Contato: Tel: +55 (35) 4102-1599 / comercial@albaenergia.com.br

Buy on account Have you again ordered two pairs of shoes on account with the intention of keeping one and sending back what doesn’t fit so well?

Buy on account Have you again ordered two pairs of shoes on account with the intention of keeping one and sending back what doesn’t fit so well?

? But somehow there is always zero at the end of the month? Then you are probably making one of these five savings mistakes. We’ll tell you how you can avoid this.

Buy on account

Once again ordered two pairs of shoes on account with the intention of keeping one and sending back what doesn’t fit so well? Then mistake number one happened to you again. A bill that doesn’t have to be paid weeks later just doesn’t hurt at the moment. When it comes, it will be doubled because the shopping happiness has long since fizzled out. If you have to pay right away, you really only take one pair of shoes.

Not knowing the fixed costs

No, not everything is debited at the beginning of the month and you cannot assume that the money in the account on the 5th of the month will be available. Because electricity, GIS or Internet, many things are only debited in the course of the month – or quarterly. So it’s better to do the math and then know how much money is really available.

Think in terms of time

Sure, you want to go on vacation in the summer and then there should be money. But it will be months before summer. The money is often easily in your pocket because you think you can compensate for it over the course of the months anyway. Better to break down the goal into every day so as not to spend too much and to keep track of things.

Underestimate small sums

Oh, the coffee costs only three euros. And then a cake with it makes five euros. What are five euros? Much! This is precisely why sums of money often arise that actually would not have been necessary to spend. The main thing is: questioning every purchase decision. Does it really have to be now?

Just save

If it is not the longed-for vacation, but simply “put money aside to do something nice at some point”, saving becomes much more difficult. The coffee and cake in the coffee house, on the other hand, are much more tempting. So it’s better to think about a specific goal, then the motivation and incentive to save is much greater.

Read news for 1 month now for free! * * The test ends automatically.

More on this ▶

NEWS FROM THE NETWORK

Win true wireless earphones from JBL now! (E-media.at)

New access (yachtrevue.at)

8 reasons why it’s great to be single (lustaufsleben.at)

Salmon shrimp burger with wasabi mayonnaise and honey cucumber (gusto.at)

In the new trend: Shock-Down – how long can the economy withstand lockdowns? (Trend.at)

The 35 best family series to laugh and feel good (tv-media.at)

E-Scooter in Vienna: All providers and prices 2020 in comparison (autorevue.at)

Time to save? Then the best thing to do is to put a 100 euro note in your wallet. The American psychologist Dr.help me write a paper for free Mary Gresham reveals why.

Gresham reveals to the news portal CNBC why you can save money with big bills without struggling.

From a psychological point of view, we simply tend to be reluctant to break into large bills and break them into smaller ones. Therefore, in case of doubt, one would rather forego an issue – and thus save money.

“We treat money differently depending on how we categorize it,” explains Gresham. So we would associate a lot of small notes with different small (and unimportant) expenses, while we would also associate large notes with a special purchase.

A question of appearances

If you look at the cash behavior of Austrians, the advice can sometimes lead to a small problem. According to a survey by ING DiBa, Austrians carried “only” 74.20 euros in cash on average in 2017.

This means that Austria is way ahead in the European average, but it is also well below the 100 euro mark. If you want to follow the advice of the expert, you should at least insert a 50-euro note in this case to activate the money brake in your head.

11 tricks for savers

Would you like to save even more or differently? Here are 11 tricks on how to really save money. Without any frills, I promise.

1. Get an overview

If you don’t know where your hard-earned money is going, it’s hard to correct the flow of money. Therefore you have to get an overview first. What running costs do I have? Which can I delete? Where are my expenses too high? How much do I pay for services? In most cases it is sufficient to look at the bank statements of the last few months. And in very few cases there will be no savings at all.

© Shutterstock

Bonus tip: As soon as you have an overview, it is also helpful to keep it. This works with a wide variety of apps that are always at hand on the mobile phone. Some financial service providers already have practical functions for better control of their online banking.

2. Check service provider

Keyword service provider: What do you pay for the bank? What for the internet? What are the monthly mobile phone costs? Where are you insured? And above all: Isn’t that cheaper? The last question in particular should be asked regularly.

