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วันอังคารที่ 6 ธันวาคม พ.ศ. 2565

Top 10 Scary Rooms You Were Never Meant To Find

Top 10 Scary Rooms You Were Never Meant To Find

 moving on to number nine now we have  Joshua's room a pair of house hunters in  America were seriously disturbed by what  they found in the basement of one house  they were looking at they were strange  Lookout holes in the stairs coming from  the basement below and they went down to  the basement they found graffiti written  for what seemed to be a little boy  called Joshua the walls were covered  with messages like Josh stop reading  this and go to bed mom another read  Josh's rules one no watching Isaiah  through the hole and two no writing or  drawing on the walls another simply said  don't climb into my room Isaiah but for  me the most creepy one was stop watching  me who were Joshua and Isaiah why were  they living in the basement and who was  watching them people still discussed  this story even today at number eight  now we have the gargoyle in 2014  imgurusa hickensource

 shared their  discovery of a secret room in their  house they said they were walking around  their house one day when they noticed a  window for a room they didn't even know  existed it looked like a seller inside  there was a workbench fastened to the  wall then he found a wall panel cut  which he peeled back to reveal a door  behind the workbench through that door  laid a creepy looking room filled with  junk there were newspapers from the  1970s old playing cards a strange  looking machine and perhaps creepiest of  all an old gargoyle surrounded by Broken  bits of wood gargoyles are pretty creepy  even on a good day extra creepy when you  find them in a secret room under your  house no thanks at number seven now we  have the squatter this one comes from  injury user two bite brownie who shared  pictures of a creepy Discovery in his  house he said he and his younger brother  were playing around

 one day when one of  them fell into a bookcase it moved  revealing a hidden room behind it they  found a black staircase that spiraled  downwards by this point they were  already very freaked out about halfway  down they found a crawl space and to  their absolute horror it looked like  someone had been living there there was  a makeshift bed covered in their own  Halloween candy they realized that  whoever was living there must have  crawled into their bedroom when they  weren't there to steal candy from them  before retreating back to their hiding  spot behind the bookshelf I think at  that point I'd either be running out of  the front door or just jumping straight  out the window moving on to number six  now we have black mold Jason and Kerry  Brown were a couple from South Carolina  who were renovating their new home in  2005. they began to remove some  bookcases in one of the bedrooms

 when  they discovered a hidden passageway that  led to a hidden room nervously they  walked down the dark Corridor and there  in the very small room at the end they  found a mysterious note from the  previous owner it read you found it  hello if you're reading this then you  found the secret room I own this house  for a short while and it was discovered  to have a serious mold problem one that  actually made my children very sick to  the point we had to move out Kerry Ann  Johnson were naturally very shocked by  this they eventually made contact with  the previous owner who went into more  detail about that situation after some  tests on the house they found it was  true the house had levels of black

 mold  four to five times higher than the  outside potentially dangerous for young  children it seems that the house broker  may have hid this information when  selling them the house perhaps they  should be thankful to the stranger and  their slightly creepy note moving on to  number five now we have bad stomach in  2013 some Norwegian students said their  landlord told them there was a secret  room somewhere in their house but not  where it was that's creepy enough but  they actually found it and they took  these pictures one of them said it took  them a long time to discover it and said  that it was actually found by accident  when one of them was in the attic and  just kind of stretched out suddenly

 the  wall behind them moved behind it they  found a tiny area filled with items from  World War II there was a mysterious sign  that read if you have a bad stomach you  do not have access it was also an alarm  made of a single light bulb an old map  of Europe and perhaps the most creepy  object of all a single white doll shoe  it was all quite a mystery until they  were visited by some local historians  who sought the Post online it turns out  the room was used to secretly make news  papers during the occupation in World  War II although they tried that he's  never actually found that room all they  needed to do was just stretch and push  the wall simple next number four now we  have the crawl space

 this one is a very  small room very small indeed only enough  room to crawl in it was discovered in  2014 by Reddit user Lumberjack he posted  a picture to Reddit and what he  discovered so far in it the crawl space  contained a strange looking locked door  now through that door there was a room  where the walls floor and ceiling were  totally covered in soundproofing boards  and a plastic tarp there are also four  power outlets and a small area that look  like a raised single bed the creepiest  part was yet to come though he found a  briefcase inside that was an old jewelry  box envelopes with currency from all  over the world and four one ounce silver  ingots there was also a save containing  some old tapes he couldn't play them  though and so decided to hand everything  over to the police at that point they  refused to reveal the results of their  investigation sparking Fierce debate  about what this creepy room was all  about my guess is spies it's got to be  spies what do you guys think at number  three now we have the stranger this is  another squatter story in 2013 Brett  muglin and Mark Hartman moved into their  new off-campus house for their senior  year at Ohio State University after a  few days in their new home they work one  morning and found every door in their  house had been opened everything room  doors the dishwasher door the fridge  dryer washing machine oven and microwave  all of them had their doors open at  first they thought it was just a college  prank but one day they heard noises  coming from downstairs they grabbed a  baseball bat and a knife and went to  investigate when they reached a basement  they found a locked door no one had a  key to and there was sound coming from  inside a few days later one of their  friends who was visiting said that they  had met their new housemate

 Jeremy in  the basement Bretton Mark just froze and  said we don't have a housemate called  Jeremy at that point they called the  landlord and the police who went  straight to that mysterious door they  prized open the door to find a secret  room that a man had been living in the  whole time they were there there were  pictures of him with his friends and  family by the bed the bed itself was  unmade and there were books everywhere  the room even included a toilet and a  bathroom he had been using a secret side  door to sneak in and out of the house it  turns out the man's cousin had lived in  the house the year before and when they  all left he just set up in this secret  basement room I wonder how long he was  planning on staying for next up at  number two now we have the Last Supper  in hani's restaurant and bar there is a  secret room you can visit if you know  where to look you may not want to though  deep in this basement in Arizona you can  find these dolls on display at first it  looks like they've been randomly placed  but on closer inspection the dolls seem  to be set up to mimic the famous painting of The Last Supper I presume  the doll in the middle is meant to be  Jesus by the way it's a very creepy 

 sight to see even if you are expecting  it if you just stumbled across it while  you're looking for the bathroom well  it's probably a good job you're already  on the way to the toilet starting off at  number 10 now we have Lucifer Reddit  user ice all your face 1789 said that  when they went to high school it was a  building that was hundreds of years old  one day he and his friends noticed a  hatch that was about six feet off the  floor next to the toilet during a drama  lesson not long after they snuck out and  climbed through their hatch there was a  small Corridor beneath the actual  Corridor that they had to crawl through  to get there through the vents they  could see other classrooms with the  students learning inside they squeezed  through a gap in the wall and ended up  in a large room that was much colder  than where they come from they used  their phones for light but couldn't even  light up the other side of the room also  some things smell really really bad  that's when they saw the body of what  looked like a decomposed cat just some  fur and Bones by the wall even more  scary though was the weird Stone Arch  just above the cat that had writing on  it it said if you are found here the  school will expel you but Lucifer shall  do much worse there were a few scratches  on the wall next to the writing and also  some strange demonic symbols they  couldn't make cows they took some  pictures and made

 their escape they  vowed to never tell anyone else at the  school for fear of expulsion but also  for fear of the Devil Himself moving on  to number nine now we have the pyramid  room in 2016 scientists use Advanced  technique to scan the Great Pyramid of  Giza in Egypt despite it being four and  a half thousand years old and it being  studied by archeologists for over a  century they found a couple of hidden  rooms because of how old the pyramids  are the experts couldn't climb directly  into the chambers which were also very  small even today they still haven't been  able to get inside these rooms which are  believed to hold artifacts and furniture  for use in the afterlife by the pharaoh  who was buried there some people say  these rooms were kept hidden and  inaccessible for a reason and they're  opening them up will unleash a curse on  The Intruders as it did when Howard  Carter opened Tutankhamun's tomb in  1922. at number eight now we have the  Winchester Mystery House this is a huge  mansion built in San Jose California by  Sarah Winchester Widow of the Winchester  fortunes air it took 30 years to  complete from 1884 to 1922. the  Winchester family were the ones who made  the famous Winchester guns some people  say that Sarah was scared of being  haunted by all the people who had been  killed by the hands of a Winchester Gun  over the years and so she decorated the  mansion in strange ways to confuse the  ghosts by the time she died the house  had 160 rooms 10 000 Windows 2 000 doors  47 fireplaces and even a few spy holes  in 2016 years after she died everyone  was shocked to hear that a secret room  had been discovered Sarah had boarded it  up after an earthquake in 1906 and some  say it became associated with evil  spirits the room was filled with strange  Dusty objects including a pump organ a  Victorian couch sewing machines and  paintings staff said they already knew  about the room and it was actually a  shooting gallery that they had installed  some conspiracy theorists said this was  a lie though and that they were trying  to cover up the creepy discoveries in  this long forgotten room number five now  we have the Parisian apartment in 1940 a  woman called Mr Florian fled Paris as  the Nazis arrived during World War II  she packed only what she needed before  heading to the south of France she never  came back she lived out the rest of her  life there but strangely she continued  to pay rent on her apartment back in  Paris as he gathered dust for more than  seven decades when she died age 91 her  family found the apartment mentioned in  her finances they made the journey to  Paris and when they opened it they were  shocked it was frozen in time the whole  thing was filled with all of her  strained collections early Mickey Mouse  toys stuffed ostriches erotic paintings  one of which went on to sell for 2.1  million euros it appears that Miss 

 Florian did not want the apartment to be  discovered and hope the room will be  left Frozen in time and before now we  have the chapel in 2010 par and Diane  farla found a strange metal Grid in  their old Victorian home in England they  pulled it away to reveal a strange  seller which they never knew existed  after lighting up the darkness it  appeared the seller was actually a  chapel in the center of the room was a  wooden cross which appeared to have  fallen down and was now rotting away an  expert reviewed the room and said it was  probably used as a Catholic Hideaway  from religious persecution sometime  during the 1700s the family said that  after they discovered the basement they  went back upstairs to take some pictures  they took a picture of one family member  Karen who was pregnant when the pictures  came out there was something white on  the photo by her belly the family thinks  it's the orb of a ghost that had been  released when they opened up this hidden  Chapel next up number three now we have  computers this story comes from Reddit  user Jeffrey Goldberg he said that in  2006 he went to a school that was built  sometime in the 1800s he said it was a  big old building that stood four stories  high there were a lot of staircases  there and in one corner of the building  was a staircase that nobody had ever  used during his senior year Jeffrey and  his friend were wandering the hallways  when they decided to use this unused  staircase they noticed that its spiral  down below they followed it and went  along a hallway and then found a door  that was slightly cracked open they  stepped inside to find a large room  filled with cubicles and dozens of  employees on computers none of the  people on

 the computers were School  staff they were shocked and Confused  they quickly turned around and left they  tried to return a few times later but  the door was always locked to this day  they don't know what the room was for  and who those people were do you guys  have any theories next up number two now  we have the attic wall in October 2017 a  man from Florida uploaded a video of him  finding a hidden room behind an attic  wall in what he described as the  weirdest thing he'd ever seen he was  changing the air conditioning system  when he discovered this tiny room in the  Attic of the house it was covered in red  carpet and even had its own ventilation  system there were two license plates on  the wall along with a men's room sign  there were also a few empty pizza boxes  just to add to the mystery of it all it  got even weirder when he found a  makeshift toilet that the occupant would  use to pee the man said he had never  seen anything like it in his life many  people online began wondering who or  what would design such a comfortable  space equipped with its own toilet what  were they hiding from do they still live  there perhaps the discovery produced far  more questions than answers finally  number one now we have the painting  Reddit user Acer one so that he once met  a college girl at a defunct frat house  in Wisconsin they had lost their Charter  for some reason he was about to find out  why the pair fell for each other and he  moved into the place with her things  were fine at first but then one night  when they were drunk she took him up to  a room that was empty he hadn't seen it  before it had two bunk beds and above  one bed there was a secret hatch they  went through to an upstairs room where  most of the hazing rituals had taken  place then she told him the story she  said that one night in the dead of  winter a girl was sexually assaulted by  a group of Frat Boys there they left her  up there in the cold and she ended up  dying from hypothermia one of the boys  was supposedly so distraught that he  went up there the next day and painted  her picture on the wall and then he hung  himself while they were up there he said  he swore that the eyes on the picture of  the girl would follow him around the  room there were

 also reports of crying  coming from the attic on cold winter  nights he said he never went up there  again number 10 on her list let me give  you guys some background information on  this haunted house the riddle house is  located in Palm Beach county in Florida  the house used to be a funeral parlor so  I'm sure a lot of creepy things went  down side of this house but that's not  even the scary part one of the former  employees committed suicide by hanging  himself in the attic and according to  all of the reports any time a man steps  foot in the Attic his spirits will  attack them one man had an object thrown  at his head so now men are no longer  allowed to go inside of the attic I mean  I wouldn't want to step foot inside of  that attic anyway so you know what  whatever if that wasn't enough Legend  has it that the entire house is haunted  and if you go inside of it a spirit  might follow you home and haunt your  house as well I mean yeah no thanks I  don't want to be haunted I don't want my  house to be haunted I want to go to my  home and just be curse free and be  ghost-free as well the Queen Mary sails  onto our list at number nine the Queen  Mary has been voted one of the most  haunted places in America and this is by  Time Magazine and after doing my  research it's easy to see why there are  countless stories of many areas of the  ship that are haunted with ghosts  visitors claim that the engine room is  haunted by the ghost of a crew member  who was crushed to death by a watertight  door the swimming pool is also highly  talked about area as well people say  that they can see spirits at the bottom  of the pool and they are just waiting to  pull someone under the water and drown  them to death if that wasn't enough you  can go on a paranormal tours of the ship  but be warned there is a curse it is  said that each year during one of these  tours at least one guest will break a  bone while on board that number seven  this hotel was built in 1888 by the  Canadian Pacific Railway despite its  picturesque view this will tell hell is  plagued with angry spirit that will make  your night a living hell some of the 

