Creative Ways to Save Money

A healthy financial education will teach you how to start saving money from the earliest stages of your life so you can easily deal with significant changes later on. Whether you want to buy a house, a new car or simply indulge in some luxury products, putting a little aside each month will help you reach your goal without credits, debts, and annual interest rates.

Here are the easiest and most creative ways to save money even when you have limited resources.

 

Start decluttering your house

Whether you’re a hoarder or not, cleaning out your closet and your entire house once in a while is a good exercise for both the body and the mind. Just look around at all the junk you have gathered in the past years – do you need all that? No matter if you have a passion for makeup, jewelry, shoes, clothes, or tech gizmos, it’s high time you started a yard sale.

Adopt a minimalist lifestyle

A minimalist lifestyle implies getting rid of all the unnecessary things in your house and keeping only the essentials. Building up a minimalist wardrobe will help you save both time and money by not thinking what to wear daily.

According to recent studies, many CEOs, important businesspeople or personalities such as Mark Zuckerberg, Mahatma Gandhi or Steve Jobs adopted this lifestyle where they enjoyed/still enjoy a frugal lifestyle based rather on experiences than possessions.

 

Buy in bulk

Another tip to help you save money in the long term is to buy in bulk the products you regularly use. This mainly applies to toiletries, some generic cosmetics, and food supplies that you are sure to consume such as deodorant, shampoo, toothpaste, rice or meat. However, stay away from products you only consume once in a while, even though they are on sale. Most of the times you will end up throwing them away and spending more money than intended.

You should also avoid buying perishables such as milk, yogurt, fruits, veggies or bread unless you are planning a party soon. Keep in mind that most of these foods won’t last more than a few days even when they are correctly stored in dry and cool places.

Stick to the 50-30-20 rule

The 50-30-20 rule implies diving your monthly incomes in three parts – 50% you use to pay taxes, rent, interests, and installments, 30% on food, supplies, clothes, monthly subscriptions hobbies, and shopping, and the rest of 20% you save. It’s always better to put some money aside in a trust fund or a second bank account that you can later use on what you desire the most.

How to Keep in Touch with Your Family Through the Years

Moving out and starting your own life is an adventure that is filled with ups and downs. However, while being caught up with your new life and responsibilities, there is a chance that you will stop keeping in touch with your loved ones. To help you avoid this problem, we have created a list with suggestions that you might want to try out.

 

Use social media and apps

A great way to stay in touch with your family is by using social media. By utilizing apps like Facebook or Snapchat, you can always access their profiles and see what they’ve been up to. Plus, this way you will be able to send them direct messages more often.

Some social media apps also feature an option that enables you to video call them whenever you have the time. This way, you will also have the opportunity to chat face to face.

If you want to make sure that all your family members are up to date with the latest plans, you can also use Cozi or OurHome, as these apps are said to bring people together in a fun and entertaining way.

 

Set regular get-togethers

Another fun idea that you might want to try is to establish a weekly or monthly dinner with your family, as dinners are a great opportunity to come together and to share updates about your day to day lives.

To mix things up, you can meet at another member’s home each time. Also, you can delegate certain tasks to each member of the family. For instance, one could prepare the main course, while another could be in charge of the dessert. If you don’t live close together, you could throw a family reunion at least once a year.

Keep in touch often

Older adults can feel ignored if you don’t make an effort to hear from them regularly. To avoid this, you should try to contact them via phone whenever you have the time. If your parents or grandparents are not too fond of using technology, you could purchase a cordless phone for seniors for them. This way, they won’t miss any of your calls.

Furthermore, you could drop in whenever you are in their area, as this will help them understand that they are on your mind. When possible, you can also invite them to your kids’ extra classes and recitals, as this will give them the possibility to spend time with their grandchildren.

Another idea that you might want to try is to do tasks together. For instance, now and then you could go grocery shopping with them, or you could help them with small chores around the house.

No matter which idea you decide to put in practice, remember that it is essential that you make your family, and especially the seniors in your life, feel included and loved.