We will give you a tips to optimize and omit the daily spending action so you can redirect the money so that a percentage goes to savings.
Have breakfast, lunch and dinner at home
To optimize a little more, always have food in your home and try to make the expense every 15 days, make your pantry in a market or tianguis the products are fresher and of lower price than in chain stores.
You will control the realm of toppers but you will convert a daily expense to biweekly and that will optimize your financial regulation.
You do not need cash
Use a bank account for your savings, let’s be honest if you have the money at hand you will be tempted to use it, so make a plan not to see your money in physical. Pay your expenses with your payroll or personal debit card and leave it there, or transfer it to your savings account, imagine that you do not have it and so you can not spend it until the holidays.
Anticipate your vacation
If you want to leave on a certain date, make your reservations in advance, so that you can get a cheap plane flight and greater benefits in services, for example; transport packages with lodging, breakfast included, accommodation for couples, guided tours, etc.
Imagine the expense is still there
Avoid buying snacks at the store, go out to drink some beers or go to the movies, I know it sounds very difficult but you can, think that it will only be for a month to achieve your vacation goal as you deserve it, since those expenses are the more dangerous and have called them “ant spending” You don’t realize and $ 100 in $ 100 sums $ 500 or more. Better every time you are tempted to buy something, deposit the amount you were going to spend on a piggy bank or your savings account.
Have your goal clear
This point sounds very obvious but on the way you might miss out why you do it, many people start to get frustrated because they can’t have their money and give up halfway. Always keep your goal in mind and visualize it.
Believe me, it is worth optimizing your cash flow!
Remember that these tips are not going to control your money and is not to stop living, but is to manage the money you have to direct it to a future plan and not only to the present.