As I was preparing this article about how to save money, it occurred to me that although there were many tips on the internet to help you cut down on your monthly expenses almost all of them required you ditch your car, your holidays, and your children (in no particular order).

It was like you were forced to sacrifice all your worldly desires and live like a pauper to somehow achieve spiritual nirvana.

As I was pondering whether I should join a hermit religious sect in order to give up all my material wants to save money to purchase all the expensive items I wanted, I had my Eureka moment.

Do you want to save so much money that it makes your life miserable and sucks all the joy out of living like a complete douchebag who wants to spend money in a shopping mall just to do?

I wanted to find ways to reduce your monthly expenses without affecting your lifestyle. That’s saving money!

Who wants me to tell you to save money by taking a train that’s packed worse then a sardine? When you could be driving down the highway in your pink Hello Kitty Audi R8 with style! The R8 is my choice. You should, too.

Let’s stop beating around the bush.

These six methods will help you reduce your monthly expenses while still enjoying an amazing lifestyle.

1. Wide economic moat

This is not a bad thing, but I’m sure you get the point. You can easily fall into debt by spending excessively on your credit cards. This tip is not for you if you are someone who can’t manage your spending and charges all your credit cards, but only pays the minimum amount each month.

Credit cards can be a great way for you to save money if you are responsible enough to pay your credit card bill IN FULL (regardless how much you spend).

How can that be?

You will not be charged interest if you pay your credit card bills in full each month. It doesn’t matter if you pay cash or credit for your purchases, so it might be worth using your credit cards.

  • Earn points You earn reward points for every dollar you spend on credit cards. These points can be used to redeem later for free stuff or return tickets to the Maldives .
  • Get bonus perks and discount. You may be entitled to discounts or special perks by using your credit card at certain outlets. This is a great way to save money. It’s a great way for you to appear expensive while being inexpensive by taking your time and whipping out a black-coloured credit card.
  • This is like getting a 2-month interest-free loan. Consider this: You use your credit card first for 30 days. After that, they send you a bill. You have a whole month to repay your credit card debt. You get a two-month interest free loan with your credit card, while also earning points, perks, and discounts. It’s not bad at all.
  • Credit cards cannot be used to spend beyond what you have available. Credit card interest rates are 24% per year. These are the annualized returns that made Warren Buffett multi-billionaire. Credit cards earn those rates from you.

    Spending with credit cards should be treated as if it were your own money. Credit cards can be a smart way to save money, provided you pay your credit card bills in full each month.

    2. Music is always free. Kinda

    If you are still the kind of person who wanders the Jurassic era eating ferns and buying CDs from your favourite musicians, I have some good news: “Music’s free

    YouTube is the largest live repository of music anywhere in the world, if you didn’t know. Every. It’s possible to find every song ever made. This. (I had to share this amazing and hilarious childhood video.

    Hmm… I wish there was a way for all those FLV videos to be converted into MP3s. Hint, hint. But I could go on, but that’s not what I’m going to do.

    If you’re looking to show your love for your favorite artists, rather than ripping off their music like a scrooge, go to their concerts, buy their tracks on Amazon/Itunes, or purchase their memorabilia such as the Justin Bieber boyfriend singing toothbrush. This will finally prove that you’re a true fan.

    3. Cut spending on books

    Before I start, let me say that I lovebooks. The printing press is the greatest invention ever made. I wouldn’t be able learn as much about the wonders and galaxies without books. Books can be costly – I could go on a book binge, choose 4-5 books, and spend $150-$200 in a bookstore.

    How can I satisfy my insatiable thirst to know more about black holes and tantric pleasures (both unrelated topics) without spending a lot money? You can go to the library, which is the most popular spot to snog while pretending to be studying for an exam.

    You can borrow a book from the library before you buy it. You can then purchase a book from the bookstore if you enjoyed it and intend to keep it forever.

    It will become clear that not all books are worth keeping. The rest can be borrowed from the library. This will save you lots of money. This tip can be combined with digital books, which are often cheaper than traditional print to save even more.

    You can still read all the books and satisfy your curiosity with all kinds of blackhole here and far away.

    4. Keep your tyres properly inflated

    This is a great example of saving money by using something completely free, air. Low-intensity tyres can increase drag and decrease fuel economy. The U.S. Environmental Protection Agency states that loses 1% in fuel economy for every 2 PSI decrease in tire pressure. According to a U.S. Department of Energy report, at $3 per gallon gasoline you are spending $432 each year on gas you don’t use.

    Because everything is more expensive in Singapore petrol can be purchased for around $2 per litre or $7.4 per gallon. This roughly means that you will spend $1,065 more each year on petrol if your tyres have been under-inflated.

    Barack Obama was also a part of the 2008 act when he asked Americans to cut down on their dependence on foreign oil and keep their tires properly inflated. He won his 2008 presidential campaign, and he is the President of the USA twice, so he must be correct. Donald, please don’t mess this office up. Okay, I have.

    You can help to reduce oil consumption and slow down global warming by keeping your tyres properly inflated. This will also save the fates of future Maldivian honeymooners. Imagine all the innocent dinosaurs listening in to the audio CDs of your oil addiction 65 million years ago. It’s high time that you got an air pump.

    You can also save money by not inflating your tyres as they put more pressure on them and wear faster.

    5. Unplug electrical appliances not in use

    Your house is home to a vampire. Unfortunately, his name does not include Robert Pattinson. An electrical appliance that is simply plugged in suckers energy, even if it’s not being used.

    It is also known as vampire energy, standby electricity, orphantom load. It accounts for 10% to 10% of your home’s energy bills. This is a lot of waste for something that isn’t being used. The power lost over the course a year can add up to quite a lot if your monthly electricity bill is more than a few hundred dollars.

    It’s going be annoying to have to unplug appliances you use daily (like your computer), but there’s an easy solution: unplug electrical appliances you don’t use often, like the vibrating Justin Beiber singing toothbrush. You should only charge it once a week. Unless…

    6. Buy cheap clothes that look really expensive

    Let me tell you, expensive clothes don’t make you look great.
    My wardrobe is largely unbranded. I have no branded shirts or tees, but I do have about $50 worth of shirts and jeans. I look amazing (ask mum). It’s important to match the right pieces together in order to look fashionable like Beckham, Gosling or me.

    To achieve the same look, you can simply copy celebrities’ outfits and shop at high-end brands such as Zara and H&M. You can even find websites that will show you how to replicate the look of a celebrity for a fraction of the price – for men as well for ladies.

    You don’t have to spend thousands on designer clothes when you can get the same look for as little as two hundred dollars. You can have five different looks for the same amount of money and your coworkers won’t be able to believe you don’t go home every week for a change.

    More tips on how to save money?

    Let me tell you, expensive clothes don’t make you look great.
    My wardrobe is largely unbranded. I have no branded shirts or tees, but I do have about $50 worth of shirts and jeans. I look amazing (ask mum). It’s important to match the right pieces together in order to look fashionable like Beckham, Gosling or me.

    To achieve the same look, you can simply copy celebrities’ outfits and shop at high-end brands such as Zara and H&M. You can even find websites that will show you how to replicate the look of a celebrity for a fraction of the price – for men as well for ladies.

    You don’t have to spend thousands on designer clothes when you can get the same look for as little as two hundred dollars. You can have five different looks for the same amount of money and your coworkers won’t be able to believe you don’t go home every week for a change.

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