Times of Eswatini

13 ways to save money on tight budget

- - Clever Girl Finance

OuNeElYhha­assgnoenve­eurpbyeetn­atghaisint,igahntdǨ

the look of things, it will Œust inagsgicet­fotiondg miteomresa­cnodstmaon­raeremšpaenndskie­vep. abuledggȂe­t“muiatey lmitearkae­lliytǨseie­vminglikoe­n saatviginh­gt money isn’t possible. ut saving when mtlihfeoin­sntkey.yleivsceat­inghhstmem­lpaa.lSlyoand, ioŒfutybsoteu­ma’rsehnloats­ordktoians­ygyofouour wryeoasuyt sathstosin­uskraevidt­e,itmshǨoaYt­noietuy’sŒoumnsutach­htaigevhae­tstiboeurp­dtuhgtaent­a, little effort into it.

You may be surprised at just how much money you can save with these

hen you go grocery tips!

smalihknae­odklpyeapt­soliuinsdr­gteeǨ,yvtToihahu­etiegskofr­wewoyamity­toh,yyaosouufu­rcl’csl slehtbsoos­epmpilsaei­nctshogs

1. Creatively cut your grocery shopping costs: pbluadngse­atn. dYocaunsah­voouidldba­lolswoinrg­evyioeuwr elgivesten­rienyrtiah­cdionvragn­sytcooeura­epnbldarna­contondsbi­dufoeyrocb­neurytoain­uingr bitsrenam’nt sdm. nuoacmrhme­diaafnnfed­yreitthnee­cmegseb,ntehetrwei­rceietrnee­mathl.lye Insatedadd­it,iŒounst, bduoyn’wt bhuatyytou­sntoecekdu­fopr. the week. This way, you’ll reduce ywoaustdeo­an’tdeaavto. id ending up with food

useslel :yIofuyrosu­tuarffetto­igehatronn“muiocnkecy­a,sthetno

2. Declutter and sell things you don’t fseaevlein­Ǩg. ecnldutift­eyroiuncga­ins msuackhe amgoonoedy wgrheailte­pylaocue’sretoastta­itr,twdehcylun­totetrǫinS­gomare your closet and your kitchen.

Separate your ownanthtsa­fotrnhomat­hnyedobuar­cgnkoebreu­dsrhsnoaen­er.dppuiturpc­t hyaouauser

3. Take a break from shopping for non-essentials: pfmouurrcn­chomaws.oiYnogeuyt’hylleobute­hwisniulgl­rsparyvioe­suebdyreho­aonlwly ynoeuedan. Tohpipsoer­tšuenrictiys­teowbeilcl­oamlseomgo­ivre pawrioarei­toisfeyoyo­uur srpfiennad­nicnegsa. nd help you

ne of the top ways to save money on a tight budget is

4. Carry lunch to work and eat-in styoeovume­rresaealft­pbimluayne­isnaagndwl­ueenaectkh-,ionmr. aIefkayeto­inaugcfoin­nudtscious

more often: effort to cut it down to only once or twice a week. uying cooked

ds up fastǨ

So as an alternativ­e, why not find simple creative ideas in our cooking rspeoacgmi­epesesehvy­aeovrueyca­rmnidtaarœyyiǫnoTugh­tv.eisTuimale­ssahnads

Doof ygoouinrgo­wtonyhoaui­rr hanaidrdnr­aeilsss:eInr sotreatdo the nail salon every week, you can

5. osawovenyo­mduuorrnoi­enwygnbthy­hagitorita­ninmgdoeni­ancielbsae­omtnwoyeno­etunhr.. uputotnhof­rsoemprtho­edubcetasu­ytyousu’vpepsltyos­ctkoerde to work for you. It’s a great way to save when you are tight on money.

aying yourself yoonufeiyr­sitsitsigt­het.keoymtoast­atevrinhgo­whleitntlm­e

6. Pay yourself first: might earn or how much eštra you yaosiudrem­sealfnfair­gset.tYoosuavse­huopu,ladlwtrayy­tsopsaeyt iantcleoam­steͳinͲtpo­eyrocuerns­taovfinyog­us.r monthly spooetnhda­isttawhtat­athymeyboe­nugeiaynrn­eoinngoant­oytfetthhm­einpmgteoe­dnlsteho.

If you’re uswht tocopomara­pokuetnaed­rbbiogerpf­dourirneci­yhnoagusre­bo,uosaym.yYftooaura­bablneoe,

7. Compare before you buy: melsigehot­rfinydoua bmeitgtehr­tdreallsis­oemtehwath­tehre cheaper model actually has more of ethšepfenastui­vresoynoeu. woanmtptha­arnintghep­mrioceres and getting deals is essential when you are living on a tight budget. wbyynouowr byuodugael­troefatden­y:haovpeeaRf­uevlliye, budget set up. ut that doesn’t mean

8. you should Œust set it aside and not think about it. Take the time to trweviicew­a ymoounrtbh­u. dget at least once or yoaukre sauvrienyg­osuaanrde sopnetnrad­cikngtogmo­aelest.

id you overspend in a categoryǫ

Think of ways you can eliminate that eštra spending. egularly reviewing your budget is important when you

Tarreatcik­ghyt oounrmsopn­eeny.ding: If you’re having a hard time creating a budget anlldosfay­voinugr mspoennedy,instga.rTt rby ktreaecpki­ng a spending Œournal to track your smypooeunn­aedryien. ghavnidntg­hwe ehmenotyio­unadlotrsi­gpgeenrds isngcoeiny­go,uit’ksneoawsie­wrhtoerfie­nydoouurtm­wohneerye you can cut your spending. Tracking your spending is one of the simplest ways to save money on a tight budgetǨ

ne of the best ways to motivate yourself is to create gaosaplesc. iTfircyatm­o mouankteea cghoaml onf sthavaindg

10. Create goals: stiemttein­yoguadsoid­seomsoemth­einmg yoonue’rye etrvyeinry­g teoartecin­laimngcoie­nulat.theaftrgoy­mmysouubrs­cbruipdtgi­oent, alinkde put the money in your savings acywcoaulk­nr tsmkinoips­rtsneaiant­dghȂsooamr­ftevrinean­tllhi,neygowsuia­ncratoenur­ndodor yYou’rll nmeeigethy­bourrshaov­oindgtsogk­oealeipn fnito. time, even if you are living on a tight budgetǨ

There is ninogbsett­htaenr wbyaytatok­iknigckosn­taartcyhoa­ullrensagv­e-.

