«Financial Education»
Precious Tips for Saving some Money 1. Calculate your monthly and anual budget.
2. Foresee extraordinary expenses (for each year) such as: gifts, holidays, repairs, insurance, car maintenance or purchases of high value.
3. Review your budget every month. If necessary, correct it.
4. Every month, try to save some money to set up an emergency fund.
5. It is important to prioritize your spending. Understand which are the necessary expenses and those that you may reduce.
6. If each month you put aside a small amount for Christmas gifts or holidays, for example, you don ’ t have to worry so much when those moments arrive.
7. Banking over the internet is significantly cheaper.
8. If you drink a coffee at home every day it will allow you a saving of 18 euro per month. Having lunch, during the week, in a restaurant costs at least 132 euro monthly.
9. If your car is old you must review your insurance.
10. Check the pressure of the tires of your car. An incorrect value can increase fuel consumption by 5 percent.
11. The best time of the day to fuel your car is early morning or evening .
12. Avoid traveling by car for short trips. Walk because it is healthy and lowers cholesterol and blood pressure (you will save on medication and gain in health).
13. Choose seasonal products and from your region. These are cheaper, fresher and healthier...
14. Buy fruit and vegetables in the market.
15. Never forget to compare the prices per kilo or liter.
16. Go to the grocery store outside of mealtimes and avoid taking children. It is proven that when we go shopping with an empty stomach, we usually buy more things.
17. The pre-cooked meals are always more expensive. Prepare your meals for the week on Saturday and Sunday. You can freeze them.
18. Before leaving for the supermarket, make a shopping list and set a maximum amount to spend. Buy only what is on the list ...
19. Look for promotions and special offers. Choose family packages.
20. Go to the cinema when the tickets are cheaper.
21. Track promotions and choose "white spots".
22. Try to increase your income (if you like to cook or doing crafts, for example, you can sell what you produce).
23. Each energy-saving lamp saves between 5 and 10 euro per year.
24.The connected appliances o n standby represent an annual increase of 10 euro in the light bill.
25. Avoid connecting the heating on the maximum.
26. Be sure you don’t lose heat through windows or doors of the house. Choose double glazing (windows).
27. On summer keep the blinds and shutters down.
28. the fan.
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29. Take the cold water while waiting to reach the ideal temperature. That will serve to wash the floors, watering plants ...
30. Showers save 80,000 liters of water per year. A plastic bottle filled inside the cistern, determines a saving of 10 liters of water (day).
31. Close the tap while brushing your teeth. This gesture allows you to save about ten liters of water per year.
32. Adjust the temperature of your water heater and turn it off when you are not using it.
33. Close your pots while you are cooking. You will save gas.
34. Remember to clean the ice from the freezer. A freezer filled with ice decreases efficiency and increases power consumption.
35. Remember to clean the ice from the freezer. A freezer filled with ice decreases efficiency and increases power consumption.
36. Check regularly that you don’t have dripping taps at home.
37. Don’t use the washing machine or dishwasher until they are full. Avoid wasting water and electricity.
38. To water the garden, use the rain, which can be stored in buckets. On summer, water only once per week, rather than all days. One hour of daily watering is equivalent to a consumption of 450 liters of water per year.
39. Wash your car with buckets of water, instead of using the hose.
If necessary,
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Work done by students of class 5 A. Agrupamento de Escolas de Cinfães