Because of the small amount of cents you don’t have to advance to a jumper right away. But once a year (and depending on the duration of the contract) it is worthwhile to compare whether you have bet on the right cards with your service providers.

3. Shop less often in the supermarket

Ideally, you go to the supermarket less often, but then buy more. As far as the storage options at home allow. The reason for this is simple: the less you shop, the less you are tempted to spend unnecessarily. Depending on how often you have gone shopping so far, it is recommended that you gradually reduce the number of purchases. Real savings professionals only have to go to the supermarket once a month.

© Shutterstock

4. Simply clever, the S-Budget

No-name is often a good alternative to branded food products and is usually much cheaper than the “original”. But we also want to be honest: You have to dare to try things out. Sometimes no-name products are just as good, sometimes even better – and sometimes clearly worse. The simpler the product, the easier the change: How much can you go wrong with pasta, milk or pickles?

5. Cook yourself and take food with you

Of course you like to go to a restaurant. Or gets something from the canteen at work. But it’s cheaper if you cook at home and take your food with you. Plus: That doesn’t mean that you should never go out to eat again. But suppose that at a price of 10 euros per meal you only eat once a week instead of 3, then you can save around 50-60 euros per month. That would be 600-720 euros per year!

6. No meat

It’s actually quite simple and, on top of that, good for your karma: Eat as little meat as possible. Meat in large quantities not only has the property of being unhealthy in the long term, it has also become very expensive fun. If this is difficult for you, you can slowly condition yourself to abstinence here as well.

© Shutterstock

7. Plain colors in clothing

“Kiwi”, “berry” and “neon” are sometimes fancy. But sometimes not. And it is not so easy to combine stronger and / or more unusual colors. Even less with patterned motifs. If you want to be on the safe side when it comes to costs, buy set and single-colored items of clothing that can be easily combined with one another. Black is not only the new color, it also costs less in the long term.

8. Pay attention to quality

That may be

Saving tips

out of place, but the exact opposite is the case: If you buy an everyday object, you can invest in quality. This costs more money, but such products usually last longer and sometimes even come with an extended guarantee. For example, a more expensive washing machine is still cheaper than two cheap ones.

9. Buy “slow”

If you want to buy something, you should postpone the purchase for 1-2 days. This avoids impulse buying. If you still want the desired article after the time has elapsed, then this is an indication that you really need it.

© Shutterstock

10. Remove or avoid (saved) credit cards

One click and it’s there. Online shopping is that easy these days. And that’s how easy it is to lose money for (mostly) unnecessary things. Anyone who therefore deletes their preferred payment method on the preferred shopping portals is building an additional hurdle. The required input reduces the likelihood of impulse buying and gives you more time to think.

11. The € 5 trick

Finally, an unusual but very effective savings trick: As soon as you get a 5 euro note back when buying cash, you put it on your side instead of spending it again at the next opportunity. If you manage to do this over a longer period of time, you will be amazed at how much money was generated.

Read news for 1 month now for free! * * The test ends automatically.

More on this ▶

NEWS FROM THE NETWORK

Win true wireless earphones from JBL now! (E-media.at)

New access (yachtrevue.at)

8 reasons why it’s great to be single (lustaufsleben.at)

Salmon shrimp burger with wasabi mayonnaise and honey cucumber (gusto.at)

In the new trend: Shock-Down – how long can the economy withstand lockdowns? (Trend.at)

The 35 best family series to laugh and feel good (tv-media.at)

E-Scooter in Vienna: All providers and prices 2020 in comparison (autorevue.at)

You want some cash for your next vacation or a new TV

save up

? But somehow there is always zero at the end of the month? Then you are probably making one of these five savings mistakes. We’ll tell you how you can avoid this.

Buy on account

Once again ordered two pairs of shoes on account with the intention of keeping one and sending back what doesn’t fit so well? Then mistake number one happened to you again. A bill that doesn’t have to be paid weeks later just doesn’t hurt at the moment. When it comes, it will be doubled because the shopping happiness has long since fizzled out. If you have to pay right away, you really only take one pair of shoes.

Not knowing the fixed costs

No, not everything is debited at the beginning of the month and you cannot assume that the money in the account on the 5th of the month will be available. Because electricity, GIS or Internet, many things are only debited in the course of the month – or quarterly. So it’s better to do the math and then know how much money is really available.

