How do you stop spending money you don’t have?
There are many ways to spend money and how much you spend. There are people who go shopping on payday, others pay bills or save money. Often people spend money even if they are not or relatively small.
Don’t borrow or waste your money! You have to understand what you don’t use so often.
Many spend money on a gym subscription, but go out relatively rarely.
Change your spending habits! Try to stop smoking and you will not have to buy cigarettes. Don’t eat between meals and avoid ordering meals online.
Pay for your purchases in cash and reduce your credit card usage. This will help you effectively control your daily spending.
Make a personal budget plan and stick to it!
Calculate the minimum required funds for food, utilities, transportation and other needs. Try not to exceed it! This way you will easily understand who is spending the most and what you can improve.
If necessary, seek the advice of a financial advisor.
Be responsible and know your rights
Make monthly savings, transfer part of your salary to your savings account.
Find out what taxes you pay to the State Revenue Service. Latvia has various tax incentives. Use your rights and get some money back!
Pay your bills on time! This way you will manage your finances and avoid creating debt.
Looking for alternatives
Alternative Things Can Save You Money! Change your habits and reduce your spending!
Not using a car, but walking to work or using public transport.
Use library services or borrow books from friends, don’t buy them at bookstores!
Read the latest press on the Internet rather than in print. Save nature and save money! Free versions of most popular newspapers and magazines are available online.
Find stores that are cheaper than regular shopping.
Take a look at the market offer! Buy vegetables, fruits, meat and other goods on the market.
Go early in the morning or half an hour before the market closes. During this time, sellers are trying to sell non-traded goods as quickly as possible. Visit the night market where you can buy vegetables and fruits in bulk. Prices there are significantly lower than in supermarkets. This will help you save money and use higher quality products in your diet.
Rest is profitable
Don’t deny yourself the joy of traveling! Buy last minute travel deals.
Make a timely purchase of airline tickets! Carefully follow airline specials and promotions.
Attend a variety of free events: museum tours, concerts, exhibitions and theater performances.
Have a picnic in the open air at the restaurant. Go to the movie in the morning instead of late at night. Save money on other things and needs!
Take care of your growth
Attend courses paid for by your workplace. Improve and learn new skills for free. It will be a valuable investment in your career!
Looking for additional profit opportunities. For example, providing consultant or tutor services.
Borrow from a trusted credit institution
Even if you are frugal and follow your budget plan carefully, you may incur unexpected expenses and need money. What to do in these situations?
If you have a solid monthly income, take a look at our offer! Consumer loans are easy to apply. They will be useful for buying a car, paying for medication, repairing an apartment or home.
Make borrowing wisely, read the terms of the contract. Borrow only if you clearly know your repayment options!