Encontrar maneras de ahorrar en tu presupuesto diario requiere que seas más consciente de cómo y dónde gastas tu dinero. Hay muchas oportunidades para ahorrar a tu alrededor, sólo debes tomarte un poco de tiempo para descubrirlas.
Ahorros diarios
Ten en cuenta todo aquello en lo que gastas de forma regular como pueden ser comestibles, café o servicios públicos entre otras cosas. Si haces compras regulares en tiendas específicas, pregunta si tienen programas de recompensas o tarjetas de fidelidad con las que puedas conseguir descuentos, tarifas especiales e incluso recompensas por el uso frecuente. Así por ejemplo, tu tienda favorita de batidos de fruta puede ofrecerte una bebida gratis después de comprar 10. La mayoría de los supermercados tienen programas de fidelidad que ofrecen descuentos exclusivos. Por otro lado, comienza a buscar anuncios en los periódicos para ver si tus tiendas favoritas son en realidad las que tienen los mejores precios. Echa un vistazo a las ofertas semanales y crea un menú para tu semana de acuerdo a lo que haya en oferta. Trata de cocinar grandes cantidades de comida durante los fines de semana -que es cuando tienes más tiempo-, de modo que te quede algo que puedas congelar y utilizar durante los días de trabajo para que no te veas tentado a pedir comida o a salir a cenar fuera. Esta sencilla medida puede ayudarte a ahorrar cientos de dólares cada mes.
Pasatiempos y hábitos
Una de las áreas en las que es más simple ahorrar dinero, es en el pago de los servicios públicos. Muchos de nosotros dejamos televisores, radios y computadoras encendidas cuando no las estamos usando. Si apagas tus equipos junto con las luces que no estás utilizando, ahorrarás mucho dinero. Prueba también colocando tu termostato en ajuste automático en vez de alto. Mantendrás la casa tibia durante el invierno y reducirás el costo de la calefacción. Es muy simple ponerte un suéter o ver la televisión con una manta si aún tienes frío. Repasa con cuidado tus aficiones y piensa: ¿hay una manera de reducir los costos? Quizá puedas ahorrar mucho al comprar un equipo especial de segunda mano. Tal vez por otro lado, estés pagando una membresía por hacer algo que podrías estar haciendo de forma gratuita. Si por ejemplo, eres un entusiasta de los videojuegos, alquila juegos en vez de comprarlos para ver si realmente son algo que te gustaría tener. Planifica una noche de cine familiar con palomitas o golosinas preparadas en casa y alquila una película. Verás como podrás entretener a toda la familia por menos de US$ 20. Eso es una gran diferencia si lo comparas con tener que pagar US$ 20 por cada persona, por una entrada al cine con palomitas y refresco.
Aprovecha los servicios en línea
Aunque no lo creas, hacer compras en línea puede ahorrarte mucho dinero. Este tipo de servicio te permite comparar fácil y rápido los precios entre competidores. También, a menudo se pueden encontrar bonos de descuento en las búsquedas de Google, sobre todo cuando se trata de comprar boletos para parques de atracciones o artículos de promoción en tiendas y almacenes. Basta con añadir la palabra «cupón» a la búsqueda de tu artículo, servicio o tienda, para poder enlazarte a sitios que proporcionan códigos de descuento para compras en línea. Otro truco que puedes aplicar en línea es llenar un carrito de compras con todo lo que te interese comprar y a continuación, esperar a que la tienda tenga una venta de remate. Si tus artículos se ponen en remate, te beneficiarás mucho por esperar una semana para completar la compra. Es posible que ya no alcances uno que otro artículo, pero esto podría ser un filtro que te ayudará a determinar si realmente lo necesitas. Desactiva las cookies en tu navegador para mantener un carro de compras activo durante más de un día.
Fuente: thesimpledollar.com
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