We all dream of having more money and doing amazing things in our lives. But when it comes to reality it is a bit different. We just get home from work and we do not want to work extra hours to make extra money. We are tired after all we did a whole eight hour day sitting in our cubicle, or we had to check out someone’s groceries. It will take extra time and picking up another job with late hours and we won’t get enough sleep to get through the day. But what if it wasn’t all of that? What if you could change your finances without needing to pick up another job? I bet there is something in our daily lives that we could change that would change our finances as well. Let’s look deeper into this and see if there is actually a way we could keep on top of our finances, without having to pick up an additional job.
Balancing your Bank Account
Yes, it is nice that we have online bank accounts now and our computer does all the hard math for us. But have you ever seen on your online account that it takes a little bit of time sometimes depending on the type of the transaction how quick it will take effect on your bank account? With the time that it takes to show, you will think you have more money then you do then you will overspend. When you overspend you run the risk of having insufficient funds with one of your bills or expenditures. That will be an additional fee that your bank will collect from you, that you need more then they do. So start watching your bank account and that will save you from additional fees as well as help you stay on top of your finances.
Eating out too much
You cannot tell me that the McDonald’s combo was that delicious that you could not make better yourself. With the price that it takes you to purchase that combo from your favorite chain restaurant you could of went to the grocery store and purchased enough food for three days! If you are looking at saving money with your finances and to stay on top of your finances. Then it is time to trade some time for money because that is all these restaurants are saving you is time.
No bargain shopping
I know Hollywood makes millionaires look like they are throwing money all over the place but do you really think that is what happens? Many millionaires are penny pinchers and look for bargains a lot, how do you think they made all that money? It definitely was not from jumping in a pool full of quarters like Scrooge McDuck, it was from looking for a deal consistently and not overpaying for a product or service. Staying on top of your finances, in the long run, can make you financially free and on the way to success as well, it just takes consistency.
We trade time for money every day of our lives, but if you are looking to get on top of your finances and save yourself some money along the way. Then you need to make a little extra effort, not for someone else or for a company but for yourself. This is just a few ways to stay on top of your finances, but just remember consistency in keeping track of your finances is the only way to wealth down the road.