Saving Money in Everyday Life

This is What You Should Pay Attention To When Saving Money

Saving Money in Everyday Life - It's only the middle of the month and your account is empty again? The money is just trickling through your fingers? But you would like to have more money available for the finer things in life - and invest more too.

With lots of little tips and tricks, combined intelligently, you will be able to save more money in everyday life without sacrificing anything. We'll show you the best savings tips.

Save Without Sacrificing - That's How It Works!

Whether in the household or when shopping for weekly groceries, when doing a hobby or traveling, when driving or shopping - saving tips are hidden everywhere. Often several hundred euros can be saved per year, sometimes even per month.

And that without having to forego the things that are important to you and that give you pleasure. We have compiled the most important tips and tricks for you to save money in everyday life. So you have more money in your account month after month, you can create a comfortable cushion and even build up assets.

The Most Important Savings Tip: Keep A Budget Book

A particularly important saving tip right from the start: consistently write down all the expenses you make every month. This also includes spontaneous coffee during the lunch break, the sweet pastries from the bakery on the way to meeting friends or the evening in good company where you forget all your savings plans.

You can only see where your money is going and identify potential savings if you relentlessly look at all of your expenses. Often three to six months are enough to identify where you are overspending and how you can save money.

There is Unimagined Savings Potential in The Household

With many small adjustments you can save money in the household permanently. Some of these tips go unnoticed, others quickly become a habit in everyday life. But all of them have a positive effect on the wallet.

1. Use LED Instead oO Halogen

The power-guzzling light bulb disappeared from German households years ago. But even among the light sources available today, there is one that saves money: the LED. It is a little more expensive to buy than energy-saving lamps or halogen bulbs, but it also lasts longer and is bright at the push of a button.

And most importantly: the LED consumes only half as much electricity as the mercury-containing energy-saving lamp - and seven times less than the old one now abolished lightbulb.

2. Compare Providers

Electricity and gas contracts can save up to € 700 a year. So compare the offers regularly. Comparison portals on the Internet show you the cheapest provider for your region and needs and at the same time help you to switch.

On the other hand, you should turn down contract offers on the phone - especially if you have not asked for calls and the caller appears dubious.

3. Choose A Kettle Instead Of A Stove

Always heat water in the kettle. That saves time and energy. Investigations by Stiftung Warentest have shown that heating one and a half liters of water in a kettle costs around 4 cents, compared to 9 cents on an electric stove.

If you don't have a kettle, always use a pot lid. This means that less heat and water escape, but food also heats up faster.

4. Unmask Power Guzzlers

Power measuring devices, clamped between the socket and the consumer, help you to identify power guzzlers. Gradually, you can replace these with more energy-efficient devices. This saves you money every month and protects the environment.

5. Switch Off The Electric Stove

If you cook with an electric stove, use the residual heat towards the end of the food preparation. Because the hotplates still radiate heat about 20 minutes after they have been switched off. Take advantage of this heat and switch off the hotplate earlier.

6. Fridge-Freezers are More Economical

Get a combined device instead of separate fridges and freezers. These are usually more economical because, in contrast to two individual devices, you only need one motor. Also important: close the appliance door immediately after removing the food.

7. Save With The Dishwasher

Dishwashers not only save time, they also save money. In contrast to washing dishes by hand, dishwashers use less electricity and water for the same amount of dishes. But this only applies if they are fully loaded.

8. Better Wash Laundry Colder

The washing machine also offers savings potential - especially if only 40 degrees are set instead of 60 or 90. Because the machines draw cold water and heat it while washing. For example, washing programs with a temperature of 60 degrees use around 40% more electricity than 40-degree programs.

9. Intermittent Instead Of Continuous Ventilation

Ventilation is essential for a pleasant room climate. But the windows shouldn't be tilted permanently. It is better to open all windows for 5 to 10 minutes and ventilate the whole apartment. That saves heating costs.

10. Heat Less

If you want to save even more on heating, you can also turn the thermostat down a little. 21 degrees room temperature are sufficient. If you shiver, put on a sweater.

However, it is important: never turn off the heating completely in winter, otherwise the rooms will cool down, and if you want to warm them up again, you need more energy. And please do not place any furniture directly in front of the radiator. Because they catch the heat.

11. Switch Off The Devices

Sure, standby is convenient and practical. The TV and stereo system are switched on with just one push of a button. But the stand-by mode is a real power hog in everyday life. Because the devices constantly consume energy.

In the average three-person household, stand-by mode accounts for around 10 to 20% of the electricity bill. Simply switching off all devices can save up to 400 kWh.

12. Use DIY Portals

The vacuum cleaner mucks and the dishwasher no longer cleans properly? Instead of hiring the craftsman straight away, you can solve many household problems yourself with simple tricks.

