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In­crease your sav­ings!

Herworld (Malaysia) - - CONTENTS - Do you have a money-man­age­ment tip to share? Email it to us at her­world­malaysia@bluinc.com.my. If your tip is fea­tured in the mag­a­zine, you will re­ceive a token of ap­pre­ci­a­tion from us.

Cut ties

Do you have a club or gym mem­ber­ship that you don’t use any­more? It may not seem much, but in the long run, you’d be amazed at how un­nec­es­sary spend­ing on monthly or yearly mem­ber­ships adds up. If you have a con­tract with the gym, check if there’s a penalty fee for can­celling your mem­ber­ship.

STRETCH YOUR PETROL

A sim­ple way to save cash is by mak­ing sure your car’s air fil­ter is clean, as it can im­prove your petrol mileage – which means you get to save money! Sim­ply fol­low the in­struc­tions in your car man­ual or send your ve­hi­cle in for main­te­nance reg­u­larly.

Prac­tise the 10-sec­ond rule

It’s easy to fall prey to buy­ing stuff you don’t re­ally need. Just a stroll down the aisle at a su­per­mar­ket could end with a packet of bis­cuits in your trolley that you’d never eat. To avoid this, start prac­tis­ing the 10-sec­ond rule. When you pick up an item, stop for 10 sec­onds and think about why you’re buy­ing it. Ask your­self if you re­ally need it and if you can’t jus­tify the pur­chase within 10 sec­onds, put it back. This way, you avoid buy­ing on im­pulse and clut­ter­ing­clutte ing youryou home.

CHECK ON YOUR AP­PLI­ANCES

Did you know that most ap­pli­ances have to work harder if you don’t clean out the dust that has ac­cu­mu­lated in it? Conges­tions lead to your ap­pli­ances us­ing more elec­tric­ity, thus mak­ing you spend more. Vac­uum clean­ers, wash­ing ma­chines, and air­con­di­tion­ers are es­pe­cially prone to har­bour­ing dust.

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