Yes because we like it or not, 3x free, it’s a credit! For three months, it plumbs your finances. What I do: I only buy if I have the money. Point bar.
1. I set a budget
When there is more money, there is more option to save money.
Once arrived at zero, do not dig your discovery! You and I know very well that it is counterproductive.
The technique of envelopes
A fairly well-known technique is to place your money in envelopes. One envelope a week, and when there are no more, you wait next week.
If not using your credit card does not put you off, this is an effective solution!
2. I fully exploit the benefits of my work
Depending on the work you do, you surely have advantages. For example, you may be entitled to some free or discounted items:
Food if you work in restaurants, hotels or supermarkets
Do not hesitate to take home the food products of your work that would go to the trash otherwise! I’m thinking of supermarkets, croissants, breakfast hotels
, etc. Ask your boss before, of course. This represents a substantial saving!
I took advantage, and I rent a 45m ² in Paris for 520 € / month charges included (heating and hot water included). Normally, it turns rather in the 1200 €! I scratched a long time to find it, but you see that it was worth knowing!
Some hotels house their employees for free!
Travel if you work in tourism
Shopping if you work in a supermarket
Works Council: if you have one, it allows you to get tons of discounts and maybe even cheap gift certificates!
Your CDI itself is a secret boot that allows you to borrow money to buy a home and rent it, for example. Think about it and exploit it!
You see the logic. Inquire! For my part, I discovered some random benefits from conversations with colleagues.
3. I buy durable objects
… and I keep my “old” iPhone 5C that works very well (down programmed obsolescence!). What’s the use of buying the last iPhone that costs a SMIC and that will not be worth even half in a year? If it’s to play Candy Crush, an old iPhone is quite the case?
Rather than buying flimsy plastic trinkets, I’d rather spend a little more on buying things that last a lifetime. Some examples :
4.A pressure cooker
A stainless steel pan (Teflon, it wears after a while)
A classic espresso coffee maker (because with a filter coffee maker, the carafe breaks easily, and with a coffee pod, coffee costs much more )
5. I drink tap water
Whatever you say, tap water is of very good quality. To find out if the water in your community is good or not, go to UFC Que Choisir’s interactive water quality map.
In the vast majority of cases, it is useless to buy bottled water. Moreover, it is very expensive and very polluting.
I do not drink (almost) ever sodas
After drinking sweet drinks throughout my childhood (and the huge dental problems that go with it!), I ended up losing interest.
After all, sodas:
It’s heavy to wear
It contains a lot of crap
It’s bad for your teeth
It makes you fat
In short, it’s pure me *.
I drink cool coca from time to time on the terrace of a cafe, and I enjoy it!
I also drink a lot of soda water with my gasifier, and I know how can i save money max compared to when I bought Perrier all the time?