![]() And the beauty of writing in your own notebook is that you can keep it with you at all times, so a daily, weekly, and monthly budget are very easy to maintain. There’s something nice about physically writing in a notebook and it keeps you accountable too. The humble notebook is a great place to start. So without further ado, let’s have a look at 21 of these tools and at how they can benefit your financial situation. There are a large variety of free budget planners out there, ranging from spreadsheets to apps and online calculators. So now that we’ve got you thinking about ways to budget, let’s look at the best tools for putting your personal plan into action. Need fast access to short-term finance? Apply for a loan with SRG Finance today. Carry cash instead of cards, preferably larger denomination notes and you’ll probably hang onto your money for longer and be less likely to impulse buy. While cards are convenient, we pay fees every time we use them at the ATM and studies show we spend more when we use them than when we pay for things with cash. By forcing yourself to carry your purchases, you’ll be less likely to fill a basket or trolley with things you didn’t intend to buy. The savings will really add up over time and the generic or store brand products are usually as good (if not exactly the same) as the more expensive name brands.Īlso keep in mind that if you ever go to the shops to just pick up a few essentials, literally “pick them up”. Groceries are one of our major weekly expenses, so when you see a cheaper price for the same item, grab two of them. So if you only use your printer for printing documents rather than full-colour pictures, set it to print in grayscale and run it on black toner only (the cost of one cartridge instead of several). These days manufacturers make most of their money out of the peripherals rather than the appliances, which is why desktop printers are so cheap and printer cartridges are so expensive. This can knock hundreds of dollars off your bill each quarter simply by doing simple little things like turning off lights in unused rooms, turning off appliances at the wall when not in use, using the clothesline instead of the dryer, buying energy-efficient appliances and using natural heating and cooling methods rather than running the aircon all the time. The lazy tax is the penalty you pay for not shopping around, so hit up your current provider for a discount or find a better deal, because there’s bound to be one out there if you only take the trouble to look. This applies to your energy provider, insurance company or any provider with whom you have a contract. In this case, the goal is saving money, so here are some simple life hacks that can help you do just that. Simple life hacks to save moneyĪ life hack is any trick, skill or shortcut that can help us achieve our goals in life. So with that in mind, let’s start by looking at some simple ways to reduce everyday spending and then explore in more detail 21 of the best free budget planning tools available today. Making ends meet can be a balancing act between finding and implementing simple life hacks to make savings wherever we can, and creating and adhering to a realistic personal budget. ![]() With the cost of living constantly on the rise, living within our means is not always an easy thing to do.
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