People are often careless about how they spend their money. Within a few days of getting paid, many of us have spent most of what we earned. This can cause serious long-term money problems, making it impossible for you to reach your financial goals. Improving your finances can seem like a lot of hard work, which is why many of us avoid doing so. Thankfully, there are ideas you can try, which take very little effort. With that in mind, here are six lazy ways to save money.
Pick A Different Job
The long drives many of us take to work each morning are costly, as well as frustrating. To eliminate this travel expense from your budget, you should start working from home. Whether you run your own business or telecommute your current job, this decision benefits your finances in many ways. As well as saving on car costs, you will also reduce food and clothing expenses.
Get the best possible deal on your mortgage
Your mortgage is probably your biggest expense. That means it’s vital to get the best, possible deal on it. Start by doing your research on what options are available to you. Then try running them through a mortgage interest calculator to see how they compare with each other.
Once you’ve done that, try researching what options are available to people with slightly better credit scores. If there’s not much of an improvement, then you might just want to go ahead and remortgage as quickly as you can. If, on the other hand, there’s a big improvement, then it might be better to improve your credit score and then apply for a new mortgage.
Either way, as soon as you get your new mortgage, make a note to reassess it at a reasonable point in the future. You want to wait long enough to get the full benefit of your current deal. For example, you want to recoup any initial outlay setting it up. At the same time, you want it to be short enough that you get the benefit from any new offers as soon as you can.
In the meantime, do whatever you can to improve your credit score. This will help you to qualify for the most attractive mortgage deals.
Automate Your Bill Payments
Having your bill payments leave your bank account automatically means that you’ll never accrue a late payment fee. If you used to send out checks, you will also save money on them, as well as envelopes and stamps. However, you must make sure that there is enough money in your account. When there isn’t, the payment will bounce, and you may be charged a fee later.
Toilet Train The Cat
As much as we might love them, cleaning up after pets is far from fun. Thankfully, with a little training, you won’t ever have to clean another litter tray again. Training your cat to use the toilet might seem an impossible task, but many animals take to the habit very well. If you can train your cat to use the bathroom, then you can take the cost of kitty litter off your monthly budget.
Stop Washing Your Clothes
The amount of water one load of washing uses is huge. This is why, whenever possible, you should wear your clothing for more than one day. When you do wash your clothes, make sure you dry them inside, using a clothes airer at Latest Deals, for example. Limiting the number of washes and drying using an airer will both reduce the damage caused to the garments.
Go Grocery Shopping Online
Being able to do the weekly shop while sitting on the sofa is one of the many reasons why mums love the internet. Not only do you save time and unnecessary hassle by shopping online, but you can save money too. This is because it’s easier to find great deals and coupons on the internet. When you have your food delivered, you also eliminate the cost of driving to the supermarket.
Head To Bed Earlier
We need adequate sleep to live healthy lives, which is why sleeping longer each night can reduce medical costs. When you’ve had a good night’s sleep, you also find it easier to focus, making it less likely that you’ll get into an accident. Sleeping for longer means that you’ll use less electricity and eat less food too, reducing your energy and grocery bills.
If you’re too lazy to take care of your finances, then follow the helpful advice above.