How to save money?

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1. Track your expenses

Before you can save money you need to figure out how much you spend. Therefore you need to keep track of all your payments, so you need to track every to-go coffee, household items and cash tips. Once you have a month off data, you arrange the numbers by categories, such as food, mortgages, gas and total each amount. You can use your bank statements to make sure you’re accurate. You can also look for a tracker app to help you get started. An app like PocketGuard or YNAB can help automate this work.

2. Do it your self (DIY)

Most things are cheaper when you do them yourself. Of course, one's ability to solve the task is not always enough. If this is the case, then, of course, you have to take care to fix things so that it is done right. There are many things you can do yourself that don't necessarily mean being a craftsman. You can bake your bread, grow your ingredients in a herb garden, knit winter socks or patch your clothes. For the most part, try to find a solution yourself so you don't end up spending much of your budget on unnecessary things. If you have a simple hairstyle, you can also try to give yourself a haircut, instead of going to the hairdresser.

3. Stop buying, and start selling

As a start you should try to avoid buying things, as a help to avoid that would be too, wait 30 days, and if you still want it, you probably need it. Then you should start selling things that you no longer use. A way to start is to review your wardrobe completely for clothes that you no longer use or don't fit you. Sell ​​it on Facebook, or Ebay.com. Do the same with all your stuff. Do you really use your PlayStation, old phones, furniture, etc. that much? Is it really necessary for all the books on the shelf? Set aside a weekend to get your things clean - including those in the attic, which are still just gathering dust. If you are lucky, you will find hidden things that you forgot you owned and can give you money. If you have a lot of small things, lamps, books, decoration stuff or ceramics, then the right solution could be a flea market. But be aware not to get too greedy, if you have a customer that wants to buy your stuff. You don't want it all back home now that you've finally set out to get rid of it.

4. Find ways to cut your spending

If your expenses are too high and you can’t save as much as you’d like, it might be time to cut down. To start with try to identify nonessentials that you can spend less on, a good start is entertainment and dining out. Go through your fixed monthly expenses like insurance, electricity supplier, television subscription and phone plan. Do this every quarter of the year, as new offers or companies pop up all the time. Some ideas for trimming everyday expenses could be to cancel subscriptions or memberships you don’t really use and especially they are renewed automatically!  Try to use resources such as community event listings to find free or low-cost events to reduce entertainment spending.

4. Swap books at the library

At the library its free to borrow books so insted off buing them use your local

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