When we started to rain on our everyday habits, we got us a surprise. There we spend lots of money in everyday life is everything from snuff, soda to “takeaway” -food.
– You can of course indulge in cosiness in everyday life, but how you choose to spend money, all about priorities . If you think it’s worth spent the thousand labels on soft drinks a year, you have to forsake anything else, says consumer economist Nigel Sandmæl DNB.
Here are 8 bad habits we have in everyday life:
SNUS:
A box every day: 83 million in shop = 30,295 per year
Sandmæl comment:
– This is a bad habit that many people do not think how much does the course of a year. I advise anyone who sniffs and smokes to calculate how much they spend and taste if it’s worth it. Think of other things you and any family can spend money on instead. Often save target a motivation in itself to stop sniffing – whether it’s a vacation you’ve been dreaming of, or repayment of expensive debts that bothers your sleep.
SMOOTHIE ON BAG FOR CHILDREN:
Every day, 18 million in shop = 6570 per year
Sandmæl comment:
– This can be replaced with a fruit, or you can make smoothies at home even to servers one bottle. Small amounts of daily life becomes large within a year.
COFFEE OUTDOORS:
4 days a week: A latte at cafe 35 million = 7280 million a year
Sandmæl comment:
– Of course, one can indulge in a latte now and then, but it can be useful to calculate how much you spend on coffee a year. Maybe you want to drink coffee more free to work or take your coffee at home.
TIPPING:
Weekly: 150 million = 7800 per year
Sandmæl comment:
– There is little chance of winning in gambling. However, what is certain is that your money will grow if they save instead. Set 600 a month instead of a mutual fund that has an expected return of 7.5 percent, you can after 30 years have saved up nearly half a million before tax. It may be a nice bag of money to spend in retirement.
COCA COLA ZERO:
Every day: 22, 40 million in shop = 8153 per year
Sandmæl comment:
– Again, it’s about priorities. Extinguishing thirst with water, you can get a nice vacation trip or you can buy yourself something you have long wanted.
TAKEAWAY:
Two days a week: 260 NOK week = 13.520 per year
Sandmæl comment:
– You can save a lot of money to make a lunch and cook at home themselves. I think many turn to ready meals because they have not planned the food that week off. By making a meal plan and shop for a week at a time, save you money, time and the environment.
ALCOHOL (out of town):
10 units a week (here we averaged the editorial board): 85 million in city = 44.200 million.
Sandmæl comment:
– You can save a lot of money on drinks before going out on the town. To spend so much money in a single year can provide a proper financial hangover.
CHEWING GUM:
4 packages per week: 15, 40 million in shop = 3203 per year
Most of the food
Sandmæl think many do not know what they actually spend their money on.
– 30 percent say they do not know how much money they spend on food month, 28 percent said they have no control over smaller purchases at kiosks and cafes, and 21 percent do not know what they spend on clothes and shoes in a month.
Consumer economist believes therefore that potential savings are greatest on food and small purchases .
– The reason we have at least an overview of matposten is enough because food is something we must have. I think many people can recognize themselves in it to trade frequently, often aimlessly. Growling stomach, harbors the happy lot of you may not need, or already have in your shopping cart. Planning is the key. Although I create a meal plan with your family each week. We decide what we should eat for dinner every day, so great is all i once a week, says Sandmæl.
Sit saving targets
In order to gain financial control is you have to go the old economic sins, and create a budget, says consumer economist.
Here is Sandmæl advice:
1. Go through old sins: Check what you have spent money on the last six months. It may be that you already have a ready-list in the Internet bank of what you have spent money on.
2. Get an overview of all your fixed expenses: Set aside money for bills that come and make love to the quarterly or semiannual bills monthly. Remember NRK license maturing on January 31 and July 31, and the annual fee on car maturing on March 20. Create also debits or e-invoicing so that the bills are paid on the due date.
3. Peel away unnecessary expenses: Which expenses you will cut depends on what you want to prioritize your money. Is buy-coffee worth the thousand labels a year, or would you rather spend your money on a vacation? Need all TV channels, what about your subscriptions, use all? Can you save money by switching suppliers? What about your insurance, it is the best and cheapest? Bargain when you buy things? Are you writing a shopping list and grocery shopping once a week? Are you aware to act when there are sales? Rearrange your finances and get sorted the way you want. And why spend more when you can spend less!
4. Set yourself a savings goals: Place some specific savings goals. Then it becomes easier to know how much money you have set aside and how to put the money. Moreover, it is more motivating to save. Savings should be made monthly so you get a structure on it. Pull a fixed amount as fast wage comes into the account. See how much you need to save monthly to reach your goal with a savings calculator.
5. Set up a budget: You can do this in my finances under budget feature, that way it becomes easy to follow. If you are unsure what you should put in your budget, you can use SIFOs consumption calculator that point. It shows what a general consumption in Norway is.
6. Follow up your budget: It is important that the budget not only will remove numbers, but that you follow up. You get set up online banking, it’s easy to follow. If not, keep the receipts. Having for example a tablet at home where you write up expenses. Do you have children, this will be good learning also for them.
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