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Existing borrowers not happy with loan rates; will EMIs come down? Controversy decoded On a daily basis, we end up spending a lot more than what we should. Staying a bit careful and making some lifestyle changes can save a lot of our money. Let us have a look on how we can save a little more in our day-to-day life.
Automate credit card payments
Many-a-times we forget to pay the credit card bills and miss the minimum payments. In such cases the credit card companies charge a huge amount of interest. The best way to avoid such losses is to avail the auto debit facility provided by the banks. By putting the credit card on the auto pay mode, the amount spent through the card or EMIs will get deducted automatically on a certain date of the month. This can save on the interest that we pay after making late payments.
Reduce your communication cost
Communication is a necessary cost that we have to bear on a daily basis. The best way to reduce the communication cost is by staying closer to office. This will cut down your commute cost and also travelling time. The other options are to avail share cabs or public transport. At times we are late to office due to traffic jams and that leads to leave without pay. Try and avoid that.
Carry your own food
Many of us end up ordering food while at office. Ordering food from outside adds to our daily expenses. Carry your own meal or use a tiffin service. Replace fruits with unhealthy snacks. This will save a lot of your money and also health.
Avoid shopping at office
People have the habit of surfing through online shopping portals in between work. By doing this we end up buying stuffs that we do not even need. We also discuss fashion trends with colleagues and order those online. Avoid impulsive buying by not opening online fashion portals during office hours.
Stay healthy
Invest in physical fitness and by health insurance. Many-a-times we are unable to attend office due to illness and have to avail unpaid leaves. Make some changes in your life like exercising, eating healthy, walking an extra step while returning from office.
