20 tips to save money

If money is less, we must start to save it! Eliminate all your debts, create a float or simply balance your personal finances, there are many tricks to save money. Easy to implement and with surprising results at the end of each month from your bank account this tips will finally make you smile!

1. Record all expenses. It may seem tedious, but this is the ideal way to find out if you are spending money unnecessarily, this is, where and how you can save! During a month, save the receipts for everything we buy or consume, (rent, mortgage, credit, accounts water, electricity, gas ...). At the end of the month, when you check a spent of €300 to dine out or €150 in footwear you will understand where is the problem: it is called financial intelligence! Repeat the process to "tune" your accounts. Once started, this will likely keep control of costs because it will allow to monitor closely your budget and know where you can pamper yourself with a little luxury and when you have to "tighten your belt"!

2. Take breakfast at home. Simplest is impossible. If you think the amount you spend on your daily croissant with ham and a half of milk direct and multiply it by five days of the week and after the four weeks of the month, maybe have the right amount to pay the bill for electricity.

3. And who says breakfast, says lunch and snack too! You can go home to lunch, then go! If not, why not take your lunch from home - a good sandwich, a yogurt and fruit or a Tupperware with the remains of dinner in the microwave to heat n the office! Always with biscuits and fruit for a healthy and economic snack ! Even if it fails to do daily, when you start to realize the amount of money you can save, will certainly earn it!

4. Resist the temptation to eat out constantly: alternatively go to lunch in the city park and take a picnic, or the next time you make a dinner with friends, make it at home and ask each to bring a salty, sweet or a a bottle of wine.

5. Do not throw food away! What about the dinner may well serve as a lunch or be reused on the next night: keep remained chicken from barbecue, add vegetables to it and make a delicious quiche or take the leftovers of a Russian salad to serve for monitoring the a grilled steak. If you want, you can still go further in the kitchen: produce your own bread and pizza, learn to make jam.

6. Take advantage of coupons and vouchers that many supermarkets and hypermarkets offer their customers, but be careful to purchase only those products that normally purchase or have real value for you. In the same context, keep attentive to the advertising that gets in your mailbox to enjoy advantageous deals. And take advantage of promotions means buying in large quantities, especially when things do not spoil - the washing machine for clothing, toilet paper - or have a long shelf-life - rice, pasta, milk. Avoid buying food (chocolates or bottles of water, for example) in vending machines in coffee shops or at service stations - are the places with higher prices!

7. When you go to supermarket to do the weekly or monthly shopping, take a detailed list of things you need ... and limit themselves to buying only what is written! It will be easier to remain within your budget, not spending unnecessarily. Also, go with time to compare all available rates, and experience the "white brands" that offer products as good or even better than the appraised brands.

8. Do not buy bottled water, before buying a water filter in jar (eg Brita) or to apply to the tap. Will recover the initial investment quickly and from there, just save!

9. Say no to plastic bags that now must be bought in most supermarkets. Always have some with alternate bags or buy bags of shopping in a fabric that can be reused again and again! Instead of buying your own bags for garbage and for recycling, using those that no longer fit in the kitchen drawer!

10. In pharmacy, where possible choose generic drugs - the price difference between these and traditional medicines can reach astronomical figures ... and the products are identical!

11. Reduce the monthly fixed expenses: If you need so many channels of TV? How is that really see? Put into practice these tips for saving water and electricity.

12. Instead of having a phone and two mobile phones, choose to have only one means of communication: if you think that 10 or 15 years ago was all well and we survived, why not will be working today? Oh, and to take your calls in economic times!

13. Enjoy reading, listening to music or watch movies and spend fortunes on books, CDs and DVDs? Return to frequent customers or part of the library books lent to friends and family. You can do the same with CDs and DVDs

14. Leave the car at home. Has several other options to choose from - carpooling (combine with colleagues from the office each week and only takes a car and ride it to the other), go by public transport, walk or bike! Get rid of the queues of traffic and the spin and more spin in search of parking!

15. Take advantage of sales to buy clothes for the next year and beyond. Often, collectors will find remnants of the autumn / winter sales in the summer and vice versa, but gives them little attention because after all is heat! Pass these articles to seek and be prepared for the cold months to half the price! Or if you want to give a breath of fresh air to your wardrobe, replace clothing that no longer wear or no longer enjoy with your brother or best friend and vice versa. Will have new clothes without spending a single penny!

16.You are like those people who is entered in the gym a year ago and if it took a month was too? Ever thought that there are many forms of exercise so cheap or even free? Walking, running or riding a bicycle are just some examples. Want to try yoga or Pilates? Buy a DVD and skip the gym into your home! There are gyms online, this case, which allows you to do several lessons a month from the comfort of your home, for only € 10!

17. Enjoy free cultural offerings that proliferate a little everywhere. Always attentive to its cultural agenda and enjoy outdoor concerts, lectures and workshops at the municipal library, children's theater at the mall or in sessions of stories of his neighborhood association. Enjoy the morning on Sunday to visit the local museums, the entries are free almost all over the world! If your great passion is the seventh art, be sure to go to the movies, go on the day of the week in which the tickets cost half the price!

18. Provides a monthly amount to put aside and do it! In a savings account or in a box hidden under the bed, it is important not escape the habit! If you do not have room for a monthly savings, buy a piggy bank and at the end of the day, then put all the coins you have in your pockets and / or the wallet. Will be filled in a short time and with a very interesting!

19. Eliminate all your credit cards. They are a temptation to purchase pure, often impulsive and unnecessary! If the idea of not having a single credit card lets you in a state of panic, keep only one ... for emergencies!

20. I know, you are thinking: "Nor can I deny all of what I like." Yes, but before buying another pair of boots for € 100 I think: "I really need this?" And consider the decision for at least 24 hours. If even then the answer is yes, then buy them, but put a part in your savings account or the equivalent value, ie € 100!