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Yowoto woman hands with piggy bank

  • Yowoto young girl with stack of newspapers
    BananaStock/BananaStock/Thinkstock
    1/ 10
    Entertainment: This is the biggest money-guzzler these days. Opt for e-subscriptions to newspapers, magazines etc. as they are usually cheaper. Instead of catching every flick (good, bad and ugly) in the cinema, wait awhile and most will usually turn up on the telly, sometimes in a few weeks of release. Check your cable TV—do you really watch all those channels?
  • Yowoto working woman using mobile phone while driving
    Wavebreakmedia Ltd/Wavebreak Media/Thinkstock
    2/ 10
    Fuel: Combine your chores so that you don’t have to make multiple trips. This will cut down fuel costs. Also, service your car regularly so that you don’t have an expensive breakdown to deal with in the future.
  • Yowoto woman cooking pasta with friends in kitchen
    Davide Mazzoran/iStock/Thinkstock
    3/ 10
    Food: Food expenditure account for 40% of an urban household’s budget according to the 2011-12 NSSO survey. Don’t succumb to the convenience of eating out too often; food cooked at home is cheaper and healthier. Make your own coffee instead of heading to the neighbourhood cafe every evening; it’s cheaper and you will be eating less sugar!
  • Yowoto woman drinking water from bottle
    Chris Clinton/Photodisc/Thinkstock
    4/ 10
    Water: Avoid buying bottled water, which is usually marked up quite ridiculously. Buy a reusable bottle and fill it up as you go. In restaurants, ask for regular water (after confirming that it’s filtered).
  • Yowoto parents buying groceries in supermarket with child
    Hemera/Thinkstock
    5/ 10
    Groceries: Buy dry groceries in bulk. Most supermarkets offer discounts on a designated weekday—shop then to get the best deals. Online grocery stores also offer discounts on most products. Look around and compare costs.
  • Yowoto man breaking a cigarrette in two
    iStockphoto/Thinkstock
    6/ 10
    Lifestyle changes: Smoking not only kills, but it also runs up a huge bill in the long run. Quit before it eats up your wallet (and your life).
  • Yowoto snacks cashew nuts walnuts peanuts almonds
    Comstock/Stockbyte/Thinkstock
    7/ 10
    Snacks: Keep a stash of healthy snacks at your desk—nuts, fruits, dates etc. are all great. Avoid expensive (and sugar-laden) energy bars.
  • Yowoto man sleeping on desk next to pile of mobile phones
    Creatas/Thinkstock
    8/ 10
    Energy: Buy energy star-rated appliances to ensure that your TV, refrigerator and oven do not eat up energy. Turn off your computer and unplug your TV when not in use. Keep your computer and phone in power saving mode.
  • Yowoto woman in bathrobe with coffee using laptop
    Wavebreak Media/Thinkstock
    9/ 10
    Online shopping: This has become really big nowadays and you may find yourself succumbing to the convenience of it. De-link your credit card from your Flipkart or Amazon account. The extra effort of entering the card details each time will curb at least few of the impulse purchases!
  • Yowoto woman using laptop with old woman grandmother
    iStockphoto/Thinkstock
    10/ 10
    Credit cards: Keep a tab on card due dates and pay on time to avoid getting slapped with late fees. ‘Minimum payment’ is a debt trap and card companies charge hefty interest rates on balances carried forward; pay off all your dues every month. Cut up and destroy cards that you aren’t using. One card for regular use and one for emergencies is all you need.


