12 real tips on how to save your family budget


What is family budget saving?

The family budget consists of individual expense items. People usually spend money on food, cars, clothes, children, household appliances, medicines, etc. Saving a family budget means reducing expenses, for example, on clothes or food. Before cutting costs, you need to determine whether such an opportunity exists at all.

If you record all family expenses for a month, you can understand which items in the family budget are the most expensive or useless. For example, you may “suddenly” realize that trips to restaurants and cafes “eat up” a significant part of your income. Or you will realize that some foods can be completely abandoned without losing the quality of the family’s nutrition.

To track family budget expenses, it is convenient to use ready-made tools:

  • Home accounting software
  • Excel table
  • Family budgeting apps

You can do home accounting using a regular notebook, but, as practice shows, this is not very convenient, especially in terms of generating reports. Using the program, you can get a table of family budget expenses for the month in a couple of seconds. And if you use a notebook, then “building” such a report will be difficult - you will need a calculator and time. If you do not plan to use the program, then work with a simple Excel table.

Cooking food

You can save on food by cooking at home or looking for affordable cafes and canteens. To eat cheaply, you need to use the following recommendations:

  1. It's better to cook food at home. You can prepare preserves, jams, ketchup, compotes and juices. This will bring many health benefits, unlike fast foods.
  2. You don’t need to cook a lot at one time, as you may get bored with the monotony of food and want something else, which will require additional funds.
  3. Evenings at a restaurant can be replaced with a party at home. Guests should be asked to bring each their favorite dish. In this way, a meeting with friends will be organized at minimal cost.
  4. Currently, free meals from cafes for reposting or installing an application have become quite popular.

Saving on food

If you decide to save your family budget on food, this does not mean that you should eat less. On the contrary, an analysis of food expenses may indicate that some products can be replaced with cheaper and healthier ones. For example, if you bought expensive varieties of sausage, then regular meat would be a more useful substitute for it. If it is poultry, then the difference in the price of a kilogram of sausage and chicken will be noticeable.

When going shopping, make a grocery list in advance. The list will discipline you and the likelihood of thoughtless expenses will decrease. It is also not recommended to visit the supermarket on an empty stomach, because a hungry buyer may take some harmful and expensive sweets with him.

Cakes, pastries and chocolate are unhealthy foods. Many people understand this, but continue to eat this “food”. Is there a less harmful substitute for these sweets? Of course, there is, for example, halva, sherbet, honey. The difference in the price of chocolate and halva is large - chocolate is several times more expensive (if translated into kilograms). It’s easy to replace unhealthy sweets with healthy ones, and as a bonus, you save money and improve your well-being.

Where and how to cut costs

Let's examine earnings again. Have we used everything to get an extra penny into the family treasury? Maybe it's worth:

  1. Make your hobby an opportunity to earn money.
  2. Do not refuse a small reward when a neighbor offers it to us from the bottom of her heart for a small service.
  3. Cleaning the house can lead to an unexpected result; we will find many unnecessary things in good condition that can be sold through the forum .
  4. Find a small part-time job.

Now let's look at the costs. What can we completely remove, change or minimize here:

  1. Many who have already taken out a loan understand how sometimes unfavorable some conditions are, and that in reality they overpay. So, before you think about taking an expensive device, car, house or equipment in installments, think about how much you need it. If you can’t do without it, think about it: maybe if you buy it with your existing funds or save a little more, it will be enough for something that will satisfy your needs, if not your desires?
  2. Head to the store with the list in hand. At the same time, if your child is capricious and demands to buy him something, then first have a conversation with him that you will not be able to fulfill this “request” of his. And if possible, don’t take it to the store at all.
  3. Many stores have a discount system. Take advantage of it!
  4. What can you save on? Things and food. Buy goods at wholesale prices. If the party is large, group a small group of friends who also want to avoid spending a lot of money.
  5. Perhaps you “produce” something yourself: cook food instead of ordering it or buying semi-finished products, sew/knit things, grow greens on the windowsills.
  6. A separate article is electricity. This is just a real black hole that is sucking out all our savings. So look at how you can reduce your light consumption? It is possible to cancel the standby mode and completely remove the plug from the socket. Or, buy appliances and light bulbs that consume a small amount of energy?
  7. Another effective way to save money is to pay bills on time to avoid penalties and fines.
  8. And sometimes you even need to think about the fact that it is not always advisable to travel in your own car, instead of using public transport.

