To start thinking like a true saver, downloading the Good finance app can be a good step. This free application allows you to monitor the movements of all your banks and cards organized in categories – what you spend on gasoline, supermarket, clothing, etc -, shows you graphics and ad hoc recommendations and alerts you with alerts that everything happens with your accounts: notices of duplicate movements, commissions, low balances in account avoiding being penalized by your bank, etc.
Now that you can keep your accounts organized effortlessly thanks to Good finance , pay attention to these five simple tips to change the way you spend money, and especially your way of saving it:
Learn to live with less, you can
What we can end up saving by dispensing with some expenses that seem irrelevant is surprising. To get out of doubt, you just have to have your Good finance app on hand and see in a couple of clicks how much it means per year, for example that everyday coffee at the bar. Put on that it is € 1.20, which is € 8.4 per week, € 33.6 per month and € 403.2 per year surprised, right? Well, imagine how much you could save by scratching on this and other things that, let’s be honest, you don’t need to.
We recommend that you make a budget with your Good finance to let you know at the moment you are going off the line. The best? You save without practically doing anything.
Keep in mind that every penny counts
In addition to what was said in the previous point, putting on a small savings challenge every week will improve your economy in a way you can’t imagine. Start by saving something that in principle is not very difficult: maybe 6 euros, which would cost you a couple of coffees with skewers at the bar. No amount you can save is small. If you save about 30 euros a month (one euro a day), we are talking about 365 euros a year, a figure that is not negligible if you add it to the € 403 that you already save at point # 1, so You would save € 768 by the end of the year. He thinks saving is, in a way, the running race, the marathon.
Observe and take advantage of ways to save at work
If your company proposes diets, food checks, or gives free coffee and snacks, use them in your favor! They will help you reduce considerably those unnecessary expenses that we talked about before. There are other companies that propose pension plans, value them! Ask them for more information if you need it and take advantage of the opportunity they give you.
These and other products will help you with your saver strategy. Align yourself with your work, with your company, to plan your future, since they are the ones who contribute the vast majority of your income, it is usually a good idea. It doesn’t matter if you are your own boss or an employee: turn your livelihood into your main means of saving.
Tattoo the word ‘budget’ in your day to day
If we learn to be governed by realistic budgets and savings goals we can assume, our finances will experience a qualitative leap. We will not only notice it at the end of the month; A good budget policy can save us the year, or give us a financial margin for things we didn’t think possible.
Budgeting is not synonymous with restricting, nor does it mean that we have to live without allowing ourselves a whim from time to time. No one saves to feel unhappy, but to achieve greater, freer happiness in the medium and long term.
In order not to overwhelm you using an Excel or fill a book of numbers and juggle the calculator, use your Good finance . The app generates an automatic budget that you can vary according to your needs and, thanks to the app’s alert system, you will avoid unnecessary scares.
What does your brain think about spending and saving
Neuroscience has advanced a lot in recent years and has given rise to areas of study such as neuromarketing, which tells us how we perceive a brand, what a price or another transmits to us … And that has found out that the act of paying , of spending money It produces pain. Before an invoice or a meal ticket, our brain makes the act of paying hurts. In this case, saving money makes us feel good, and our mind takes it as a reward.
If there is something that savers have in common, it is their height of sight, their discipline and their patience. They are reflective and very little impulsive, or at least control that impulsivity. We have to understand that coffee we don’t drink today is a punctual punishment, but a grain of sand for a greater reward. If we are visceral, we will rarely make intelligent financial decisions.