¿Cómo ahorrar dinero?
Sometimes it is difficult for us to save efficiently and constantly to be able to face unforeseen expenses, trips or whims. In order to enjoy that peace of mind that having saved money gives us, it is necessary to follow different methods that will help us achieve it. The key is to think about the concept of piggy bank, that place where you will allocate a certain amount of money as if it were your bank, but for your savings and in a more traditional way.
If you want to know how to save money in a piggy bankThe first thing is that you should place your piggy bank in a visible and accessible area of your home to keep your goal in mind every time you see it. Currently it is less and less frequent to carry cash in hand, since we make most of our payments by card, however, it will be essential that you be able to deposit those small expenses that you will save from your day to day in cash.
Different types of piggy banks can be used depending on your needs, you can use them to save small daily expenses, to save a certain amount of money as a couple or to take a trip at a certain time.
There are many people who start save money in a piggy bank without an established or concrete objective, so they end up getting tired and forgetting the challenge that had been proposed. It is very important that you do it with a goal and keep it in mind.
traditional piggy bank
¿Te acuerdas de la típica hucha de cerdito cuando eras niño? Una hucha con forma de cerdito rosa de porcelana con una pequeña ranura en la parte superior en la que almacenabas tus pequeños ahorros, sin poder sacarlos y sin saber la cantidad ahorrada hasta el momento. La idea era romperla en el tiempo estimado y al abrirla ser completamente “rico” gracias a tus ahorros diarios. Una técnica utilizada por todos desde niños y que puedes adaptar a tu vida adulta para conseguir ahorrar de forma más tradicional.
You can continue using this technique even if you are an adult, and although you probably won't end up rich thanks to this method, you will be glad of your effort once you see how much you have managed to save. To do this, you can perform different actions:
- allocate a small percentage of your salary to the piggy bank and not count on that money.
- put in the piggy bank the coins or cash you carry in your pockets or in the wallet at the end of each day.
- Avoid those ant expenses como el café de las mañanas que te has acostumbrado a tomar y depositar su precio en tu hucha, si cada día te gastas 1,50€ al día, conseguirás ahorrar al mes unos 30€.
This type of piggy bank has a fundamental characteristic that you may like more or less, being made of porcelain you will not see the amount of money you have been accumulating, so perhaps you prefer it so as not to give up once you see that it is very full, or for On the contrary, it can discourage you not to see your effort reflected in it. Although you can always hold it and check if it weighs enough or if the pig should continue to gain weight.
Piggy bank to save as a couple
Saving money as a couple to achieve a common goal can be complicated, you need to establish clear rules and a lot of trust. Managing finances well in a relationship is one of the keys to success for many couples, as different issues will arise that you will have to resolve together. Will you contribute the same amount of money in common each month? Will the one who earns more put in more money?
For this, before making a decision, it is necessary set an objective or goalFor example, a vacation, buying a television, redecorating your home... Depending on your goal, you will establish a minimum budget that you must contribute each and in how long must be met.
You should find the method that suits both of you and don't rely on simple methods like “don't touch certain money” or “hide it” as you will be tempted to use it at any time. Search one piggy bank to save as a couple really effective with which you cannot withdraw your money whenever you feel like it and where you enter the set amount and those small day-to-day savings. Do not forget to follow the following recommendations:
- exercise trust
- Set a goal together
- Plan the savings strategy
- set a deadline
- Use an effective savings bank
- Establish intermediate goals
travel piggy bank
When you decide to plan a trip it can be difficult to reach the budget for the dates indicated. You need to set some times and start save in advance, For example, if you usually take a trip in the summer, it is advisable if you start at the beginning of the year or months before the scheduled date in order to have enough time to establish your savings and reach the estimated budget.
There are many types of travel piggy bank with fun shapes, such as a suitcase, an airplane, or with motivational phrases that will encourage you to continue saving and reach your goal.
You must make a realistic budget, since there are some expenses that we do not have at first, we save for flights, the hotel, lunches... but we cannot miss the beers between meals, the ice creams after the beach or the tips . They are expenses that are not usually taken into account and yet, they affect the cost of the trip.
If you want more information, we recommend you take a look at this other post about the differences between free prepaid card and wallet account.