Saving money: 25 tips to help you save money in everyday life!

The following situation is probably familiar to everyone: It still takes a few days until the boss transfers the next salary, but the account is already empty. And that, although one did not treat oneself to anything special during the month and does not live in luxury anyway. Our 25 tips for saving money show you where you can save in everyday life, in the household, with your car, and on electricity and heating costs. In total, this can save several hundred euros per month!

Reduce fixed costs

Month after month we spend high amounts right at the beginning. Often one does not think at all about it whether one can lower these fixed costs. Even with rent, operating costs, cell phone, Internet and insurance, there is a great savings potential of more than €100 per month.

Negotiate rent or change apartment

why-is-there-still-so-much-money-left-at-the-end-of-the-month

Tip 1: The search for an apartment is usually a time-consuming process in which you want to get hold of the perfect apartment for the best price. Often, however, you end up paying more than you would like to. After some time, however, you can certainly ask the landlord and, if until then was paid regularly, a Negotiate a reduction in rent. The worst thing that can happen: The tenant does not respond. If the landlord does not agree, it pays off to browse through real estate portals or classified ads in newspapers to look for a new, cheaper apartment.

Reduce operating costs / energy costs

Whether as a tenant, homeowner or flat-share resident – especially within your own four walls, there are numerous opportunities to save money with little effort. Who considers these simple Tipps, may be pleased at the end of the year guaranteed about a lower account with the power supplier. One does not see the effects immediately, but it is really worthwhile itself!

Electricity guzzlers are stupid

Tip 2: Switch off power guzzlers
Televisions, radios and game consoles have one thing in common: a small red dot that signals standby mode. Great for the user, who usually only has to press one button to start using the device – bad for the wallet. Because standby mode is an absolute energy guzzler that consumes electricity unnecessarily. So always turn off the devices completely!

Tip 3: Use energy-saving light sources
This includes, among other things, the in the colloquial language as Energy-saving lamp Known compact fluorescent lamps. Who would like to do without these due to the mercury content, can alternatively also on LED lamps fall back. These are also characterized by the extremely low energy consumption. LED lamps are more expensive to buy, but last longer!

Tip 4: Reduce heating costs cleverly
Whether you heat with electricity, wood, oil, pellets or any other energy source – it costs money. This can easily reduce heating costs without you having to cut back. Switch z.B. Turn on radiators only when a room is really in use. Even though it may be a great feeling to be greeted by a preheated apartment after a long day at work, this has caused unnecessarily high heating costs throughout the day.

It also makes sense to use comparison portals to compare prices and possibly change providers. This can often save you several hundred euros per year.

Compare cell phone and Internet tariffs

Tip 5: Give notice in good time!

Telephone, cell phone or Internet contracts are usually only cheap during the minimum contract period. If you do not give notice in time, you will quickly pay more than you would like to. Look at their old contracts therefore absolutely more exactly, with one or the other you pay guaranteed too much.

Decoy offers, in which expensive smartphones are offered from 0 €, usually have the disadvantage that a very expensive mobile phone contract must be concluded to it. This runs then often 24 months or longer and one pays monthly high amounts. Especially before or after Christmas, at the start of school or at Easter, suppliers can lure customers with good deals. Watch the market or ask friends or acquaintances. The same applies to Internet tariffs.

Compare insurances

Tip 6: Get rid of multiple insurances!

Every Austrian citizen is insured several times over. This starts with the statutory social insurance, continues with car insurance and ends with expensive private insurance whose benefits partly overlap. An insurance comparison is also worthwhile here!

Save money when buying

Weekly shopping offers further savings potential. With these tips you will save money in the future, especially when buying food and other consumer goods.

Tip 7: Discounters instead of supermarkets

Numerous expensive brand-name products can now be found as no-name variants in any well-assorted discount store. So don’t have a guilty conscience, because the biggest difference is the price.

Depending on the article, quality differences are often not even noticeable. On the contrary: no-name products sometimes perform better in consumer tests than the direct brand competition.

Tip 8: Compare offers

Week after week, numerous offer sheets land in your own mailbox. This offers the possibility of comparing offers of the individual markets comfortably with one another. Not all products have to be purchased when shopping in store A. Often it can be worthwhile to make a stop at market B because of the cheap favorite cornflakes and the inexpensive butter. Provided, of course, that you don’t have to take too much of a detour. At first glance, it doesn’t really seem to make sense to go shopping in another store because of a few euros: But if you calculate that you go shopping 1-3 times a week, that’s 50-150 purchases a year and easily a few hundred euros that you can save each year.

Tip 9: Do without convenience food

Of course, if you don’t have much time and don’t feel like cooking, you’ll be happy to resort to a ready-made meal. It is often forgotten, however, that in most cases it is much cheaper to cook for yourself. Especially if you prepare larger portions and cook for several people at the same time, this already adds up to a few euros per meal. If you now still rely on seasonal and regional foods, the bargain meal is perfect.
Tip 10: Shop with a plan

Do not throw away food

Often the mistake is made to set out without a shopping list. If you don’t make a plan in advance for what food you’ll need over the next few days and simply pack whatever you feel like in the store, you’re guaranteed to pay too much – and in the worst case scenario, you’ll have to throw away expensive food later on.

Tip 11: Buy when the best-before date is short

Yogurt costs only half because the best-before date will be reached in the next few days? A perfect opportunity to save money on shopping! Simply take it to work the next day and use it as a small snack for the coffee break. A quality difference will not be noticeable here. Of course, this also applies to many other foodstuffs, such as sausage, meat and cheese products. This so-called Buckware is usually in the lower shelf compartments. Eyes open when shopping!