 strange things that happened here was  when a family was brutally murdered in  room 873. a bride died while falling  down the hotel's marble staircase and a  retired Bellman apparently still haunts  this hotel even to this day but the fun  doesn't stop there the hotel is a room  that is known as the Phantom room there  was an error in the building plans which  resulted in this extra room being built  it doesn't have any windows and no one  knew that it existed except for the  builders but years later during a  renovation the room is discovered and it  was converted into a working room but  apparently the room is cursed it is full  of unusual sounds strange shadows and  you will feel extremely uneasy if you go  inside leap Castle brings us to number  six this is probably one of Ireland's  most haunted destinations due to its  dark history one of the most aggressive  murders that took place in the castle  occurred in 1532 in a room that is known  as the bloody Chapel a priest was  murdered in this room room in front of  his entire family the castle is now  rumored to be haunted by a ton of spirit  including a violent hunched Beast known  as Elemental if you find yourself inside  of this Castle you'll know that he is  near because you can you can smell  Rotting Flesh and sulfur and when the  castle was being renovated workers found  a dungeon that is only accessible  through the ceiling hatch I mean how  weird is that it is believed that the  prisoners were thrown inside forgotten  and left there to die dungeon also has a  bunch of human remains and was full of  spikes that were used to impale the  prisoners who were thrown there to their  death sounds like a great tourist  destination right yeah I don't think so  flight 191 takes us to number five we're  now talking about a cursed airplane  number if you ever find yourself booking  a trip pay close attention to your  flight number isn't flight 191 you might  want to consider changing your flight  and I'll tell you why this flight has a  higher than normal amount of crashes  there has been four commercial flights  with this flight number and they have  all crashed another flight had an  incident on board that caused the plane  into divert from the flight plan on an  American Airlines flight the plane  crashed shortly after taking off in  Chicago and it killed 273 people on  board a Delta Airlines flight crashed  while landing and it killed 137 people  and a calm Air flight crashed on takeoff  killing 49 people there are a bunch of  other airlines with flight numbers 191  that crashed but I think you get the  point the San Fernando Cathedral San  Antonio Texas jumps onto our list at  number four we have another cursed  Cathedral on this list this church was  built in 1868 and it is thought to be  the oldest church in Texas well  according to the local report this  church is plagued with angry spirits and  demonic forces people have seen hooded  ghosts in Monks clothing roaming the  Halls on a regular basis or they'll also  see a man dressed in black who stalks  you as you explore the church and yes  the church is still open for business so  if you're brave enough you can attend a  service that's if you dare I I don't  dare personally I'm not really that big  to angry Spirits following me around but  that might just be me number three we  have King Tut's tomb when this tomb is  discovered on November 26 1922 people  believe that the Pharaoh Unleashed a  powerful curse of death and destruction  upon those who entered his tomb I'd be  pretty pissed too if I was untouched for  3 000 years and then all of a sudden  there are a ton of people entering my  tomb with tools and some lights but  let's explore this curse even further  the man who paid for the excavation of  King Tut's tomb was the first one to be  hit with a curse while shaving he  accidentally tore open a mosquito bite  which caused him to die due to blood  poisoning the archaeologists who  discovered the tomb gave his friend a  paperweight as a gift the paperweight  was made out of a mummified hand and it  had some weird thing inscribed onto it  well after receiving this weird gift his  house burned down and when he tried to  rebuild it it was hit with a massive  flood a man who visited the tomb became  extremely ill and he never really  recovered he died of pneumonia a few  months later there are a bunch of other  unfortunate people who have mysteriously died after visiting this tomb so I know  one thing that is for certain you'll  never see me around this tomb I'll be  much more comfortable watching the  footage on YouTube or something like  that or maybe just Googling an image of  what the guy looks like moving up on  this list number two we have this  the rooms in the Cecil Hotel  here with us Hotel due to its dark  history it said that all 600 rooms of  the Cecil hotel are cursed due to the  murders maniacs and ghosts are roam  inside a bunch of serial killers used to  call this hotel their home maybe because  they all felt a strange Affinity to it  and over the years a lot of guests have  mysteriously died without any reasonable  explanations one of the most mysterious deaths was Alyssa Lam her body was found  two weeks after her death when people  were complaining about the water tasting  weird her body was decomposing in the  rooftop water tanks for weeks the  discovery of her body LED investigators  to watch the surveillance footage and  saw Alyssa go on to the elevator alone  then look outside the door several times  she left the elevator and it looks like  she was having a conversation with  someone who wasn't really there  [Music]  thank you  and that was the last time she was seen  alive and finally number one we have the  Warren occulta Museum if you know what's  good for you you'll never visit this  Museum although I'm I'm a little bit  curious but I would be pretty terrified  inside of it it is full of items that Ed  and Lorraine Warren have collected over  the years from their paranormal  investigations one of the most cursed  items that sits inside of these walls is  the Annabelle doll I mean everyone knows  by now she was responsible for at least  one death when a young man came into the  museum and challenged the doll to do its  worse and guess what it did another  cursed item at the museum is the shadow  doll this doll is said to be able to  visit you in your dreams and she has the  ability to stop your heart I mean yeah  no sex and you know what my curiosity is  over I no longer want to go visit this  Museum starting off this countdown we  have the comforters so when you stay at  a hotel you expect your room to be  nicely made up right clean sheets fresh  owls and blankets well that's not always  the case one of the dirtiest things in a  hotel room is the comforters they never  wash them that's right imagine how much  work that would be to wash thousands of  heavy comforters that take up so much  room in the washer so instead they just  don't wash them meanwhile they are being  used by hundreds of people and who knows  what they do on them seriously it's  disgusting also those little extra  blankets the hotel has yeah those are  never washed as well whatever you do  don't look at those under a black light  you'll be scarred Forever by the amounts  of fluids and stains on them I swear  you're better off bringing your own  bedding with you next time you go to a  hotel coming in at number nine we have  infestation there is a certain level of  pest that every hotel is allowed to have  which makes sense you can't let one ant  shut down an entire Hotel well sometimes  this can get out of control and that  doesn't mean the hotel is going to call  the health inspector to get everything  sorted out they're going to try and deal  with the problem in secret before anyone  discovers their dirty little secret and  that is what happened to redditor CSS  Wizardry he was staying in a hotel and  when he got to his room something was  very strange about the floor it seemed  like it was constantly moving like the  floor was alive now he had just come in  from a long plane ride and the extreme  heat so he assumed the reason that he  was seeing this was because he was a  little dehydrated he tried to relax and  drink some water and see if the strange  effect would go away but after some time  he looked back at the ground and low and  behold the ground was still dancing  around turns out there was bugs all over  the ground so many that it made it look  like the floor was alive in our eighth  spot we have the hotel glasses maybe you  arrive at your hotel after a long day of  traveling and all you want is a nice  cold glass of water but I must warn you  never use the bathroom glasses for a  drink why well first off undercover  cameras at hotel revealed that Maids  often don't wash them out with soap  before the next guest arrives if they  look clean then they are clean even if  they aren't not only that some hotels  clean the water glasses with furniture  polish to make them look extra clean and  shiny drinking furniture polish residue  can't be too good for your health so  you're either getting really dirty  unclean glasses or shiny toxic glasses  you pick coming in at number seven we  have pillowcases don't get changed  apparently this is a little trick of the  trade one-way hotels will cut down on  cost is by doing an eyeball over the  pillowcase and seeing if it's dirty if  it doesn't look physically dirty well  it's good for another round of guests so  the dude who is just sleeping on your  pillow with eczema on his face and acne  on his scalp well those hot wet juices  are now soaked into the pillowcase and  they're about to be soaked right into  your face yum apparently this is  something that hotels do because most  people don't use all the pillows and  this saves money and time the cleaners  have less work to do by replacing all  the pillowcases so they can get in and  out of rooms faster and they have less  laundry to do at the end of the day this  makes everything more productive at the  cost of your face skin on top of this  this really cuts down on the amount of  pillowcases they have to buy because I  don't know if you know this but nothing  does more wear and tear on your clothing  and bedding than the washing and drying  process so before you lay down in your  next hotel room check to see if there's  any leftover scabs on the pillowcases  make our way down the list number six we  have the dirty sheet I'm telling you I'm  never going to stay the night at a hotel  ever again I am so gross though and it  only gets worse so hotel workers have  been exposing some of their dirty little  secrets on an app called whisper this  app is meant for you to confess your  secrets anonymously and some of the  things the hotel workers revealed were  very disturbing so one person revealed  why you should always be polite to the  hotel staff because of their hotel when  people are rude or disrespectful to them  they change their sheets with dirty ones  from another person's room uh yikes so  when you're out thinking that the maids  are cleaning your room nope not at all  they're making sure you're getting a  good night's sleep on someone else's  dirty stained sweated on sheets coming  in at number five we have workers have  the safe code make sure you leave all of  your passports and everything worth  something to you in this safe no one  will be able to get it and you don't  need to worry about any of your stuff  getting stuck stolen well what if you  forgot the password you think that stuff  is just gone forever and the hotel will  have to buy a new safe no not at all  most Hotel safes have a master code that  anyone can put in at any time sometimes  it's something as simple as zero zero  zero pound now you hope that only the  higher level Hotel staff have access to  these things but the truth is that word  normally gets around and several of the The Green Man Urban Legend people who come into your room to clean  it or make sure that everything is  working properly have the password to  your safe so maybe hide your prize  possessions in a more clever place than  the most obvious place in the room in  our fourth spot we have bed bugs one  thing you should always and I mean  always do before unpacking is to check  the bed for bed bugs untuck the sheets  and inspect that mattress why well  hotels have had very bad bed bug  problems someone could easily bring  these bugs with them and during their  stay the bed bugs get settled into the  hotel bed then when you stay there they  will be biting your legs at night they  can even get into your bag and and come  home with you and infest your house and  it takes thousands of dollars to get rid  of a bed bug infestation so watch out  too many hotels have had a bed bug  problem some of them even ignore it to  save money coming in at number three we  have sometimes things get skipped not  everything in your hotel room is going  to be clean sometimes things are just  not going to see any sort of Sanitation  the biggest things are things that get  used all the time but you don't really  think about cleaning in your own home  things like remote controls light  switches and lamps now do those really  need to be cleaned well when thousands  of people have touched them before you  it would be nice if they saw a little  soap and water but sometimes big things  get skipped over this happened to  redditor professional intern this person  was staying in a hotel they laid down  their luggage and then they were ready  to step into the bathroom and have a  nice shower little did they know they  were in for a big surprise the whole  bathroom was covered in pews they said  there was so many pubes it seemed like  it was a practical joke you would expect  the bathroom to be clean when you come  to stay in a hotel room but I guess this  place had a different policy coming in  at number two we have the hidden cameras  no Hotel staff have not installed hidden  cameras in your room it's actually worse  than that creeps have been going around  installing undetectable cameras in hotel  rooms they then watch your every move or  they stream you online for others to  watch it's disgusting in 2019 there were  a bunch of news stories about Travelers  finding hidden cameras in their hotel  rooms typically these cameras are super  small like they can fit inside the cross  of a Phillips screw head that's how  small they are these cameras get placed  on smoke detectors alarm clocks and even  shampoo bottles in South Korea a crime  ring was busted after secretly filming  and live streaming over 1 600 Hotel  guests it's so creepy and a total  invasion of privacy and since the  cameras are so small they could be  anywhere in your hotel room and coming  into the number one spot we have  sleeping in a dead man's bed we when you  have thousands of people coming in and  out of your hotel every year some of  them are old some of them have health  problems and some of them are just  unlucky the thing is someone is going to  die maybe they will die in the tub maybe  they will die in that one chair that  every hotel room has maybe it will be in  the bed but the scary thing is once this  does happen the room will be closed down  for a short time literally a sanitation  crew will come in remove the body the  cops will come through and check to see  if it is a homicide and the cleaners  will come through and do a quick flip on  the room and then it's back on the  market baby so in less than 24 hours you  could have a room that someone just died  and flipped and ready for the next guest  so next time you stay in a hotel and ask  for an upgrade and they tell you oh a  room just opened up maybe you should ask  them why the room opened up starting off  this countdown we have these snakes  imagine laying in bed and all of a  sudden feeling something scaly  slithering up your leg again I wish I  was joking but finding a snake in hotels  or hotel rooms is actually quite common  in warm places especially Florida snakes  have been known to wander into Resorts  and then Slither into guests bags or  find their way upstairs nothing is worse  than going to unpack and finding a snake  in your bag actually I lied what's worse  is waking up to a snake in your bed  beside you that happened to one guest in  Florida the snake somehow got into her  room and then got into her bed while she  was asleep thankfully the snake wasn't  poisonous but still no one wants things  like that to happen to them coming in at  number nine we have the dirty movies  so at some hotels you have limited TV  channels but one thing that you will  always have is the adult movie section  now none of those are provided for free  so if you wish to watch an explicit  movie you'll have to pay for it and you  may think that it's just your dirty  little secret but no it's not the hotel  staff know who orders what and when so  they know exactly what you're doing  upstairs in your room awkward moving on  at number eight we have the crimes so if  you're staying at a hotel you might  think you're completely safe I mean  you're in a locked room the hotel is  monitored by security and they have a  bunch of cameras monitoring the hallways  but are you really safe well a study  revealed that robbery and assault are  pretty common crimes that take place in  hotels people that are traveling often  have a large sum of cash on them making  them easy target  in fact there have been a number of  cases of people wandering into hotels  and then breaking into hotel rooms and  robbing the place according to the  Seattle Times a statement released by  police officials States and I quote more  and more guests are being physically  threatened in or near their rooms or  Worse attacked  or killed that's super scary to think  about that's the last thing you want to  think about while being on your vacation  in our seventh spot we have the bargain  hunters when you go on vacation you want  the best deals possible you want to  spend the least amount of money but  still want an amazing experience as a  result you may use third-party websites  to get a hotel room at a discounted  price Hotel Trivago but maybe this isn't  the best idea you may save money on the  room but you'll pay later on in other  ways a number of hotels revealed that  those that book through third-party  sites may not get a five-star experience  since those guests are paying less they  are often given the crappiest rooms in  the hotel they may not get fresh towels  every day and Maids probably won't do a  deep clean of your room well they don't  anyway but still why well they are  making less money on those days so why  would they put the time of day into  those guests they are more committed to  pleasing the loyal customers in our  sixth spot we have the personal items  former Hotel staffs have warned guests  to never leave any of their personal  hygiene items out like beauty products  or their toothbrush they shared stories  of times where annoyed housekeepers  would use guests toothbrushes to clean  the toilets okay now I have trust issues  I swear I rather Camp outside than stay  in a hotel room now another employee  admitted on The Whisper app that they  frequently use guests stuff basically  this app is a way to confess your  secrets anonymously and the hotel  industry had a lot to say so she  admitted that she would test out guests  hair products or skin products so now  it's said to never leave any personal  items out on display it's safer to keep  them in your bag when you know  housekeeping is going to be in your room  we are now at our fifth and halfway I  Mark with the thieves maybe you're  saying at a really nice hotel with soft  comfy robes and plush towels and you  think to yourself huh they won't notice  if I take a couple of things chances are  they will notice some hotels have  started using radio frequency  identification technology to prevent  theft basically hotels have embedded  small chips into certain items to track  them these items are embedded into  towels robes and linen to prevent them  from being stolen and they are alerted  once the item leaves the property so  they will know if you're stealing from  them I mean putting trackers and towels  does seem extra but hotels lose  thousands of dollars every year just  from stolen items so think twice before  you NAB a couple of towels to take home  as a souvenir in our fourth spot we have  the mini bar one of the things that was  drilled into my head as a kid is to  never take anything from the hotel's  mini bar for starters they're so  expensive like who's trying to pay  twenty dollars for a mini bottle of Fiji  Water not me because of the high prices  some guests will try to be sneaky Hotel  staff have revealed that some guests  will take the drinks and then to avoid  paying for them we'll refill the bottles  with water or even urine yeah that  happens more often than you think the  hotel staff recommend that you check the  seals on all bottles in the mini fridge  so you don't get charged for another  guest's fun moving on at number three we  have the ice bucket since you're staying  in a room where thousands of others have  stayed before you you gotta be careful  who knows what those guests were doing  in the room before you got there Hotel  staff have found vomit urine and feces  in ice buckets and coffee makers before  I know it's disgusting so either avoid  those items comes completely or scrub  the crap out of them literally before  you decide to use them in our second  spot we have the room service room  service is super convenient maybe you  just had a long flight and are jet  lagged and you just want to stay in bed  all day with a click of a button you can  have meals delivered right to your door  but this secret reveals the reason why  you shouldn't order room service so  again this secret was exposed on the app  whisper one hotel worker admitted that  at her work none of the workers ever buy  lunch instead whenever someone orders  food to their room they all just  carefully pick the meal before sending  it up yeah so whenever you get a fresh  meal it may just be that multiple people  have been digging their fingers into it  before you another worker in a different  Hotel revealed that if a guest isn't the  nicest to them then they will spit or  tamper with their food before sending it  up messing around with another's man  food is no joking matter not cool guys  not cool and in our number one spot we  have the hotel room corpse so around  1991 there was a famous urban legend  about a couple vacationing in Las Vegas  who found a dead body under their hotel  bed Well turns out that this has  happened to multiple people across the  world all of these individuals started  to notice a weird odor emerging from  under their bed when they inspected they  found a dead body in 1999 a couple was  vacationing in Atlantic City when they  discovered they were sleeping on a  mattress that contained a body in 2010 a  couple in Memphis found the body of a  missing person Sunny Millbrook under  their bed they also found fabric  softener sheets shoved in the ceiling  tiles to try and hide the smell gross I  mean it's already weird sleeping on a  mattress that thousands of others have  slept on but sleeping over a dead body  that's disgusting maybe you should  always inspect your hotel rooms before  you decide to spend the night there  starting off this list in our number 10  spot we have this apartment attic this  Tick Tock tells an incredibly  interesting but horrifying story The  Tick tocker Sasha Jones had a series of  videos blow up as she told a story about  her childhood home that she lived in  with her family for 10 years while  living in this home she explained that  she had frequent bouts of sleep  paralysis and night terrors as well as  sleepwalking any fans of all things  creepy know that this probably isn't a  good sign Sasha explains that at one  point she went on a week-long trip to LA  but when she returned home her mom sat  her down to tell her that they were  suddenly going to be moving out in two  weeks as it turns out Sasha's mom  revealed to her that while she was away  on her trip the family had found an  attic that was hidden away in the closet  that had not been disclosed in the lease  basically the attic was only accessible  by one little square and it was super  heavy apparently when Sasha's mom sent  her brother up there to check it out he  saw a bed a dresser some sheets and a  pair of shoes and while everything was  covered in dust there was a set of  footprints to her room and then back to  the bed I think it absolutely makes  sense why they ended up moving out as  quickly as possible Sasha also explained  that once they moved Apartments her  night terrors sleepwalking and sleep  paralysis all stopped which cannot be a  coincidence in our number nine spot  today we have this hidden basement this  Tick Tock comes from the user  unfortunate existence about something  she uncovered in a home she had  purchased the year prior she was pulling  back her carpeting when she revealed a  hidden trap door in the floor upon  opening it she came to realize that she  had an entire basement that she knew  nothing about previously apparently  aside from finding the fuse box which  she had previously been unable to locate  the basement findings also included a  rocking chair and an old pickle jar I  think it's safe to say that they are  much braver than I am because there is  no no way I could have investigated a  secret hidden basement on my own in our  number 8 spot today we have this secret  passageway The Tick tocker Freddie  Goodall really delivered with his secret  room Trend in his 500 year old home in  his video he showed the world a secret  passageway he found hidden behind a  bookshelf in his home the secret  passageway ended up leading to a room  full of old torn up books apparently  this large home has a history of once  being a boarding school so it is  believed that these remnants might have  something to do with that Freddy made a  few more videos of this secret space as  well as more hidden gems found in his  home such as some wine storage and  tunnels that led to what was once the  servant's quarters it is extremely  interesting to see these little hidden  Parts but there's also something  extremely Eerie about it if you lived in  this home and found all of these secrets  I want to know what you would do with  them let me know Down Below in the  comments in our number seven spot today  we have this New York City Apartment  this Tick Tock is kind of the one that  really started the secret hidden room  trend on the app last year Samantha  heart cell was feeling frustrated in her  New York City apartment because she was  continuously feeling a freezing cold  giraffe so she decided to investigate  the source of it it was coming from her  bathroom and after doing some searching  she realized that it was coming from  behind her bathroom mirror and that this  mirror was a little too easy to move  when she took the mirror off of the wall  she revealed an entire other room and of  course like anyone became worried that  someone may be living in that room but  still bravely decided to investigate  after climbing through this hole in the  wall she revealed an entire unoccupied  apartment on the other side it is  unclear exactly what this situation is  with this apartment but she most  definitely called her landlord  immediately after in our number six spot  today we have this hidden safe this one  is a little different on today's list  because rather than a mysterious finding  this Hidden Gem was intentionally placed  by this tick-tocker Chris bonamo too I  talked where they showed a genius secret  hiding place where they store their  valuables this Secret Safe is hidden in  the bathroom room behind a piece of  molding after this they placed a towel  rack on top so that the rack can act as  a sort of handle to reveal this  well-placed secret while this is  extremely cool and honestly a seemingly  good idea my only concern is that now  this secret is all over Tech talk where  anyone can find it so maybe on second  thought I'll just have to think up my  own genius hiding spot for all of my  most valuables in our number 5 spot  today we have this hidden Time Capsule  cam me and her husband were doing some  Renovations on their home when they  stumbled upon their secret hidden room  that they were blissfully unaware of  prior to this the room was filled with  old pictures and one of the most Eerie  among them was a photo of a child  sitting in a Go-Kart with a seemingly  headless man standing beside him cam has  said that she really hopes the photo was  just some sort of an exposure problem  because it really is extremely creepy to  see aside from the photo the couple also  found a Christmas gift from a past owner  that was addressed to the occupant some  postcards in a 1960s letter addressed to  the writer's mom about a family dispute  the whole thing is not only interesting  because it really is like a time capsule  but it also makes you wonder what led to  this room being closed off and hidden  for all of those years especially with  all of that stuff inside in our number  four spot today we have this hidden  attic tick tocker [ __ ] hankshaw and her  partner purchased a home together during  the pandemic but because of everything  that was going on they weren't ever  actually able to see the house in person  and instead base their decision entirely  off of seeing photos of it on the  internet the couple first became  suspicious about a possible secret room  because they saw some windows on the  outside of their home but realized that  they had no access to them from the  inside in the second video in this  little Tick Tock series they walked into  what seemed like a storage space or  wardrobe upstairs and revealed that they  had found a small square panel that was  screwed into the wall once they took the  panel off they found the secret room  they had been looking for the secret  room was finished with insulation and  flooring and the wall they went through  was new which led to the couple  wondering why this attic space have been  blocked off like that while it does seem  a little Eerie it would be awesome to  purchase a home that had more space than  you ever even knew in our number three  spot today we have this hidden bathroom  Mia bug bought her very first home and  immediately took to getting the  renovations done prior to her moving in  the seller of the home explained that  they have sealed off an area because  there was a leaking drain pan the seller  said it was a small fix and not very  costly but they just didn't have the  time or energy to do it so they sealed  it instead Mia had no problem with this  and bought the house but when she went  to take down the sealed wall she  realized that this story was not  entirely true instead they found a fully  tiled bathroom hidden away behind this  wall the reviews to this discovery were  mixed with some people pointing out that  it's a strange situation and adds a  creepy element that the previous owners  lied about it while others explained  that they would be ecstatic to find  their home actually had another bathroom  that they were unaware about at the end  of the day it's probably just better to  stay on the positive side and not think  about all the things that might have led  to this being hidden away in our number  two spot today we have this storage  cupboard basement a tick tocker named  Abby uploaded a tick tock that featured  the caption I can't believe what we  found in our storage cupboard well this  storage cupboard revealed a hidden  secret passageway to a basement that  they had no idea existed they explained  that they decided to investigate because  the storage area is where they put their  vacuum cleaner and they always felt like  it sounded Hollow beneath it when they  went down there there was clearly  evidence someone had once been down  there with things all over the floor  with some creepy scratched out pop art  posters on the wall some commenters had  theories that the secret basement may  have actually been a World War II bunker  while other commenters swear that the  opening of the basement must have  released some Spirits into our world the  whole basement is very creepy looking  and is quite literally falling apart but  it could have some potential if they  renovated it in our number one spot  today we have this creepy Airbnb this  tick tocker was staying at an Airbnb  when he began to get some Eerie feelings  it started when he first met the owners  of the Airbnb and realized that they  were surprised that he was a male and  not a female and a female knows what a  huge red flag that would be he goes on  to explain that he could hear some  strange noises coming from the vent in  the middle of the night and also had a  feeling that he was being watched  instead of doing nothing he decided to  investigate he approached the vent and  ended up finding a whole entire room  behind it he explains that he didn't  actually catch anyone spying on him or  catch anyone actually in the room but  like anyone the whole thing absolutely  freaked him out and was more than enough  to keep him on edge I'm truthfully just  hoping that he didn't stay at the Airbnb  for any longer and also reported it  thank you  

