Saving a bit more...

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Pope33

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What is some tips you guys can give to save on day to day living? Cheap ideas to replace the expensive things in life?
 
Stingy people are generally rich people. Don't give and you ill save :whistle:
 
1.) Stop trying to keep up with the Jones's
2.) Don't get sucked into believing you need a more expensive car the more you earn.
3.) Cook your own food.
4.) Exercise & keep healthy .
 
Draw money at the beginning of the week, and use that instead of swiping your card.
You'll soon see how much you actually spend, and handing over you hard-earned cash stings a little more than just swiping all over the place.
 
saor said:
1.) Stop trying to keep up with the Jones's
2.) Don't get sucked into believing you need a more expensive car the more you earn.
3.) Cook your own food.
4.) Exercise & keep healthy .
Click to expand...

The last point has a two fold effect. It gets you to stay away from the malls and such in your free time and you end up getting healthier in the process which boosts confidence. In the end you spend alot less.
 
saor said:
1.) Stop trying to keep up with the Jones's
2.) Don't get sucked into believing you need a more expensive car the more you earn.
3.) Cook your own food.
4.) Exercise & keep healthy .
Click to expand...

4. is to expensive
 
Don't do groceries everyday.

You will always take more than what is needed.

Do a weekly list and go out once a week to get the required items :)
 
Buy your fruit and veggies from fruit & veg city instead of woolwroths.
 
This is what I've done in the last 3 months to save:

Started a liftclub to work vs using the Gautrain. Monthly travel expense went from R4500pm to R900pm. Using my car only once a week in the month. It's a bit of compromise when you are done early but have to wait for the rest of the guys. But hey, well worth the extra R3600pm.
Total saving pa: R43 200

Second:Was a vitality member and had the credit card as well. Total monthly cost R199+R42.50. (Feb 16, discovery card will be R50).
In the past year, I saved R331. So found it pointless to spend R2988 for the year to get back around 11%. Cancelled both membership and card.(However if you a frequent cinema viewer + gym, it will be worth your while).
Total Saving PA: R2600

Third: Got a Virgin Credit Card with no monthly fee's.

Fourth: Contacted my broker to renegotiate my car insurance premium. Saved extra R50pm (Not great but hey, still R600pa).
Total Saving PA: R600

Fifth: Stopped buying tea from the coffee shop at work.Roughly R260pm
Total Annual Saving:PA R3120
(Having water instead haha)

Pending 2016:

Cancelling both VC contracts for the wife and I and moving to prepaid. Will no longer be hunting for premium Android phones , P8 Light for R2k purchased via a forum/carb/gumtree will more than suffice. Currently paying R510 + R528 pm (R12 456 pa). With the change to Prepaid, expected monthly expense for the two of us will be R600.
Total saving PA:R5 256

Changing my bank from Standard to Capitec: Currently pay R95pm for Standard Bank. Capitec charges will be close to R40. That's another R660 per annum.

Thats it for now, will post again once I reduce any more monthly expenses.

Finally, changing my mindset from worrying about keeping up/showing off has made the biggest difference. Not bothered about fancy clothing/gadgets. MRPrice will more than suffice.
 
Last edited:
Nokkie said:
4. is to expensive
Click to expand...

Before gym I used to walk in the park. All it cost was the fuel to get there. Also buy dumbbells from any sports store. Add a couple sit ups and you'll start seeing a difference.
 
Before every purchase, ask yourself "Is this stupid ****?". It actually works - so much money goes to reflexive spending, and impulse buying, just forcing yourself to think every time you take out your wallet or put something in your trolley can work wonders.

I also second the comments on the Jones's and buying things for appearances - it's so much better to actually be wealthy than it is to pretend to be so. True wealth isn't about driving a flashy car, it's about not having to worry if you're out of a job for a few years (or ideally forever).
 
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