5 tricks to save a little money every month

Since the crisis began, saving has become a maxim for government, companies and, of course, domestic economies. How to get it?

Since the crisis began, saving has become a maxim for government, companies and, of course, domestic economies. Facing the expenses without staying at zero and maintaining a mattress that can get us out of a hurry if, for example, the electricity bill goes up again (and turning on a light bulb becomes definitely the equivalent of bathing in liquid gold), is for Many a complete odyssey .

14 years ago that the rate of savings in households was not shown in negative , according to INE data, and about 70% of citizens say they do not have enough money to save. Situation, at least, complicated.

The vacations, the nocturnal exits or the purchase of clothes, are some of the whims to which at least a 70% of the respondents has resigned

However, according to the data from the «I Online comparison study towards smart savings» prepared by Rastreator , while for 34% it is almost impossible, 66% of Spaniards are able to save some money at the end of the month . The question is clear: know what are his tricks to not stay at zero (when not in the red).

6 out of 10 Spaniards manage to save, how?

The answers collected in the aforementioned study collect some of the new habits that citizens have acquired to save money. Among the most important, the decrease in spending on leisure or accessory consumer products (not necessities).

The vacations, the nocturnal exits, the dinners in restaurants or the purchase of clothes and complements out of season of reductions, are some of the "caprices" to which at least 70% of the respondents has resigned to obtain to save something in order of month.

The spectacular rise in prices in electricity bills, gasoline and food are, to a large extent, responsible for the consumption of other goods and services being reduced. Situation that, in the long term, will affect the economic system negatively.

6 tips to save on your domestic economy

1.Establish a budget (with a goal to be achieved): it is important that you take into account your monthly fixed expenses to calculate a saving goal. If you do not really like the numbers, get a spreadsheet to keep accounts up to date. Thus, you can control the quantities (more or less elevated) that you can save. Do not forget to include a percentage for variable expenses! In this way, if you "spare" to go out for dinner one night, you will feel

2. Compare prices and look for offers : you do not need to go from one supermarket to another looking at the prices (although it's never a bad idea). You can ask your relatives, friends and coworkers where they buy and compare the quality-price ratio of the products. Probably when you know what others are saving, you start to get more interested in what you spend each month.

3. Avoid impulse purchases (you almost never need it) : many times we buy things for a treat under the motto "I'm working for something". Impulsive consumerism is the worst enemy of saving and can alter your budget without you noticing. If you do not need it immediately, wait at the end of the month and invest part of your savings. Tip: leave the credit card safe. It is for what it is.

4. Online shopping (of things you need) : almost hand in hand with the previous point. It is true that on the internet we can find outrageously good offers of up to 75% or, why not, 90% in products of all kinds. Of course, before clicking without measure, consider yourself if you really need it: any unforeseen expenses not reflected in your monthly budget will directly affect your ability to save.

5. Reduce expenses at home : you can save water and energy with efficient and ecological appliances. You will notice it in your balance of invoices. To keep the house at a suitable temperature by reducing consumption in heating or air conditioning, remember not to let heat in summer and cold in winter with good enclosures.
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