Saving is about the little things that work to contribute to the bigger picture overall. For example, if you and your family are saving for a house, cutting out expenses that can be avoided is the best place to start.
Crunch the numbers. . . 1 takeaway coffee a day is, let’s say $4. That’s $28 a week. $112 a month. Wait for it. . . a staggering $1,344 a year. Obviously a little over a thousand dollars won’t buy you a house, but it’s a good start and some good renovation money!
Don’t worry if your financial situation is a little different. Debt affects everyone at some stage during their lives. And that’s where we come in. Pretty Penny offers same day loans to New Zealanders far and wide. Apply for emergency money, when you need it most.
Pretty Penny Loans always strives to offer the best financial advice and budgeting life hacks. This blog post is no different!
If you’re looking to make some extra room in your budget, then saving money is likely a priority that’s high on your list.
However, if saving doesn’t come naturally to you, it may be difficult to cut your spending in certain areas.
Instead of focusing on the small details, why not focus on ways to save money on any purchase you make? As a result, you’ll train yourself to look for ways to cut your spending, and you’ll be a natural saver in no time.
1. Buy Used, Refurbished, or Older Models
Most people enjoy the shine of a new toy, but that newness will cost you. If it’s at all possible, you should check for used or refurbished options first.
Think about it. Buying an open box TV will cost you a lot less than a new one. Likewise, buying a refurbished laptop has the potential to save you hundreds of dollars, especially on a brand or line that doesn’t go on sale often.
In any case, buying something that’s older — whether it’s used or new — will save you money, especially where technology is concerned.
2. Check for Promotions and Coupons
One popular solution to saving money on purchases is to look for coupons. The problem with that is it can be time-consuming. Most people don’t enjoy looking through the paper and clipping coupons on Sunday.
Instead, make it easier on yourself by having the coupons come to you.
Create an email account specifically for “junk” email and sign up for the newsletters of the stores you like to shop at. Most offer discounts, exclusive sales and coupon codes.
The trick is to only check this email when you actually need to make a purchase. Otherwise, the sales might be too tempting for you. Know your limits!
You can also check Groupon and other discount/deal sites to see if there’s a sale on anything you need.
3. Buy Discounted Gift Cards
Did you know that there are some websites that sell gift cards at discounted prices? For example, say you want to shop at Kmart. You might be able to find a $100 gift card for $90 or $85.
People sell their unused gift cards to these websites, and in turn, the websites offer the gift cards at a discount. Keep an eye out and you might find gift cards selling for $30 under their value. It’s a great way to get a little discount here and there.
4. Take Advantage of Cash Back Opportunities
There are many ways to earn cash back, and the great thing about cash back is that you can use it toward anything!
One of the easiest ways to earn cash back is through shopping portals. You sign up for an account and shop online via their affiliate links. In return, you get a certain percentage of cash back when you make a purchase. Once you reach the cashout threshold, you’ll be able to redeem your rewards.
Another option is to use websites that offer earning points toward gift cards. Again, you can sign up for an account, and performing certain activities (such as filling out a survey or performing a search) will reward you with points. You can then redeem these points for a gift card at a retailer of your choice.
See original source article here.
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