Delhi MCD Election Results 2017

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10 super saver tips

10 super saver tips
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First Published: Mon, Feb 02 2009. 12 21 AM IST
Updated: Thu, Jul 09 2009. 01 04 PM IST
• Save your loose change. Try doing it over a year.
• Time your bills around the time you get your pay cheque.
• Make it a habit to use your debit card...always.
• Use the envelope method. Once it is empty, no refill till the next salary.
• For a week at least, write down every rupee you spend on small buys such as coffee or cola. At the end of the month, you will surely feel guilty about your spending habits.
• Create an emergency fund equivalent to three months of your living expenses.
• Don’t give yourself the option of using your retirement funds.
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Tea, coffee or savings?
Remember the Latte Factor. It refers to the small amounts of money you spend every day that can otherwise be used to invest and help you later in life. Save Rs5 every day for a year, and, assuming a 10% return, you would have at least Rs1 lakh in 20 years.
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Track your spendings
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On your ATM receipt, write down the details of all your purchases. This way, you can track your spending and it could be a deterrent to frivolous spending. Every time you look at the list, you’ll be surprised to see how much you’ve saved.
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Say no to urges...now
Don’t procrastinate. It’s never too late to start. Limit the number of times you eat out or order out. And when you do go out, try to curb your needs/urges.
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First Published: Mon, Feb 02 2009. 12 21 AM IST