Think in terms of time

Sure, you want to go on vacation in the summer and then there should be money. But it will be months before summer. The money is often easily in your pocket because you think you can compensate for it over the course of the months anyway. Better to break down the goal into every day so as not to spend too much and to keep track of things.

Underestimate small sums

Oh, the coffee costs only three euros. And then a cake with it makes five euros. What are five euros? Much! This is precisely why sums of money often arise that actually would not have been necessary to spend. The main thing is: questioning every purchase decision. Does it really have to be now?

Just save

If it is not the longed-for vacation, but simply “put money aside to do something nice at some point”, saving becomes much more difficult. The coffee and cake in the coffee house, on the other hand, are much more tempting. So it’s better to think about a specific goal, then the motivation and incentive to save is much greater.

Read news for 1 month now for free! * * The test ends automatically.

More on this ▶

NEWS FROM THE NETWORK

Win true wireless earphones from JBL now! (E-media.at)

New access (yachtrevue.at)

8 reasons why it’s great to be single (lustaufsleben.at)

Salmon shrimp burger with wasabi mayonnaise and honey cucumber (gusto.at)

In the new trend: Shock-Down – how long can the economy withstand lockdowns? (Trend.at)

The 35 best family series to laugh and feel good (tv-media.at)

E-Scooter in Vienna: All providers and prices 2020 in comparison (autorevue.at)

You want some cash for your next vacation or a new TV

save up

? But somehow there is always zero at the end of the month? Then you are probably making one of these five savings mistakes. We’ll tell you how you can avoid this.

Buy on account

Once again ordered two pairs of shoes on account with the intention of keeping one and sending back what doesn’t fit so well? Then mistake number one happened to you again. A bill that doesn’t have to be paid weeks later just doesn’t hurt at the moment. When it comes, it will be doubled because the shopping happiness has long since fizzled out. If you have to pay right away, you really only take one pair of shoes.

Not knowing the fixed costs

No, not everything is debited at the beginning of the month and you cannot assume that the money in the account on the 5th of the month will be available. Because electricity, GIS or Internet, many things are only debited in the course of the month – or quarterly. So it’s better to do the math and then know how much money is really available.

Think in terms of time

Sure, you want to go on vacation in the summer and then there should be money. But it will be months before summer. The money is often easily in your pocket because you think you can compensate for it over the course of the months anyway. Better to break down the goal into every day so as not to spend too much and to keep track of things.

Underestimate small sums

Oh, the coffee costs only three euros. And then a cake with it makes five euros. What are five euros? Much! This is precisely why sums of money often arise that actually would not have been necessary to spend. The main thing is: questioning every purchase decision. Does it really have to be now?

Just save

If it is not the longed-for vacation, but simply “put money aside to do something nice at some point”, saving becomes much more difficult. The coffee and cake in the coffee house, on the other hand, are much more tempting. So it’s better to think about a specific goal, then the motivation and incentive to save is much greater.

Read news for 1 month now for free! * * The test ends automatically.

More on this ▶

NEWS FROM THE NETWORK

Win true wireless earphones from JBL now! (E-media.at)

New access (yachtrevue.at)

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Aliquam sodales sem ex, ut dignissim mauris pretium eget. Cras bibendum lorem vel elit pulvinar, a aliquet erat malesuada. In maximus pretium velit, vitae sollicitudin nibh vestibulum fringilla. Fusce eu lacus dignissim, lobortis nisi sed, fringilla arcu. Nunc sagittis tortor id enim scelerisque, vitae viverra nulla tincidunt. Proin elementum, eros vitae auctor tincidunt, mauris leo lobortis lorem, ac interdum ex ante sed ex. Curabitur ultrices faucibus congue. Aenean viverra ante quis sodales tincidunt. Aenean molestie sapien mi, nec tempor orci blandit nec. In aliquet commodo urna eget scelerisque. Morbi bibendum erat felis, eget commodo libero porttitor lobortis. Quisque metus elit, sodales sit amet sagittis eget, malesuada gravida massa. Sed neque odio, pharetra vel velit sed, rutrum accumsan diam. Ut porta tortor id felis fringilla, vitae iaculis dui egestas. Pellentesque a leo et velit sodales rutrum.