วันศุกร์ที่ 22 ตุลาคม พ.ศ. 2564

100 consejos para ahorrar dinero todos los días

100 consejos para ahorrar dinero todos los días


Poder ahorrar dinero mes tras mes es un hábito que debes forjar si quieres tener unas finanzas exitosas. De hecho, ahorrar es el primer paso hacia la libertad financiera.

Hay muchas formas de empezar a ahorrar sin sacrificarse necesariamente. Se trata más de adaptarse a un consumismo más consciente, manteniendo claras nuestras prioridades financieras.

La forma en que gastamos es un reflejo de nuestros valores y de lo que consideramos importante en nuestras vidas. Si tiene claro que compra su dinero de verdad, hacer recortes para ahorrar no debería ser un problema. Reduzca lo que siente que no le hace feliz o que no le sirve de nada en la vida.

Hay muchas formas de comenzar a ahorrar dependiendo de la prioridad de su vida, por lo que he dividido estos consejos de ahorro en categorías para que le resulte más fácil decidir dónde desea comenzar a ahorrar.

Presupuesto para ahorrar:


1. Siempre tenga un presupuesto para cada mes. Un presupuesto es la forma de decirle a su dinero dónde debe ir antes de comenzar a gastarlo.
2. Deje que los ahorros sean lo primero que se debite de su salario. Automatice este pago cada mes con su cuenta de ahorros.
3. Establezca una meta clara a corto plazo. Vaya mes a mes. Aquí te muestro cómo establecer tu plan de ahorro.
4. Empiece por ahorrar una pequeña cantidad. Pueden costar $ 10 o $ 20. Lo importante es crear el hábito. Un buen sistema es el desafío de 52 semanas, en el que comienzas a ahorrar una pequeña cantidad de dinero y gradualmente aumentas la cantidad.
5. Cree un sistema de ahorro que funcione para usted. Tienes tu propia forma particular de hacer las cosas, diferente a las demás. Pruebe primero el método de ahorro que se adapte a su personalidad y vea si funciona en el transcurso de un mes.
6. No ahorre para ahorrar, ahorre porque planea hacer algo con su dinero. Cuando tengas tu plan, llámalo "ahorrar para ...": estudiar, viajar, pagar deudas, etc.
7. Tenga siempre una lista de compras con usted para evitar comprar lo que no necesita. A veces tu memoria te juega un mal pasado, así que siempre escribe lo que vas a comprar. Organice esa lista en orden de importancia, primero lo que más necesita y luego lo que puede esperar. Esto te permitirá ser más consciente de tus prioridades a la hora de gastar, posponer compras que no sean urgentes y distribuir tu dinero de forma más equitativa. Consejo importante: compre solo lo que está en su lista.
8. Pague en efectivo. Si tiene una tarjeta de crédito, no salga con ella. Las tarjetas en general crean la ilusión de no perder dinero. Cuando pagas en efectivo, realmente ves cómo el dinero se te sale de las manos, por lo que es más fácil controlar los gastos.
9. Limite la tentación de gastar fuera de su presupuesto con una mesada. Destina un porcentaje de tu salario para gastarlo en lo que te gusta, ya sea semanal o mensual, de esta forma disfrutas pero sin perjudicar tus finanzas.

Cree un desafío para gastar menos:


10. Crea un mes sin gastos, me refiero a un mes donde solo gastas lo necesario.
11. Si le resulta demasiado difícil, intente los fines de semana o semanas enteras sin costo alguno.
12. Elija un producto determinado que no va a comprar durante un tiempo determinado. Si eres una persona compulsiva a comprar algo, comienza este desafío. El dinero que gastó en él lo puede ahorrar.
13. Posponga sus compras. Si está realmente tentado a comprar algo, guárdelo para otro día o aplique la regla de las 48 horas. Descubrirás que pasado este tiempo te has olvidado o has perdido las ganas. Con esto aprendes a controlar tus emociones y no les permites que controlen tus decisiones. Es como cuando te peleas con tu pareja y para no ofenderla prefieres hablar cuando el ánimo se ha calmado.
14. Manténgase alejado de sus factores desencadenantes de gastos. Cancela tu suscripción desde todos los lugares o páginas web que te animen a comprar. Elimina tu nombre de usuario y contraseña y el historial de la página.
15. Reduzca su tiempo en las redes sociales, ya que le animan a copiar el estilo de vida y la ambición de otras personas más de lo que necesita. Si hicieras mi desafío durante un mes sin gastos, te darías cuenta de lo poco que necesitas para ser feliz.
16. Reduzca su plan de telefonía celular.

Hacer mas dinero:


17. Trate de ganar más dinero. La mejor manera de aumentar sus ahorros es generando más ingresos. Puedes empezar vendiendo artículos que no usas, trabajando horas extras, alquilando una habitación en tu casa o dando clases particulares. Hay muchas opciones, elige la que más te guste.
18. Deje de acumular artículos y venda lo que ya no usa. Tener más cosas no te hace más rico. Vende la ropa, los electrodomésticos y las pertenencias que no usas.
19. Negocie los precios de lo que compra. En nuestra cultura latina es un hábito normal. No se arrepienta y ofrezca un precio más bajo, cualquier descuento es un amor para su billetera.
20. Verifique sus cuentas bancarias y vea qué gastos adicionales está haciendo su banco. Si ve que su tipo de cuenta le cobra demasiado, averigüe cómo puede tener otro tipo de cuenta o cómo puede reducir estos cargos. Por ejemplo, al revisar lo que me cobraron en un año casi me desmayo. Cuando fui al banco, me ofrecieron un tipo de cuenta que no cobra por mantenimiento de tarjetas de débito sino por retiros en cajeros automáticos. Desde entonces, solo hago un retiro por mes y me han liberado de los costos de mantenimiento mensuales.
21. Alquile una habitación en su casa, el garaje o su coche.
22. Comparta su coche con otras personas y cobre la "tarifa".

Ahorre dinero en compras:


23. Evite las compras en temporada. Compre antes o después de fechas especiales para aprovechar los descuentos, las malas decisiones de última hora, las multitudes y el estrés general.
24. Si vas a comprar algo que necesitas, busca promociones o fechas de descuento. También puede utilizar cupones.
25. No compre cuando esté estresado, preocupado o molesto solo porque se siente mejor.
26. Siempre compare precios y no compre en el primer lugar que vea.
27. Compra en efectivo. No pague a plazos ni con tarjeta de crédito. Además, puedes recibir un descuento por pagar en efectivo.
28. Si prefiere pagar con su tarjeta de crédito los puntos o millas que acumule, realice compras en una única cuota para no perder dinero en intereses.
29. Compra en tiendas online. Algunos son más económicos. Le ahorran tiempo, estrés y la tentación de comprar lo que no necesita.

Ahorre dinero en comida:


30. Basado en su menú semanal, tenga una lista de compras. Nunca salgas sin tu lista: terminarás comprando lo que no necesitas y yendo al supermercado muchas veces.
31. No vayas al supermercado solo por un artículo o dos porque terminas comprando por impulso o por capricho lo que no necesitas.
32. Consuma alimentos más naturales y menos procesados.
33. Evite las comidas rápidas y coma constantemente en los restaurantes.
34. Haga un presupuesto de lo que come en casa y al aire libre.
35. Encuentra el supermercado más barato de tu zona. Personalmente, prefiero los mercados porque sus productos son más baratos (ya que hay menos intermediarios y los alquileres que pagan los locales son más bajos).
36. Consuma menos carne y más proteína vegetal. Las legumbres (frijoles, lentejas, garbanzos, guisantes, etc.) son una gran proteína si la combinas con un cereal (arroz, avena, quinua, etc.)
37. Congele inmediatamente las sobras para cualquier otro día (que no quiera cocinar).
38. Si tienes una familia numerosa, intenta comprar en grandes cantidades o donde venden al por mayor.
39. Si tiene que comer en el trabajo, prepare su comida ya sea para el almuerzo o los refrigerios.

Ahorre en pasatiempos:


40. Descargue libros gratuitos de Internet.
41. Visite la biblioteca más cercana y lea sus libros.
42. Ve al cine los días con descuento.
43. Si te gusta el licor, busca Happy Hour en tus bares favoritos.
44. Asista a eventos culturales gratuitos en su ciudad, como exposiciones de arte, conciertos o giras.
45. Realiza una caminata ecológica o en bicicleta por las áreas verdes de tu ciudad.
46. Desconecte la televisión por cable. Dirígete a Netflix (cero comerciales) o dedícate a leer más.
47. Convierta su afición en un negocio: venda sus artesanías; aconseja a otros sobre cómo vestirse bien; toca tu guitarra en bares locales, etc.
48. Salir de vacaciones o visitar sitios turísticos en temporada baja.
49. Organiza una comida compartida con tus amigos. Cada persona debe traer un plato para todos los invitados.

