Three expenditures that prevent you from saving

It’s no good if you deprive yourself of some other fancy if the money is gone in other minutiae …


As far as money is concerned, most people educate it by putting a special emphasis on saving. Being cautious and cautious will help the young adult to get a little earlier economic independence, or that small capital that allows you to access a credit to buy the desired first car or start a business venture as a freelancer; Hence the importance of teaching it from a young age. The culture of the’low-cost’, which in this neo-capitalist world is so in vogue, directly affects the positive idea with regard to saving: it is no longer the one that spends the most, but the one who gets access to the service that he was looking for At the most competitive price possible.

 And yet, despite saving the dominant culture, we must base having a relatively comfortable income serious difficulties to save part of the salary of the maelstrom consumption. Undoubtedly, the human creates his own needs and sometimes it is difficult to discern what is the fundamental of what is accessory and expendable. Small expenditures, or ‘ant spend’ as they have come to be labeled, that keep people from an economic tranquility that could be greater and that are easily avoidable.

The next three are the most common ant expenditures, which should be avoided in order to save more money:

1. Eating out


Eating out, yes. But by the system? No. Nobody wants to miss family or friendly meetings, and you do not have to do without them if you do not want to. But the days of work, or excursion to the beach, for example, preparing food at home before leaving is a huge saving, greater than you might think.

2. Transportation


The bad weather sometimes, the right time to go in others, or the comfort of traveling on your own in the thick of the occasions, make you resort to the car more than you should. Apart from the environmental impact, which is also important, the abusive use of private transport generates a large expense in household accounts. The high price of fuel, coupled with the maintenance costs, traffic taxes, insurance rate and parking meters, make the car into a sink by which the money goes continuously. If in addition, the use that is given to the car is mostly urban, with stops, traffic lights and pedestrian crossings that interrupt the march constantly, consumption increases. The solution:

It is also a good idea, if the opportunity is provided, to make a carpooling group with co-workers who live in the same area of the city. One week the car does not, another week the other. All will save money and make the morning trip more enjoyable to work.

3. Small expenses and impulsive purchases


A coffee in the bar in the morning to wake up; A magazine before getting on the bus to entertain in the trip; That shirt so cool that you did not need, but you did not resist buying it when you saw it in the shop window because it was very well priced; A refreshment later because it was very hot – although a few meters away was the fountain with fresh and healthier water; The cup- shaped movie character that is so fashionable and you’ve found it on the internet, even though they do not fit into the kitchen shelf anymore.

These are silly examples to illustrate a number of expenses in minutiae that day after day accumulate in the book of avoidable expenses. Individually, they suppose one, two, three euros, a few cents at times; But adding them all, the account grows.

A practical exercise that may come in handy to become aware of how bulky the bill for ‘bullshit’ can become is to begin to take note of all the expenses of this type that are made throughout the day in a notebook. You are likely to realize that, by trimming these purchases, you will save money that will suit you well for other purposes.

The ease of buying on the internet has only increased the difficulties of those of ‘quick flush’ when it comes to taking the hand to the wallet. Willpower, cold mind, controlling the momentum and considering if you really can not deprive yourself of the expense you are about to commit, are keys to spending so much.

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