by Harriet Bond
(San Francisco, CA, USA)
Do you find yourself living from paycheck to paycheck? Is your savings account depressingly small?, are you on the verge of bad credit?. If you are reading this article, then the chances are that you answered “yes” to the previous two questions. And, you are most certainly not alone. There is, however, no need to resign yourself to this financial state. With just a little effort you can cut back on your spending and start saving money each and every month.
The most important task you can undertake when trying to save money is to make a realistic budget, and then to stick to it! Sit down at the start of each month and decide exactly what you are going to spend your money on. Do your best to note down precisely where every last dollar will be spent and look at options to cut back.
We all need a treat now and again so don’t cut out everything enjoyable, but consider, for example, whether you really need to buy mineral water everyday, or whether each piece of clothing you buy has to be branded. You’ll almost certainly find that if you can stick to the budget you have set yourself, there will be money left over at the end of the month.
Take your own lunch to work
It’s amazing how much money you can end up spending by eating out every day, even if all you are buying is a snack and a drink. Instead, make food at home the previous evening to take to work and eat there. Not only will you save money but, by choosing your ingredients carefully, you’ll end up eating better too.
Some examples of cheap, healthy foods that are quick to make are salads, soups, sandwiches made with whole wheat bread, boiled eggs and spaghetti dishes. With just a little time and effort you can eat surprisingly well on very little money.