25 Life-Changing Budget Hacks

Follow these money tips to become the savviest you yet

1 Lock in your savings

If you have a holiday or something you’re saving up for, go into your bank and block yourself from accessing your savings account. Of course, make sure you have funds until the splurge, but this will stop you spending unnecessarily prior.

2 Delete the food delivery apps

We’ve all jumped on the bandwagon with the latest food delivery services, but they make it too easy when we’re too lazy – and usually end up being pricey! It’s simple to say cook instead of eating out, but we assure you, deleting these apps will be a blessing to your bank account. Check out our delish, fast-to-prep recipes on herinspirasi.com/ dapurwithlove.

3 Understand your point

Financial advisors will tell you to work out your current net position. This means listing out everything you own and everything you owe (including interest rate, loan period and repayment amount).

4 Grocery shop after work…

It’s tempting to avoid boring jobs like doing a supermarket run after a long day, however, some perishables may be marked down at the end of the day, so do a smart shop at night! Make sure you have a shopping list, to cut down on buying unnecessary items, and you’re sure to slash your bill. … and when you’re full! If you’re hungry while grocery shopping you’re guaranteed to want to buy more, whether you know it or not. So don’t go on an empty stomach by having proper meals before!

5 Cancel unnecessary subscriptions

Do you need to be a member of all the movie-streaming websites? If not, pick your favourite and ditch the rest. The sooner you do this, the sooner you’ll see money in your account that didn’t need to be wasted.