Remember to start small and then keep raising the amounts as time goes by. Continue to look at NFL predictions today, and continue to buy your favorite cheesebut try to cut costs wherever possible.
1. Make a budget
Some find budgets exciting, while others refuse to open an Excel form. No matter what camp you are in, set aside an evening and get an overview of what you actually spend your money on. The bank statement may surprise you. With a budget in hand, it’s easier to put the savings where it really matters.
2. Plan your meals and avoid wastage
On average, we throw away every eighth bag of food we buy. It can amount to up to 1500 kroner a month for a family, according to the reference budget of SIFO. By planning what you are going to eat next week, it is usually possible to cut down on food waste. Write a shopping list and check what you have in drawers and cabinets before you go to the store.
3. Avoid unnecessary habit purchases
It is said that many small streams make a big river. Make sure these little habits that many of us have are really worth it. Visit the online bank and check what you have spent money on in the last month. Most people have some pickpockets that can be cut. Check how much typical pickpockets cost you in this case.
4. Avoid impulse buying
Sometimes we get really hungry for something there and then, but then it ends up just filling the closet later. This especially applies to online shopping, which can be done on impulse with a few keystrokes from the sofa. Think carefully before you buy something. Postpone the purchase for a day – or a week – and see if you still need it. Maybe you already forgot about it the next morning.
5. Obtain a buffer account
If you do not already have a New Year’s resolution for 2022, this should be a candidate: Save yourself a buffer account. This savings is kept for unforeseen expenses, whether it is a sudden increase in the price of electricity or if one of your appliances strikes.
Disclaimer:
- As per the Public Gambling Act of 1867, all Indian states, except Goa, Daman and Sikkim, prohibit gambling
- Land-based casinos are legalized, with certain guidelines, in Goa and Daman, as per the Goa, Daman and Diu Public Gambling Act 1976
- Land-based casinos, Online gambling and E-gaming (games of chance) are legalized in Sikkim under the Sikkim Online Gaming (Regulation) Rules 2009
- Only some Indian states have legalized online/regular lotteries as per and subject to the conditions laid down by state laws. Kindly refer to the same here
- Horse racing and betting on horse racing, including online betting, is permitted only in a licensed premise in select states. Kindly refer to the 1996 Judgement by the Supreme Court Of India here and for more information
- This article does not endorse or express the views of Qrius and/or any of its staff.