Think, decide at a family council what is beneficial and what will work in your family. And I will try to prepare articles that will help not only save, but also learn how to accumulate money. I hope you enjoy this conversation and subscribe so you don't miss it. Don't forget that your friends will be happy. If you tell them about this topic and bring them to the site! Well, that's all for today! Bye!

Poll: How much do you spend on food per month?

The best advice for saving your family budget in the field of catering is a wish - learn to cook! Food prepared at home is much cheaper than what you buy in a restaurant or cafe. Carry lunches with you. Even if there is a cafe or cafeteria near your office, bring your lunches from home. This is a good way to save your family budget and get rid of possible digestive problems.

Expenses for lunch (in cafes and restaurants)

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How to save money in the family - ways

Real saving of the family budget is a science that all newlyweds have to comprehend.


When dividing or combining your income and choosing the type of family budget, you must take into account that psychologically it is not always easy. Someone whose income is noticeably more modest is often very worried, especially if it concerns a young husband.

Therefore, for newlyweds who refuse to sign a marriage contract, a shared (mixed) budget is preferable. To change this model in the future and move to a separate or joint budget, you need to learn how to spend money more economically, making profitable purchases and being careful about the costs of electricity and water.

There are several most popular and effective ways to save money on the family budget:

  1. Selection of stores and retail outlets where food, clothing, and shoes will be purchased in the future. At this stage, it is important to decide in which shopping centers it is better (more profitable) to buy household appliances, electronics, and equipment. Before you make any purchases, you need to make a decision regarding the quality of the items you are purchasing. With proper planning of the family budget, a certain amount is allocated monthly for the purchase of wardrobe items. The newlyweds need to understand how high quality the purchased items should be. Buy expensive items only if they will not be used heavily. For daily use, you can purchase cheap clothing items by taking advantage of offers from retailers and visiting sales.
  2. While shopping, don't stop at bright billboards advertising significant discounts. It is better to make a list of the necessary goods to be purchased in advance.
  3. You cannot take more money with you than planned. Otherwise, they will still be spent, and another amount will be recorded in the “unforeseen expenses” column.
  4. Even if you purchased less than planned, you should not go shopping more than once a day. You should always shop in the same stores. This makes it possible to enjoy discounts for regular customers.
  5. To reduce utility bills, you need to comply with the requirements of utility companies. Install control and counting devices. These are meters that determine the consumption of water, gas, and light. Such devices are installed for several years, which means their purchase will be justified.
  6. Simple changes will help you save your family budget. If you install a shower cabin instead of a bath, the water consumption per person will be reduced by almost half.
  7. Speaking about the savings item, listing all the most suitable and simple ways to save the family budget, it must be said that there is another opportunity to avoid unnecessary expenses. The amount that home owners pay for heating will immediately be significantly reduced if some materials are replaced. Just use not old wooden window frames, but install new plastic double-glazed windows. Although it makes sense to consult with experienced craftsmen who will tell you what to do correctly, what to do to keep the heat in the room.
  8. Saving energy is a task of particular importance. The most significant costs are payments for electricity and water. If, in order to save money from the family budget, meters are even installed on heating pipes, then it is imperative to monitor energy costs. More than 40% of all costs come from paying for electricity. Therefore, it is worth seeking the help of specialists who will install equipment and devices that limit energy consumption. For example, some devices will turn off if they are not used for a long time. It will be impossible to leave the TV or computer on - regardless of whether their owner is at home or at work.
  9. A trip to the store or market for food can end up costing you a lot. It is very difficult to track expenses if purchases are made unplanned. If you know that you can manage a predetermined amount of money, then the first thing you need to do is buy the most necessary products. In this case, you can carefully study the price tags on the shelves and take advantage of the seller’s offer to buy two products at the price of one.

Don't miss out on the opportunity to purchase popular products at low prices. Their quality must be confirmed, and as a result, the buyer will be able to receive a full-fledged product by paying a much lower amount. Such savings are possible if the spouses decide to give up daily shopping trips.

The purchase is carried out once a week, given that on certain days most large supermarkets offer their customers discounts on a huge number of products.

How to save on clothes and shoes - tips for housewives

Purchasing clothes is quite an expensive undertaking. It is generally accepted that women “spend more” on clothes than men. But it is not always the case. Modern men can easily follow trends and buy new fashion items and accessories every month.

