Although in Anabel.al there are many articles dedicated to your personal finances and the best savings methods, they thought that the best solution per day like these would come from experience.
How have Albanians managed to manage their income in a very uncertain time for the economy? Many have faced reduced wages, layoffs, and even worse job losses. Therefore saving is more necessary than ever. After asking them on Anabel Facebook and Instagram, Anabel_media, she concluded that Albanians have some unprecedented methods of saving.
* 1. Salary sharing: 70% - 20% -10%
"My strategy is very simple to follow on a daily basis, not only in quarantine time. We are assuming that my salary is 50,000 ALL. So the salary is 70% -20% -10%. That is: 70% = 35,000 ALL food expenses , I divide it for 4 weeks of the month, it is around 8700 lekë per week. 5000 lekë are used for the list of main (basic) foods and 3500 lekë for daily expenses (vegetables, milk), so things that are needed for that day.
I do the separation for weeks, preparing a meal plan for 7 days by combining it with the leftovers. It is important not to touch the budget of the following week because it upsets the balance. From week to week, some foods may not even be used and this makes me less upset next week. 20% = 10,000 I call it as an emergency budget, which I use for unspecified things; when I was free to go out or buy some cosmetic product for myself. 10% = 5000 lele I call a savings budget, or money needed for a loan, debt. This method never leaves you without money at the end of the month. So go ahead with the plan! "
* 2. List, list, list!
"Make a cooking list every day of the week so that nothing goes wrong and you don't buy things you don't need. Vegetables that you may not need much, cook the first few days, and those that can resist I leave them in the fridge for the weekend. I have been supplied with basic food for 1 month and I buy fruits and vegetables every week.
If you are tempted yourself, you can send your husband to the market, always with a list ...
* 3. Give up ?good things? and face temptations!
* 4. Keep the money fixed, neither less nor more!
"I always come out with fixed money in my wallet, no less and no more. Away from the thought" I am taking them with me to have. Never use cards because it creates the idea that you are not spending too much, as you do not see cash. Never order out. "
* 5. Think more than 2 times whether you need something or not.
If instinct tells you you don't need it, get rid of it and don't buy it.
* 6. Healthy eating costs less than unhealthy food!
"Buy greens, seasonal fruits, chicken fillets, etc. Reduce and buy clothes and so on."
