With a few tips and tricks you can save a lot of money every month. © IMAGO/Michael Bihlmayer
Saving money without making sacrifices is possible. If you want to spend less money, you can use simple tricks. This can quickly add up to a large sum.
Dortmund – Everyone knows this: In addition to the rent, many small and large amounts of money come out of the account every month. Be it the contributions for insurance, cell phone tariffs or account fees – all in all, consumers accumulate a lot of money.
Save money: Save hundreds of euros a month with these five tricks
These deductions can be burdensome. After all, these are amounts of money that are on top of purchases in the supermarket or pharmacy, as well as filling up the tank and going to the hairdresser. But if you think there is no way to save in one place or another, you are wrong (more savings tips at RUHR24).
Like the online platform World saving As a study has found, consumers are real cost-wasters that can be avoided. According to this, people in Germany spend an average of 9,815 euros a year on something they don’t necessarily need.
However, consumers can significantly reduce their monthly expenses if more attention is paid to what and, above all, what the money is spent on. We have summarized five simple tricks that can help you save money without making sacrifices.
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Save money every month: switching to a cheaper health insurance company
Anyone who lives in Germany is obliged to take out health insurance. This often happens at a young age – so the insurance contributions continue for years. However, it is worth not just comparing the insurance services. There are also differences in costs.
Health insurance companies particularly use the turn of the year as an opportunity to increase their additional contributions. Policyholders should know that they have a special right of termination in this case. Maybe now is a good time to switch health insurance companies and save money every month.
Save money with simple tricks: drink more water from the tap
This trick for saving money every month is as obvious as it is simple. Consumers in Germany can drink water from the tap without any concerns. Loud World saving People in Germany spend an average of around 437 euros a year on water bottles.
The solution is so obvious: the same amount of tap water only costs 1.50 euros annually. Nowadays, drinking water can easily be converted into sparkling water using appropriate devices.
Avoid impulse purchases and save a lot of money every month
Everyone knows this: in the store or online, you suddenly discover something that you think you absolutely need. Be it expensive speakers, a coat for the winter or a promising book.
But be careful – such spontaneous purchases can really cost money. Depending on the product, even into the three-digit range. It’s better to ask yourself once again whether the new speakers are absolutely necessary and whether there are still some unread books at home.
A trick to avoid impulse purchases can also be for consumers to write down the products instead of buying them directly. At the end of the month you check whether there is still money left for it – or more importantly: whether you still really want the product. If not, a lot of money could be saved (more financial topics at RUHR24).
More money every month: save on account fees
Around six euros a month doesn’t seem like much at first. However, over a year, consumers pay an average of 72 euros to be able to keep their money in a private checking account.
In recent years, the costs of account fees have risen enormously. But there are also banks that offer a zero-euro account – a lot of money could be saved if you switch. A comparison is worthwhile.
Simple savings tricks: buy less groceries
When going to the supermarket, customers should ideally not be hungry. Often more ends up in the shopping cart than is actually needed. Before shopping, it’s always a good idea to think about which foods are really missing at home.
If you want to save money, you should only buy necessary groceries. © Imago/Manuel Geisser
Because if you buy too much food than you actually use, you will quickly notice it in your wallet. According to the study by World saving Each German citizen throws 235 euros worth of food into the trash every year. Calculated for all people in Germany, that’s over 17 billion euros a year that ends up in the trash.
Over the course of a year, you could save around 20 euros a month when shopping for groceries instead of spending it on too much food and drink. Not to mention that you are also doing the environment a big favor.
2023-12-28 23:40:58
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