The main tip for saving your family's clothing budget is to buy simple, durable and inexpensive items. It is better not to buy clothes from foreign brands and pay attention to domestic manufacturers. For example, shoes from domestic manufacturers are not much inferior in quality to Western brands, but they are several times cheaper.

We advise you not to buy clothes and shoes in boutiques located on the “red line”. The rental price of retail space in popular places is high, so it affects the price of goods. If this is acceptable, then buy clothes through online stores after reading reviews.

Repairing clothes and shoes will save costs. For example, if the zipper on a jacket is broken, it is much cheaper to repair the item than to buy a new one. For a small fee, sewing workshops can “reanimate” any element of a wardrobe – from trousers to a hat.

Take the test:

Test: What salary do you deserve? Find out the psychological limit that determines your income level. Everyone receives the salary that the subconscious allows. It is a subconscious block that prevents many from receiving a decent salary. The test will reveal a psychological block.

Tips for housewives regarding children's clothing - ask your relatives if they have any clothes left for children. Often you can get children's clothing for free or at a minimal price. The child grows quickly, so there are things in good or even perfect condition. There are groups on social networks in which children's things are given away for free or for a nominal fee.

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How to save your family budget on groceries?

Food takes the lion's share of all income. And a reduction in prices for them is not expected in the near future. Therefore, it is worth learning to save on this expense item. You can start with your first trip to the store.

  1. Having a pre-made grocery list can help you save your hard-earned money. It’s good if the family has a developed menu for the week, then it won’t be difficult to schedule the necessary purchases.
  2. If you buy groceries for the week at once, you can avoid unplanned expenses.
  3. Children should not be taken shopping as this may result in additional costs not listed.
  4. A good reason to save money is to avoid semi-finished products. They are more expensive than self-prepared dishes. By the way, this also applies to sliced ​​bread and sausage.
  5. Looking at the bottom shelves in stores is a good habit. This is where the cheapest goods are usually found.

The right “policy” in the kitchen will also help you save money. Each season has its own dishes - for example, in winter you can abandon a salad of fresh cucumbers and tomatoes in favor of cabbage and carrots.

And expensive trout can be replaced with equally tasty, but inexpensive, pink salmon. You can turn your attention to offal, they are as nutritious as meat, but much cheaper.

Preparing food for future use can be a good habit for a housewife. For example, greens, if cut and frozen, will last well in this form for some time and will always delight you with their freshness.

The same can be done with vegetables, berries and homemade dumplings and cutlets. It’s always convenient to get a homemade semi-finished product and cook dinner from it.

Sometimes you can find budget recipes online that you can save for yourself and include in your weekly menu. This is another reason to browse thematic sites and please your household with new dishes. Cooking programs can also be suitable for the same purpose.

And the most important rule that will help you not throw money away is proper storage of food in the refrigerator. Throw away spoiled food in a timely manner, put raw and prepared foods in separate containers with lids, and separate meat, vegetables and various sausages into special compartments of the refrigerator. These simple principles will help you preserve food longer and save your family budget.

Budget savings on utility bills and housing

Significant savings in the family budget can be achieved by reducing home heating costs. If a heating boiler is installed, then the main costs in winter come from paying gas (or electricity) bills. Heating costs can be reduced through additional insulation. You can insulate not only a private house, but also an apartment. It would be a good idea to install plastic windows with double-glazed windows and check them for normal operation of the seals.

Use only LED lamps for lighting - they are ten times more efficient than incandescent lamps. We advise you to choose appliances with low power consumption (refrigerators, washing machines, lamps).

Give up your landline phone (or change your tariff to a more favorable one). Communicate with relatives from other cities via Skype or WhatsApp. Pay your utility bills directly through your client bank rather than through the post office - this way you will avoid fees when paying.

An important component for saving a family budget is controlling water consumption. If you do not have water meters installed yet, be sure to install them. With proper control, you can significantly save on water bills - do not just pour water, wash in the shower, turn off the tap while brushing your teeth and washing dishes.

Technique

7. Think twice before buying any non-basic household appliances. This includes bread makers, sandwich makers, dough mixers, yogurt makers, etc. According to statistics, 90% of people use them only in the first month after purchase, and then completely forget. And if you have accumulated such unnecessary equipment, sell it on Avito.

8. Minimize telephone and Internet costs. Update your tariffs - perhaps there are packages that are more suitable and profitable for you? Check your subscriptions – apps, media. Is everyone worth the expense of them? Even if you manage to save only 500 rubles, you will accumulate as much as 6,000 rubles in a year.

