Check these tips to optimize the use of your money. In this crisis situation, it is very important to analyze the distribution of your resources.
Contents
Food expenses
- Take an inventory. Check your kitchen before going to the store or supermarket. If you don’t know what you have, you are going to buy unnecessary things.
- Be creative. Use products that are nearing completion as toppings for main dishes. Freeze fruits and vegetables that are about to go bad and eat them later.
- Buy frozen products. If the purchase of fresh products generates constant sales, consider buying frozen products so as not to expose yourself.
- Wholesale purchase. Non-perishable or frozen foods can be purchased under this modality, which has lower prices.
- Identify the most expensive. Review your bills and you will possibly notice that the most expensive is the least nutritious and necessary.
Housing expenses
- Negotiate the lease. Depending on the supply and demand, talk to the owner to check the rental price if it has dropped in nearby places.
- Offers benefits. If the owner does not want to lower the price, propose, for example, that it be maintained but that the aliquot be included.
- Find a roommate. Consider living with someone else to split your monthly expenses.
- Rent a space in the house. If you have a room that you don’t use, you could sublet it if allowed in the contract.
- Save basic services. Turn on the lights an hour later than normal. Reduce your daily shower for three minutes. Lather up the dishes and brush your teeth with the tap turned off.
- Support staff. If you have a person who helps you in the house, garden or for maintenance, you can negotiate fewer days of work per week or month.
Vehicle expenses
- Sure. Review the contract because there may be better offers. Or increase the deductible to lower the monthly fee.
- Maintenance. Find out if you can get a discount at the place where you get your car serviced or look for other alternatives.
- Circulation. Limit it to the basics to save gas and cleaning. Wash your car yourself, even once a month.
Other major fixed expenses
- Debts . Talk to your creditors to refinance if you can’t pay. Refinancing allows you to resolve the situation in the present, instead of putting it off and moving it into the future.
- Education. You can consider a change to your children’s school, college or university and / or postpone graduate courses that you may have been contemplating for yourself.
- Clothing. Challenge yourself not to buy clothes or shoes for a year. You will realize that it is the item that requires the least renewal.