YouTube and other do-it-yourself portals show you where the most common sources of problems are and how you can easily fix them yourself.

Save Money When Shopping

Not only at home, but also when shopping, a lot of money can be saved with simple means. Because bargains and special offers lurk everywhere. You do not have to do without certain foods. But it's worth keeping your eyes open.

1. Those Who Shop Hungry Buy More

The day was stressful, there was no time for the lunch break. Now jump to the supermarket on an empty stomach to get some food for dinner. But all the goodies laugh at you - so do you boldly eat them?

Never go shopping hungry! Then you quickly fall for the lure of the store and buy more things than you actually need. In the worst case scenario, you will not even eat these foods, but will have to throw them away.

2. Write Yourself A Shopping List

Before you go shopping, check your groceries in the fridge and pantry and make a shopping list. It helps you stay consistent in the supermarket and really only buy the groceries you need. How to spend less money.

3. Compare Prices

Big packs are cheaper than small ones? That was once. The manufacturers have also recognized that consumers often pick up large packages without really doing the math. Don't fall for the trick with the supposed economy pack! You don't even have to pull out the calculator.

Supermarkets always have to indicate a unit price for food and hygiene articles - i.e. the price per liter, piece, 100 grams or laundry load. Look at the fine print on the shelf.

4. Take Advantage Of Special Offers

Dishwashing capsules, shower gel or groceries from local farmers are often available on special offers. You can buy cheap groceries that are currently in season and can therefore be offered in abundance. Access it here and adjust your diet to regional and seasonal.

But be careful, the same applies here: It is essential to compare and recalculate prices! And only buy the foods you really eat!

5. Compare While Shopping

Whether the new, super cool jeans or the Bluetooth box - compare the prices with the online offers, even if you are already in the store. You don't even have to buy the object of desire online and pay shipping costs.

Talk to the seller and show him the online offer. Many dealers grant appropriate discounts. So dare - but be friendly.

6. Observe The 10-Minute / 30-Day Rule

Before every issue, ask yourself: Do I really need this? Even if you spontaneously tend to say a big yes, think carefully! The 10-minute / 30-day rule helps:

For smaller, spontaneous wishes, think for ten minutes whether you really want these things. It often helps to get out of the store and take a walk through the passage or around the block.
For larger investments, take 30 days to think about the object of your desire. If you still want to have it, treat yourself to it and enjoy it. However, it often happens that during this brooding period you realize that these things are not that important after all.

Good on The Road Thanks To Small Tips

It starts with a delighted Aaah and ends with a horroroooh – the car. This is because the cost of the mobile base is often higher than previously estimated. But there are also some savings tips when it comes to car and mobility.

1. Check Your Insurance - Every Year

You have chosen the cheapest car insurance – you are sure of that? Really? Conditions change. And car insurers tend to prefer new customers. Often premiums become more expensive from year to year or do not fall as much as they should.

That's why: Compare the offers – every year in the autumn. The change of liability and casco insurance can save several hundred euros a year. This is where comparison portals on the Internet help.

2. Refuel in The Evening

A few years ago, the Federal Cartel Office set up the market transparency office for gasoline prices in order to give consumers a precise overview of the price development at the pump. Take advantage of these tips!

The basic finding is that gasoline and diesel are more expensive in the morning than in the evening. That's why you stop at the gas station at the end of the day. Only from about 9 o'clock in the evening the companies raise the prices again.

If you want to know exactly where the cheapest fuel is available, use a price comparison app. But don't take big detours! A price difference of one cent justifies a detour of a maximum of one kilometre.

3. Check Air Filter and Tire Pressure

If the tyre pressure is too low, consume up to 10% more fuel. Therefore, check the pressure regularly and adjust it if necessary. An added air filter can also increase fuel consumption by up to 7%. Therefore, clean it regularly and replace it sooner rather than later.

4. Mobile With Public Transport and Bicycle

You don't have to take the car for every route. Instead, use public transport in everyday life in the big city. This saves fuel – and often also nerves and parking fees. For the ride for shopping in Kiez or small town, the bike is suitable.

Not only do you get from A to B quickly and flexibly. You also do something for your fitness.

Saving Money Tips For Hobby and Leisure

Tips For Hobby and Leisure

You also want to have fun and pursue a hobby? No problem. With our savings tips, you not only have more money every month for the beautiful things in life. You can also save a lot of money.

1. Play at Home or in The Park

Of course, regular sport is important. But you don't necessarily need the expensive gym membership. Sneakers are usually enough. Go jogging or play sports at home. Instructional videos can be found on YouTube.

And instead of dumbbells, you use full water bottles. If you need to work at the Sport Gesellschaft, look for a training partner or join a sports group that meets for regular work-out in the park.

