With some simple rules, you could have followed them every year, but since you did not, start this January 1st.
Keep notes of what you learned from the process
It may seem like a boring thing but in the end you will be surprised at how much waste you sometimes spend. Keeping track of your expenses will help you become more aware of where your money is going.
Follow the 48-hour rule
We’ve all done it: buy something in the euphoria of the moment and then regret it when you bring it home. To prevent the feeling of regret after the purchase, give yourself 48 hours to reflect. If when you leave the store you think it is not worth coming back to buy the item you had in mind, you will most likely not regret not buying it.
Start saving a little
Why stress over large spending periods when you can plan? For example you can start saving now, a little each month to secure summer vacation money. Calculate how much you plan to spend and how much money you will need to save each month to achieve this. Note these too.
Keep the money in the bank
Open a savings account in addition to where you get paid to create a gap between the money you spend each day and your savings. And since transferring money from savings account to current account usually takes some time, it can help you to curb impulsive purchases.
Ask for what you want
It is amazing how many things in life are negotiable. Start shopping for different purchases, with practice you will improve.
Talk about money
If you're like most people, it would be better to talk about seeing a gynecologist than money. Do not avoid such conversations. If your friend knew that you were trying to save, she probably would not invite you to drink cocktails every day. If your boyfriend knew you were trying to set up an emergency fund, he would probably help you with ideas on how you can do this.
Source: Huffington Post
