As a worker
The following list explains ways in which a new worker can
save money:
1. Take your lunch to work
Make sandwiches, packed lunches, or pastas and take them to
work instead of going to a nearby restaurant or fast food place every day. If
possible, you can make extra food at dinner, refrigerate it, and pack it for
work the next day where you can reheat and eat it.
2. Mix and Match Clothes
Instead of buying a new suit for every day of the week, mix
and match your clothing. If you must buy clothes, buy smaller pieces that can
be worn with more than one other piece. For example, instead of buying a dress,
buy a skirt, pants, or shirt, that way you will have more options when you need
something else to wear. If you need to buy a bottom, buy one that can be worn
with any of your tops. If you need to buy a top, buy one that can be worn with
most of your bottoms. With only a few pieces of clothing, you can have an
endless wardrobe.
3. Free exercise
There is no need for you to pay for a gym membership as soon
as you start working. Make use of all the free exercise you can get. Walk to
work, go for a jog before or after work, go swimming if you have a pool, or you
can make use of the stairs at your home or workplace and go up and down them
several times a day. There are television channels that carry exercise programs
on a daily basis. Try watching these programs and exercising along with them in
your own home.
4. Get paid to exercise
What is even better than getting a free exercise? Being paid
to exercise! If your new job does not satisfy your need for physical activity
and you have the extra time, you can take on a few extra jobs that will offer
you the exercise you need. Offer your services to your neighbors for a small
fee. You can walk dogs, mow lawns, clean windows, or wash cars.
5. Free Entertainment
You do not need to fork out a hefty sum for entertainment.
There are many ways in which to be entertained for little to nothing out of
pocket. Invite your friend over for board games or console games and drinks.
You can read a book or exchange console games, books, and movies with your
friends and neighbors.
6. Travel cheaply
Instead of paying extra money for gas or private
transportation, travel cheaply by taking public transportation, carpool with
your co-workers, and walk to work if you can. If you own a bicycle or bike, use
that as your means of transportation to and from work. If you have family
members or close friends who live near to you and work in the same vicinity as
you, carpool with them.
8.Repay debt smartly
Instead of handing over your entire paycheck at one time,
try to work out payment plans when it comes to repaying your debt.
9. Always shop around
Do not make impulse purchases. If there is something that
you need to buy, shop around and compare prices.
10. Banking
If you often use a debit or ATM card, it may be better to
have your savings differently from your spending money. Some banks offer
services where you can specify how much of your monthly deposits are to be
inaccessible through your debit card. This way, you will be less likely to
spend more money than you should and you will be developing an active saving
habit.
11. List All Your Expenses
One of the reasons why listing all your expenses will stop
your overspending habits and ultimately help you save money is that this
practice allows you to get a snapshot on how much you actually spend. Every single expense must be recorded because they all
add up. Remember to group purchases into categories like utilities, food, rent,
fare, dining out, clothes, entertainment, etc. After pinpointing where you’re
overspending, it is now time to cut down the amount of money you spend on that
category.
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