13 Tips for Saving Practical for Autonomous
The ubiquitous economic crisis is affecting with special virulence to freelancer and autonomous they see on the one hand how reduces the number of orders and receiving and, on the other, how it increasingly difficult to charge for its work.
Arriving in order to month can poses a challenge for this group of professionals who have no choice but to step onto the cart of savings to move forward. In MuyPymes we want to contribute 13 practical tips to cut our costs.
Each profession is a world, and we all know quite well how we can cut costs in order to “reach in order to month”. What we are proposing below therefore, it is not a man theoretical on savings, we are not going to discover the penicillin. Simply expose some small tips that, without being the panacea nor the magic formula of savings, if that can help cut the money we invest each month in our daily lives.
Finance
1. Try aside that money that right now no need for a future in which probably need. Begins to think that the money has ceased to exist. Do not have, on account for your future purchases, your vacation or even the mortgage payment. Use only in case of need, make sure he is there when you need it.
2. Think about the possibility of a personal budget. Determines the areas you can save. Short with all purchases and expenses that you consider redundant or unnecessary really. If you cannot let go of all them, least removes some of the most important, or several of the most insignificant.
3. If you get money unexpectedly (a customer with no longer count, for example) take to pay outstanding debts. As soon as possible “tapes these holes” better, because we do not know what the future we may hold.
4. In addition to create a “emergency fund” as the seen in the first of the points, we can plan the creation of another for “shopping unexpected”. Use it to give you a whim of time to time. The fact that we are in economic crisis does not imply that we should renounce all the pleasures of life.
5. Limited to maximize the use of credit cards. Cancels all credit cards that we have less than one, and that “a” use of a more responsible manner possible. Maintain several credit cards implies commissions, maintenance costs, encourages the consumerism… If you can avoid carrying in the portfolio and move exclusively with a debit card.
Technology
1. Although laptops have won the battle against the desktop, considered seriously if you really need one in your daily life. If you are not mobility requirements, or you are a person who needs carry your computer, chooses to buy a PC desktop: with similar benefits are much cheaper than laptops, and its life cycle is longer. In addition, any repair that you have to do you prove less costly, and you can always easily expand its capacity or improve their characteristics, which, in a laptop is more complicated.
2. One of the consumable more expensive are the cartridges for printers. Before you buy new cartridges considers the option of you with a kit recharge cartridges, or you can choose to acquire cartridges clones that marketed many distributors of computers. Before you buy a new printer appreciates elements such as the energy savings, the cost per page, the cycle of life of its cartridges, etc.
3. Avoids as impulse purchases. The fact that all have a GPS Navigator does not mean that you need one. Prior to buy the last gadget of the market ask if you really need and what you need it.
4. The majority of commercial applications more used in an office (Office, Photoshop, etc. ) have an alternative Open Source free in the 95 percent of the cases are perfectly adapted to our needs. Do not buy software licenses unless it is not strictly necessary. If you begin to how with ease, considers the possibility of switch to Linux.
Maintenance and office
1. Acquires light bulbs. Now the Ministry of Industry has launched an awareness campaign on its use. The light bulbs not only have a cycle of life much longer than that of a bulb normal, but are also more ecological. This maximum you can also take into account if you in the obligation to change any of your appliances: opts for energy efficiency.
2. Before making any purchase, either for your office, either for your home, performed a little research. On the Internet there are hundreds of web that we can offer prices that are much more competitive than in establishments “toward the public”. If you need acquire material for your office, adapt to do so “wholesale” in elements such as the stationery.
3. If you need to use your vehicle to move daily at your job find out if any of your fellow follows a similar path to yours. If you share vehicle you can save enough money in petrol and maintenance of the car.
4. Avoids meals outside the house. Eat in restaurants not only is more expensive than preparing our own food but also, by very good to be the restaurant in question, is much less healthy.