Ahorre en belleza:


50. Compre marcas genéricas. Algunos ofrecen los mismos beneficios que los costosos productos de maraca.
51. Utilice productos más naturales. La cocina es una gran fuente de productos de belleza ya que tu piel es una segunda boca.
52. Compre un frasco grande de aceite de coco virgen. Sirve como tratamiento capilar, crema para el cuerpo, manos y rostro, crema depiladora, desmaquillante, lubricante íntimo, crema para los brotes además de ser utilizado en la cocina.
53. Hacer un spa en casa con productos naturales.
54. Haz tu manicura y pedicura en casa.

Ahorre con la gente:


55. Manténgase alejado de personas que lo motiven a gastar solo para satisfacer el placer del momento. En su lugar, rodéese de personas que compartan sus intereses y que comprendan sus prioridades.
56. Discuta sus metas de ahorro con las personas más importantes y cercanas a usted.
57. Hable con su pareja e hijos sobre la importancia de ahorrar y establezca metas juntos.
58. Si tienes hijos y sales con ellos, explícales antes de salir de casa que no van de compras y cuál es el propósito de la salida. Cuando prepares a tu hijo para lo que se avecina, él tendrá más claro cómo debe comportarse (ya te lo dije, yo era maestra de primaria). Recuerda no ceder a su rabieta y hablar constantemente con él sobre la diferencia entre los lujos y las necesidades.
59. Pase más tiempo con sus hijos en lugar de comprar más juguetes o aparatos electrónicos para compensar su presencia.
60. Ten citas libres con tu pareja: una copa de vino mirando las estrellas, un paseo por la ciudad, una noche de masajes, etc.

Ahorre dinero Minimalismo:


61. Compre lo que necesite y realmente lo va a utilizar. Dale a lo que compras una vida útil en lugar de solo comprar.
62. Intercambia con tus conocidos o amigos objetos como libros, música, accesorios o ropa que no uses.
63. Compre productos de buena calidad que duren mucho tiempo.
64. Tener un armario combinable. Maneja ciertas prendas básicas. Esto le ahorrará tiempo y dinero al vestirse.
65. Tenga la menor cantidad posible de electrodomésticos y objetos en casa. Quédese con los que sean útiles para diversos fines.
66. Viva en un lugar más pequeño, especialmente si vive solo o con una pareja.
67. Mantenga su casa ordenada y libre de objetos innecesarios y no tendrá que pagarle a nadie para que la limpie.
68. Repare los objetos o la ropa que aún funcionan en lugar de apresurarse a comprar algo nuevo.
69. Piensa que lo que tienes no te define. Aspira a ser en lugar de tener.

Hábitos de ahorro de dinero:


70. Analiza lo que te hace feliz. Verás cómo se reducen tus gastos.
71. Viva sano y haga ejercicio con frecuencia. Le ahorra dinero en tratamientos médicos y enfoca su mente en lo positivo.
72. Sea muy claro que está en su lista de necesidades y deseos.
73. Escriba lo que desea hacer con su dinero y cómo desea aprovecharlo al máximo. Cuando tienes claro tu objetivo, ahorras en gastos inútiles que no están de acuerdo con tu proyecto de vida.
74. Apague la TV, esto reduce el tiempo de exposición a comerciales y todo tipo de disparadores de compras.
75. Reúnase en casa con amigos, en lugar de salir con frecuencia.
76. No te compares con los demás. El hecho de que alguien tenga más que tú no significa que sea más feliz o viva mejor. Siempre habrá alguien que tenga menos o más que tú.
77. Cada fin de semana, programe sus gastos para los próximos siete días.
78. Revise su presupuesto constantemente.
79. Verifique sus facturas de servicios públicos y bancarias en caso de errores o cargos excesivos por gastos que no haya relacionado.
80. Guarda las facturas a pagar en un lugar visible y ordenado para que no te olvides de pagarlas a tiempo.
81. Utilice una alcancía para ahorrar cambios o turnos. Se sorprenderá de cuánto puede ahorrar.
82. Antes de comprar pregúntate: ¿Lo necesito o lo quiero? ¿Tengo en casa algo similar que cumpla la misma función?
83. Piensa en positivo sobre el dinero, confía en que puedes ser parte de la abundancia que existe en el universo.
84. Cuando obtenga dinero extra, guárdelo en lugar de apresurarse a gastarlo.
85. Elimina tus malos hábitos como fumar, beber, comprar la lotería o cualquier adicción que tengas.

Aprenda a administrar su dinero:


86. Lea más sobre finanzas personales.
87. Escuche, lea y hable con personas que manejan bien su dinero.
88. Visita tu banco y pregunta por las diferentes cuentas de ahorro que tienen y cómo puedes ganar dinero con ellas.
89. Automatiza el pago de tus facturas y todo lo que puedas para que sean descontadas de tu cuenta bancaria.
90. Únase a grupos de Facebook cuyo tema se está guardando.

Ahorre dinero con el seguro:


91. Tener un buen seguro médico y de automóvil. Cuando llegue una emergencia, no tendrá que sacrificar sus ahorros ni endeudarse.

Ahorre dinero con deudas:
92. Procura refinanciar tus deudas y lograr un interés menor. También puede cobrar todas sus deudas bancarias en una para ahorrar dinero, reducir el tiempo y crear facilidades de pago.
93. Pague las pequeñas deudas rápidamente. Luego, el dinero que utilizó en ellos, úselo para pagar sus principales deudas.
94. O primero para su mayor deuda, ya que ahorra dinero en intereses.

Ahorre dinero con impuestos:


95. Pague sus impuestos a tiempo para evitar cobrar intereses. Cuando pagas antes de la fecha límite, puedes obtener un descuento.

Ahorre dinero con la tecnología:
96. Descargue el editor de documentos de Google Drive en lugar de pagar por Microsoft.
97. Compra dispositivos tecnológicos de acuerdo a tus necesidades, no mega máquinas que solo usas para navegar por internet.

Ahorre dinero con el hogar:


98. No tenga 20 artículos de tocador en casa. Toma uno multiusos, basta con vinagre o lejía
99. No es necesario el suavizante de telas. Elige mejor tu jabón de lavar, es suficiente.
100. Mantenga sus electrodomésticos adecuadamente.

100 conseils pour économiser de l'argent chaque jour

100 conseils pour économiser de l'argent chaque jour


Être capable d'économiser de l'argent mois après mois est une habitude que vous devez prendre si vous voulez avoir des finances réussies. En fait, l'épargne est la première étape vers la liberté financière.

Il existe de nombreuses façons de commencer à épargner sans nécessairement se sacrifier. Il s'agit davantage de s'adapter à un consumérisme plus conscient, de garder nos priorités financières claires.

La façon dont nous dépensons est le reflet de nos valeurs et de ce que nous considérons important dans nos vies. Si vous êtes clair que vous achetez votre argent pour de vrai, faire des coupes pour économiser ne devrait pas être un problème. Réduisez ce que vous ressentez ne vous rend pas heureux ou n'est d'aucune utilité dans votre vie.

Il existe de nombreuses façons de commencer à épargner en fonction de votre priorité dans la vie, c'est pourquoi j'ai divisé ces conseils d'épargne en catégories pour vous permettre de décider plus facilement où vous voulez commencer à épargner.

Budget à économiser :


1. Ayez toujours un budget pour chaque mois. Un budget est le moyen de dire à votre argent où il doit aller avant de commencer à le dépenser.
2. Laissez l'épargne être la première chose qui est débitée de votre salaire. Automatisez ce paiement chaque mois avec votre compte épargne.
3. Fixez-vous un objectif clair et à court terme. Allez mois après mois. Je vous montre ici comment établir votre plan d'épargne.
4. Commencez par économiser une petite somme. Ils peuvent coûter 10 $ ou 20 $. L'important est de créer l'habitude. Un bon système est le défi de 52 semaines, où vous commencez à économiser une petite somme d'argent et augmentez progressivement le montant.
5. Créez un système d'épargne qui fonctionne pour vous. Vous avez votre propre façon de faire les choses, différente des autres. Essayez d'abord la méthode d'épargne qui convient à votre personnalité et voyez si cela fonctionne au cours d'un mois.
6. N'économisez pas pour épargner, épargnez parce que vous prévoyez faire quelque chose avec votre argent. Lorsque vous avez votre plan, appelez-le « économiser pour... » : étudier, voyager, payer des dettes, etc.
7. Ayez toujours une liste de courses avec vous pour éviter d'acheter ce dont vous n'avez pas besoin. Parfois, votre mémoire vous joue un mauvais passé, alors écrivez toujours ce que vous allez acheter. Organisez cette liste par ordre d'importance, d'abord ce dont vous avez le plus besoin, puis ce à quoi vous pouvez vous attendre. Cela vous permettra d'être plus conscient de vos priorités en matière de dépenses, de reporter les achats qui ne sont pas urgents et de répartir votre argent de manière plus équitable. Conseil important : n'achetez que ce qui est sur votre liste.
8. Payez en espèces . Si vous avez une carte de crédit, ne sortez pas avec. Les cartes en général créent l'illusion de ne pas perdre d'argent. Lorsque vous payez en espèces, vous voyez vraiment comment l'argent sort de vos mains, il est donc plus facile de contrôler les dépenses.
9. Limitez la tentation de dépenser hors de votre budget avec une allocation. Allouez un pourcentage de votre salaire à dépenser sur ce que vous aimez, hebdomadaire ou mensuel, de cette façon vous profitez mais sans nuire à vos finances.

Créez un défi pour dépenser moins :


10. Créez un mois sans dépenses, je veux dire un mois où vous ne dépensez que ce qui est nécessaire.
11. Si vous trouvez cela trop difficile, essayez des week-ends ou des semaines entières sans frais.
12. Choisissez un certain produit que vous n'allez pas acheter pendant un certain temps. Si vous êtes une personne compulsive pour acheter quelque chose, lancez ce défi. L'argent que vous y avez dépensé, vous pouvez l'économiser.
13. Reportez vos achats. Si vous êtes vraiment tenté d'acheter quelque chose, gardez-le pour un autre jour ou appliquez la règle des 48 heures. Vous découvrirez qu'après ce temps vous avez oublié ou vous avez perdu le désir. Avec cela, vous apprenez à contrôler vos émotions et ne leur permettez pas de contrôler vos décisions. C'est comme lorsque vous vous disputez avec votre partenaire et pour ne pas l'offenser, vous préférez parler lorsque l'ambiance s'est calmée.
14. Éloignez-vous de vos déclencheurs de dépenses. Annulez votre abonnement à partir de tous les lieux ou pages Web qui vous encouragent à acheter. Supprimez votre nom d'utilisateur et votre mot de passe ainsi que l'historique de la page.
15. Réduisez votre temps sur les réseaux sociaux car ils vous encouragent à copier le style de vie et l'ambition des autres plus que nécessaire. Si vous releviez mon défi pendant un mois sans frais, vous réaliseriez à quel point vous avez besoin de peu pour être heureux.
16. Réduisez votre forfait mobile.

Gagner plus d'argent:


17. Essayez de gagner plus d'argent. La meilleure façon de faire fructifier votre épargne est de générer plus de revenus. Vous pouvez commencer par vendre des objets que vous n'utilisez pas, faire des heures supplémentaires, louer une chambre dans votre maison ou donner des cours particuliers. Il existe de nombreuses options, choisissez celle que vous aimez le plus.
18. Arrêtez d'accumuler des objets et vendez ce que vous n'utilisez plus. Avoir plus de choses ne vous rend pas plus riche. Vendez les vêtements, les appareils et les effets personnels que vous n'utilisez pas.
19. Négociez les prix de ce que vous achetez. Dans notre culture latino, c'est une habitude normale. Ne vous sentez pas désolé et offrez un prix inférieur, toute remise est un amour pour votre portefeuille.
20. Vérifiez vos comptes bancaires et voyez quelles dépenses supplémentaires votre banque fait. Si vous constatez que votre type de compte vous coûte trop cher, découvrez comment vous pouvez avoir un autre type de compte ou comment réduire ces frais. Par exemple, lors de l'examen de ce qu'ils m'ont facturé en un an, je me suis presque évanoui. Lorsque je suis allé à la banque, ils m'ont proposé un type de compte qui ne facture pas la maintenance de la carte de débit mais les retraits aux guichets automatiques. Depuis, je ne fais qu'un seul prélèvement par mois et je suis libéré des frais d'entretien mensuels.
21. Louez une chambre dans votre maison, le garage ou votre voiture.
22. Partagez votre voiture avec d'autres personnes et facturez le "tarif".

Économisez de l'argent sur les achats :


23. Évitez de magasiner en saison. Achetez avant ou après des dates spéciales pour profiter des remises, des mauvaises décisions de dernière minute, de la foule et du stress général.
24. Si vous allez acheter quelque chose dont vous avez besoin, recherchez les promotions ou les dates de remise. Vous pouvez également utiliser des coupons.
25. N'achetez pas lorsque vous êtes stressé, inquiet ou contrarié simplement parce que vous vous sentez mieux.
26. Comparez toujours les prix et n'achetez pas au premier endroit que vous voyez.
27. Achat au comptant. Ne payez pas en plusieurs fois ou par carte de crédit. De plus, vous pouvez bénéficier d'une réduction si vous payez en espèces.
28. Si vous préférez payer avec votre carte de crédit les points ou miles que vous accumulez, effectuez vos achats en une seule fois afin de ne pas perdre d'argent en intérêts.
29. Achetez dans les magasins en ligne. Certains sont moins chers. Ils vous font gagner du temps, du stress, et vous permettent d'être tentés d'acheter ce dont vous n'avez pas besoin.

Économisez de l'argent sur la nourriture :


30. En fonction de votre menu hebdomadaire, ayez une liste de courses. Ne sortez jamais sans votre liste : vous finirez par acheter ce dont vous n'avez pas besoin et aller plusieurs fois au supermarché.
31. N'allez pas au supermarché pour juste un article ou deux parce que vous finissez par acheter sur un coup de tête ou sur un coup de tête ce dont vous n'avez pas besoin.
32. Mangez des aliments plus naturels et moins transformés.
33. Évitez les fast-foods et mangez constamment au restaurant.
34. Prévoyez ce que vous mangez à la maison et à l'extérieur.
35. Trouvez le supermarché le moins cher de votre région. Personnellement, je préfère les places de marché car leurs produits sont moins chers (car il y a moins d'intermédiaires et les loyers payés par les locaux y sont moins élevés).
36. Mangez moins de viande et plus de protéines végétales. Les légumineuses (haricots, lentilles, pois chiches, pois, etc.) sont une excellente protéine si vous les combinez avec une céréale (riz, flocons d'avoine, quinoa, etc.)
37. Congelez immédiatement vos restes pour n'importe quel autre jour (que vous ne voulez pas cuisiner).
38. Si vous avez une famille nombreuse, essayez d'acheter en grande quantité ou là où ils vendent en gros.
39. Si vous devez manger au travail, emballez votre nourriture pour le déjeuner ou les collations.

Économisez sur les loisirs :


40. Téléchargez des livres gratuits sur Internet.
41. Visitez la bibliothèque la plus proche et lisez leurs livres.
42. Allez au cinéma les jours de réduction.
43. Si vous aimez l'alcool, cherchez l'Happy Hour dans vos bars préférés.
44. Assistez à des événements culturels gratuits dans votre ville tels que des expositions d'art, des concerts ou des visites.
45. Faites une promenade écologique ou à vélo dans les espaces verts de votre ville.
46. Laissez tomber la télévision par câble. Rendez-vous sur Netflix (zéro publicité) ou consacrez-vous à la lecture.
47. Transformez votre passe-temps en entreprise : vendez votre artisanat ; conseille les autres sur la façon de bien s'habiller; jouer de la guitare dans les bars locaux, etc.
48. Partir en vacances ou visiter des sites touristiques en basse saison.
49. Organisez un repas-partage avec vos amis. Chaque personne doit apporter une assiette pour tous les convives.

