Make the Working Week Less Expensive
Going to work every day can be an expensive business, can’t it? You probably spend a fair amount of your monthly wages this way without even realising it. The first step towards spending less money during your working week is to figure out what exactly you spend it all on in the first place. Once you have done this then some of the following ideas could help you cut down on your expenses.
A Cheaper Commute
With the cost of fuel these days it is no surprise to find that the daily commute is one of the biggest regular expenses for most of us. In fact, some studies suggest that many UK workers pay more on their commute each month than they do on their mortgages. The good news is that there are some very simple ways to lower the cost of commuting. For a start, you could look at car sharing or car pooling. This is an incredibly simple and hugely effective idea. If you work beside people who live near you then it makes perfect sense to share the cost of commuting with them by travelling together. If you live close enough to your place of work to walk or cycle there then you will enjoy more benefits than just the financial side. You will also get some great exercise, will feel better at the start of the working day and will be doing your bit to help the planet. Even walking or cycling to work one day a week is better than nothing in this respect.
The cost of buying lunch is another of those regular expenses which can really mess up your finances month after month. Buying good value sandwiches might seem like a low cost option but if you add up the cost over a working month it probably works out at more than you think. By making food at home and taking it with you the cost will be lowered and you will probably eat a lot more healthily as well. You might not feel like doing this every night or every morning, so making a batch of food on Sundays and freezing it is a smart move. If you have access to a kitchen or microwave at work then your options are going to be far greater.
Avoid the Shops
Lunch time might only last an hour or so but you can fritter away a lot of money in that time if you aren’t careful. If your typical lunch hour involves wandering around the shops then you probably find a lot of tempting offers which you just can’t resist, even if they aren’t things you really need. A better idea is to take a book with you (from the public library) and sit down on a park bench or beside the river or wherever looks good. This will help you relax and enjoy the break without being tempted to spend money.
Straight Home from Work
Another dangerous time of day is immediately after you finish work .This is when it is all too easy to wander over to the shops or to go for a drink or for something to eat. Of course, this kind of thing is fine now and then but it shouldn’t really be a regular routine. By going straight home you cut down on your costs and make the nights you stay out longer seem more special.
A couple of months of doing these things and you should notice a difference in your financial health without feeling that your lifestyle has suffered any drastic changes.