The same game every year: costs increase despite relatively equal income. Even if you do not believe it: it is always possible to minimize the financial burdens. Our savings tips for families help you to keep an eye on your expenses and to minimize cost-acres step by step.
Act instead of resign
You probably know many saving tips for families that you do not realize. Often the effort seems out of proportion to the savings. Who wants to switch off the stand-by mode on the TV all the time in order to save around 10 Euros a year? But these small sums add up to a nice little sum at the end of the year. Put the switch in your head and fight this comfortable setting. With our tips, you develop with little effort to a clever Sparfuchs.
Analyze your costs
Before you start saving, you will first find out the biggest cost traps in your household. Make a note of all fixed monthly expenses such as rent, electricity, telephone and then the annual bills for insurance, GEZ or club contributions. Although it may be a bit of a hassle, keep a household book for at least a month and write down all the daily costs of purchasing and other purchases. At the same time you list all your income such as salary, child benefit and interest. Now you have a first overview of how much money is available to you monthly after deduction of all costs.
Reveal cost traps
Take a close look at your expenses now. Where do you spend a lot of money? Some costs such as rent can not influence you. But there are potential savings on many items, and most of the time, we know these financial construction sites very well. If only there was not our inner bastard.
The change to a cheaper provider or a cheaper rate is unfortunately associated with additional overhead: get information, read through the incomprehensible offers and compare offers. Often it is difficult for us to make a final decision, because somewhere could still lurk a better offer.
Our savings tip: If you do too much at once, you easily lose track and ultimately change nothing. Think about which edition you want to reduce first. Just focus on this task until it's done. It is reasonable to inform yourself about the offers of different providers. But not always the super cheap offer is the right one for you and your family. Pay attention to the conditions mentioned only in the small footnotes.
Lower fixed costs:
- Switch to a cheaper electricity and gas provider. The savings are enormous, but only if you change every year to a provider with favorable conditions. Mark the termination date red in the calendar. The change of provider is very simple. You cancel your previous operator and log in to the new one. On special pages you will find the current data of the operators in comparison. Pay attention to the new provider on a price guarantee of one year and avoid payment in advance. Do not worry, you can not go wrong, you always get energy. If you cancel without worrying about finding a new provider, you will automatically land at the primary provider in your area.
- Do you have a big dustbin? You save a lot of money if you apply for a smaller ton. According to the Fees Ordinance, a minimum requirement of 20 l waste volume per person is planned for 14 days. If you push the trash bags vigorously, much more fits in your bin. If there is more waste, put it in a gray, paid garbage bag on the side of the road.
- Often cell phone, telephone and Internet contracts and insurance from a provider are cheaper. Inform yourself about cheap variants.
- Sign out of clubs and memberships you do not need. This also applies to magazine subscriptions. Send a notice immediately.
- Create electrical appliances that suit you and pay attention to low energy consumption. For example, a powerful PC is superfluous if you only write letters on the computer and surf the Internet.
Further savings tips for families
Do not take too many changes at once. First, look at what big issues bother you. Compare the consumption of electricity and water in recent years. It helps you quickly identify where your family is using resources too lavishly. Almost all municipal utilities offer brochures with energy saving tips, which you can also gradually implement.
- Be sure to turn off the standby mode of the electrical equipment at least overnight and during long periods of absence. Involve your child so they automatically get used to turning off the computer. Practical are socket strips with switch to separate the consumer from the circuit.
- Always remove battery chargers, for example for mobile phones, from the socket after use, otherwise they will draw current.
- When buying new equipment such as calculators or watches prefer solar operation.
- Individual components on the gamer PC are quickly out of date. When purchasing a computer, make sure that the individual components can be easily replaced.
- Teenagers usually have powerful gamer computers that consume a lot of power. If the PC is not used for a short time, it should switch to the energy-saving mode. You will find the menu item "Power Options" under Control Panel.
- Screensavers consume a lot of power and are superfluous on newer monitors.
- Is your pubescent child showering extensively every day? Install a water-saving shower head or flow restrictor.
- Use expensive shower gel and shampoo after half of the consumption with water and stretch.
- Your child needs a toothbrush cup to keep the water from flowing while brushing your teeth.
- Most of the time, a lot of water runs into the drain unused until the water reaches the desired temperature. Catch the water and use it to water your flowers.
- Teenagers like to change their clothes every day. You do not need to wash pants and sweaters right away. Simply air outside.
- Go shopping with children when they are full. Hunger raises your appetite.
- Study the advertising leaflets on the weekend and plan your diet according to the special offers. This will save you a lot of money.
- Write the purchase on a piece of paper and try to keep it as possible.
- Children love the well-known branded advertising. Take the test and buy a cheap alternative product. The family covertly tastes both products and rates the taste. Not always, the expensive food proves to be tastier.
- School supplies are expensive. Pay attention to special offers in the advertising brochures.
- Big packages are often not cheaper than regular offers. Always compare the kilo or liter prices. Especially sweets in gift packs are overpriced at Christmas and Easter. Save yourself these useless expenses.
- Often our shelves swell because we collect books, CDs, games and more. Do not hoard things anymore to sell them at the flea market. These are wonderful gifts for relatives and acquaintances.
- Little children are growing fast. Do not spend your money on new clothes. Trade clothing with friends or shop at the second-hand store.
Limit your garbage
We live in a throwaway society. In the future, think carefully about whether you will not find a new use for the alleged waste. Here are some examples:
- Children like to make things. Put a box in the nursery and consistently collect empty paper rolls, boxes of chocolates, ribbons or even colored paper scraps. And then you are amazed at the creative uses of children for garbage.
- Use lockable plastic cans for freezing.
- No one likes to eat crumbly vegetables anymore. Cut small, freeze and use as birch trees.
- Do not throw away wine leftovers but fill in ice cube maker and freeze. This can be used to wonderfully refine dishes.
- Shoelaces are expensive. Always remove the bands from old shoes, wash them and then reuse them.
- Always unplug buttons from old clothes before throwing them away. Even if you do not need so many buttons, they are wonderful as a decoration when crafting. Or sew colorful buttons as accessories on children's clothing. This can also hide small holes.
- Old sunscreen milk is suitable as furniture polish. First test at a concealed location.
Picture credits: pikselstock / stock.adobe.com
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