Économisez sur la beauté :


50. Achetez des marques génériques. Certains offrent les mêmes avantages que les produits maracas coûteux.
51. Utilisez des produits plus naturels. La cuisine est une grande source de produits de beauté puisque votre peau est une seconde bouche.
52. Achetez un grand pot d'huile de noix de coco vierge. Il sert de traitement capillaire, de crème pour le corps, les mains et le visage, de crème épilatrice, de démaquillant, de lubrifiant intime, de crème pour les éruptions cutanées ainsi qu'en cuisine.
53. Faites un spa à la maison avec des produits naturels.
54. Faites votre manucure et pédicure à la maison.

Économisez avec des personnes :


55. Éloignez-vous des personnes qui vous motivent à dépenser juste pour satisfaire le plaisir du moment. Au lieu de cela, entourez-vous de personnes qui partagent vos intérêts et qui comprennent vos priorités.
56. Discutez de vos objectifs d'épargne avec les personnes les plus importantes et les plus proches de vous.
57. Parlez à votre partenaire et à vos enfants de l'importance d'épargner et fixez-vous des objectifs ensemble.
58. Si vous avez des enfants et que vous sortez avec eux, expliquez-leur avant de quitter la maison qu'ils ne vont pas faire les courses et quel est le but de la sortie. Lorsque vous préparerez votre fils à ce qui s'en vient, il saura plus clairement comment il doit se comporter (je vous l'ai dit, j'étais institutrice). N'oubliez pas de ne pas céder à sa crise de colère et de lui parler constamment de la différence entre le luxe et les nécessités.
59. Passez plus de temps avec vos enfants au lieu d'acheter plus de jouets ou d'appareils électroniques pour compenser votre présence.
60. Avoir des rendez-vous libres avec votre partenaire : un verre de vin en regardant les étoiles, une promenade dans la ville, une nuit de massages, etc.

Économisez de l'argent Minimalisme :


61. Achetez ce dont vous avez besoin et vous allez vraiment l'utiliser. Donnez à ce que vous achetez une durée de vie au lieu de simplement acheter.
62. Échangez des objets tels que des livres, de la musique, des accessoires ou des vêtements que vous n'utilisez pas avec vos connaissances ou amis.
63. Achetez des produits de bonne qualité qui durent longtemps.
64. Avoir un placard combinable . Manipulez certains vêtements de base. Cela vous fera gagner du temps et de l'argent lorsque vous vous habillerez.
65. Ayez le moins d'appareils et d'objets possibles à la maison. Tenez-vous en à ceux qui sont utiles à diverses fins.
66. Vivez dans un endroit plus petit, surtout si vous vivez seul ou avec un partenaire.
67. Gardez votre maison bien rangée et exempte d'objets inutiles et vous n'aurez pas besoin de payer quelqu'un d'autre pour la nettoyer.
68. Réparez les objets ou les vêtements qui fonctionnent encore au lieu de vous précipiter pour acheter quelque chose de nouveau.
69. Pensez que ce que vous avez ne vous définit pas. Il aspire à être au lieu d'avoir.

Économisez de l'argent


70. Analysez ce qui vous rend heureux. Vous verrez comment vos dépenses sont réduites.
71. Vivez en bonne santé et faites de l'exercice fréquemment. Cela vous fait économiser de l'argent sur les traitements médicaux et concentre votre esprit sur le positif.
72. Soyez très clair sur le fait que cela figure sur votre liste de besoins et de désirs.
73. Écrivez ce que vous voulez faire avec votre argent et comment vous voulez en tirer le meilleur parti. Lorsque votre objectif est clair, vous économisez sur des dépenses inutiles et non conformes à votre projet de vie.
74. Éteignez le téléviseur, cela réduit le temps d'exposition aux publicités et à toutes sortes de déclencheurs d'achat.
75. Réunissez-vous à la maison avec des amis, au lieu de sortir fréquemment.
76. Ne vous comparez pas aux autres. Ce n'est pas parce que quelqu'un a plus que vous qu'il est plus heureux ou qu'il vit mieux. Il y aura toujours quelqu'un qui aura moins ou plus que vous.
77. Chaque week-end, planifiez vos dépenses pour les sept prochains jours.
78. Vérifiez votre budget en permanence.
79. Vérifiez vos factures de services publics et bancaires en cas d'erreurs ou de frais excessifs pour des dépenses que vous n'avez pas liées.
80. Conservez les factures à payer dans un endroit visible et ordonné afin de ne pas oublier de les payer à temps.
81. Utilisez une tirelire pour enregistrer la monnaie ou les virages. Vous serez surpris de voir combien vous pouvez économiser.
82. Avant d'acheter, demandez-vous : en ai-je besoin ou en ai-je envie ? Ai-je quelque chose de similaire à la maison qui remplit la même fonction ?
83. Pensez positivement à l'argent, ayez confiance que vous pouvez faire partie de l'abondance qui existe dans l'univers.
84. Lorsque vous obtenez de l'argent supplémentaire, économisez-le au lieu de vous précipiter pour le dépenser.
85. Coupez vos mauvaises habitudes comme fumer, boire, acheter à la loterie ou toute dépendance que vous avez.

En savoir plus sur la gestion de votre argent :


86. En savoir plus sur les finances personnelles.
87. Écoutez, lisez et parlez à des personnes qui savent bien gérer leur argent.
88. Visitez votre banque et renseignez-vous sur les différents comptes d'épargne qu'ils ont et comment vous pouvez gagner de l'argent avec eux.
89. Automatisez le paiement de vos factures et ce que vous pouvez d'autre pour qu'elles soient déduites de votre compte bancaire.
90. Rejoignez des groupes Facebook dont le thème est en train d'enregistrer.

Économisez de l'argent avec l'assurance :


91. Avoir une bonne santé et une assurance automobile. En cas d'urgence, vous n'aurez pas à sacrifier vos économies ou à vous endetter.

Économisez de l'argent avec les dettes :


92. Cherchez à refinancer vos dettes et obtenez un taux d'intérêt inférieur. Vous pouvez également regrouper toutes vos dettes bancaires en une seule pour économiser de l'argent, gagner du temps et créer des facilités de paiement.
93. Rembourser rapidement les petites dettes. Ensuite, l'argent que vous y avez utilisé, utilisez-le pour payer vos dettes importantes.
94. Ou pour votre plus grosse dette d'abord puisque vous économisez de l'argent sur les intérêts.

Économisez de l'argent avec les taxes :


95. Payez vos impôts à temps pour éviter de facturer des intérêts. Lorsque vous payez avant la date limite, vous pouvez bénéficier d'une réduction.

Économisez de l'argent avec la technologie :


96. Téléchargez l'éditeur de documents à partir de Google Drive au lieu de payer pour Microsoft.
97. Achetez des appareils technologiques en fonction de vos besoins, pas des méga-machines que vous utilisez uniquement pour surfer sur Internet.

Économisez de l'argent avec la maison :


98. Ne pas avoir 20 articles de toilette à la maison. Avoir un multi-usage, du vinaigre ou de l'eau de Javel suffisent
99. L'assouplissant n'est pas nécessaire. Choisissez mieux votre lessive, c'est suffisant.
100. Entretenez correctement vos appareils.

100 Tips to Save Money Every Day

100 Tips to Save Money Every Day


Being able to save money month after month is a habit that you must forge if you want to have a successful finances. In fact, saving is the first step to financial freedom.

There are many ways to start saving without necessarily sacrificing yourself. It's more about adapting to a more conscious consumerism, keeping our financial priorities clear.

The way we spend is a reflection of our values and what we consider important in our lives. If you are clear that you buy your money for real, making cuts to save should not be a problem. Cut back on what you feel does not make you happy or is of no use in your life.

There are many ways to start saving depending on your life priority, which is why I have divided these saving tips into categories to make it easier for you to decide where you want to start saving.

Budget to save:



1. Always have a budget for each month. A budget is the way to tell your money where it should go before you start spending it.
2. Let savings be the first thing that is debited from your salary. Automate this payment each month with your savings account.
3. Set a clear , short-term goal. Go month to month. Here I show you how to establish your savings plan.
4. Start by saving a small amount. They can be $ 10 or $ 20. The important thing is to create the habit . A good system is the 52-week challenge, where you start saving a small amount of money and gradually increase the amount.
5. Create a savings system that works for you. You have your own particular way of doing things, different from others. Try the savings method that suits your personality first and see if it works over the course of a month.
6. Don't save to save, save because you plan to do something with your money. When you have your plan, call it "saving for ...": studying, traveling, paying debts, etc.
7. Always have a shopping list with you to avoid buying what you don't need. Sometimes your memory plays bad pasts on you so always write what you are going to buy. Organize that list in order of importance, first what you need most and then what you can expect. This will allow you to be more aware of your priorities when it comes to spending, postpone purchases that are not urgent and distribute your money in a more equitable way. Important tip: buy only what is on your list.
8. Pay in cash . If you have a credit card, don't go out with it. Cards in general create the illusion of not losing money. When you pay in cash you really see how the money goes out of your hands so it is easier to control expenses.
9. Limit the temptation to spend out of your budget with an allowance. Allocate a percentage of your salary to spend on what you like, either weekly or monthly, in this way you enjoy but without harming your finances.

Create a challenge to spend less:


10. Create a month without expenses, I mean a month where you only spend what is necessary.
11. If you find it too difficult, try weekends or entire weeks at no cost.
12. Choose a certain product that you are not going to buy for a certain time. If you are a compulsive person to buy something, then start this challenge. The money you spent on it you can save.
13. Postpone your shopping. If you're really tempted to buy something, save it for another day or apply the 48-hour rule. You will discover that after this time you have forgotten or you have lost the desire. With this you learn to control your emotions and do not allow them to control your decisions. It's like when you have a fight with your partner and in order not to offend her, you prefer to speak when the mood has calmed down.
14. Stay away from your spending triggers. Cancel your subscription from all the places or web pages that encourage you to buy. Delete your username and password and the history of the page.
15. Reduce your time on social networks as they encourage you to copy other people's lifestyle and ambition more than you need. If you did my challenge for a month without expenses, you would realize how little you need to be happy.
16. Reduce your cell phone plan.

Make more money:


17. Try to earn more money. The best way to grow your savings is by generating more income. You can start by selling items you don't use, working overtime, renting a room in your house or giving private lessons. There are many options, choose the one you like the most.
18. Stop accumulating items and sell what you no longer use. Having more stuff doesn't make you richer. Sell the clothes, appliances and belongings that you do not use.
19. Negotiate the prices of what you buy. In our Latino culture it is a normal habit. Don't feel sorry and offer a lower price, any discount is a sweetheart for your wallet.
20. Check your bank accounts and see what extra expenses your bank is making. If you see that your type of account charges you too much, find out how another type of account you can have or how you can reduce these charges. For example, when reviewing what they charged me in a year I almost fainted. When I went to the bank, they offered me a type of account that does not charge for debit card maintenance but for ATM withdrawals. Since then I make only one withdrawal per month and I have been freed from monthly maintenance costs.
21. Rent a room in your house, the garage or your car.
22. Share your car with other people and charge the "fare".

Save money on purchases:


23. Avoid shopping in season. Shop before or after special dates to take advantage of discounts, bad last-minute decisions, crowds and overall stress.
24. If you are going to buy something you need, look for promotions or discount dates. You can also use coupons.
25. Don't buy when you're under stress, worried, or upset just because you feel better.
26. Always compare prices and don't buy in the first place you see.
27. Cash purchase. Do not pay in installments or using the credit card. In addition, you can receive a discount for paying in cash.
28. If you prefer to pay with your credit card for the points or miles you accumulate, make purchases at a single installment so as not to lose money on interest.
29. Buy in online stores. Some are cheaper. They save you time, stress, being tempted to buy what you don't need.

Save money on food:


30. Based on your weekly menu, have a shopping list. Never go out without your list: you will end up buying what you don't need and going to the supermarket many times.
31. Don't go to the supermarket for just an item or two because you end up buying on impulse or on a whim what you don't need.
32. Eat more natural and less processed foods.
33. Avoid fast foods and constantly eat at restaurants.
34. Budget what you eat at home and outside.
35. Find the cheapest supermarket in your area. Personally, I prefer market places because their products are cheaper (since there are fewer intermediaries and the rents paid by locals there are lower).
36. Eat less meat and more plant protein. Legumes (beans, lentils, chickpeas, peas, etc.) are a great protein if you combine it with a cereal (rice, oatmeal, quinoa, etc.)
37. Immediately freeze your leftovers for any other day (that you don't want to cook).
38. If you have a large family, try to buy in large quantities or where they sell wholesale.
39. If you must eat at work, pack your food either lunch or snacks.

Save Money on hobbies:


40. Download free books on the internet.
41. Visit the nearest library and read their books.
42. Go to the movies on discount days.
43. If you like liquor, look for Happy Hour at your favorite bars.
44. TAttend free cultural events in your city such as art exhibitions, concerts, or tours.
45. Go on an ecological walk or bike through the green areas of your city.
46. Drop cable TV. Head over to Netflix (zero commercials) or dedicate yourself to reading more.
47. Turn your hobby into a business: sell your crafts; advises others on how to dress well; play your guitar in local bars etc.
48. Go on vacation or visit tourist sites in low season.
49. Make a potluck with your friends. Each person must bring a plate for all the guests.

Save Money on Beauty:


50. Buy generic brands. Some offer the same benefits as expensive maraca products.
51. Use more natural products. The kitchen is a great source of beauty products since your skin is a second mouth.
52. Buy a large jar of virgin coconut oil. It serves as a hair treatment, cream for the body, hands and face, epilator cream, makeup remover, intimate lubricant, cream for breakouts as well as being used in the kitchen.
53. Make a spa at home with natural products.
54. Do your manicure and pedicure at home.


Save Money with People:


55. Stay away from people who motivate you to spend just to satisfy the pleasure of the moment. Instead, surround yourself with people who share your interests and who understand your priorities.
56. Discuss your savings goals with the most important and closest people to you.
57. Talk to your partner and children about the importance of saving and set goals together.
58. If you have children and you go out with them, explain to them before leaving home that they are not going shopping and what is the purpose of the outing.
When you prepare your son for what is coming, he will be more clear about how he should behave (I told you, I was a primary school teacher). Remember not to give in to his tantrum and constantly talk to him about the difference between luxuries and necessities.
59. Spend more time with your children instead of buying more toys or electronics to compensate for your presence.
60. Have free dates with your partner: a glass of wine watching the stars, a walk through the city, a night of massages, etc.

Save money Minimalism:


61. Buy what you need and you are really going to use it. Give what you buy a shelf life instead of just buying.
62. Exchange objects such as books, music, accessories or clothes that you do not use with your acquaintances or friends.
63. Buy good quality products that last a long time.
64. Have a combinable closet . Handle certain basic clothes. This will save you money and time when dressing.
65. Have as few appliances and objects at home as possible. Stick with those that are useful for various purposes.
66. Live in a smaller place, especially if you live alone or with a partner.
67. Keep your house tidy and free of unnecessary objects and you won't need to pay someone else to clean it.
68. Repair the objects or clothes that still work instead of rushing out to buy something new.
69. Think that what you have does not define you . He aspires to be instead of having.

Save Money Habits:


70. Analyze what makes you happy. You will see how your expenses are reduced.
71. Live healthy and exercise frequently. It saves you money on medical treatments and focuses your mind on the positive.
72. Be very clear that it is on your list of needs and wants.
73. Write what you want to do with your money and how you want to get the most out of it. When you have your goal clear, you save on useless expenses that are not in accordance with your life project.
74. Turn off the TV , this reduces the time exposed to commercials and all kinds of shopping triggers.
75. Get together at home with friends, instead of going out frequently.
76. Do not compare yourself with others. Just because someone has more than you does not mean that they are happier or live better. There will always be someone who has less or more than you.
77. Every weekend, schedule your expenses for the next seven days.
78. Check your budget constantly.
79. Check your utility and bank invoices in case of errors or excessive charges for expenses that you have not related.
80. Keep the bills to pay in a visible and orderly place so you don't forget to pay them on time.
81. Use a piggy bank to save change or turns. You will be surprised at how much you can save.
82. Before buying ask yourself: Do I need it or want it? Do I have something similar at home that fulfills the same function?
83. Think positive about money , trust that you can be part of the abundance that exists in the universe.
84. When you get extra money , save it instead of rushing out to spend it.
85. Cut your bad habits like smoking, drinking, buying the lottery or any addiction you have.

