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:
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.
Nouns (imenice): | Verbs (glagoli): |
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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 |
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Nouns (imenice): | Verbs (glagoli): |
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tip – hint
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realize – understand, see
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Adjectives and adverbs (pridevi i prilozi): | Prepositions and conjunctions (predlozi i veznici): |
completely – entirely
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Nouns (imenice): | Verbs (glagoli): |
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expense - asset, irresponsibility
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realize - disbelieve, misinterpret
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Adjectives and adverbs (pridevi i prilozi): | Prepositions and conjunctions (predlozi i veznici): |
necessarily - unnecessarily, doubtfully |
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