Money saving is important in these hard times. A lot of people spend money unnecessarily and do not realize that they can save it. You can cut down on many expenses without many changes in your lifestyle. Here are some tips on how to save money.

 


Expenses-Track Them

Learn to value the money you earn. Use a diary so you can keep track of how much money you spend per day and month. Keep all your electricity bills, water bills, mobile phone bills, cable charges, and all other bills. Make a note of your investments and loans. Once you write this down, analyze it so you can think of expenses you can reduce and those you can avoid completely.

Put the expenses in these categories:

  • Absolutely necessary
  • Necessary but possible to reduce
  • Unnecessary


Try to reduce the expenses from the second category and do your best to eliminate all the expenses from the third category. Continue tracking your expenses regularly so you can see how much and how wisely or carelessly you are spending.

 
Credit Cards

Credit cards are easy and convenient to use because you can go shopping without money, but there is an interest amount to pay so that means in the end you pay more than what the shopping was actually worth. Pay your credit card debts and do not use it any more.


Unnecessary Expenses

When you are paying for the gym and you are not really using it, it is time to quit the gym. If you want to work out you can start that at your own home. You can jog in the park. Do not buy books, visit a local library and read for free.


Shopping

Often we go shopping to make ourselves feel better or simply to kill time. Shopping can become an addiction so you need to avoid it if you are trying to save money. Go shopping only when you actually need something. Make a shopping list before you go shopping and stick to the list.


Using energy

Efficient use of energy is important for saving money. Always remember to switch off the lights, the television, the air conditioning or your computer when you are not using it. Do not leave the tap open when you are brushing your teeth.


Discounts

Instead of spending money and buying things when you wish, wait for discounts and special deals on certain items and services.

 

 Vocabulary

Nouns (imenice):Verbs (glagoli):
expense - trošak
lifestyle - životni stil, način života
tip - savet
diary - dnevnik
electricity - struja
bill - račun
note - beleška
investment - investicija, ulaganje
loan - pozajmica, kredit
category - kategorija
credit card - kreditna kartica
interest amount - kamata
debt - dug
gym - teretana
addiction - zavisnost
air conditioning - klima uređaj
discount - popust
special deal - posebna ponuda
item - stavka, artikal
service - usluga		 realize - shvatiti
cut down - smanjiti
track - pratiti
value - ceniti
analyze - analizirati
reduce - smanjiti, reducirati
avoid - izbeći
eliminate - eliminisati
continue - nastaviti
quit - prestati, odustati
work out - vežbati
kill - ubiti
stick - držati se nečega
switch off - isključiti
Adjectives and adverbs
(pridevi i prilozi):		Prepositions and conjunctions
(predlozi i veznici):
unnecessarily - nepotrebno
completely - potpuno
regularly - redovno
carelessly - nesmotreno, nepromišljeno
convenient - pogodan, zgodan
worth - vredeti
free - besplatan
efficient - efikasan		 -

 

Synonyms

 

Nouns (imenice):Verbs (glagoli):

tip – hint
diary – journal
electricity – electrical energy
investment – investing
loan – loanword
credit card – charge card, charge plate, plastic, credit card
addiction – dependance
air conditioning – air conditioner
discount – price reduction, deduction
item – detail

 

realize – understand, see
cut down – reduce  
track – follow
value – respect
analyze – examine
reduce – cut down
avoid – stay clear from; keep away from
eliminate – get rid of
continue – go on
quit – give up
work out – exercise
stick – keep to, hold to
switch off – turn off

 
Adjectives and adverbs
(pridevi i prilozi):		Prepositions and conjunctions
(predlozi i veznici):

completely – entirely
regularly – on a regular basis
free – costless, gratis
efficient – effective

 

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Antonyms

Nouns (imenice):Verbs (glagoli):

expense - asset, irresponsibility
tip - question, ignorance
bill - coin
investment - divestment
category - whole
debt - asset, cash, profit
discount - rise, addition

 

realize - disbelieve, misinterpret
cut down - enlarge, extend, grow, raise
track - avoid, neglect, pass over
value - be critical, criticize, overlook
analyze - neglect, ignore
reduce - develop, enlarge, increase
avoid - face, meet
eliminate - add, keep, retain
continue - cease, decrease, ignore
quit - allow, begin, continue
work out - give up
kill - create, build, give birth
stick - change, confuse
switch off - turn on

 
Adjectives and adverbs
(pridevi i prilozi):		Prepositions and conjunctions
(predlozi i veznici):

necessarily - unnecessarily, doubtfully
completely - partially, partly, incompletely
regularly - irregularly, never
carelessly - carefully, responsibly
convenient - inappropriate, bad, unacceptable
worth - worthless
free - costly
efficient - unable, ineffective, useless

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