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# Social Finance


## How to Easily Cut Down Your Spending

Home / How to Easily Cut Down Your Spending


## How to Easily Cut Down Your Spending

__Byadmin __December 27, 2019

Many of us would like to reduce the amount that we spend. This could perhaps
be so that we do not have to borrow money, so that it is easier to make ends
meet or because we would like to have some money left over to save. However,
it can sometimes seem like a really difficult task. There are things that you
can do which might help though.

**Write down what you buy
** It can be a really good exercise to note down everything that you buy. This
means every single thing form the charge on your overdraft and your insurance
premiums to your children’s pocket money and chocolate bars form the vending
machine at work. By noting down every single thing that we buy and how much it
costs it can be very helpful. It is hard t imagine exactly how much we are
spending and what on, but once you note it down it can be really revealing in
several ways. Firstly, we might be buying certain things a lot more often than
we realise We might be buying things that we do not even really need or want.
We might be paying a lot more for certain things than we imagined.

It can be hard to do this as you might be afraid that it will make you feel
like you have to stop buying your favourite things. This is not the point of
the exercise though. You will not have to cut back on everything, it is just a
case if identifying what you are buying. You may find that there are certain
things which jump out at you and you know that they are not really worth
buying, but you will also see things that you definitely want to keep buying.
Even if you have no immediate thoughts, you still need to make sure that are
aware of what the status is with your spending.

**Compare prices
** It can be a really good idea to look at how much you are paying for things
and seeing whether you will be able to reduce that at all. There will be some
items that you will be paying more for than necessary and you should take a
look at the different places you can get it and compare the prices. You might
find that you can make a significant saving on something like insurance or
utilities if you change your provider and you will hardly notice any
difference. Some items you may notice, such as if you switch your favourite
brand of coffee to a cheaper one. However, you may not necessarily find that
the cheaper one is not as nice. It is often assumed that ‘you get what you pay
for’ but often you are just paying for the brand name and you wont necessarily
get a better service. It is worth taking a closer look at what you buy and
what alternatives there are so that you can work out whether you are getting
really good value for money.

**Stop buying things you do not need
** We very often buy things that we do not really need. It can be fun to treat
ourselves but we will spend more money this way. It is therefore a good idea
to think about whether you really want and need to spend all of the money that
you do. Going without a few things can help you to spend less and you may not
even really notice that much. It all depends on what you choose to go without.
If you refer back to the list that you have made, then you will be able to
prioritise your spending. Think about which items you really need to buy and
then see whether you have enough money for those. If you do not then you will
need to think about whether you can get them cheaper or earn more money to
cover them. If you can cover those, then look at what you have left over money
wise and whether you can afford all of the other things that you like to buy.
If you cannot then you should decide which items you would like to pay for and
which you can go without. It may just mean that you have to buy some things
less often or buy less of them. It is a good idea to think about what you are
willing to reduce and what you really want and that should help you to choose.

It may not sound that easy, but once you start, then it gets easier and
easier. If you also make sure that you spend some time reminding yourself of
why you are doing it, this should help. You will be more motivated and more
likely to be happy to cut back a bit.


## How to Afford Eating Out

__Byadmin __December 27, 2019

Many of us really enjoy eating out. It can be a nice treat to have food that
you would not be able to cook yourself and to have a break form cooking. Some
people cannot really cook and so they have to eat out to get a meal anyway.
However, eating out can be expensive and so it is something that most people
cannot do all of the time. There are things that you can try to do though,
which will mean that you will be able to get a bit more money to pay for
eating out.

**Find cheap places to eat

It can help if you choose a cheaper place to eat out. Then it will not cost so
much money for you. You might feel that you would rather eat out less often
and pay a bit more money so that you can get something really special. That is
up to you really! You could always have a budget when you are eating out, so
go to a nice place but stick to a cheaper option. You could perhaps choose to
drink water rather than buying a drink and skipping a starter or pudding or
both. You can then still experience the luxury of eating out without having to
spend so much money.

**Cut down on take away food

Many of us will spend a lot of money on take away food. You may feel that this
does not apply to you, but actually you may do it more than you think. When
you buy a coffee when you are out, a bottle of water or can of fizzy drink. A
sandwich at lunch time or a chocolate bar. All of these things cost money and
there are cheaper ways to get these items without buying them like this. If
you refill your own bottle, make your coffee at home, buy your fizzy drinks in
the supermarket and make your own sandwiches, you will save money. This will
enable you to be able to save that money and put it towards eating out. Of
course, you may not want to save money this way and there will be other ways
that you might be able to cut down the amount that you are spending as well.

**Reduce spending on luxuries

Most of us will spend some money on luxury items. This can include all manner
of things from luxury food and drink, entertainment, clothing, accessories,
homeware and gifts. There will be some things that you will not be prepared to
cut back on at all, but there will also be items that you might consider
cutting back on so that you can free up money to eat out. It will be up to you
to decide whether you feel that you are willing to sacrifice that item so that
you can afford to eat out.

**Earn more

Another option is to see whether you can earn more money. If you are able to
do this, then you will be able to use that money to pay for eating out more
often. Sometimes this can be easier than others. If you are already working as
many hours as you can and have family commitments it might seem impossible.
Those that do not could try to get more hours in their job or do a second job,
which may not be an option for you. However, it might be possible for to do a
bit of freelance work, perhaps working form home or finding an online job.
These may not pay as much, perhaps even below the minimum wage, but they will
be able to provide you with some more money which could be enough to allow you
to afford to eat out.

**Borrow Money

Another option would be to borrow the money. You might decide to cover the
cost of the meal on your credit card or perhaps use your overdraft. This will
mean that you will be able to enjoy the meal and not think about giving
something up or earning more money to pay for it. However, you will need to be
careful to make sure that you have enough money to then repay the debt. Even
if you choose not to repay it all right away, you will need to do so
eventually and you will need to pay the interest on the loan. The addition of
interest will mean that you will end up paying a lot more than if you saved up
and paid with money that you had. Of course, you may just use a credit card to
delay paying for the meal until the statement comes and then repay it in full
then. If you do this it will not cost you anything extra but you will need to
plan to make sure that you will have the money available.

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