Budgeting. It’s a word we hear all across the TV and we’re always reading about in print. However, it’s incredibly useful to do, even when you don’t need to, as we get into healthy money habits because of it. Becoming an adult, and trying to stay responsible as one, is something that’s getting harder and harder for folk these days. So we’re going to need to go easy on ourselves, and make sure we put ourselves in the best position when it comes to trying to be a productive person. Yet, when it comes to doling out a little advice, this is the blog for you. Here’s some for you if you’re finding yourself struggling to get on your feet properly.
We’ve talked a little bit about it before, but let’s get into a little more detail on trying to live happy and healthy on a budget.
When You’re Trying to Be a Homemaker
A main rule for anything on this list is to use comparison sites. They have all the available deals out there laid out side by side, so you can see what you’d get as well as the price on each of them. Energy, internet, water, and heating companies can all get very competitive with each other for new customers, so you can be sure to find a deal for new customers if you’re just starting out on your own, or you need to find a new provider.
Call up any one of your big expense providers and ask them for a cheaper rate. Having a direct action approach can often bring us into contact with the services that aren’t advertised anywhere else, and a company is always going to be happy to help if it means they get to keep you on their roster. You could very well save $1000s per year when you go on the lookout like this!
Similarly, when it comes to using a mobile phone, you’re not always going to be in need of the contract you’re on. If you mainly use the internet to message your friends and family, and as calling people on the phone is becoming a thing of the past, you’re just throwing a considerable portion of money away every month. Try a pay as you go deal instead, as this means you’re not going to go over a cap each time on your 4G service. Smartphones are still available on this kind of deal, so try it out if the phone bill is your sore spot.
When you’re headed out to the supermarket, take a shopping list along with you and make sure you stick to it. You need to be able to ignore all those psychological tricks the companies try to pull when you first walk in, and remember that the freshly baked bread doesn’t really exist when you smell it! Say no and stick to your guns; you’ll soon become an old hat navigating aisles.
For Your Car Needs
Despite the amount of complicated information out there, cars are relatively simple to try and cope with. You’ve just got to understand the bones of them and the policies surrounding them. Try and keep your car use for the essentials, as fuel rates are the ones that are going to hit you in the behind at the end of the day. They’re not fun to look at on receipts, and they’re even less fun to read on your bank bill when you wince at your income for the month.
When you get yourself some cheaper auto insurance, whether that be breakdown cover or all the other unnecessary elements companies try to get you to fork out for, you can save $100s. This can then go on the more essential things, such as your food for the week and into your savings account. If you need some quality auto insurance at a cheap rate, search in every nook and cranny for it. It doesn’t have to take you long, and it can be done long before you even buy a vehicle, which puts you in better road use stead.
Trying to live on a budget, whether because you’re low income or otherwise, is going to take a bit of practice, there’s no denying that. However, make sure you look for all the advice you can to make it a little smoother on you and your finances, and try to save up for the big days when you can treat yourself. Responsibility is that adult feeling after all.