When most of us see our monthly bills for various things or simply look to our bank account to see how our funds have panned out over recent weeks, we can often feel a little dejected by the amount of disposable income which seems to have dwindled away on things we didn’t believe costed too much at the time of buying them. Money can wash away rather quickly if you don’t pay attention to it.
Still, there’s no reason to feel downhearted. There are ways to better safeguard your disposable income so that there actually is disposable income for you to spend on luxuries at the end of each month, but it requires a little more of a financially level-headed brain. Your home, for example, can become a huge strain on your bank account if you start sinking money into areas which don’t really require funding. Here are some steps towards spending less in your household and having more money to spend on the things which you actually want.
Have cheap “cheat nights” for dinner.
It’s nice to treat ourselves to lush and luxurious meats or ready meals from our local supermarket every week, because food is an important part of a happy household. Of course, you don’t have to watch your money dwindle away on expensive meals every night. Even if you’re not eating out, a lot of the high-end and high-quality items of food at supermarkets, whilst delicious, are still incredibly expensive, whether you have to prepare them or not. Allow yourself a few nights off every week, and eat some cheap spaghetti on toast or pasta with chicken nuggets. You don’t have to be fancy every day of the week.
Save on energy bills.
The simple act of turning off light switches and computers when you’re not using them will make a difference to your monthly energy bill. You also don’t need your heating turned on all the time, and having it on during intermittent periods could save you huge amounts of money. Of course, in winter months, you might have to get a little creative. Having heating on all the time is incredibly costly, but you can warm up your body rather than wasting money heating up the entire house. Wearing thick jumpers and socks will help, and you could ensure all beds in the house have goose down comforters, so nobody experiences a cold or uncomfortable night’s sleep.
Instead of spending ridiculous amounts of money every day on heating, you could save the money in your back pocket and the environment on which we depend so dearly by opting for clothes and warm materials which are one-time purchases that will last you years. In a sense, it’s almost easier to deal with winter than summer, because you can always add extra layers to warm yourself up.
Say goodbye to paper bills.
Going paperless with regards to important monthly letters, such as bank statements and energy bills, won’t just make you feel good about the fact that fewer trees will be cut down, but it’ll make you feel good when you look at your monthly bills and see that you’ve been spending far less money. Many companies offer some form of monetary reward for your decision to view statements and bills online, because they’re saving a heap of money by not having to post letters to you anymore.