We’ve all been there. Counting down the days ‘til payday, promising yourself that you won’t splurge this time, only to realize that your money’s almost gone just after a couple of days!
While you didn’t exactly purchase something big, you’re spending on tiny costs that accumulates into something too significant to ignore. So look back and check if you’re still cashing out on the following:
- Lottery Tickets
Who wouldn’t want to be an easy-millionaire, right? But is constantly betting on lottery worth it? A single ticket might not be much but if you assess how much you’ve already spent on these, a realization might hit you that you could’ve bought something more worthwhile – or better yet, saved all these and actually have something in your bank account for a change!
- Overpriced Coffee and Takeouts
Yes, yes, it’s the price of convenience but if you could adjust your lifestyle a bit (e.g. waking up 30 minutes earlier), you’ll see how much you could save if you prep your own meals and caffeine fix! Your wallet (and your body!) will thank you for it.
- Branded Items
The tendency to lean towards what’s “in” and trendy is part of human nature. But if you really want to stay on the practical side of the spectrum, stick with clothes and other items without the shiny brand name attached to it especially during one of those shopping sprees. Sometimes, you won’t even notice the difference!
- Unused Subscriptions
“I need it!” But ask yourself – do you really? Is paying several pesos every month worth it for something you rarely use? Don’t be afraid to click that unsubscribe button and free yourself from spending extra bucks on that cable channel when you never even watch television anymore.
- Unnecessary Banking Fees
From withdrawal fees to deposit charges and even loan interests, these seemingly insignificant deductions can actually contribute to a whole bulk of your expenses! While it cannot be completely taken out, why not try to minimize these? When in need, skip the sky high rates and get your loan with 0% interest. Yes, you’ve read that right and it is indeed possible through cash lending corporations such as Cashwagon!
At the end of the day, it’s still up to you on how you’ll budget your finances. Also, it’s completely okay to treat yourself with these things once in a while. Just a reminder that if there are alternatives ways to save up, grab the chance to avoid wasting your hard-earned money!