Money saving tips that will not be frustrating

Subtle changes in lifestyle can lead to effortless saving
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So you are living pay check to pay check with no savings in your account, but you do not want to change your lifestyle? We tend to complicate things when they can be quite simple. Meaning? You can save in effortless ways that will make almost no difference to your current lifestyle. Here’s how:
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Choose a bill and collect it:

\n\nSay you’re often left with $5 (AED20) bills. Make it a habit to save them every time you come across them. Don’t spend them. Choose a single bill to save and watch the amount add up. This way, you won’t have to save thousands every month, but will have saved at least a small amount regularly.
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Eat at home before you eat out:

\n\nIt’s a well-known trick, but eating dinner at home before eating out will save you a ton of cash. That way, you won’t have to lessen your outings. You’d be surprised how much you can save by opting out of a pricey dinner once a week.
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Look for deals and discounts:

\n\nFor example, be smart when you shop or dine. Shop for winter essentials, which are usually expensive, when they’re on sale. A lot of online shops also offer bags or shoes that are less expensive than they are in store. Also, look for restaurants that offer corporate rates or two for one deals. You don’t have to use discounts all the time, but any attempt to save will make a difference.
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If you don’t need it now, you can buy it later:

\n\nDo you really need that new car or is there something more important you’re saving towards, ie your future? Just because you want it, it doesn’t mean you have to buy it. Prioritise your needs and save on things you can afford to save on. The car will still be available to buy next year.
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Track what you spend on the most and find an alternative:

\n\nIf you spend a lot on shopping, vow to shop only once every three months. If you spend too much on dining out, spend a few nights at home instead. You might find you enjoy a home cooked meal every once in a while. Try inviting a friend over for a gathering that will end up saving you both some cash.
Tue 28 Feb 2017 12:56 PM GST
By Lubna Hamdan