path to follow & stabilize their finances.
As being a corporate guy I am spending a lot for different refreshments like hang out, smoking, drinking etc. And after getting office cab I don’t know why my monthly expenses getting higher day by day.
So, here are the following to-do’s which I am going to follow to minimize my expenses. If the expenses will get reduce then I can saving more & partially that will boost my financial situation.
1. Reduce smoking habit for health & for saving money: For your kind information I am not a chain smoker so it not so hard to quit smoking. So, if I will quit smoking then that amount will go to my savings. So, this is the 1st & foremost monetary step from my end. So, this is advisable those who are not passive smoker they can increase saving by following my said way.
2. By carrying homemade food we can minimize the expenses: As we are spending a lot in our breakfast & lunch while we are in the office. So, if we will bring homemade food that will allow us to save more money this season. In addition that will boost our health too. So, this is must follow tips.
3. Hang out in friend’s place instead of going expensive bar or pub: We are very used to with the Friday’s party in different expensive bar or pubs. But instead of that if we will take the products & do the same in friend’s house or apartments then that will genuinely save our pocket money. So, friends start saving by following this process.
4. Be punctual & take the office cab to save money from conveyance expenses: This is for those who are getting cab facility from office. In the last few months I didn’t take the Cab in a proper time so I need to reach my office by self. So if I will take the office cab that will save our daily conveyance expenses. So, if you are also in the same boat where I am then please leave that habit & absorb the said good one.
5. Use internet in off pick hrs to avoid the excessive usage: Now we all are using internet but don’t have the unlimited offer but most of us are getting one facility i.e unlimited usage is applicable in late night so we usually not using that & fell asleep. So, we can use that time to do download & others. This is the best possible way to avoid excessive usage partially a huge amount of bill. I have started following this seriously, will you?
6. Switch mobile operators to get reduce all charges or more facility: In this competitive market all service providers are launching better offers for the user, if you are availing a connection where you need to spend a lot then switch your service by keeping your mobile no same. This is possible & most of us are already following this very smartly.
7. Free or discount coupons will minimize our shopping expenses: In corporate sector we used to get discount coupons or free coupons. Try to shop with the help of those coupons, this will genuinely minimize your budget. This is a must follow points.
8. Increase online shopping by review basis: Now days only shopping portals are getting very desirable, this will minimize our time & also pocket money for shopping refreshment purpose. So, if you will shop online that will increase your savings for sure & there will be some portal specific unexpected great offer sometimes, so you might get lucky.
9. Recurring savings for major tax returns at the end of the year, very good option according to me: We all are used to will online bank activities to save our time. Now you can create some e-recurring in your banks, this will be a very good option to take the huge burden of tax returns at the end of the financial year. Suddenly you will see your monthly deposit will bring a lump sum amount at the end of the financial year when it is really required. So, this is what I have already started following from the last year.
10. Can save money by avoiding laundry : This is a very common place where we are spending money but instead of this if we will do washing, ironing at the end of the week then that will mandatory increase your saving in this regards. So, you can avoid laundry & start following this. I have already started.
Finally we can give us a try. Let’s start a new year by boosting your finance structure. Say good luck to me & also good wishing to you all. In addition “Happy New Year” !! Will be oblige if you will share your feedback after reading the content.
