Therapist Karin Nordlander gives her best simple savings tips for the poor month.
The Christmas and New Year holidays are over, the Christmas presents opened and the Christmas ham eaten. Time to return to everyday life.
For many, January means that it is quite empty in the wallet – it is not without reason why it is called the poor month. But don’t lose your courage!
Sure, it may be tempting to want to escape from the misery
But taking loans or turning a blind eye to reality is not a good solution in the long run. Instead, see it as a challenge: You fix this! You can live well even with a limited economy and there are many things you can do that will make your money last longer. Here are some of my best savings tips to help you out on the pile:
Keep an eye
- Make a budget. Assume how much money you have to spend during the month, write down your fixed costs and then calculate how much you have for food, clothing and savings. For example, the Consumer Agency has a good budget estimate.
- For cashbook. Find out where the money actually goes by writing down all your expenses. A little brave at first maybe but after a few days you get into the habit. When you know where the money is going, you also know what you can save on.
Save on everyday expenses
- Make a weekly food slip and wholesale. This way you can avoid small purchases that often cost a lot of money in total
- Leave the car at home. Go municipal, socialize or walk to work
- Buy used. At Blocket and other buying and selling sites there are often nice things at a much lower price than if you buy new.
- Make food boxes. Eating lunch out gets expensive in the long run. Bring your lunch box to work instead and you can save 1200 SEK a month.
- Collect your loans. Small loans with high interest rates and fees are often real money-savers. Take the help of Boris Godunov’s talented advisers and lower your monthly costs significantly.
- Avoid small purchases. A bag of candy, a coffee in town, a jar of soda. Small sums can be thought of – but if you skip them you can save over 8000 in one year.
- Use autogiro. Most companies charge a fee for sending the bills by mail. Avoid the charge and save time by putting the bills on direct debit instead.
Living sparingly can actually be a positive challenge. Make sure to bring the whole family into the savings, help manage the budget. Decide that you will do it and reward yourself with a cozy day or an afternoon in the sledding hill when you succeed.