You can’t afford disability insurance? Here are ten really good ways to save money. By the way, without you having to bend for it.
Do you know the? The salary comes and one has just so his expenses. It’s consumed and you always make ends meet, you’re not in debt, but there’s nothing really left over either. In the following 10 tips you will learn how to save money sustainably, without having to do without.
1. Tip: Overview income/expenses
If you want to save money, you should really first of all get an overview of your income and expenses. For this you should go through your bank statements of the past twelve months to really not forget anything. Write everything down in detail, including annual amounts broken down into a month. The best way to do this is with an Excel spreadsheet, here you get a template to fill out.
In addition to all the fixed costs, you should also note how much you spend on average on food, clothing and free time.
This first tip is really extremely important, because you need to know how much money is currently freely available and to identify the first savings potentials.
Positive side effect: If you want to take out occupational disability insurance, you already know approximately how much occupational disability pension you will receive at least should secure.
2. Tip: Check contracts
You now know what you pay every month for electricity, insurance, cell phone, gym, magazine subscriptions and so on. Everything that you no longer need or use, you should cancel. Check everything else. We will gladly help you to optimize your insurance costs – with at least the same level of protection!
You should also check your other contracts, as there is really incredible savings potential here!
3. Tip: Pay annually
Yes, monthly costs are clearer than yearly ones. But the savings, which you have with annual payment, is sometimes really enormous! Especially with insurances, surcharges for monthly debiting of 5 – 12 % are not uncommon! To earn this interest, you already need a good investment!
In order to keep it nevertheless clear and from large surprises to remain spared, I have still another tip. A tip within a tip, so to speak: Set up a separate debit account from which you can deduct all fixed costs. Here you transfer a constant monthly contribution, in which you include all costs that arise during the year. This way you save the high costs of monthly payments and it doesn’t matter when the annual premium for the car insurance is debited – the money is ready to go!
4. Tip: Save money at the beginning of the month
After you know your income and expenses, you should consider how much money you can save. The amount may also hurt a little bit. You put this money aside directly after receiving your salary. Please do not wait until the end of the month to do this. Experience shows that saving money works better when the money is already out of the checking account.
5. Tip: Ride a bike
My personal favorite tip: get on your bike more often instead of taking the car. It saves money, protects the environment and is good for your health.
A little over a year ago I switched almost completely to cycling. I always notice that on short distances I am often faster or not much slower than by car. Often you can take shorter routes, do not stand in traffic jams and do not have to look for a parking space. I also always find it amusing that many people drive a super short distance by car to the gym to then, z.B. on the bike, to warm up. Why!?
6. Tip: Plan your shopping
Buying in bulk can also save you time and money at the same time.
Plan your purchases so that you can reuse food. Especially with vegetables you often do not need everything and you throw away a lot. Plan your diet so that you can continue to use leftovers. If you buy broccoli that is too much for one dish, plan another dish with it. Or cook more right away and eat it again the next day.
stick to your shopping list and avoid unnecessary impulse purchases. Especially if you go shopping when you’re hungry, the bill can be higher.
With frequent purchases, there are usually more small impulse purchases than with less frequent bulk purchases.
7. Tip: Pay cash
I myself am a huge fan of card payments and am happy to be able to pay cashless at the bakery by now. The last time I withdrew a large sum of cash, I lost my wallet afterwards. The money was gone, but at least the wallet with all the cards etc. found its way back to me.
However, it can be a good tip to pay in cash. When you withdraw money, make a firm commitment to yourself to when it has to last. This makes your budget more tangible and makes you think twice about whether you really need something.
8. Tip: Drink tap water
Half the world envies us for our tap water. Water that is clean and available at all times. And what do we do? Buy expensive drinking water that has come to us over hundreds or thousands of kilometers from France, Norway or the Fijis.
Tap water is drinkable almost everywhere in our country. With older houses one should accomplish before durable consumption a drinking water sample.
This tip is also particularly compatible with tip number 5&
If you like it sparkling, you should think about a water bubbler. Also with this the water remains cheap and you save yourself the Schlepperei.
In recent years, we’ve really noticed how the acceptance of tap water as drinking water has continued to grow, especially among young people.
9. Tip: Capsule coffee and coffee-to-go
I love good coffee! When I tell people that I pay on average between 25 and 30 EUR per kilo for my beans, many people are shocked at first and find it incredibly high. A kilo in the supermarket costs more than 15 EUR in the rarest cases.
But capsule coffee often costs 80 EUR and more per kilogram! Just like the coffee-to-go, which is often not worth the money by far. Saving money and enjoyment don’t have to be mutually exclusive: I prefer my coffee shop to any coffee-to-go from a big chain store.
Depending on Vebrauch, comes there monthly quite beautiful what together. And you also don’t need an expensive machine to make a fantastic coffee. It is important to use fresh beans and to grind them just before preparation!
10. Tip: Impulse buying
Impulse buys often turn out to be bad buys. In general, you should think about buying something need or something Want. Especially if you don’t need something, you should think about if you can really afford it (and of course you want it)!).
Therefore, here are two little rules.
Smaller purchases: wait ten minutes and think at least these ten minutes about the purchase!
Larger purchases: Wait four weeks and then consider whether you still want it so urgently!
I have, for example, from time to time the desire to exchange my portafilter machine (here we are again on the subject of cafe) against an even more great model. The cafe will not get better and not worse. Each time I think again four weeks about it. So far, it has been every time that I would still find the other model nice, but no longer want it so badly.
Save money summary
There are many ways to save money without sacrificing anything. Everyone must find his own way and consider what is right for himself. It is important that renunciation is definitely part of it! I am also convinced that you can only really enjoy things in this way. Who buys everything directly, will have usually only very short joy in the new acquisition.
If you follow the tips, easy is an occupational disability insurance and still some saving in it! With the occupational disability insurance I help you with my strategy that this does not become so expensive and is also compatible with the savings. So that you do not have to worry about EVERYTHING must save, because you get no more coal.