9. Change light bulbs to energy-saving ones. An incandescent lamp costs on average 15 rubles, an energy-saving lamp costs 150 rubles. Ilyich’s light bulb “burns” 700 kW during its service life. And the energy-saving one is 168 kW. Now let’s imagine that the tariff for light is 3 rubles per 1 kW. It turns out that for the light of one incandescent lamp you will pay 2.1 thousand rubles, and the light of an energy-saving light bulb will cost 504 rubles for the entire period. The benefits are already obvious. Now add to it the fact that the service life of a regular light bulb is 1 thousand hours, and an energy-saving light bulb is about 7 thousand hours.

10. Calculate all your car expenses. Traffic jams, rising gasoline prices, insurance, maintenance, repairs... If you have a family with children who need to be transported to kindergartens and schools, then a personal car, of course, is irreplaceable. But if you live alone, think about whether it would be more profitable to use public transport, taxis and car sharing? Calculate the benefits well and then make a decision.

Poll: How much do you spend on utilities per month?

Periodically check current Internet and cable TV rates. Providers often introduce new profitable tariff plans, and you can use the old “expensive” tariff for years.

For those families who live in a rented apartment, savings are especially important. The less you pay for rented housing, the more money remains for other expenses. If the transport infrastructure in your city is developed, then it is not necessary to rent an apartment in the city center. The price of housing in residential areas is much lower. You can easily save money and reduce your monthly expenses by several thousand rubles if you rent an apartment in a residential area with good transport accessibility.

Mortgage repayment costs can also be reduced. To do this, you need to study bank offers on loan refinancing. Surely some bank will have a better offer. By reducing mortgage payments by a couple of thousand per month, you can save 10-30 thousand rubles per year on your budget.

According to the mind, according to the mind

Many people, especially people who earn a decent income, will probably exclaim: “Saving on food means not respecting yourself at all!” Or something like that. But the point is that we are not talking about saving on the quality or quantity of products. We are talking specifically about saving money on buying groceries.

Our family of two people spends an average of about 12,000 rubles on groceries per month, that is, 6,000 per person. Since I maintain a family budget and analyze all expenses by month and year, I did not pull these numbers out of thin air. And it should be noted that this average amount of food expenses has not changed for us for at least 6 years (that’s how long I’ve been doing analysis based on the results of the past year).

During all this time, the quality of our food has not deteriorated, but rather the opposite. At the same time, our food is quite varied, we do not deny ourselves anything. This amount also includes the purchase of food for holidays, birthdays, as well as alcoholic drinks, although we do not particularly abuse them.

Many people will now write to me that they spend much less on groceries because they have low incomes. I know that many people have very low incomes and have to skimp on food, and I feel very sorry for these people.

Our incomes are not very low, but they also cannot be called too high. However, we save money on buying groceries not because we don’t have enough money, but because we believe that there is simply no point in spending more on this item of our family budget.

I have read articles on this site many times about the fact that food prices have risen and that they are starting to spend more money on food. You can throw stones at me, but I don’t feel any strong price increases. I track my family budget and see that our food expenses are stable so far.

How do we manage to do this? I'll share my secrets.

Public transport and personal car – you can save money

If you travel around the city mainly by public transport, then you should think about buying a travel card. Typically, the higher the denomination of the card, the lower the cost of travel and the greater the savings. For those lucky people who live within three kilometers from the office, walking to work will be relevant. This method of moving will bring your budget several thousand saved rubles.

It's good to have a reliable and economical car. Taking into account urban conditions, it is better to buy a compact car with low fuel consumption. If necessary, you can equip your iron horse with gas equipment. The price of gas is several times different from the cost of gasoline.

Criteria for saving a family budget in the field of transport:

  • For regular trips around the city, use a transport card.
  • Walk to work if possible.
  • When choosing a family car, focus on low fuel consumption, reliability, availability of spare parts and compactness.
  • Use taxis only as a last resort (one taxi trip is equivalent to a week of trips on public transport).

Transport costs

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Buying clothes

Spending on clothing also has a significant impact on the family budget. But here, too, you can learn to save money, without compromising your appearance .

