The Dhaka Times Desk The most important thing at risk is money. You need money in every step of life. However, if you don't spend money calculatedly, you will not be able to accumulate money in any way. In economics, money is called a liquid asset. That is, it will be built in the direction where it is slightly tilted. But today we will discuss that this development should be towards savings.
So let's know some simple and effective money saving tips.
1. Determine the daily expenses:
First you need to allocate a cost per day. Then from that amount of money you have to make a habit of spending daily. Now you might be wondering how to save money from here? Suppose you spend Rs. 100 per day. Now at the end of the day you will see how much money has been sold out of your expenses. Now keep depositing that money in a certain place every day. At the end of the month you will see a large amount of money accumulated.
2. Minimize the use of credit cards for purchases:
Always try to purchase goods with cash. You will incur additional charges if you purchase any product through credit card. If you buy goods from him in cash, that money will be saved. So it is better to buy goods in cash.
3. Take food from home for office:
Many people take lunch at an outside hotel. However, eating at a hotel costs at least 100 rupees. Instead, if you take food from home, you can save a lot of money in a month.
4. Acceptance of offer:
Many times you might be thinking, buy a good mobile or buy a piece of furniture next month. In this case, if you suddenly get a good offer or you can get an offer after some time when you want to buy, then accept that offer. It will sell you a certain amount, which you can accumulate as savings.
5. Convert money into foreign currency:
Many times, if the money is close, it is spent again in any need. In this case, at the end of the month, you should convert the money saved into foreign currency (especially dollars). Then you cannot spend this money even if you want to for general needs. As a result, a large amount of money will be deposited at the end of the year. But in this case, don't go to break that money again at any time. Then your money will be reduced by charging again. So when you see the price of the currency increase, then you can break it. It will also make some more profit.
6. Follow the alternative method for each cost:
We are generally more interested in luxury items. To save money you have to cut back on some luxuries. For example, you may not like to eat at any expensive restaurant. While traveling somewhere, book VIP seats in AC cars or trains or expensive rooms to stay somewhere. But if you want, you can save the money by reducing all these costs by using a little Norlam car, train seat and room.
7. Stop buying products in expensive markets:
Remember that expensive luxury markets are charging you as much as they are serving you. Therefore, the prices of goods in luxury markets are very high. If you want to save money, this will be a good way for you. Buy the essentials from the general market from today. Then you can deposit a certain amount every month.
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