Savings
Often, it’s not the big ticket items that really set us back financially – it’s the small decisions we make on a daily basis that really add up. Consider: saving just $5 a day can add up to $1825 – enough to invest or put in an emergency fund. The more you save each day, the better shape your finances will be in. Here’s how to make better decisions each day. Make eating out a treat rather than a daily thing. Most of us grab a coffee on the way to work, eat at a cafeteria for lunch, and get take out from time to time. There’s nothing wrong with this, but it does really add up. Making your own lunch and coffee can mean big savings. Even eating out a few times a year at a fancy restaurant can cost less than daily meals and drinks you don’t really enjoy or even finish. Don’t buy food you’ll waste. Most of us buy food that gets tossed out. It’s throwing your money out! Stop the bad habit by having a small selection of meals you make regularly. This will ensure that you use up the same ingredients over and over, leaving nothing to go to waste. Look out for tiny expenses. The $1 for a paper or a gum makes no sense if you can read the paper online for free or can buy gum for $0.25 at the grocery store to carry with you. Do not pay for convenience. Plan ahead and save.…