  1. Clothes shopping can be done not in expensive brand stores, but on the Internet and Chinese websites. But when purchasing, be sure to study customer reviews and talk to the seller about the parameters and sizes.
  2. There are wholesale clothing purchasing pages. There you can buy a size together with other buyers and pay a wholesale price for it.
  3. You can buy children's clothes second-hand, since children often wear an item only a few times and then outgrow it. You can find quite decent and almost new things at affordable prices.
  4. You definitely need to review all your old things; perhaps some of them were undeservedly abandoned and forgotten.
  5. It is better to rent cocktail dresses, as they are not cheap. You can come to the next event in a different dress.

Self-care - can you save money?

An increased level of spending on appearance is most often relevant for women. You shouldn’t forget about your appearance, but it’s quite possible to save money on this procedure. For example, a private hairdresser who works from home will serve you no worse than in an elite hairdresser. And the quality of work from such masters is often better than in institutions of a similar profile. The savings are obvious - the private owner does not pay rent and the tax burden on him is lower. All this directly affects the cost of hairdresser services.

Nail care can also put a strain on your budget. An ordinary person can rarely evaluate the quality of gel polish applied to nails. For such a service in a beauty salon you will need to pay more than one thousand rubles. It is much easier and cheaper to organize your own nail care.

We also advise you to pay attention to the advisability of all kinds of “rejuvenating” procedures - lifting, massage, solarium, etc. Explore alternative, perhaps more effective, rejuvenation techniques. Eliminate frankly harmful foods from your diet (sausages, sweets, canned food, fatty foods) and you will look younger without additional burden on the family budget.

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Calculation period

First of all, determine the period for which you will draw up your financial plan. This is the period during which money will “circulate” in your home. After this period, you will calculate your income and expenses, analyze and draw conclusions.

The billing period is most often taken to be a month, since every month we receive a salary, pay for utilities, children’s sections, etc.

You can set any other time period for yourself if it is more convenient for you.

Economical attitude to rest and entertainment

The most expensive part of the family budget in the summer is going on vacation. Some families limit themselves to visiting relatives and friends in different cities, others buy inexpensive trips to the nearest sanatoriums, and still others go on vacation to prestigious seaside resorts.

Reasonable vacation planning will allow you to effectively save your family budget. Firstly, you need to plan your trip and book a tour in advance - at least six months in advance. In this case, you will buy tours at the lowest price. Secondly, different travel agencies offer different prices for the same tours. Don’t be lazy and contact several tour operators at once, and you will see that prices for approximately the same tours may differ by 10-30%. Imagine what it means to save 30% if the initial price of a tour for the whole family is 150 thousand rubles - saving 30-40 thousand rubles on a trip is a tangible plus.

If you just want a change of scenery and get vivid impressions, then you can book an inexpensive bus tour, for example, to different cities of the country. Such a trip is available to any family, because it can cost between 10-50 thousand rubles. A very economical option is an independent trip to the “sights” by car or train with advance hotel reservations.

Moderation in entertainment also plays an important role in saving money. Constant trips to clubs and bars can ruin any family budget. Instead of a nightclub or get-togethers in a bar, you can get the whole family out into the countryside, have a picnic, go on a hike, or play with your children in nature. A regular walk in the nearest park will allow you to relax and invigorate.

Exercise doesn't have to be expensive. If you regularly visit a fitness center, then you should consider an annual membership. The cost of one visit to the gym in this case will be significantly lower. You can also do physical exercises at home. Any advanced simulator can easily find a cheaper analogue. Regular dumbbells and a set of exercises with them can replace a trip to the fitness center. The main criterion for playing sports at home is regular exercise on all muscle groups. Buy dumbbells and a horizontal bar - together with walking, these sports equipment will bring a lot of benefits to your body.

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Health

11. Consider whether you need a gym membership. If you actively use the subscription, then there are no questions. But if you go there once every two weeks or exercise exclusively on the treadmill, then perhaps you should give it up? After all, you can run in the nearest park. Think about how you can organize regular exercise at home or outdoors. After all, a yoga mat and a pair of dumbbells cost much less than a gym membership.

12. Walk more. This way you will save on transport and improve your health.

13. Limit fast food and sweets. Calculate how much money you spend on empty, useless food. If the number surprises you, try to reduce your consumption of such products to a minimum. This saves both on products and on doctors.

What can't you save on?

There are areas of life where you cannot save. For example, health expenses should be strictly defined in the family budget. If you need to undergo an examination or tests, it is better not to save money and choose competent doctors and high-quality equipment. It is better to solve small health problems right away, because an advanced disease can bring big problems and expenses in the future.