Learn about managing your money:


86. Read more about personal finance.
87. Listen, read, and talk to people who are good at handling their money.
88. Visit your bank and ask about the different savings accounts they have and how you can earn some money with them.
89. Automate the payment of your invoices and what else you can so that they are deducted from your bank account.
90. Join Facebook groups whose theme is saving.

Save Money with Insurance:


91. Have good health and car insurance. When emergencies come, you won't have to sacrifice your savings or go into debt.

Save Money with Debts:


92. Seek to refinance your debts and achieve a lower interest . You can also collect all your bank debts in one to save money, reduce time and create payment facilities.
93. Pay off small debts quickly. Then, the money you used in them, use it to pay your major debts.
94. Or for your biggest debt first since you save money on interest.

Save Money with Taxes:


95. Pay your taxes on time to avoid charging interest. When you pay before the deadline you can earn a discount.

Save Money with Technology:


96. Download document editor from google drive instead of paying for Microsoft.
97. Buy technological devices according to your needs, not mega machines that you only use to surf the internet.

Save Money with Home:


98. Don't have 20 toiletries at home. Have a multipurpose one, vinegar or bleach are enough
99. Fabric softener is not necessary. Choose your laundry soap better, it is enough.
100. Maintain your appliances properly.

100 tips til at spare penge hver dag

100 tips til at spare penge hver dag


At kunne spare penge måned efter måned er en vane, som du skal smede, hvis du vil have en vellykket økonomi. Faktisk er besparelse det første skridt til økonomisk frihed.

Der er mange måder at begynde at spare på uden nødvendigvis at ofre dig selv. Det handler mere om at tilpasse sig en mere bevidst forbrugerisme og holde vores økonomiske prioriteter klare.

Den måde, vi bruger på, er en afspejling af vores værdier, og hvad vi anser for vigtigt i vores liv. Hvis du er klar over, at du køber dine penge for alvor, bør det ikke være et problem at lave nedskæringer for at spare. Skær ned på det, du føler, gør dig ikke glad eller nytter ikke noget i dit liv.

Der er mange måder at begynde at spare på afhængigt af din livsprioritet, og derfor har jeg opdelt disse sparetip i kategorier for at gøre det lettere for dig at beslutte, hvor du vil begynde at spare.

Budget at spare:


1. Hav altid et budget for hver måned. Et budget er en måde at fortælle dine penge, hvor de skal gå, før du begynder at bruge dem.
2. Lad opsparing være det første, der debiteres din løn. Automatiser denne betaling hver måned med din opsparingskonto.
3. Sæt et klart, kortsigtet mål. Gå måned til måned. Her viser jeg dig, hvordan du opretter din opsparingsplan.
4. Start med at spare et lille beløb. De kan være $ 10 eller $ 20. Det vigtige er at skabe vanen. Et godt system er 52-ugers udfordringen, hvor du begynder at spare et lille beløb og gradvist øger beløbet.
5. Opret et besparelsessystem, der fungerer for dig. Du har din egen særlige måde at gøre ting på, anderledes end andre. Prøv først den opsparingsmetode, der passer til din personlighed, og se, om den virker i løbet af en måned.
6. Spar ikke for at spare, spar fordi du planlægger at gøre noget med dine penge. Når du har din plan, skal du kalde den "besparelse for ...": at studere, rejse, betale gæld osv.
7. Hav altid en indkøbsliste med dig for at undgå at købe det, du ikke har brug for. Nogle gange spiller din hukommelse dårlige fortid på dig, så skriv altid, hvad du vil købe. Organiser denne liste i rækkefølge efter betydning, først hvad du har mest brug for og derefter hvad du kan forvente. Dette giver dig mulighed for at være mere opmærksom på dine prioriteter, når det kommer til udgifter, udsætte køb, der ikke er presserende, og fordele dine penge på en mere retfærdig måde. Vigtigt tip: køb kun det, der er på din liste.
8. Betal kontant. Hvis du har et kreditkort, skal du ikke gå ud med det. Kort generelt skaber en illusion om ikke at miste penge. Når du betaler kontant, ser du virkelig, hvordan pengene går ud af dine hænder, så det er lettere at kontrollere udgifterne.
9. Begræns fristelsen til at bruge ud af dit budget med en godtgørelse. Tildel en procentdel af din løn til at bruge på det, du godt kan lide, enten ugentligt eller månedligt, på denne måde, du nyder, men uden at skade din økonomi.

Opret en udfordring for at bruge mindre:


10. Opret en måned uden udgifter, jeg mener en måned, hvor du kun bruger det nødvendige.
11. Hvis du synes det er for svært, kan du prøve weekender eller hele uger uden omkostninger.
12. Vælg et bestemt produkt, som du ikke kommer til at købe i et bestemt tidspunkt. Hvis du er en tvangsperson til at købe noget, så start denne udfordring. De penge, du har brugt på det, kan du spare.
13. Udskyd din shopping. Hvis du virkelig er fristet til at købe noget, skal du gemme det til en anden dag eller anvende 48-timers reglen. Du vil opdage, at du efter denne tid har glemt, eller du har mistet lysten. Med dette lærer du at kontrollere dine følelser og ikke tillade dem at kontrollere dine beslutninger. Det er ligesom når du har en kamp med din partner og for ikke at fornærme hende foretrækker du at tale, når stemningen er faldet til ro.
14. Hold dig væk fra dine udgiftsudløsere. Opsig dit abonnement fra alle de steder eller websider, der opfordrer dig til at købe. Slet dit brugernavn og din adgangskode og historikken på siden.
15. Reducer din tid på sociale netværk, da de opfordrer dig til at kopiere andres livsstil og ambition mere end du har brug for. Hvis du gjorde min udfordring i en måned uden udgifter, ville du indse, hvor lidt du har brug for at være glad.
16. Reducer din mobiltelefonabonnement.

Tjen flere penge:


17. Prøv at tjene flere penge. Den bedste måde at øge din opsparing på er ved at generere flere indtægter. Du kan starte med at sælge varer, du ikke bruger, arbejde overarbejde, leje et værelse i dit hus eller give privatundervisning. Der er mange muligheder, vælg den du bedst kan lide.
18. Stop med at samle genstande, og sælg det, du ikke længere bruger. At have flere ting gør dig ikke rigere. Sælg det tøj, apparater og ejendele, du ikke bruger.
19. Forhandle priserne på det, du køber. I vores latino -kultur er det en normal vane. Vær ikke ked af det og tilbud en lavere pris, enhver rabat er en kæreste til din pengepung.
20. Tjek dine bankkonti, og se, hvilke ekstraudgifter din bank laver. Hvis du ser, at din kontotype opkræver dig for meget, skal du finde ud af, hvordan du kan have en anden type konto, eller hvordan du kan reducere disse gebyrer. For eksempel, da jeg gennemgik, hvad de debiterede mig på et år, besvimede jeg næsten. Da jeg gik til banken, tilbød de mig en konto, der ikke opkræver betaling for betalingskortvedligeholdelse, men for hævninger i pengeautomater. Siden da foretager jeg kun en tilbagetrækning om måneden, og jeg er blevet fri for månedlige vedligeholdelsesomkostninger.
21. Lej et værelse i dit hus, garagen eller din bil.
22. Del din bil med andre mennesker og opkræv "billetprisen".

Spar penge på køb:


23. Undgå at shoppe i sæsonen. Køb før eller efter særlige datoer for at drage fordel af rabatter, dårlige beslutninger i sidste øjeblik, skarer og generel stress.
24. Hvis du vil købe noget, du har brug for, skal du kigge efter tilbud eller rabatdatoer. Du kan også bruge kuponer.
25. Køb ikke, når du er under stress, bekymret eller ked af det, bare fordi du har det bedre.
26. Sammenlign altid priser og køb ikke i første omgang, du ser.
27. Kontantkøb. Betal ikke i rater eller med kreditkort. Derudover kan du få rabat ved kontant betaling.
28. Hvis du foretrækker at betale med dit kreditkort for de point eller miles, du samler, skal du foretage køb på en enkelt rate for ikke at miste penge på renter.
29. Køb i netbutikker. Nogle er billigere. De sparer dig tid, stress, bliver fristet til at købe, hvad du ikke har brug for.

Spar penge på mad:


30. Hav en indkøbsliste baseret på din ugentlige menu. Gå aldrig ud uden din liste: du vil ende med at købe det, du ikke har brug for, og gå til supermarkedet mange gange.
31. Gå ikke i supermarkedet for bare en vare eller to, fordi du ender med at købe på impuls eller på et indfald, hvad du ikke har brug for.
32. Spis mere naturlig og mindre forarbejdet mad.
33. Undgå fastfood og spis konstant på restauranter.
34. Budget hvad du spiser hjemme og ude.
35. Find det billigste supermarked i dit område. Personligt foretrækker jeg markedspladser, fordi deres produkter er billigere (da der er færre mellemmænd og huslejen betalt af lokalbefolkningen der er lavere).
36. Spis mindre kød og mere planteprotein. Bælgfrugter (bønner, linser, kikærter, ærter osv.) Er et godt protein, hvis du kombinerer det med et korn (ris, havregryn, quinoa osv.)
37. Frys straks dine rester til enhver anden dag (som du ikke vil lave mad).
38. Hvis du har en stor familie, så prøv at købe i store mængder, eller hvor de sælger engros.
39. Hvis du skal spise på arbejde, skal du pakke din mad enten frokost eller snacks.

Spar på hobbyer:


40. Download gratis bøger på internettet.
41. Besøg det nærmeste bibliotek og læs deres bøger.
42. Gå i biografen på rabatdage.
43. Hvis du kan lide spiritus, skal du kigge efter Happy Hour på dine yndlingsbarer.
44. TA Deltag i gratis kulturbegivenheder i din by, f.eks. Kunstudstillinger, koncerter eller ture.
45. Gå en økologisk tur eller cykel gennem de grønne områder i din by.
46. Drop kabel -tv. Gå over til Netflix (nul reklamer) eller dediker dig til at læse mere.
47. Gør din hobby til en forretning: sælg dit kunsthåndværk; rådgiver andre om, hvordan man klæder sig godt på; spille din guitar i lokale barer osv.
48. Tag på ferie, eller besøg turiststeder i lavsæsonen.
49. Lav en potluck med dine venner. Hver person skal medbringe en tallerken til alle gæsterne.

Spar på skønhed:


50. Køb generiske mærker. Nogle tilbyder de samme fordele som dyre maraca -produkter.
51. Brug flere naturlige produkter. Køkkenet er en stor kilde til skønhedsprodukter, da din hud er en anden mund.
52. Køb en stor krukke jomfru kokosolie. Det fungerer som hårbehandling, creme til krop, hænder og ansigt, epilatorcreme, makeupfjerner, intimt smøremiddel, creme til udbrud samt bruges i køkkenet.
53. Lav en spa derhjemme med naturlige produkter.
54. Gør din manicure og pedicure hjemme.

Gem med mennesker:


55. Hold dig væk fra mennesker, der motiverer dig til at bruge bare for at tilfredsstille øjeblikkets fornøjelse. Omring dig i stedet med mennesker, der deler dine interesser, og som forstår dine prioriteter.
56. Diskuter dine besparelsesmål med de vigtigste og nærmeste mennesker til dig.
57. Tal med din partner og børn om vigtigheden af ​​at spare og sæt mål sammen.
58. Hvis du har børn, og du går ud med dem, skal du forklare dem, inden de forlader hjemmet, at de ikke går på indkøb, og hvad formålet er med udflugten. Når du forbereder din søn på det, der kommer, vil han være mere klar over, hvordan han skal opføre sig (jeg fortalte dig, jeg var en folkeskolelærer). Husk ikke at give efter for hans raserianfald og konstant tale med ham om forskellen mellem luksus og fornødenheder.
59. Brug mere tid sammen med dine børn i stedet for at købe mere legetøj eller elektronik for at kompensere for din tilstedeværelse.
60. Få gratis date med din partner: et glas vin og se stjernerne, en tur gennem byen, en nat med massage osv.

Spar penge Minimalisme:
61. Køb hvad du har brug for, og du kommer virkelig til at bruge det. Giv det, du køber, en holdbarhed i stedet for bare at købe.
62. Udveksle genstande som bøger, musik, tilbehør eller tøj, som du ikke bruger sammen med dine bekendte eller venner.
63. Køb produkter af god kvalitet, der holder længe.
64. Hav et kombinerbart skab. Håndter visse basistøj. Dette vil spare dig penge og tid, når du klæder dig på.
65. Hav så få apparater og genstande hjemme som muligt. Hold dig til dem, der er nyttige til forskellige formål.
66. Bor et mindre sted, især hvis du bor alene eller sammen med en partner.
67. Hold dit hus ryddeligt og fri for unødvendige genstande, og du behøver ikke betale en anden for at rengøre det.
68. Reparer de genstande eller tøj, der stadig virker i stedet for at skynde dig ud for at købe noget nyt.
69. Tænk på, at det du har ikke definerer dig. Han stræber efter at være i stedet for at have.

Spar penge vaner:
70. Analyser, hvad der gør dig glad. Du vil se, hvordan dine udgifter reduceres.
71. Lev sundt og dyrk motion ofte. Det sparer dig penge på medicinske behandlinger og fokuserer dit sind på det positive.
72. Vær meget tydelig på, at det er på din liste over behov og ønsker.
73. Skriv hvad du vil gøre med dine penge, og hvordan du vil have mest muligt ud af dem. Når du har dit mål klart, sparer du på ubrugelige udgifter, der ikke er i overensstemmelse med dit livsprojekt.
74. Sluk for fjernsynet, dette reducerer den tid, der udsættes for reklamer og alle former for shoppingudløsere.
75. Kom sammen hjemme med venner, i stedet for at gå ofte ud.
76. Må ikke sammenligne dig selv med andre. Bare fordi nogen har mere end dig, betyder det ikke, at de er lykkeligere eller lever bedre. Der vil altid være nogen, der har mindre eller mere end dig.
77. Planlæg dine udgifter hver weekend for de næste syv dage.
78. Tjek dit budget konstant.
79. Kontroller din nytteværdi og bankfakturaer i tilfælde af fejl eller overdrevne gebyrer for udgifter, som du ikke har relateret til.
80. Opbevar regningerne til at betale på et synligt og velordnet sted, så du ikke glemmer at betale dem til tiden.
81. Brug en sparegris til at gemme ændringer eller vendinger. Du vil blive overrasket over, hvor meget du kan spare.
82. Spørg dig selv, før du køber: Har jeg brug for det eller vil jeg have det? Har jeg noget lignende derhjemme, der opfylder den samme funktion?
83. Tænk positivt om penge, stol på, at du kan være en del af den overflod, der findes i universet.
84. Når du får ekstra penge, skal du gemme dem i stedet for at skynde dig ud for at bruge dem.
85. Skær dine dårlige vaner som at ryge, drikke, købe lotteri eller enhver afhængighed, du har.

Lær mere om at styre dine penge:


86. Læs mere om personlig økonomi.
87. Lyt, læs og tal med folk, der er gode til at håndtere deres penge.
88. Besøg din bank, og spørg om de forskellige opsparingskonti, de har, og hvordan du kan tjene nogle penge med dem.
89. Automatiser betalingen af dine fakturaer og hvad du ellers kan, så de trækkes fra din bankkonto.
90. Deltag i Facebook -grupper, hvis tema er at gemme.

