Cut the unwanted [/\]

As a Financial Influencer, i know How important it is to cut down on expenses while keeping up with the rising Inflation rates in INDIA.

So I, have complied a list of 10 Things that can help you meet the cost of living without breaking the bank.

Certainly! Managing expenses in your 30s can lay a strong foundation for your financial future. Here are ten major areas you can consider cutting down on-

1.? Dining Out: Eating at restaurants and ordering takeout can add up quickly. Cooking meals at home can be much more cost-effective. According to BusinessToday, Inc food prices have risen by 4.94% in the past year alone.

Until you find some impressive date nights/ meetings sponsored by someone special just in case lol : )

2.? Subscription Services: Evaluate your subscriptions such as streaming services, magazines, or software subscriptions. Cancel those you don't use frequently.

3. ?Transportation Costs: If possible, try to use public transportation, carpool, or even bike to work to save on fuel and maintenance costs.

Those who are left with no option of work from home

4. Housing Expenses: Consider downsizing to a smaller home or finding a more affordable neighborhood. If you own a home, refinancing your mortgage at a lower interest rate could save you money.

5. ?Utilities: Be mindful of your energy consumption. Simple habits like turning off lights when you leave a room or using energy-efficient appliances can make a difference.

6.? Shopping Habits: Avoid impulse purchases and stick to buying what you need rather than what you want. Look for sales, buy in bulk, or consider buying second-hand items. Take advantage of sales and discounts while shopping .Keep an eye out for festive season sales or online discounts. Consider Buying generic brands instead of premium ones. They are often just as good but cost much less.

7. Entertainment: Instead of expensive luxury outings, look for free or low-cost activities like hiking, picnics, or visiting local museums or parks.

8.? Gym Memberships: If you're not utilizing your gym membership regularly, consider canceling it and finding alternative ways to exercise such as outdoor activities or home workouts.

9. ?Credit Card Interest: Try to pay off your credit card balances in full each month to avoid paying high-interest fees. If you have balances on multiple cards, consider consolidating them onto a card with a lower interest rate.

Try to negotiate better rates on your insurance policies or credit card interest rates

10.? Miscellaneous Expenses: Keep track of your miscellaneous expenses such as ATM fees, bank fees, or late payment fees. These small charges can add up over time. Make a budget and stick to it. Keep track of your expenses and find ways to save wherever possible.

Remember, cutting down on expenses doesn't mean depriving yourself of everything enjoyable. It's about making conscious choices to prioritize your financial goals and spending on what truly matters to you.

POV -- Inspired by ---- 19/4/2024 , 9 pm cravings

All i waana say is yesterday night , just went outside to grab some shake for me, ordered normal sized glass of mango shake with ice cream without any cashew topping (sad part of story ) @rs177, in decent to go dine out outlay. And since then I am in SHIK SHAK SHOK !!!

I could have taken the wiser step here, but never mind accept the mistake and learn from it.