As the US and other western nations continue their recovery from the global recession, more and more citizens and consumers are looking for ways to save money. This ethos is employed in all areas of existence, from day to day expenditure through to sporadic and luxury spending. However, the core emphasis for frugal living relies on saving through regular and necessary consumer spending, rather than reducing the amount sourced and spent on luxurious items and experiences. Statistics show that all forms of consumer spending have risen between 2000 and 2009, and also that the inflated expenditure far exceeds rises in average income and salary.
For those on a tighter budget, there are many ways to save money on food, drink and other household necessities. Although these processes often involve consumers having to spend more time to find discounts and devise money saving strategies, the end result can be seen at the end of each month. By reducing expenditure, a household can in effect begin to save money and capital for future times of need and hardship. If periods of recession teach society one thing, it should be that when experiencing economic growth and prosperity, each citizen has a duty to spend responsibly and save money for periods of financial regression.
Saving on Weekly Expenditure
The most effective avenue to saving money is on day to day expenditures. By saving money on groceries, drink and household bills, a consumer can create the biggest possible excess in their residual income. When buying food and drink, many consumers find that shopping online helps to reduce thier overall costs and also the wastage of unused items. This is because customers are able to browse a supermarketsor retailers website at their leisure and calculate the outgoings throughout the process and even at the checkout stage. This means that they are able to adjust their list as they go along and not only be aware of every cent that they spend, but also make sure that what they purchase is required and necessary.
Coupons can also be used to save money. Available through various oulets, coupons or discount vouchers offer reductions on certain products at particular stores, and by exhibiting patience and saving these vouchers a customer can make considerable reduction on their daily, weekly and monthly expenditure. Along this theme, there is also a way of purchasing a bulk collection of discounted vouchers for goods and services. This type of book is sold through various internet outlets, and can cost anywhere between $40 and $60, but allows the purchaser to save hundreds of dollars a year on lifestyle products, event experiences and a range of restaurant and store expenditure.
Expenditure on gas and electric also takes a significant sum out of a consumer’s monthly budget. However, many homeowners and renters are unaware as to how much heat, electric and water they waste on a daily basis. Energy consumption statistics reveal that by leaving an appliance on standby overnight, a consumer can waste hundreds of dollars each year as well as causing damage to the environment. With the use of gas boilers also prevalent in households, it is pertinent for the owner to regulate the heat that they produce, and this can be done through using a timing mechanism to automatically control the thermostat. Further to this, there are new innovations in software that allow certain consumers to measure their energy consumption online and save money with their independent service provider.
Saving Money through Frugal Living
Through these simple ways to save money, living cheaply can be a cost effective and yet still comfortable exercise. It is not necessarily a case of cutting out necessary items or the odd luxury expenditure, but more a case of a consumer managing their finances and taking a complete overview of their spending trends. This concept works by ensuring that each member of society is aware of every cent that they spend on a daily and weekly basis, and therefore enables them to maximize their earnings and value for money. By simply focusing on omitting certain items from a lifestyle or reducing specific luxury costs, then a consumer runs the risk of leaking money through various areas of expenditure that they are choosing not to concentrate fully on.
The need for these precautions is simple. Where members of a society continue to spend at rates that are not reflective of their annual income, then consumer debt is likely to follow. The statistics already suggest that consumer spending has continued to rise despite the soaring levels of personal debt, and that these increases are prevalent amongst day to day expenditures such as food, drink and energy. If the practice of irresponsible spending and negligence towards frugal living and saving continues, then more and more US citizens will find themselves plunged beneath the poverty thresholds without any financial savings to their name.
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