Spar penge med forsikring:
91. Hav en god sundheds- og bilforsikring. Når nødsituationer kommer, behøver du ikke ofre din opsparing eller gå i gæld.

Spar penge med gæld:


92. Søg at refinansiere din gæld og opnå en lavere rente. Du kan også samle alle dine bankgæld i én for at spare penge, reducere tid og oprette betalingsfaciliteter.
93. Betal hurtigt små gæld af. Derefter bruger du de penge, du brugte i dem, til at betale din større gæld.
94. Eller for din største gæld først, siden du sparer penge på renter.

Spar penge med skatter:


95. Betal dine skatter til tiden for at undgå at opkræve renter. Når du betaler inden fristen, kan du optjene en rabat.

Spar penge med teknologi:


96. Download dokumenteditor fra Google Drive i stedet for at betale for Microsoft.
97. Køb teknologiske enheder i henhold til dine behov, ikke megamaskiner, som du kun bruger til at surfe på internettet.

Spar penge med hjemmet:


98. Har ikke 20 toiletartikler derhjemme. Har en multifunktionel, eddike eller blegemiddel er nok.
99. Skyllemiddel er ikke nødvendigt. Vælg din vasketøjssæbe bedre, det er nok.
100. Vedligehold dine apparater korrekt.

100 wenke om elke dag geld te bespaar

100 wenke om elke dag geld te bespaar


Dit is 'n gewoonte om maandeliks geld te spaar as u suksesvol wil wees. Besparing is eintlik die eerste stap na finansiële vryheid.

Daar is baie maniere om te begin spaar sonder om jouself noodwendig op te offer. Dit gaan meer daaroor om aan te pas by 'n meer bewuste verbruiker, om ons finansiële prioriteite duidelik te hou.

Die manier waarop ons spandeer, weerspieël ons waardes en wat ons as belangrik in ons lewens ag. As u duidelik weet dat u geld regtig koop, behoort besnoeiings nie 'n probleem te wees nie. Besnoeiing aan wat u voel, maak u nie gelukkig of het geen nut in u lewe nie.

Afhangende van u lewensprioriteit, is daar baie maniere om te begin spaar, en daarom het ek hierdie wenke in kategorieë ingedeel om dit makliker te maak om te besluit waar u wil begin spaar.

Begroting om te bespaar:


1. Het altyd 'n begroting vir elke maand. 'N Begroting is 'n manier om u geld te vertel waarheen dit moet gaan voordat u dit begin bestee.
2. Laat spaargeld die eerste ding wees wat van u salaris afgetrek word. Outomatiseer hierdie betaling elke maand met u spaarrekening.
3. Stel 'n duidelike, korttermyndoelwit. Gaan maand tot maand. Hier wys ek u hoe u u spaarplan kan opstel.
4. Begin deur 'n klein hoeveelheid te bespaar. Hulle kan $ 10 of $ 20 beloop. Die belangrikste ding is om die gewoonte te skep. 'N Goeie stelsel is die uitdaging van 52 weke, waar u 'n klein hoeveelheid geld begin bespaar en die bedrag geleidelik verhoog.
5. Skep 'n spaarstelsel wat vir u werk. U het u eie manier van dinge doen, anders as ander. Probeer eers die besparingsmetode wat by u persoonlikheid pas, en kyk of dit in die loop van 'n maand werk.
6. Moenie spaar om te spaar nie, spaar omdat u van plan is om iets met u geld te doen. As u u plan het, noem dit 'spaar vir ...': studeer, reis, skuld betaal, ens.
7. Hou altyd 'n inkopielys by u om te voorkom dat u koop wat u nie nodig het nie. Soms speel u geheue slegte dinge oor u, dus skryf altyd wat u gaan koop. Organiseer die lys in volgorde van belangrikheid, eers wat u die nodigste het en dan wat u kan verwag. Dit sal u toelaat om meer bewus te wees van u prioriteite ten opsigte van besteding, aankope wat nie dringend is nie, uit te stel en u geld op 'n meer billike manier te versprei. Belangrike wenk: koop slegs wat op u lys is.
8. Betaal kontant. As u 'n kredietkaart het, moenie daarmee uitgaan nie. Kaartjies in die algemeen skep die illusie dat u nie geld verloor nie. As u kontant betaal, sien u regtig hoe die geld uit u hande gaan, sodat dit makliker is om uitgawes te beheer.
9. Beperk die versoeking om uit u begroting te bestee met 'n toelaag. Ken 'n persentasie van u salaris toe om te bestee aan wat u wil, weekliks of maandeliks, op hierdie manier wat u geniet, maar sonder om u finansies te benadeel.

Skep 'n uitdaging om minder te bestee:


10. Skep 'n maand sonder uitgawes, ek bedoel 'n maand waarin u slegs spandeer wat nodig is.
11. As u dit te moeilik vind, probeer naweke of hele weke gratis.
12. Kies 'n sekere produk wat u nie vir 'n sekere tyd gaan koop nie. As u 'n kompulsiewe persoon is om iets te koop, begin dan met hierdie uitdaging. Die geld wat u daaraan spandeer het, kan u bespaar.
13. Stel jou inkopies uit. As u regtig in die versoeking is om iets te koop, moet u dit vir 'n ander dag stoor of die 48-uur-reël toepas. U sal ontdek dat u na hierdie tyd vergeet het of dat u die begeerte verloor het. Hiermee leer u om u emosies te beheer en laat u nie toe om u besluite te beheer nie. Dit is soos wanneer jy met jou maat baklei en om haar nie aanstoot te gee nie, verkies jy om te praat as die bui bedaar het.
14. Bly weg van u uitgawesnellers. Kanselleer u intekening op al die plekke of webblaaie wat u aanmoedig om te koop. Vee u gebruikersnaam en wagwoord en die geskiedenis van die bladsy uit.
15. Verminder u tyd op sosiale netwerke, aangesien dit u aanmoedig om ander mense se leefstyl en ambisie meer na te dink as wat u nodig het. As u my uitdaging 'n maand lank sonder uitgawes sou doen, sou u besef hoe min u nodig het om gelukkig te wees.
16. Verminder u selfoonplan.

Verdien meer geld:


17. Probeer om meer geld te verdien. Die beste manier om u spaargeld te verhoog, is deur meer inkomste te genereer. U kan begin met die verkoop van items wat u nie gebruik nie, oortyd werk, 'n kamer in u huis huur of privaat lesse gee. Daar is baie opsies, kies die een waarvan u die meeste hou.
18. Hou op om items te versamel en verkoop dit wat u nie meer gebruik nie. Om meer goed te hê, maak jou nie ryker nie. Verkoop die klere, toestelle en besittings wat u nie gebruik nie.
19. Onderhandel oor die pryse van wat jy koop. In ons Latino -kultuur is dit 'n normale gewoonte. Moenie spyt wees nie en bied 'n laer prys; enige afslag is 'n geliefde vir u beursie.
20. Gaan u bankrekeninge na en kyk watter ekstra uitgawes u bank maak. As u sien dat u tipe rekening u te veel hef, moet u uitvind hoe u 'n ander tipe rekening kan hê of hoe u hierdie heffings kan verminder. Byvoorbeeld, as ek kyk na wat hulle my in 'n jaar gevra het, het ek amper flou geval. Toe ek na die bank gaan, bied hulle my 'n tipe rekening aan wat nie betaal word vir die onderhoud van die debietkaart nie, maar vir die onttrekkings van die OTM. Sedertdien maak ek slegs een onttrekking per maand en is ek bevry van maandelikse onderhoudskoste.
21. Huur 'n kamer in u huis, die motorhuis of u motor.
22. Deel jou motor met ander mense en hef die "tarief".

Bespaar geld op aankope:


23. Vermy inkopies in die seisoen. Koop voor of na spesiale datums om voordeel te trek uit afslag, slegte besluite op die laaste oomblik, skares en algehele spanning.
24. As u iets gaan koop wat u benodig, soek promosies of afslagdatums. U kan ook koepons gebruik.
25. Moenie koop as u onder spanning is nie, bekommerd of ontsteld is net omdat u beter voel.
26. Vergelyk altyd pryse en koop nie in die eerste plek wat u sien nie.
27. Kontantaankoop. Moenie in paaiemente of met die kredietkaart betaal nie. Boonop kan u afslag ontvang as u kontant betaal.
28. As u verkies om met u kredietkaart te betaal vir die punte of myl wat u versamel, doen aankope in 'n enkele paaiement om nie geld op rente te verloor nie.
29. Koop in aanlynwinkels. Sommige is goedkoper. Dit bespaar u tyd, spanning, word versoek om te koop wat u nie nodig het nie.

Bespaar geld op kos:


30. Maak 'n inkopielys op grond van u weeklikse spyskaart. Moet nooit sonder u lys uitgaan nie; u sal uiteindelik koop wat u nie nodig het nie en baie keer na die supermark gaan.
31. Moenie na die supermark gaan vir net 'n item of twee nie, want u koop op 'n impuls of in 'n gril wat u nie nodig het nie.
32. Eet meer natuurlike en minder verwerkte voedsel.
33. Vermy kitskos en eet voortdurend by restaurante.
34. Begroot wat u tuis en buite eet.
35. Vind die goedkoopste supermark in u omgewing. Persoonlik verkies ek markplekke omdat hul produkte goedkoper is (aangesien daar minder tussengangers is en die huurgeld wat die inwoners daar betaal, laer is).
36. Eet minder vleis en meer plantproteïene. Peulgewasse (boontjies, lensies, kekerertjies, ertjies, ens.) Is 'n goeie proteïen as jy dit met 'n graankos (rys, hawermout, quinoa, ens.)
37. Bevries u oorskiet onmiddellik vir 'n ander dag (wat u nie wil kook nie).
38. As u 'n groot gesin het, probeer om dit in groot hoeveelhede te koop of waar dit in die groothandel verkoop word.
39. As jy by die werk moet eet, pak jou kos saam as middagete of snacks.

Bespaar op stokperdjies:


40. Laai gratis boeke op die internet af.
41. Besoek die naaste biblioteek en lees hulle boeke.
42. Gaan na die flieks op afslagdae.
43. As jy van drank hou, soek dan Happy Hour by jou gunsteling kroeë.
44. TA Woon gratis kulturele geleenthede in u stad by, soos kunsuitstallings, konserte of toere.
45. Gaan stap op 'n ekologiese pad of fiets deur die groen gebiede van u stad.
46. Drop kabel -TV. Gaan na Netflix (nul advertensies) of spandeer u daaraan om meer te lees.
47. Maak van u stokperdjie 'n besigheid: verkoop u kunsvlyt; gee ander raad oor hoe om goed aan te trek; speel jou kitaar in plaaslike bars ens.
48. Gaan op vakansie of besoek toeristeplekke in die laagseisoen.
49. Maak 'n potjie saam met jou vriende. Elke persoon moet 'n bord vir al die gaste saambring.

Bespaar op skoonheid:


50. Koop generiese handelsmerke. Sommige bied dieselfde voordele as duur maraca -produkte.
51. Gebruik meer natuurlike produkte. Die kombuis is 'n uitstekende bron van skoonheidsprodukte, aangesien u vel 'n tweede mond is.
52. Koop 'n groot fles suiwer klapperolie. Dit dien as 'n haarbehandeling, room vir die liggaam, hande en gesig, epilatorroom, make -upverwyderaar, intieme smeermiddel, room vir uitbarstings en word ook in die kombuis gebruik.
53. Maak 'n spa tuis met natuurlike produkte.
54. Doen tuis jou manikuur en pedikuur.

Stoor saam met mense:


55. Bly weg van mense wat u motiveer om te bestee net om die plesier van die oomblik te bevredig. Omring jou eerder met mense wat jou belangstellings deel en wat jou prioriteite verstaan.
56. Bespreek u spaardoelwitte met die belangrikste en naaste mense aan u.
57. Praat met jou maat en kinders oor die belangrikheid van spaar en stel saam doelwitte.
58. As u kinders het en saam met hulle uitgaan, verduidelik aan hulle voordat u die huis verlaat dat hulle nie gaan inkopies doen nie en wat die doel van die uitstappie is. As u u seun voorberei op wat kom, sal hy duideliker wees hoe hy moet optree (ek het u gesê ek was 'n laerskoolonderwyser). Onthou om nie toe te gee aan sy tantrum nie en praat voortdurend met hom oor die verskil tussen luukshede en benodigdhede.
59. Spandeer meer tyd saam met u kinders in plaas daarvan om meer speelgoed of elektronika te koop om u teenwoordigheid te vergoed.
60. Neem gratis afsprake saam met u maat: 'n glas wyn wat na die sterre kyk, 'n wandeling deur die stad, 'n nag met massages, ens.

Bespaar geld Minimalisme:


61. Koop wat u nodig het, en u gaan dit regtig gebruik. Gee wat jy koop, 'n raklewe in plaas van net te koop.
62. Ruil voorwerpe uit soos boeke, musiek, bykomstighede of klere wat u nie saam met u kennisse of vriende gebruik nie.
63. Koop produkte van goeie gehalte wat lank hou.
64. Hou 'n kombineerbare kas. Hanteer sekere basiese klere. Dit sal u geld en tyd bespaar wanneer u aantrek.
65. Hou so min as moontlik toestelle en voorwerpe by die huis. Hou by die wat nuttig is vir verskillende doeleindes.
66. Woon op 'n kleiner plek, veral as u alleen of saam met 'n maat woon.
67. Hou u huis netjies en sonder onnodige voorwerpe, en u hoef nie iemand anders te betaal om dit skoon te maak nie.
68. Herstel die voorwerpe of klere wat nog werk, in plaas daarvan om uit te jaag om iets nuuts te koop.
69. Dink dat dit wat u het, u nie definieer nie. Hy streef daarna om te wees in plaas van om te hê.

Spaar geld gewoontes:


70. Ontleed wat jou gelukkig maak. U sal sien hoe u uitgawes verminder word.
71. Leef gesond en oefen gereeld. Dit bespaar u geld op mediese behandelings en fokus u op die positiewe.
72. Wees baie duidelik dat dit op u lys met behoeftes en begeertes is.
73. Skryf wat u met u geld wil doen en hoe u dit ten beste wil benut. As u u doel duidelik het, bespaar u op nuttelose uitgawes wat nie in ooreenstemming is met u lewensprojek nie.
74. Skakel die TV af, dit verminder die tyd wat aan advertensies en allerhande winkelsentrums blootgestel word.
75. Kom tuis saam met vriende, in plaas van gereeld uit te gaan.
76. Moenie jouself met ander vergelyk nie. Net omdat iemand meer as jy het, beteken dit nie dat hulle gelukkiger is of beter lewe nie. Daar sal altyd iemand wees wat minder of meer as jy het.
77. Skeduleer u uitgawes elke naweek vir die volgende sewe dae.
78. Gaan u begroting voortdurend na.
79. Kontroleer u nuts- en bankfakture in die geval van foute of buitensporige heffings vir uitgawes wat u nie verband hou nie.
80. Hou die rekeninge op 'n sigbare en ordelike plek, sodat u nie vergeet om dit betyds te betaal nie.
81. Gebruik 'n spaarvarkie om veranderinge of draaie te bespaar. U sal verbaas wees oor hoeveel u kan spaar.
82. Vra jouself af voor jy koop: het ek dit nodig of wil ek dit hê? Het ek tuis iets soortgelyks wat dieselfde funksie vervul?
83. Dink positief oor geld, vertrou dat u deel kan wees van die oorvloed wat in die heelal bestaan.
84. As u ekstra geld kry, spaar u dit in plaas daarvan om u geld uit te jaag.
85. Verminder u slegte gewoontes soos rook, drink, lotery koop of enige verslawing wat u het.

Lees meer oor die bestuur van u geld:


86. Lees meer oor persoonlike finansies.
87. Luister, lees en praat met mense wat goed is om hul geld te hanteer.
88. Besoek u bank en vra uit oor die verskillende spaarrekeninge wat hulle het en hoe u daarmee geld kan verdien.
89. Outomatiseer die betaling van u fakture en wat u nog meer kan doen, sodat dit van u bankrekening afgetrek word.
90. Sluit aan by Facebook -groepe wie se tema besparing is.

