black friday money budget

9 Frequent Mistakes, Making You Lose Money

This costs you more than you think.

1. You give in to impulsive purchases on sales

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“Black Fridays” and “cyber Monday”, Christmas and New Year’s sales – all this is organized for you. Even if you do not need another coffee maker, a second set of perfume and the sixth smartphone case, you still buy it. Because with a huge discount.
What to do

  • Specifically disconnect from news about sales.
  • Remember that many sellers set fake discounts. Do you really want to be deceived?
  • Make a list of what you really need, and buy only these things.
  • Choose goods with an exclusive discount with one condition: first, a thorough inventory of what was purchased during the previous “Black Friday”.
  • Allocate a certain amount for purchases during sales and not exceed the limit.

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2. You do not follow sales

The reverse situation: you do not look where and what you can buy cheaper. And in vain. Many shops arrange days of sales, when fresh and quality products can be purchased at very competitive prices. And this is a good saving.

What to do
Subscribe to the mailing list of stores where you most often visit. Or download a special application that will collect the most beneficial offers and tell you about them.

3. Do you prefer to buy ready-made food, and not cook it yourself?

Cutlets, salads, garnishes from the department of ready meals in supermarkets will cost you at least twice as much as if you made them yourself. Or at least bought a semi-finished product.

What to do
Cook yourself. Accustom yourself to paint the menu for a week. Then the food will not be monotonous, but you will not want to “something delicious” in the evening.

Buy only those products that are needed to prepare dinner. This will save a decent amount and move to a healthy diet.

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4. You throw away food

Yesterday’s macaroni, a little hardened bread, dried up cheese, an open can of peas – all this goes to the basket to make room for new purchases? So you spend more on food than you need.

What to do
Try to put the experiment: do not go to the store until the refrigerator is empty. And fantasize. To invent your dish and feel like a chef is priceless. Here’s how you can use the stale products:

  • From unapproved kefir you get excellent pancakes and fritters.
  • Butter can be turned into an exquisite additive for sandwiches. Mix it with Dijon mustard, crushed clove of garlic and chopped greens.
  • The dried cheese can be rubbed and added to boiled potatoes fried in butter.
  • From a dried loaf or bread make delicious croutons. Cut what you wanted to send into the trash, slices. Mix the egg with the sugar (to taste), dip the bread into the mixture and fry in a pan with butter. Hot croutons are very good with herbal tea or coffee.

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5. You blindly follow the trends

Fluffy knitted hat, coat-oversize, long scarf, leather backpack … Things that are today at the height of fashion tomorrow will become irrelevant. So you again have to completely update the wardrobe.

What to do
Exhale and calm down. It’s definitely not worth chasing trends. Choose a wardrobe based on what is right for you. And do not throw out old things – after a couple of years a sweater or skirt can become supermodern again.

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6. You do not have the patience

Sellers have learned to warm up interest in goods and create excitement. From the latest examples – the sale of places in queues for the iPhone X. On the day of release, a popular product always costs more, and after a while it becomes cheaper. But those who are not ready to endure, pay more.

What to do
Count how much you can save on waiting. This concerns, for example, a trip to the cinema: on the day of the premiere, the ticket can be the most expensive, no discounts will not work. After a week you use a coupon or choose a budget morning session. Or even wait until the movie can be viewed online in a digital cinema. From such trifles are added large sums.

7. You easily succumb to the persuasion of sellers

“But these socks at the super price, be sure to take to your purchase,” “This coffee machine is only suitable for coffee, which is sold from us,” “You urgently need to issue an additional guarantee or insurance for the goods. And what if he breaks at you? “- all of these phrases are familiar to many of us.

Sometimes it is difficult to resist the pressure of sellers. But you need and you can. After all, in this way, often offered junk goods and unnecessary services or something at an inflated price.

What to do
Do yourself self-education. To read everything you can about coffee, which is suitable for coffee makers, additional guarantees, insurance and other details related to the goods you want to buy. And decide whether you need all this. And learn how to say “no”.

You do not offend this seller, but you can save.

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8. You are not attentively reading financial documents

Many of us have debit and credit cards or loans. But did everyone carefully read the contract that they signed with the bank?

It is possible that it spells out expenses that are not sounded by a benevolent employee. And they will become for you an unpleasant surprise. As, for example, insurance of financial responsibility, connected by default to the owners of some credit cards.

What to do

  • Instruct yourself to carefully read everything that you sign.
  • Increase your financial literacy.
  • Remember, thinking about the next “super-profitable proposal” that free cheese is only in a mousetrap.

9. You do not create a financial pillow

In life everything happens, including force majeure. You can be fired, your company will suddenly go bankrupt, and you have a mortgage and a few more small loans.

What to do
Accustom yourself to save. You can use the pitcher method or any other way you can. The main thing is that you really save for a rainy day or for some other big goals and do not spend money ahead of time.

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