Did you know? #5 How to save money in 2016

New Year has arrived and as per usual most of us make new year resolutions :)

I bet more than half of you (as well as myself) have promised to be more financially secure and not spend as much to save for fulfilling our dreams :)

Here are some tips and suggestions that I have tried out for the past few months which I believe have really helped me to get my spendings under control :)

My usual beauty-related posts will be coming soon after this one, so don't worry about this blog becoming something totally different from what you've been used to ;)

Create a monthly budget - write down all of your fixed incomes and all monthly expenses (such as rent, water, electricity, car, internet etc etc). That way you'll know how much money you have left so you can divide it to weekly spendings. You will know exactly how much spare money you have and you are less likely to swipe your card ever so often without thinking and can calculate the amount of money you can put away for your dream vacation or designer bag :) Don't forget to include a little treat in your monthly budget for yourself just so you won't get frustrated ;)

Do the big shop - make an inventory in your kitchen and fridge. Write down a shopping list of groceries you need to buy and stock up 1-2 times a month. Try to stay away from grocery shops at other times and buy only the stuff you have on your shopping list. It's also good to read all the cooking books you have to get inspiration which will help you plan your menus :)

Give a fixed amount of pocket money for kids - in the beginning of each month give your kids a fixed amount of pocket money. Every time you take your kids with you to the shop let them take their money with them and buy stuff they want with their own money. It will free you from additional spending on toys and candy and will teach your kids to value and count their pocket money.

Clear out your closet - make an inventory in your closet and throw away, give to your friends or charity items that you haven't worn in years. I did the big clear out last August and gave 70% of my clothes to charity. Now I know that all of the pieces I have in my closet suit me and I will wear them time and time again. This will also give you an idea which items you are lacking in your wardrobe and need to buy. (Capsule wardrobe is a great way to get inspired, google it :) )

Shop on sales - it is very easy to find out when your favourite shops usually have huge sales (just google it). If you've made an inventory in your closet and found out that for example you need a new warm jacket, I bet all the shops will have a sale just after Christmas and New Year or in the end of winter season (which is around January or February in Europe). Google the sales and put a reminder on your calendar when that happens :)

Shop your makeup stash - if you are a makeup fanatic like me, you'll have drawers full of stuff. Yes, we all have our daily favourites but it's useful to rummage through your makeup drawers and rediscover products you once loved but had totally forgotten about. I, myself, discovered Lancôme eyeshadow today that I had totally forgotten about having :) Before you run to the shop to buy another eyeshadow or highlighter, go through the things you have buried deep in your drawers :)

Even though it's not relevant at the moment I think it's useful to share my tips on how to not go crazy during Christmas time LINK .

Hopefully you found some useful tips from this post and if you have any good suggestions of your own, please share them in the comments below :)

pic from HERE

Rõõmsat ja edukat alanud aastat meile kõigile!

Nagu ikka, anname me uue aasta alguses iseendale mitmeid lubadusi ja vähemalt pooled meist (mina sealhulgas) lubame endale, et sel aastal oleme oma rahaasjades hoolsamad ja säästame rohkem kui varem :)

Siin on mõned nipid, mida ma ise viimastel kuudel kasutanud olen ning loodan, et neist on kasu ka teile :)

Ja olge mureta, selle blogi tavapärased iluteemalised postitused on ka peagi tulemas :)

Koosta igakuine elarve - pane kirja kõik kuu kindlad sissetulekud ning püsikulud (üür, kommunaalid, liisingud, kindustused jne jne). Niimoodi on sul kohe silme ees kui palju vaba raha sul olemas on. Jaga see nädalateks ning usu mind, sa välgutad oma pangakaarti palju vähem kui tavaliselt kui sul on koguaeg kuklas teadmine mitu eurot sa nädalas kulutada tohid ning saad välja arvutada mitu eurot saad säästa oma unistuse puhkusereisiks või disainerkäekoti jaoks :) Ära unusta oma kuu eelarvesse planeerida endale ka mõni väike preemia, seda selleks, et sa ei frustreeruks :) 

Ära käi iga päev toidupoes - vaata üle oma kapid ja külmik ning koosta nimekiri vajalikest toiduainetest. Käi suuremal toidušoppingul kord-kaks kuus (vastavalt vajadusele ja pere suurusele) ning muul ajal püüa toidupoes käimisest hoiduda (loomulikult peab leiba, piima, puu-ja köögivilju tihedamini ostma kuid suures plaanis aitab raha olulisel määral kokku hoida see kui poodi iga päev sisse ei põika). Alati on hea ka ammutada inspiratsiooni kõikidest neist kokaraamatutest, mille sa endale aegade jooksul kokku oled ostnud ning koostada retseptide alusel nädala menüü ja ostunimekiri:)
Fikseeritud summa taskurahaks - kui sul on lapsed, lepi nendega kokku konkreetne summa, mille nad kuus taskurahaks saavad. Iga kord kui oled sunnitud lapsed poodi kaasa võtma, tuleta neile meelde, et nad oma taskuraha kaasa võtaksid. See vabastab su ebavajalikust kommi-ja mänguasja ostmisest ning lapsed õpivad seeläbi arvutamist, säästmist ning raha väärtust :)
Revideeri oma garderoob - vaata kriitilise pilguga üle kogu oma garderoob ning viska minema, anna sõbrannadele või anneta heategevuseks riided, mida sa pole juba aastaid kandnud. See annab sulle selge ülevaate asjadest, mis sul olemas on ning ka sellest, millised vajalikud riideesemed sinu kapist puuduvad. Ma eemaldasin umbes 70% oma kappide sisust eelmise aasta augustis ning nüüd on mul alles vaid riided, mis mulle tõesti sobivad, selga mahuvad ja mida ma kannan üha uuesti ja uuesti.
Ostle allahindluste ajal - suuremate kaupluste allahindlused on enam-vähem teada juba aasta aega ette, seega tee google'i abil uurimustööd ja pane oma kalendrisse kirja, millal tuleks soodukaid rünnata :)
Sul on väga palju kosmeetikat - kui sa oled samasugune meigifanaatik nagu mina, siis on sul riiulid ja sahtlid täis erinevaid ilutooteid, mille olemasolu oled sa juba ammu unustanud. Seega, vaata kõigepealt üle, mis sul olemas on ja ma olen enam kui kindel, et see huulepulk või põsepuna, mida sa reklaamis nägid, on sul tegelikult juba olemas :)

Kuigi jõulud on juba möödas, arvan, et mälu värskenduseks võiksid lugeda ka minu nippe, kuidas kinkide ostmine vähem stressi tekitaks (LINK).

Loodan, et leidsid sellest postitusest midagi kasulikku ning kui sul on endal häid nippe raha säästmiseks, ära ole kade ning jaga neid kommentaarides :)