Saving on self-development is also not a good idea. If you need to improve your competence, then feel free to purchase professional literature and training courses. As practice shows, money spent on self-development will definitely come back to you in the form of a salary.

High-quality food is also a mandatory expense item. The main principle of saving on food is replacing some expensive and harmful products with others that are cheaper and healthier. Be sure to budget for fresh fruits and vegetables. For families with children, spending on “greens” should be mandatory.

Don't forget about rest either. After a good rest, labor productivity increases. This does not mean that you need to urgently fly to Turkey and book a five-star hotel. To get started, just change your surroundings - go on a visit, to the cinema, chat with friends, or devote the whole day to yourself.

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Tips on how to save your family budget

If you earn enough money, does the money still fly away somewhere? This means only one thing - wrong habits have developed in life, on which funds from the family budget are spent. Tips for saving household finances will help identify “parasites”.

How to learn to plan a family budget?

  1. Always plan your income and expenses. Knowing the exact numbers will help you save money.
  2. Refuse loans. The only exceptions can be loans for work, for example, for a car or for business development.
  3. Start a piggy bank. This is not about a “pig” for collecting change, but about the fact that you need to learn to save 10% of your income for unexpected expenses. This will help you save a decent amount to buy something large-scale.
  4. Buy gifts in advance. This is good advice for those who are used to visiting at the last minute. Often you have to take the first thing that catches your eye, since there is absolutely no time left to choose.
  5. Don't give in to emotions. Before buying something very important, you should think carefully - is it really necessary?!
  6. Divide all expenses into groups. Here we mean money for “food”, “transport”, “household chemicals”, “cosmetic products”, “utilities”, “communication expenses” and so on. You can then analyze and correct the resulting numbers.
  7. Give up unnecessary little things. Snacks on the go, magazines for travel, water from vending machines - all this steals a lot of money from the family budget.
  8. Prepare your own lunch for work. As a rule, home-cooked food is cheaper than in public catering establishments. If there is no way to eat at home, then it is necessary to include these expenses in the family budget.
  9. Always buy quality things. Don't skimp on good clothes, shoes, or electronics and household appliances. Most often, the price is a guarantee that the item will last longer.
  10. Use concentrated products in the household. Despite their price, concentrates of washing powders, conditioners and other various products last much longer and thus allow you to save on purchases.

By adhering to these rules, you can save enough money to buy something expensive or on a trip to hot countries, for example.

Motivation for saving the family budget

Use a family budgeting program to get an idea of ​​your monthly expenses. Having a report on your family's expenses can help you create a savings plan. To control the budget, you can use not only the program, but also a regular notebook or Excel spreadsheet - the main thing is that accounting is kept on an ongoing basis, then you can easily determine which expense items can be reduced or reduced.

By saving on expenses, you can accumulate a round sum. Agree that it’s nice when you have several tens or even hundreds of thousands of rubles in stock. Having such a reserve, it is much easier to plan large purchases - a car, a dacha, an apartment.

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Secret 5. Keep the necessary products in stock

I also discovered this secret while living in the village and not having a store at hand. I started buying non-perishable foods to stock up on. This, as strange as it may seem, also helps to save money. Since all other products are in stock, if I don’t find something in the store with a good discount, then I use this product from stock and replenish the stock when a good discount appears on this product.

This way I can buy absolutely all products at a discount.

Another type of stock is freezing and canning vegetables and fruits during the period when they are inexpensive, that is, in the summer. Frozen vegetables in stores are very expensive, but in the summer they are cheap. Therefore, in the summer I fill the freezer to the brim, and these supplies last us until the next season. I also preserve berries, fruits and vegetables.

Cosmetic procedures

Beauty requires not only sacrifices, but also considerable funds.

It is quite difficult for women to deny themselves a manicure, lipstick or a new hairstyle.

You don’t always have to give up all this, but you can save a lot of money.

  1. Based on recommendations from friends or on the Internet, you can find a good non-salon hairdresser or manicurist with reasonable prices for services.
  2. Expensive creams can be replaced with homemade masks using natural ingredients and essential oils.
  3. Giving up bad habits will significantly affect the family budget.
  4. Every day you need to drink at least 1.5 liters of water. This will have a good effect on the condition of the skin and the whole body as a whole.
  5. Walk more and breathe fresh air.
  6. Purchasing an annual membership to a fitness club will be cheaper than paying for one-time classes.
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