20 Money Hacks: Tips and Tricks to Improve Your Finances

20 Money Hacks: Tips and Tricks to Improve Your Finances

What I have to do here - I'm not saying I can work for all of them. Please burn, avoid. Share tips and feedback!

1. Using cash . Instead of using a credit card or debit card, do not spend cash - such as billing, gas, groceries, and dining out charges. Spending cash spending makes it more vivid There's an added advantage of knowing that cash is running out, instead you spend more than you
2. Weekly small savings transfer . I got this idea from my friend Trent Simple who deducted $ 20 per week from his savings who checked his savings. I can live without feeling really at $ 40 / week - barely that notice is a relatively small transfer, and I decided to save $ 2,000 for the top of my big blessing - weekly savings transfer.
3. At home . There is no need to spend more on the way. You go to a gas station for a restaurant, a mall, a snack and stop eating. IT is hard to avoid on your way to avoid spending. Instead stay at home and find free entertainment. It's a very good way to bond with your family.
4. Do not catalog . The company wants to sell things, or notify by e-mail. Their announcement will tempt you to sell something new or to buy something that is not very cool you need. Instead, at first you are also getting a place to stop cataloging and emailing and spending less.
5. 30 - Continue listing for one day . If you absolutely do not need it, you need to buy something to urge you to put on a 30-day roster. But the commodities you can not buy anything - everything else goes on the list with the dates added to that list. When it is within 30 days, you can buy it - but you can start with the strongest impulse purchase, and you can evaluate it more calmly.
6. Cook at home . I know, it looks harder than eating out. But it does not have to be hard. Stir together - thaw with frozen veggies and chicken bones (or my favorite) with soy or tamari and tofu fried. Make home-made pizza with ready-made crust, some sauce, cheese, and greens. Throw something in some spices and put some brown rice in the oven while cooking. Not only is it much cheaper than eating out, but it is healthy.
7. Exercise . It is the best way to prevent costly medical treatment costs.
8. Envelope system is used. IT is the same idea as using cash for spending, but in addition to using cash envelopes you spend by splitting into categories. My non-bank notes have food, gas and other expenses. 3 envelopes, and they're empty, I've been spending my dues.
9. So your weekly and talk . It is important that you and your other meanings are on the same page. You should have the same financial goals and you agree that you will not have a general spending plan and impulse buying policy that you want to have another breathlessness. You should all know the bills you received in exchange for what you paid, and you'll have a weekly meeting on what the balance is in just 20 minutes. The key to communication.
10. Spreadsheet Tracker Hack . There is MS, Money, Quicken, and such an expensive program that will do amazing things like your financial information. Even those who are free there, from the desktop or online, it can also do all kinds of things. The problem is, I do not need everything. What I want is a way to track my money easily, with different bells and whistles, so I can see wherever online access is. I have found the best way Google can do with word processors and spreadsheets. I have created a simple spreadsheet that uses MS Money to track down my bank account. It is running a date for each deal, title and amount, a little on the note, and a balance of dates. What more do you need? It was simple. UPDATE : I put the sample here online .
11. Money savings and debts for the first time . When you pay your bills and sit down (I make payments), you make the first bill to pay your debts by transferring savings to them all online. If you do not pay them ... you'll often get shortchanging in the past. But if you pay them, you'll still pay for your rent or mortgage, utilities, groceries and gas ... so first you'll just stab your back on another spending.
12. Exercise at home . Some of you will have to make a decision about this issue with me - everyone will have to agree on what works for them. But I've never been in the gym just run on a local racetrack or on the road in my neighborhood, and used to spend more money by buying a few simple dumbbells and chin-bars. I do a lot of body-weight exercises (push-ups, Hindu squats, drums, pullups, dips, etc.) and I do not need a gym for such things.
13. Cutout cable TV. I did not watch TV - I was watching DVDs, so I'm sure what's good is something better, rather than worthless stuff to find most of the time on TV. If you look a lot and there is no free online. Not a huge cost savings, but add it.
14. Declutter . Always remove all the stuff in your home, you are not much more simply peaceful in your life, but it is hard to get things back and things go crazy again. Once you have simplified your home, you will not want to go back.
15. I need to borrow it . Give your books and clothing, toys, which you no longer need to your friends and family. If you need someone to send you an email asking for something. Chances are, they will give you free if they do not use it anymore.
16. Bartering . It's a lost art, but many people, especially if your friends or at least know each other, will take your services or goods instead of money. Offering bartering, you'll find a habit of saving a lot of money on your own. My website design was done through a barter system, so I saved $ 1,000 well there, for example.


17. Use online savings . I use immigration direct, but ING is also popular, as are a bunch of other online banks. Do not worry if you do not have a bank account, but you do not get the ATM account ... making it less likely that you'll get money out on an impulse.
18. Tried to give gifts - giving . Giving people gifts is one of the most wonderful traditions, as it shows generosity and caring. Until it becomes commercialized. Then it's just really really expensive. Instead, try giving the gift of spending time with someone. Try giving them something you baked or made yourself. Give them services they'd appreciate. It does not have to cost a lot to be generous.
19. Teach about advertising, kids, savings, income, and gifts - giving. If you are educated and have children to save a lot of money in the long run about money. If they know about them, it's likely to be a trendy toy with a demanding way (check, beg and plea) to ask how they affect you. If they know about saving money and earning money, they are trying to respect you, and you'll earn that money. If they know that gift-giving does not mean you have to spend a lot of money (above), they will not necessarily want to see expensive stuff.
20. Spend no, find happiness in life . Many times people bought things because they thought it would be happy (perhaps unconsciously) to make them happy. They just have to have the latest gadgets or shoes or vehicles. It's so fun! And yet, you buy those things, and you'll be happy for a day or two more. Then you just need to buy more. It never gives off - ending. Instead, they learn to love life. Find joy in nature! People around you! In doing something you love! Exercise and meditation! Too much in our lives makes us happy, we do not have to find spending there.