  • Yowoto young girl with stack of newspapers
    BananaStock/BananaStock/Thinkstock
    1/10
    Entertainment:: This is the biggest money-guzzler these days. Opt for e-subscriptions to newspapers, magazines etc. as they are usually cheaper. Instead of catching every flick (good, bad and ugly) in the cinema, wait awhile and most will usually turn up on the telly, sometimes in a few weeks of release. Check your cable TV—do you really watch all those channels?
  • Yowoto working woman using mobile phone while driving
    Wavebreakmedia Ltd/Wavebreak Media/Thinkstock
    2/10
    Fuel:: Combine your chores so that you don’t have to make multiple trips. This will cut down fuel costs. Also, service your car regularly so that you don’t have an expensive breakdown to deal with in the future.
  • Yowoto woman cooking pasta with friends in kitchen
    Davide Mazzoran/iStock/Thinkstock
    3/10
    Food:: Food expenditure account for 40% of an urban household’s budget according to the 2011-12 NSSO survey. Don’t succumb to the convenience of eating out too often; food cooked at home is cheaper and healthier. Make your own coffee instead of heading to the neighbourhood cafe every evening; it’s cheaper and you will be eating less sugar!
  • Yowoto woman drinking water from bottle
    Chris Clinton/Photodisc/Thinkstock
    4/10
    Water:: Avoid buying bottled water, which is usually marked up quite ridiculously. Buy a reusable bottle and fill it up as you go. In restaurants, ask for regular water (after confirming that it’s filtered).
  • Yowoto parents buying groceries in supermarket with child
    Hemera/Thinkstock
    5/10
    Groceries:: Buy dry groceries in bulk. Most supermarkets offer discounts on a designated weekday—shop then to get the best deals. Online grocery stores also offer discounts on most products. Look around and compare costs.
  • Yowoto man breaking a cigarrette in two
    iStockphoto/Thinkstock
    6/10
    Lifestyle changes:: Smoking not only kills, but it also runs up a huge bill in the long run. Quit before it eats up your wallet (and your life).
  • Yowoto snacks cashew nuts walnuts peanuts almonds
    Comstock/Stockbyte/Thinkstock
    7/10
    Snacks:: Keep a stash of healthy snacks at your desk—nuts, fruits, dates etc. are all great. Avoid expensive (and sugar-laden) energy bars.
  • Yowoto man sleeping on desk next to pile of mobile phones
    Creatas/Thinkstock
    8/10
    Energy:: Buy energy star-rated appliances to ensure that your TV, refrigerator and oven do not eat up energy. Turn off your computer and unplug your TV when not in use. Keep your computer and phone in power saving mode.
  • Yowoto woman in bathrobe with coffee using laptop
    Wavebreak Media/Thinkstock
    9/10
    Online shopping:: This has become really big nowadays and you may find yourself succumbing to the convenience of it. De-link your credit card from your Flipkart or Amazon account. The extra effort of entering the card details each time will curb at least few of the impulse purchases!
  • Yowoto woman using laptop with old woman grandmother
    iStockphoto/Thinkstock
    10/10
    Credit cards:: Keep a tab on card due dates and pay on time to avoid getting slapped with late fees. ‘Minimum payment’ is a debt trap and card companies charge hefty interest rates on balances carried forward; pay off all your dues every month. Cut up and destroy cards that you aren’t using. One card for regular use and one for emergencies is all you need.
RomoloTavani/iStock/Thinkstock

10 Simple Ways To Save Money In Your Daily Life

2014-04-16 19:13:00 +0530

The old adage is true: a penny saved IS a penny earned. Whether it's a vacation or junior's college fund that you need to save for, here are 10 life hacks that will help you save money on a day-to-day basis

Is there such a thing as too much saving? We don't think so! So here are 10 things that might not seem like major expenses individually, but together can help make your bank balance look a lot better at the end of the month. We're not saying that making these changes will buy you your dream house. But that knock-em dead dress or vacation you've been pining for? Definitely. 

Click here to view the slideshow




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RomoloTavani/iStock/Thinkstock

10 Simple Ways To Save Money In Your Daily Life

2014-04-16 19:13:00 +0530

The old adage is true: a penny saved IS a penny earned. Whether it's a vacation or junior's college fund that you need to save for, here are 10 life hacks that will help you save money on a day-to-day basis

Is there such a thing as too much saving? We don't think so! So here are 10 things that might not seem like major expenses individually, but together can help make your bank balance look a lot better at the end of the month. We're not saying that making these changes will buy you your dream house. But that knock-em dead dress or vacation you've been pining for? Definitely. 

Click here to view the slideshow.


Only registered members may add Reminder. Please register or login.
Only registered members may Bookmark. Please register or login.
Only registered members may Comment. Please register or login.
Only registered members may follow posts and authors. Please register or login.
RomoloTavani/iStock/Thinkstock

10 Simple Ways To Save Money In Your Daily Life

2014-04-16 19:13:00 +0530

The old adage is true: a penny saved IS a penny earned. Whether it's a vacation or junior's college fund that you need to save for, here are 10 life hacks that will help you save money on a day-to-day basis

Is there such a thing as too much saving? We don't think so! So here are 10 things that might not seem like major expenses individually, but together can help make your bank balance look a lot better at the end of the month. We're not saying that making these changes will buy you your dream house. But that knock-em dead dress or vacation you've been pining for? Definitely. 

Click here to view the slideshow.