There is no need for complicated strategies to save money in the new year.
If you're like most people, you just need to say "no" to unnecessary spending -. those that drain your bank account and give you little in return
Here are 10 ways you can say no to spending money on things that you regret later:
1. Do not talk to vendors unless you started the conversation.
This is true for sellers at the mall who jump out of their booths and start talking, and sellers who call during dinner.
If you have not went to get them, we do not need to stop and chat.
2. Do not take gifts sellers.
Giving away free stuff works.
This is why you should not go to timeshare presentations, unless you're actually shopping for a timeshare or take free samples if you do not buy cosmetics department stores.
3. Clean and straighten your wardrobe / closet / pantry before you go shopping.
You may decide that you have enough. At least you can have a better idea of what you really need.
Anyway, you can spend less know what you already have.
4. Cut down on trips to the mall, big box stores, or any place where you are spending money.
Try to go to some stores and not buy anything unnecessary is like trying to jump into the ocean without getting wet.
5. Shop online.
It is easier to buy the only thing you need online and place your order as the wheel of a truck all the way through a store without something unnecessary jump in the basket .
6. absolute rule never to buy anything from solicitors at your door or phone.
Never.
7. Before buying something, think about how you will feel about this purchase in a month or a year.
Would you even miss?
8. Treat yourself without spending money.
Ask a friend for coffee. Discover the films in the library. Go to free community events. Or just put the list of things to do and relax.
9. Spend time with those who spend smart.
Put peer pressure to good use. When you hang out with people who are good with money, you find it easier to do the same.
10. Keep your eyes on your goals.
Write your goals, such as creating an emergency fund or buying a car, and post them where you see them on a regular basis. Some people like to put photos where they can see them.
It is easier to say "no" to unnecessary expense when you have very good reasons to do so.
What's your escape plan when you are stuck with a very persistent seller
photo credit: Marc falardeau via photopin cc
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