Only those who are more demanding in planning their budgets save, but many people have spent more than they planned for when they return from summer vacation. Believing, spending calculations that don’t take inflation into account, desires justified as something we deserve during a break after working all year can add up to a little bit of a bill.
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September returns to normal, a time to reset, make resolutions, and review what’s left and what’s missing in our lives. Since there is usually not enough money, it is time to investigate where it is escaping and put a stop to the escape.
These are just a few of the low-cost measures we can implement to save throughout the year.
Eliminates electric vampires
Appliances and electronic devices in mode to stand Or you can turn them on using the remote control by waiting, they use energy, they are energy vampires. It should not be enough to detect the signal from the remote control, but the fact is that for some manufacturers the consumption at rest is very similar to the consumption. It includes televisions, air conditioners, the Router Wifi, dishwasher and other appliances. If you have a pilot light, it may consume some electricity, and the sum of all the devices may be higher.
It is estimated that idle devices account for 15-20% of electricity bills. Again it’s not much, but at the end of the year it could be several hundred euros that we can use for other things. An economical option is to use power strips with a switch that allows all devices to be disconnected at the same time. Programmable or smart switches that connect to voice assistants like Alexa or Google Assistant can do this automatically, for example, turning off all of these devices completely at night.
Review and renegotiate services and insurance
Now is the time to print out your bank statement and your credit cards and clean up your direct debit payments from last year. There will be subscriptions, subscriptions for electricity, internet, mobile charges, streaming services applications Cell phones, car insurance, home insurance, and other bills add up and can take up a good portion of your income.
The first step is to cancel all services you don’t use or use enough to justify the cost. Think about these services on an annual basis as the monthly cost may be low but at the end of the year it can be a significant amount.
After cleaning, search the Internet for alternatives to the services you use that offer better prices. Canceling a subscription is a good strategy for many contracted services on the Internet, especially in the United States, such as subscriptions to computer programs we use. In many cases, we will receive an offer to continue enjoying the service at a significant discount. Saving 50 euros on services and subscriptions we don’t use, or reducing the price of what we do, means 600 euros a year.
Plan meals, buy frozen and in bulk
Shopping basket, one step Report of the Bank of Spain, which accounts for 25% of household spending, compared to the European average of 20%. Everyday local shopping gives us access to fresh food, but it is also a source of a huge amount of food waste, which can reach 65 kg per household per year. Ministry of Agriculture, Fisheries and Food.
We waste money buying extra fresh food and wasting it in the fridge. Planning menus for the week allows us to calculate the amount of food we need, and this way we also avoid impulse purchases (especially if we are hungry). Also, be careful with fresh food on the plate. A kilo of clean and filleted fish or meat sometimes costs more than the whole product. That task is worth doing at home.
Some foods bought in advance are cheaper, especially frozen foods such as vegetables, meat and fish or red fruits. It is better to freeze them in defrostable units the night before consuming them and leave the rest. Other foods such as pulses and preserves can be purchased in large quantities with a very long shelf life.
Be careful when buying clothes
With the change of season and cooler weather comes the desire to update your wardrobe. Fast fashion is more polluting and expensive. These are short-lived products and we renew them frequently, inspired by their low cost. As the initiation theory explains, more durable products are more economical in the medium and long term.
On the other hand, it’s also good to plan for seasonal needs (for example replacing damaged clothes) to avoid impulse purchases. Another option is to buy second-hand clothes from the many companies that sell them, or from mobile apps like Vinted or Wallapop. We can get new clothes in very good or used condition and pay much less than the cost of a new garment.
Preventive maintenance and update home thermostats
A water leak, a poorly insulated or sealed window, a dirty or inefficient water heater or a radiator with a broken thermostat can all cause energy loss, which is reflected in water, gas or electricity bills at the end of the year.
Unbleed radiators are very inefficient and now is a good time to clean them. According to ITAE8% to 13% of energy can be saved by placing thermostats on radiators. A common programmable thermostat for the home will allow you to set the maintenance temperature while you are away from home, which can mean significant savings. Be careful with the thermostat. According to IDAE data, for every degree we raise the temperature, the bill increases by 7%.
We can sell what we don’t need
We all have unused clothes, electronic devices, kitchen items or decorations at home that collect dust. If we get over our attachment to these items and put them up for sale on secondary buy and sell sites like Wallapop or Winded, we can recoup a portion of what we spent on them.
In addition to collectible products and VintageIt can fetch a high price on the second hand market and we can get rid of that game Fondue An external battery for a cell phone that we only use once or no longer use, or a set of tablecloths we received as a gift scares us, but it can make someone else happy. Many of these small sales can amount to hundreds of euros per month.
Savings aren’t made up of big cuts, but rather small daily gestures. Start at home this fall.