Bespaar geld met versekering:


91. Het goeie gesondheids- en motorversekering. In noodgevalle hoef u nie u spaargeld op te offer of in die skuld te kom nie.

Bespaar geld met skuld:
92. Probeer om u skuld te herfinansier en 'n laer rente te behaal. U kan ook al u bankskuld in een versamel om geld te bespaar, tyd te verminder en betaalfasiliteite te skep.
93. Betaal klein skulde vinnig af. Dan, die geld wat u daarin gebruik het, gebruik dit om u groot skuld te betaal.
94. Of eers vir u grootste skuld sedert u geld op rente bespaar.

Bespaar geld met belasting:


95. Betaal u belasting betyds om rente te hef. As u voor die sperdatum betaal, kan u afslag verdien.

Bespaar geld met tegnologie:


96. Laai die dokumentredakteur van Google Drive af in plaas daarvan om vir Microsoft te betaal.
97. Koop tegnologiese toestelle volgens u behoeftes, nie megamasjiene wat u slegs gebruik om op die internet te blaai nie.

Bespaar geld met die huis:


98. Moenie 20 toiletware by die huis hê nie. Het 'n veeldoelige een, asyn of bleikmiddel is genoeg.
99. Wasverzachter is nie nodig nie. Kies jou wasseep beter, dit is genoeg.
100. Onderhou u toestelle behoorlik.

100 tips för att spara pengar varje dag

100 tips för att spara pengar varje dag


100 tips för att spara pengar varje dag
Att kunna spara pengar månad efter månad är en vana som du måste skapa om du vill ha en framgångsrik ekonomi. Faktum är att sparande är det första steget till ekonomisk frihet.

Det finns många sätt att börja spara utan att nödvändigtvis offra dig själv. Det handlar mer om att anpassa sig till en mer medveten konsumentism, hålla våra ekonomiska prioriteringar tydliga.

Hur vi spenderar är en återspegling av våra värderingar och vad vi anser vara viktiga i våra liv. Om du är tydlig med att du köper dina pengar på riktigt bör det inte vara ett problem att göra nedskärningar för att spara. Skär ner på det du känner gör dig inte lycklig eller har ingen nytta i ditt liv.

Det finns många sätt att börja spara beroende på din livsprioritet, varför jag har delat in dessa spartips i kategorier för att göra det lättare för dig att bestämma var du vill börja spara.

Budget att spara:


1. Ha alltid en budget för varje månad. En budget är sättet att berätta för dina pengar var de ska gå innan du börjar spendera dem.
2. Låt sparandet vara det första som debiteras från din lön. Automatisera denna betalning varje månad med ditt sparkonto.
3. Sätt upp ett tydligt, kortsiktigt mål. Gå månad till månad. Här visar jag dig hur du upprättar din sparplan.
4. Börja med att spara en liten summa. De kan vara $ 10 eller $ 20. Det viktiga är att skapa vanan. Ett bra system är 52-veckors utmaningen, där du börjar spara en liten summa pengar och gradvis ökar beloppet.
5. Skapa ett besparingssystem som fungerar för dig. Du har ditt eget speciella sätt att göra saker, annorlunda än andra. Prova först den sparmetod som passar din personlighet och se om den fungerar under en månad.
6. Spara inte för att spara, spara eftersom du planerar att göra något med dina pengar. När du har din plan, kalla det "spara för ...": studera, resa, betala skulder etc. 7. Ha alltid med dig en inköpslista för att undvika att köpa det du inte behöver. Ibland spelar ditt minne dåliga förflutna på dig så skriv alltid vad du ska köpa.
Organisera listan i viktordning, först vad du behöver mest och sedan vad du kan förvänta dig. Detta gör att du kan bli mer medveten om dina prioriteringar när det gäller utgifter, skjuta upp inköp som inte är brådskande och fördela dina pengar på ett mer rättvist sätt. Viktigt tips: köp bara det som finns på din lista.
8. Betala kontant. Om du har ett kreditkort, gå inte ut med det. Kort generellt skapar en illusion av att inte förlora pengar. När du betalar kontant ser du verkligen hur pengarna går ur dina händer så det är lättare att kontrollera utgifterna.
9. Begränsa frestelsen att spendera av din budget med ett bidrag. Tilldela en procentandel av din lön för att spendera på det du gillar, antingen veckovis eller månadsvis, på detta sätt du njuter men utan att skada din ekonomi.

Skapa en utmaning att spendera mindre:


10. Skapa en månad utan utgifter, jag menar en månad där du bara spenderar det som är nödvändigt.
11. Om du tycker att det är för svårt, prova helger eller hela veckor utan kostnad.
12. Välj en viss produkt som du inte kommer att köpa under en viss tid. Om du är en tvångsmänniska att köpa något, starta den här utmaningen. De pengar du spenderade på det kan du spara.
13. Skjut upp din shopping. Om du verkligen är frestad att köpa något, spara det till en annan dag eller tillämpa 48-timmarsregeln. Du kommer att upptäcka att du efter den här tiden har glömt eller tappat lusten. Med detta lär du dig att kontrollera dina känslor och låter dem inte styra dina beslut. Det är som när du bråkar med din partner och för att inte kränka henne föredrar du att prata när stämningen har lugnat ner sig.
14. Håll dig borta från dina utgifter. Avsluta din prenumeration från alla platser eller webbsidor som uppmuntrar dig att köpa. Radera ditt användarnamn och lösenord och sidans historik.
15. Minska din tid på sociala nätverk eftersom de uppmuntrar dig att kopiera andras livsstil och ambition mer än du behöver. Om du gjorde min utmaning i en månad utan kostnader, skulle du inse hur lite du behöver vara lycklig.
16. Minska din mobilplan.

Tjäna mer pengar:


17. Försök att tjäna mer pengar. Det bästa sättet att öka ditt sparande är genom att generera mer inkomst. Du kan börja med att sälja saker du inte använder, arbeta övertid, hyra ett rum i ditt hus eller ge privata lektioner. Det finns många alternativ, välj det du gillar mest.
18. Sluta samla föremål och sälj det du inte längre använder. Att ha fler saker gör dig inte rikare. Sälj kläder, apparater och tillhörigheter som du inte använder.
19. Förhandla om priserna på det du köper. I vår latinokultur är det en vanlig vana. Ledsa inte och erbjud ett lägre pris, alla rabatter är en älskling för din plånbok.
20. Kontrollera dina bankkonton och se vilka extrautgifter din bank gör. Om du ser att din kontotyp debiterar dig för mycket, ta reda på hur en annan typ av konto du kan ha eller hur du kan minska dessa avgifter. Till exempel när jag granskade vad de debiterade mig på ett år svimmade jag nästan. När jag gick till banken erbjöd de mig ett konto som inte tar betalt för underhåll av betalkort utan för uttagsautomater. Sedan dess gör jag bara ett uttag per månad och jag har befriats från månatliga underhållskostnader.
21. Hyr ett rum i ditt hus, garaget eller din bil.
22. Dela din bil med andra och debitera "biljettpriset".

Spara pengar på köp:


23. Undvik att shoppa under säsongen. Handla före eller efter särskilda datum för att dra nytta av rabatter, dåliga sista-minuten-beslut, trängsel och övergripande stress.
24. Om du ska köpa något du behöver, leta efter kampanjer eller rabattdatum. Du kan också använda kuponger.
25. Köp inte när du är stressad, orolig eller upprörd bara för att du mår bättre.
26. Jämför alltid priser och köp inte i första hand du ser.
27. Kontantköp. Betala inte i rater eller med kreditkort. Dessutom kan du få rabatt för kontantbetalning.
28. Om du föredrar att betala med ditt kreditkort för de poäng eller miles du samlar på, gör köp på en enda del för att inte förlora pengar på ränta.
29. Köp i nätbutiker. Vissa är billigare. De sparar dig tid, stress, blir frestad att köpa det du inte behöver.

Spara pengar på mat:


30. Baserat på din veckomeny, ha en inköpslista. Gå aldrig ut utan din lista: du kommer att köpa det du inte behöver och gå till snabbköpet många gånger. 31. Gå inte till snabbköpet för bara en sak eller två eftersom du hamnar på impuls eller på ett infall vad du inte behöver.
32. Ät mer naturliga och mindre bearbetade livsmedel.
33. Undvik snabbmat och ät ständigt på restauranger.
34. Budget vad du äter hemma och ute.
35. Hitta den billigaste stormarknaden i ditt område. Personligen föredrar jag marknadsplatser eftersom deras produkter är billigare (eftersom det är färre mellanhänder och hyrorna som betalas av lokalbefolkningen där är lägre).
36. Ät mindre kött och mer växtprotein. Baljväxter (bönor, linser, kikärter, ärtor, etc.) är ett bra protein om du kombinerar det med en spannmål (ris, havregryn, quinoa, etc.)
37. Frys omedelbart dina rester för någon annan dag (som du inte vill laga mat).
38. Om du har en stor familj, försök att köpa i stora mängder eller där de säljer partihandel.
39. Om du måste äta på jobbet, packa din mat antingen lunch eller mellanmål.

Spara på hobbyer:


40. Ladda ner gratis böcker på internet.
41. Besök närmaste bibliotek och läs deras böcker.
42. Gå på bio på rabattdagar.
43. Om du gillar sprit, leta efter Happy Hour på dina favoritbarer.
44. TA Besök gratis kulturevenemang i din stad, till exempel konstutställningar, konserter eller rundturer.
45. Gå en ekologisk promenad eller cykla genom de gröna områdena i din stad.
46. Släpp kabel -TV. Gå till Netflix (noll reklam) eller ägna dig åt att läsa mer.
47. Förvandla din hobby till ett företag: sälj dina hantverk; ger andra råd om hur man klär sig bra; spela din gitarr i lokala barer etc.
48. Åk på semester eller besök turistorter under lågsäsong.
49. Gör en potluck med dina vänner. Varje person måste ta med en tallrik för alla gäster.

Spara på skönhet:


50. Köp generiska märken. Vissa erbjuder samma fördelar som dyra maracaprodukter.
51. Använd mer naturliga produkter. Köket är en bra källa till skönhetsprodukter eftersom din hud är en andra mun.
52. Köp en stor burk jungfru kokosolja. Det fungerar som hårbehandling, kräm för kropp, händer och ansikte, epilatorkräm, sminkborttagare, intimt smörjmedel, kräm för utbrott samt används i köket.
53. Gör ett spa hemma med naturprodukter.
54. Gör din manikyr och pedikyr hemma.

Spara med människor:


55. Håll dig borta från människor som motiverar dig att spendera bara för att tillfredsställa stundens nöje. Omge dig istället med människor som delar dina intressen och som förstår dina prioriteringar.
56. Diskutera dina sparmål med de viktigaste och närmaste personerna till dig.
57. Prata med din partner och barn om vikten av att spara och sätt upp mål tillsammans.
58. Om du har barn och du går ut med dem, förklara för dem innan de lämnar hemmet att de inte ska handla och vad är syftet med utflykten. När du förbereder din son för det som kommer kommer han att bli tydligare om hur han ska bete sig (jag sa att jag var en grundskollärare). Kom ihåg att inte ge efter för hans raserianfall och ständigt prata med honom om skillnaden mellan lyx och nödvändigheter.
59. Tillbringa mer tid med dina barn istället för att köpa mer leksaker eller elektronik för att kompensera för din närvaro.
60. Ha gratis dejter med din partner: ett glas vin som tittar på stjärnorna, en promenad genom staden, en natt med massage, etc.

Spara pengar Minimalism:


61. Köp vad du behöver och du kommer verkligen att använda det. Ge det du köper en hållbarhet istället för att bara köpa.
62. Byt ut föremål som böcker, musik, tillbehör eller kläder som du inte använder med dina bekanta eller vänner.
63. Köp produkter av god kvalitet som håller länge.
64. Ha en kombinerbar garderob. Hantera vissa grundkläder. Detta sparar pengar och tid när du klär dig.
65. Ha så få apparater och föremål hemma som möjligt. Håll dig till de som är användbara för olika ändamål.
66. Bo på ett mindre ställe, särskilt om du bor ensam eller med en partner.
67. Håll ditt hus städat och fritt från onödiga föremål och du behöver inte betala någon annan för att rengöra det.
68. Reparera föremålen eller kläderna som fortfarande fungerar istället för att rusa ut för att köpa något nytt.
69. Tänk att det du har inte definierar dig. Han strävar efter att vara istället för att ha.

Spara pengar vanor:


70. Analysera vad som gör dig lycklig. Du kommer att se hur dina utgifter minskar.
71. Lev hälsosamt och träna ofta. Det sparar pengar på medicinska behandlingar och fokuserar ditt sinne på det positiva.
72. Var mycket tydlig med att det finns på din lista med behov och önskemål.
73. Skriv vad du vill göra med dina pengar och hur du vill få ut det mesta av dem. När du har ditt mål klart sparar du på värdelösa utgifter som inte överensstämmer med ditt livsprojekt.
74. Stäng av TV: n, detta minskar tiden som utsätts för reklam och alla typer av shoppingutlösare.
75. Samlas hemma med vänner, istället för att gå ut ofta.
76. Jämför dig inte med andra. Bara för att någon har mer än du betyder inte att de är lyckligare eller lever bättre. Det kommer alltid att finnas någon som har mindre eller mer än du.
77. Varje helg, schemalägg dina utgifter för de kommande sju dagarna.
78. Kontrollera din budget hela tiden.
79. Kontrollera ditt verktyg och bankfakturor vid fel eller för höga kostnader för utgifter som du inte har relaterat till.
80. Förvara räkningarna att betala på en synlig och ordnad plats så att du inte glömmer att betala dem i tid.
81. Använd en spargris för att spara förändringar eller svängar. Du kommer att bli förvånad över hur mycket du kan spara.
82. Fråga dig själv innan du köper: Behöver jag det eller vill jag ha det? Har jag något liknande hemma som fyller samma funktion?
83. Tänk positivt på pengar, lita på att du kan vara en del av det överflöd som finns i universum.
84. När du får extra pengar, spara dem istället för att rusa ut för att spendera dem.
85. Ta bort dina dåliga vanor som att röka, dricka, köpa lotteri eller något beroende du har.

Läs om hur du hanterar dina pengar:


86. Läs mer om privatekonomi.
87. Lyssna, läs och prata med människor som är bra på att hantera sina pengar.
88. Besök din bank och fråga om de olika sparkonton de har och hur du kan tjäna lite pengar med dem.
89. Automatisera betalningen av dina fakturor och vad du kan så att de dras från ditt bankkonto.
90. Gå med i Facebook -grupper vars tema är att spara.

Spara pengar med försäkring:


91. Ha god hälso- och bilförsäkring. När nödsituationer kommer behöver du inte offra ditt sparande eller gå i skuld.

Spara pengar med skulder:
92. Försök att refinansiera dina skulder och uppnå ett lägre ränta. Du kan också samla alla dina bankskulder i ett för att spara pengar, minska tiden och skapa
betalningsmöjligheter.
93. Betala av små skulder snabbt. Sedan använder du pengarna du använde i dem för att betala dina större skulder.
94. Eller för din största skuld först sedan du sparar pengar på ränta.

Spara pengar med skatter:


95. Betala dina skatter i tid för att undvika att ta ut ränta. När du betalar före deadline kan du få rabatt.

Spara pengar med teknik:


96. Ladda ner dokumentredigerare från Google Drive istället för att betala för Microsoft.
97. Köp tekniska enheter enligt dina behov, inte megamaskiner som du bara använder för att surfa på internet.

Spara pengar med hemmet:


98. Har inte 20 toalettartiklar hemma. Ha en mångsidig, vinäger eller blekmedel räcker
99. Sköljmedel är inte nödvändigt. Välj din tvätttvål bättre, det räcker.
100. Underhåll dina apparater ordentligt.

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