|how to reduce the amount of waste|
how to reduce the amount of waste
There are so many types it's hard to say.
This shows that when we calculate the money at the end of the month, we have wasted a lot of money.
There are many of us who spend money without a monthly budget, so in many cases, they have to make various emergency payments and expenses later and have to borrow because the month cannot be cleared in a month and from there a new problem starts.
So through this article, we will learn about many ways that if you follow, you will not have to face the problem of spending extra money without this account.
What does wasteful spending mean?
Every one of us spends money on things that are out of necessity, everything that we spend money on can be called wasteful spending or unnecessary expense.
Every month we buy a lot of things that cost a lot of money. And if we check it well, we don't need those things.
We spend a lot of money on these kinds of unnecessary things or services without thinking of anything based on just feeling good.
Costs like going to expensive restaurants, shopping unnecessarily, eating too much fast food, buying a new mobile phone even after having a mobile phone, etc. are among the bad expenses.
Ways and means to reduce waste
There are many ways to save money. However, it is entirely up to you how far you can go with your willpower to save on such unnecessary expenses.
1. Make a budget before shopping
When we go to the market or shop online, our minds become very restless when we see different types of clothes or other things and we tend to buy new clothes or things that we see.
And because of the extreme volatility of buying these clothes or things, in most cases we buy more than we need, which results in even worse expenses than calculated.
So, whenever there is a market, you have to make a list beforehand and make a list of everything you need.
Also, before going to market, you need to make sure that you do not waste money on anything other than what you need or list.
If you can only do so much work, you will see that the way you have been wasting money by going to the market for so long will be reduced completely and the wasteful spending in the market will be reduced.
2. Save the cost of lunch and snacks during office hours
There are many of us who do not like to take tiffins to the office. As a result, lunch and afternoon snacks have to be bought and eaten from outside.
If you look at it like this, they have to spend a little of 50 to 60 rupees every day. Many people spend this money every day because they think it is a very small expense.
But if you look at the calculation of the whole month, you will find that these small expenses that happen every day are becoming very big expenses at once.
For example, if a person's salary is Rs 10,000, then if he spends Rs 50 per day on lunch and Rs 20 on afternoon snacks, then he is spending around Rs 2,000 per month.
So, if lunch and snacks can be taken from home to the office or office, this wasteful cost will definitely be saved.
3. Saving costs from gym membership
Nowadays it is seen that people prefer to go to the gym rather than join the house or take a morning walk.
Thus, nowadays to get a membership in the gym, you have to pay a lot of money together as an advance, and even if you have to pay money every month, you are charged a lot of fees.
In this case, if we practice yoga at home or can go out for a morning walk, then the extra cost of the gym is saved along with our good health.
If you have some space in your house, then you can buy a gym or exercise equipment once you spend money and do the gym forever without any money.
This way, you can save extra money on Gym membership.
4. Cost saving from cigarettes, gutkha etc.
In the eyes of those who smoke such things as gutkha cigarettes, these bad expenses are very small, but at the end of the month, they are consuming most of the money.
As a result, there is a lack of money to meet the needs of those who have useful work, needs or things, etc.
However, you cannot give up smoking gutka, cigarettes, etc. all at once, although you can reduce the extra cost of money by reducing the amount of consumption.
So if you smoke 8 cigarettes a day or eat 4 packets of gutkha, try to reduce it to 2 instead of 6 and more to come.
See how much of your monthly money is being spent just for this little habit.
5. Make a monthly budget
When we get the first salary of the month, we have a lot of money in our hands, so we remember to buy and cut a lot, to go around.
But if we make a budget for the whole month as soon as we get the salary, then we will know where and how much money to spend so that we can control ourselves from making bad expenses.
So it is very important to make a budget for the whole month to save bad expenses.
6 . Recharge the TV or phone as needed
TV, phone or other services should be recharged as needed.
As such, we do not meditate on these small expenses, which leaves a lot of extra money to recharge.
Nowadays, as a result of having two or three smart phones in everyone's house, only 3 phones are recharged.
If recharged for 300 rupees, then three phones cost 900 rupees.
In this case, even if two phones are recharged, you can save 300 rupees every month.
In the same way, when recharging the TV, you need to recharge the channels that you have seen.
Because we often get confused by the shopkeeper's words and recharge more money where there are channels that we don't usually watch.
7 . Save on outdoor meals
Nowadays most people like to eat out.
In this case, whether it is an official holiday or a Sunday holiday, it means eating out.
There are many people who are anxious to eat fast food in the afternoon.
So, if a person eats fast food outside every day or eats in a restaurant for most of the month, then at the end of the month it will be seen that he is spending a lot of money eating outside.
In this case, if the food is prepared by trying new recipes at home, then your health will be fine with saving a lot of money.
Because eating out is not good for our health.
8 . Save on electricity bills
It is also possible to save a lot of money every month if you want from the electric bill.
At present everyone has a personal TV, AC, cooler, wifi connection, etc. in their house.
If all three rooms in a house have AC or TV, the monthly bill will be much higher, which will result in a hefty sum of money from your salary.
In this case, if a TV and an AC are installed in the hall room and only those are used in most of the cases, then the monthly bill will be halved and a lot of money will be saved from the bill.
9 . Bank recurring open
The biggest option to save on bad expenses is to open a recurring bank.
There are many of us who leave the money that is saved after spending at the end of the month in a savings account.
As a result, money is kept in one month and not in another.
Again, as a result of having the facility to withdraw money from the savings account at any time, the money is spent for one reason or another.
In this case, if the account of recurring or mutual fund is opened without keeping the money in the savings account of the bank, then you have to keep the money there for a certain period of time.
In addition, as there is no facility to withdraw money at the same time, the money kept there is deposited regularly but it is not used for small needs.
For example, if your salary is 20 thousand rupees, then you will try to open a recharge of 5 thousand rupees.
In this way, with the accumulation of 60 thousand rupees in a year, you will definitely be able to earn interest in a different way.
So if recurring is open in a bank or mutual fund, you must have the thought of keeping money for recurring in your head before making bad expenses.
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