11. Take a savings challenge: TstheepseI­cmheanllet­inognebsun­toatlsoond­lyectoaivl­emr othre about how to make a budget work for you and tips to save even more. The key is to pick a money savings cYhoaullce­anngme tahkaet iytofunwbi­lyl shtaicvkin­tgo.your farciecnod­usnŒtoainbyleo­Ǩu aondn’ktemepaeka­echsaovthi­negr money become another new year’s 9. resolution you don’t keep.

utomating your savings is your

12.nAeušttobmesatt­feri,eanudtǨoSm­tuadtiee,sasuhtoowm­tahtaet:

people who automate their savings save more than people who don’t. wihthyǫthe­eircaduesp­eotshitesy. sstaayrceo­snuslti,sttheenyt don’t give themselves a chance to doTrehbnea­ofute.ndwshheatv­heerbethen­eyaushtoom­uladtiscaa­vllye anssdigtnh­edy’dtohtahvee­irtosatvai­knegesšatcrcaosut­nepts, to spend itǨ utomation is one of the easiest ways for you to get better wuitthoymo­autrimngon­yoeyuǨr bills is the key to success for tight budgeting. It prevents you from paying your bonilllsat­laetfeewsh­Ǩ iScohysoau­vesseey,oitu’smaownieny­win. irte’sgiumlapro­lyr,tbaunt ytoureavli­seownyeoed­urtobumgda­agkienet

13. Make tight budgeting and saving easier with a budget app:

tight budgeting easier so you will batocuptdu­ogaefltlyy­ionsugtrai­cfpiknpwaw­niitclhleh­syeaolnpud­ryofbiunud­dstgmaeyto­o.rne wThaiysswt­oasya, yvoeuwchae­n fminodnwey­ayissttiog­hctuǨ t ešpenses so you can save even more mbuodngeey­t.Ȍ ohreckinot­utoYget stȋaYroteu­dn.eed a mThoenreey­aorneastoi­gmhtabnuyd­wgeaty. Ysotuo dsoanv’et hgraovwe tyo ustrasrave­inygosuarc­sceoluf nint.orhdaenrce­tos are there are one or two subscripti­ons or spending habits you can eawlimayi.nate from your budget right

ven if you Œust pick a couple of itfhyeoaub’orveewtoip­nsd, tehreiyn’grehaogwre­taot staavret money right nowǨ

HOW TO BE BETTER WITH MONEY

EVER felt like it’s such a struggle to be good with your money? The good news is that being good with or getting better with your money does not have to be difficult. The trick is learning various ways to curb your spending and save money that isn’t overwhelmi­ng. By starting good money habits and dropping bad ones, you will get better with money and reHacehrey­oaurrefi1n­0antcipias­l gthoaaltsw­inillnosit­mimpeli!fy 1tgh.eeWt wboearktyt­eoyrnowuyo­itthhuirni­tmk! oanboeyutm­ainnddsdee­ta: lIfwyoithu your money. This, in turn, helps you wdweoacrnk­itdinteogy­booenuygoa­ouorerdmrw­einiatdhds­yoe.rtTagnhedi­tsbememtet­peaornwas-t managing your money, you must first ering yourself mentally to succeed. A way to stay empowered could include keeping a journal, saying affirmatio­ns, reading books, watching motivation­al videos, or getting a mentor. These are all ways to keep your mindset in check. You may have heard the saying, “you become what you think.” Well, if you want to get better at managing your money, you have to keep it at the top of your mind.

2. Set specific and measurable goals: You probably have a few goals that money can help you accomplish, right? Setting goals helps you lay out your ‘why’. It also gives you something to work towards or, in other words, a reason to be better with your money. As you set your goals, keep in mind that you want them to be measurable. You also want to break your big goals down into small easy to digest chunks, so you don’t get overwhelme­d from pursuing massive goals. A good place to start is to focus on getting one per cent better each day.

3. Create a plan for your finances: When you have a plan in place, it’s easier to get where you are trying to go. Once you’ve laid out your goals, you want to create a plan to achieve them. How exactly do you intend to pay off your debt, save for retirement, bulk up your emergency savings, put money aside for your other goals, and do all the other things you might want to do? Well, a good place to start with laying out your plan is to determine how much each item will cost you. Then determine how much time you need and then set things up to start designatin­g funds towards each of your goals according to the priority you have assigned them.

4. Make budgeting your best friend: I know, I know, not a lot of people love (or even like) to budget. However, if you are really serious about getting better with money, you are going to have to fall in love with it. Your budget is basically there to help you track your spending against your income. Your goal should be to spend less than you earn and widen the gap between your income and your expenses so you can free up funds to accomplish your goals. The key to budgeting successful­ly is finding a budgeting method that makes things easy for you and one you like.

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 ?? ?? A woman shopping vegetables at a supermarke­t. (R) Automating your bills is the key to success for tight budmgeeatl­isnagd.
A woman shopping vegetables at a supermarke­t. (R) Automating your bills is the key to success for tight budmgeeatl­isnagd.
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