2. Private Flea Market Brings Space and Money

You love to shop, but the purse is empty, the wardrobe is fuller? Work out and host a private flea market where you can sell things you no longer need to friends and acquaintances. Many products and dresses can also be sold on classified scan and second-hand portals on the Internet.

3. Compare Your Mobile Phone Contract

Do you really need 15 GB every month? Check it out! If you regularly consume less, switch to a cheaper rate on the next contract renewal. You should check your mobile phone plan every other year anyway.

Cheaper offers are often only available on demand or for new customers. And it is best to buy the new mobile phone individually online or in the electronics market. Because together with a contract, smartphones and co. are often significantly more expensive.

4. Take Advantage Of The Cinema Day

Do you love watching movies on the big screen? Then treat yourself to a visit to the cinema. But keep in mind: during the week, cinema tickets are cheaper than on weekends. And in many cinemas there is also the cinema day with particularly low ticket prices.

5. Invite Friends To Your Home

A meal in the exquisite restaurant is great – but also expensive. Instead, invite friends to your home once a month and prepare the festive menu yourself. This saves money and is also fun.

6. Repair Things

Clothes or electrical appliances break down quickly and need to be replaced for a lot of money. It doesn't have to be. Learn to fix things. A sewing course or DIY videos will help. This saves you money, acquires new skills – and, in the end, you feel quite satisfaction because you have beaten the industry.

Convenient When Travelling With Our Savings Tips

Get to know new countries, relax and just let your soul unwind – with our savings tips for holidays and travel, this is no problem.

1. Take Advantage Of Early Booking Discounts and Last Minute Offers

You want to travel cheaply? Then book early. Most travel providers still lure with hefty early booking discounts. But even if you need a break spontaneously, you can save. Last minute offers booked one to two days before departure are often unbeatably cheap.

2. Make Your Own Trip

Sure, the travel agency offers great trips and also puts together the travel package, consisting of flight, hotel and excursions. But this service costs. It is cheaper if you put together your trip on your own. Travel blogs and guides on the Internet show you the best spots for great experiences.

Cheap flights and hotels can be found via comparison portals.

3. Travel in Low Season

In September it gets grey and cold in Germany. In Mallorca, on the other hand, it is still sunny and hot – and much cheaper than in the summer months. If you don't have school-age children, you're travelling in low season.

This not only saves money every year. The holiday regions are also less crowded. And you spare your nerves in the fight for the best holidays with the colleagues who have children.

Saving Money at The Bank

If you have already saved heavily, your savings belong to the bank and not under the pillow. But even when choosing the bank, eyes are on. The offers of credit institutions differ enormously in some cases. That's why you compare prices, interest and fees!

1. Use A Free Current Account

Most banks charge an account management fee of between €3 and €12 per month for transactions. However, there are a few free current accounts that you can use. So pay attention to the general conditions of the offer and compare well.

2. Refinance Loans at Low Cost

Before you take out a disposition loan with mostly expensive interest to pay off old debts, it makes more sense to apply for a debt rescheduling loan. In addition, you have the option to pay off existing liabilities by means of an installment loan with often much more favorable terms.

But beware: not every loan can be rescheduled. Let your bank advisor help you with this.

3. Pay Attention To The Fees in The Savings Plan As Well

Fees are often also charged when investing. ETF savings plans and share purchases cost. However, there are some online variants that do not incur any fees. In the first step, choose an online depot with free depot management.

Then compare the savings plans to determine the most appropriate investment option for you.

With These Savings Tips in Your Own Home

The own four walls are the biggest and most important purchase in life. But it is precisely when buying and financing a house that savings potential is hidden. We'll show you what tips you can use to really save money.

1. Do Not Use The Broker

A real estate agent costs up to 7.14% of the purchase price. Money you can save by looking for the perfect home yourself. So look for real estate offers without brokerage.

2. Strike in A Foreclosure

Emergency sales have high savings potential. Because in times of need, the current owners have to sell the house or apartment quickly, because they need the capital immediately. That is why you often offer real estate well below current market values.

It is also worth looking at the forced auctions. Here, too, properties are offered well below market value.

3. Negotiate!

Skillful negotiation is allowed when buying real estate – and usually also crowned with success. That's why you're looking for reasons for discounts during your visit, but without complaining too much. Show interest, but keep it in check. And always: be determined, but stay friendly.

4. Compare Loan Offers

Very few can pay the purchase price for the house or condominium from the postage box. As a rule, real estate financing is needed. However, the amount of interest and the financing fee vary considerably from bank to bank.

If you are looking for the perfect loan and compare the offers, you save money – month after month.

Don't Forget: Live!

Don't Forget: Live

All these tips and tricks will help you save money month after month. Many will easily get out of hand, others require a little more discipline. However, you will see the successes in your wallet in the first year. But with all the savings, don't forget one thing: enjoy your life!

Because the most plump savings account is of no use if you stop every little need and forgo any fun.

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