Mittwoch, 24. August 2016

Saving up at work – This is how to make the most of your monthly budget

Do you find the title of this entry strange? Think about it before reading on. According to conventional wisdom, you earn money at work and don’t spend it. The reality of most jobs is that there are expenses during working hours as well. And they might amount to quite a large sum if we don’t keep them under control. Here are just a few ideas to cut down on unnecessary costs.



We are sure you are aware of the kind of expenses we are talking about. Working full-time means being away from home for most of the day. Expenses occur. Some of them can be prevented with a little bit of planning ahead.

1. Use public transportation. It is true that tickets are getting more and more expensive, but it’s still less expensive than taking your car to work every day. Driving through the city burns through a lot of fuel and not every company provides free parking spaces. As such, be aware that it might be more cost efficient to leave the care in the garage. If you really can’t get used to public transport, you could still car pool with your colleagues to keep costs at bay. Not only your wallet, but also the environment will thank you.

2. Take a book with you. Those who already use public transport know this issue – waiting time, not only because of traffic disruptions or lateness. The commute as such can be quite long as well. To tide you over, a magazine or newspaper is often impulsively bought from one of the many kiosks in the stations. Most of the time, these go straight into the paper bin once we reach home, regardless whether we have actually read them or not. We suggest a different approach. How about taking a book with you or, better yet, your e-reader? You’ll always have something to read on the go.

3. Brew your own coffee. Are you one of those who drink several cups of coffee per day? Then you’ll probably also prone to buy the one or other round of coffee to go. And we don’t have to tell you what that does to your overall budget… Luckily, most caffeine aficionados have their own coffee machines at home and also access to the company’s break rooms, where they can find coffee and tea and periodically recharge their inner batteries. All you need is a thermos cup, which doesn’t cost all that much, but has the advantage that it can be refilled anytime, without giving away a small fortune to the various coffee shop companies.

4. Pack lunch. When you get hungry around lunchtime, there’s more than one possibility – going to a restaurant, take out, the supermarket around the corner or your company cafeteria. All of them are valid options, but at a cost. There’s obviously nothing wrong with having lunch with your colleagues, but you should consider a pre-packed lunch at least on some days of the week. You think you don’t have the time to prepare a lunch for the next day? Try making a little bit more of whatever you are having for dinner and pack the leftovers up. If it’s one of your favourite dishes, you will enjoy it next day at lunch, too. And it’s a lot healthier that fast food!

5. Drink tap water. You can get it everywhere and you can trust that it’s of good quality. It’s not only cheaper, but a much healthier option compared to sugary soft drinks.

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