Everybody wants to save money, but a lot of people aren’t doing it. In fact, according to a recent survey from the ING Group, 27% of Americans have no money saved at all. That’s astounding considering you need savings to cover vital things like emergencies, unforeseen expenses, medical bills, and retirement.
There are many ways to save money, and it can be as complicated or as simple as you make it. This tip is so simple that it should inspire everybody to save. So here it is, the big tip:
Stop Shopping.
Yep, that’s it. In fact, from now on, we want you to think of shopping, and your savings account as arch enemies and understand that every time you shop for something that isn’t necessary, you are robbing yourself of a better future.
Now, obviously, you have needs, like food, water, clothing, and the essentials. So, first, you need to determine needs from wants and weed out the wants. Write lists and stick to them. Then, use the strategies below to reduce your shopping and save that cash.
Four strategies to help you stop unnecessary shopping and start saving
- Stay out of the stores. “But I’m not planning to buy anything; I just enjoy looking.” You might be thinking. Unfortunately, merely the act of being in a store will encourage impulse buying. Not to mention the fact that it creates the urge of “needing” something you didn’t know existed 5 minutes before. So, stay out of the stores at all costs. Not even window shopping.
- Use delivery and pick-up options. This tip goes a long way with helping you be successful at tip 1. If a delivery or pick-up options are available for what you need (i.e., grocery store pick-up) then use it. If a delivery or pick-up options aren’t available for what you need, to straight to the items on your list (no perusing the aisles), check out and go.
- Pay with cash. Cards make it too easy to spend on things you don’t need. Use cash when out shopping instead, and you are less likely to overspend. Take it a step further and use a calculator to total your cart. Once you reach the amount of cash on hand, stop shopping.
- Change your hobbies and social interactions from things that encourage shopping to things that you can enjoy for free. Do you often go out for coffee or to eat with your friends? Instead, take a nice walk on a nature trail or have a homemade picnic in the park.
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And there you have it. The less you shop, the more you save. The more you save, the more secure your future becomes, and the better opportunities you have. We hope these four strategies help you shop less and save more.
Happy Saving!