Tip 12: Compare prices in the store

Paying close attention to the price tags in stores can be worthwhile. As a rule, in addition to the sales price, a price per 100 grams or per kilogram or per kilo is always indicated. Liters given. This is a quick and easy way to compare different package sizes. Because the bulk pack is not always really cheaper. Even colorful price tags with eye-catching percentage signs often look tempting, but are not necessarily always the cheapest option.

Tip 13: Take advantage of discounts on large purchases

Many markets offer worthwhile discounts when larger quantities are purchased. So you can save money on a pallet of canned fruit or a box of shampoo. These products often have a very long shelf life and can therefore be bought in stock.

Tip 14: Conscious shopping

Everyone knows this rule of thumb, but still disregards it regularly: don’t go shopping with an empty stomach!

If you go to the supermarket hungry, you usually buy more than you actually need. So: first eat your fill, then shop. In addition, you should always take a shopping basket with you. On the one hand, this has a psychological effect, as the shopping basket fills up faster. This way you might not pack one or the other snack after all. On the other hand you save the purchase of plastic bags at the checkout.

Tip 15: Make agreements with children

Also important when taking children shopping: Make clear arrangements. Parents know that the little ones would love to pack everything that looks colorful and tastes delicious. If you clarify which and how many sweets will be bought before you go shopping, this will save both your nerves and your wallet.

Tip 16: Cash instead of card

Debit card or cash

The card payment is basically a great invention. The payment process only takes a few seconds, and you no longer have to carry annoying small change everywhere you go.

But: if you only pay with a card, you unconsciously spend too much! So rather get the money at the bank before shopping and pay at the checkout with bills and coins. This gives you a better feeling for how much the purchase has just cost. In the long run, this is guaranteed to have a positive effect on your buying habits.

Cheaper through everyday life

In addition to the weekly grocery shopping and the costs for heating and electricity, everyday life offers numerous other great opportunities to save money with little effort. Even if you have to invest a little time here and there, it is worthwhile to follow these tips:

Tip 17: Soap instead of shower gel
You can start saving money in the early hours of the morning – simply by doing without expensive shower gels. These differ among themselves mostly anyway only in color, smell and the imprinted brand name, but are all more expensive than ordinary soap. So if you use a bar of soap for personal hygiene, you’re saving money and doing the environment a favor at the same time.

Tip 18: Take snacks from home

Students as well as employees can save several euros every day by taking their bread for the break or snack from home and not buying it at the bakery around the corner.

For a sandwich you pay – depending on the topping – from 2,- Euro upwards, whereas the individual ingredients can already be bought for a few cents in the supermarket. So if you take a few minutes in the morning and prepare your own snack, you can save a lot of money here.

Tip 19: Coffee and tea? Also from home!

Thermos instead of coffee to go

Have you ever calculated how much you spend month after month on coffee at the train station while you wait for the next train? Even if a small cup costs only one euro, this is in the long run only one thing: too much!

Brew your own fresh coffee in the morning and take it with you in a thermos flask. This hardly costs any more time, and in addition to saving money, it’s good for the environment, too, because fewer disposable cups end up in the trash. The same applies, of course, to teas and other hot beverages.

Tip 20: Tap water instead of mineral water

The tap water that bubbles out of the faucet in Austria is of such high quality that it can be drunk without hesitation. Only in older houses with copper or lead pipes should you check again with the landlord or property management beforehand. Compared to buying mineral water, you save money on every glass here.

Tip 21: Keep a budget book

If you keep a budget book conscientiously, you always have your expenses in view. At the end of the month, you can quickly see what you’ve spent too much money on in the last few days and weeks. Effectively saving money becomes much easier. Corresponding apps can now be found in all app stores, so that a spending book does not even have to be kept in writing today.

More money saving tips

Opportunities to save money are hiding around practically every corner. Often we ourselves are just too lazy to invest a little time in research, are not interested in the offers or perhaps even ashamed to take advantage of them. These money-saving tips prove to them that this is not necessary:

Tip 22: Profit from vouchers

Who wants to sell something, uses gladly coupons for the advertisement and Akquise of new customers. Especially when shopping online, these can be added to the shopping cart with little effort and subsequently grant great discounts. Even 5 percent can have a significant impact if the value of the goods is the same. But don’t be ashamed to use vouchers and discount coupons in stores either to squeeze the purchase price down.

Tip 23: Use self-service offers

Everyone likes to be served, no question about it. But this service is always reflected in the price in some form or another. Hairdressers in particular have been offering self-dry hairdryers for some time now, for example. After a professional haircut, customers can save a few euros by blow-drying their own hair. Other service professions now also offer comparable self-services. Just keep your eyes open for it at your next appointment.

Tip 24: Use sharing offers and carpools

Sharing is absolutely on trend. Take advantage of this and save money on your car and many other items that you do not use regularly. Or why not swap apartments instead of booking an expensive hotel room? Admittedly, this isn’t to everyone’s taste, but it’s definitely a great way to save while traveling.

Carpooling continues to be a great way to save money. Why not take turns driving to work with colleagues who live nearby?. Or offer to take them before and after work for a small monthly fee ("gas money").

This is not a direct savings, but if you have to drive anyway, you can put the extra money aside for a purchase or two.

Tip 25: Get a library card

You love to read, but rarely have the wherewithal to buy the latest bestsellers? No problem, for a small annual fee local libraries offer you a huge assortment of books, newspapers, magazines, DVDs and CDs. And again, you can save money in a simple way! Libraries with an appealing selection can now be found even in smaller towns, so there should be something for everyone here.

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