Savings!!!!! Idi chala mandiki kastamaina oka pani. Jeetam vachina beginning lo paisal full egaresi….month end lo appula paalu ayyevalu chala mandi ye untaru. Ade koncham koncham ga savings cheste ee prob anedi undadu ga. “A penny saved is a penny earned” antaru. Podupu ante edo pedda pedda amounts lo cheyalani rule ledu. Manam roju chese karchulu ye koncham chusi jagrataga cheste chalu. Automatic ga entho kontha save avtundi. So ivala ee World’s Savings Day sandarbam lo konni chinna chinna money saving tips….
Prepare a budget plan
Ha naku vache inthoti salary ki budget plan haaaaa ani ankokandi. Idi chala important. Prati month mi basic karchulu em untayo oka list veyandi. Dintho mi karchulu anni ponu miku entha migultundo oka clarity vastundi.
Have two bank accounts
Mana andarki unde oka main problem….okate bank account maintain cheyadam. Avasaram unna prati sari dintlonchi dabbulu use chesestuntam. So at the end account khaali aipotundi. Idi avoid cheyadanki two bank accounts maintain cheyandi. Okati salary account….inkoti for savings. Savings account ki asalu ATM card,online banking lantivi em petkokandi. Aa account jus savings ki matrame. Paina budget plan prakaramga miku entha migultundo oka calculation veyandi. Like for example miku oka 25k salary vaste….anni ponu oka 5k migultadi ankondi….so as 5k ni savings ki transfer cheseyandi. Avi alaga padi untai aa account lo.
Prepaid mobile plans
Kontha mandi postpaid valaki ee advice. Postpaid services ki manam teliyakundane ekuva pay chesestuntam. Dani badalu prepaid plans chala economical ga untai. Suppose oka prepaid plan lo unlimited calls,SMS,Daily 1.5GB data ki miru 3 months ki oka 450 daka pay cheste….ade postpaid lo monthly oka 1000 daka ayina padtundi. Chudandi ikade entha save avtundo.
Shopping with a list
Manam chese pedda mistake enti ante…. supermarket ki shopping ki velinapudu akada anavasaramaina vastuvulaki tempt ayyi…konestuntam. So epudaina super market ki vellepudu miku em em vastuvulu kavalo oka list raskondi. Trust me….once aa list lo unna vastuvula shopping aipoyaka….miru vere vere avasaram leni vastuvulu kondanki tempt avvaru.
Don’t get tempted for offers
Ee madya chala stores dagara chustunam manam…..buy 1 trouser @1000 and buy 2 get 1 free ani. So ipudu manaki okate trouser avasaram ankondi. Manam ee offer chusi ela alochistam….aray 2000 ki 3 pants vastunai kada….koni padesdam paduntai ani. But in fact manaki avasaram unnadi oka pant ye…edo offer gola lo padipoyi…avasaram leni two pants ki extra 1000 karchu chestunam. So ilanti vatiki nijamga antha avasaram unte tappa uttigane karchu cheyalsina avasaram ledu.
Cashback offering apps
Ee madya chala varaku e-wallets enno cashback offers istuntai. Like for electricity bill,water bill, recharges,petrol etc etc. Ilaga ee cashback offers ni wise ga use cheskondi. Entha kakapoina….entho kontha save avtundi veeti valla. For example little app ani oka app untundi. Parlour and salon services mida crazy discounts untai dantlo. So ilaga konni apps use chestu koncham koncham save cheyochu.
Plan your weekends properly
Weekend ragane oka cinema….oka lunch….ekado oka dagara hangout….itla plan cheskunte….entha kaadu anna gang motham ki kalipi oka 5000 daka swaahaaa aipotai. Ee madya cinema release ayina konni days ke edo oka app lo vachestunai. So mana friends gang lo evaro okari intlo movie and maname potlock laga food adi plan cheskunte….time baga spend chesinattu untundi….money kuda takuva karchu avtundi. Prati weekend ila undalani ledu….manam plan chese enno weekends lo edo oka weekend ila kuda undochu antuna.
Go for unbranded products where necessary
Manaki pratidi branded ye undali ani rule em undi. Konni casual ga veskunevi…..normal ga intlo unapudu eskunevi…kondaru ilantivi kuda full branded kontu untaru. Em avasaram. Konni unbranded products kuda bagane untai abba. Try chesi chudandi
Shop during sales season
Okavela miru full on grand dresses konali ankondi…..ee ashadam sales dussera diwali sales lantivi best seasons. Manchi manchi products kuda reasonable rates ke dorikestuntai. Pedda pedda shopping stores kanivvandi else flipkart Amazon lanti shopping sites kanivvandi….year lo 2 3 times ilanti sales pedtuntaru. Apudu use cheskondi avakasham ni
Visit vegetable markets
Manaki supermarkets lo kuda kuragayalu ammutuntaru. But chala sarlu avi bayata kante costly ga untai. Ee madya chala areas lo weekly basis lo santha pedtunaru. Miku kuragayalu kavalsi vaste akadiki vellandi. 200 to 300 rupees madyalo miku oka week ki saripoye kuragayalu anni vachestai.
Decide on your priorities
Miru monthly budget plan vesepudu….just decide aa month miku edi important oo. Konni sarlu manam avoid cheyaleni konni karchulu untai. Avi first peteskoni….koncham takuva priority unnavi tarwata plan cheskovadam better. Dini valla manaki okesari full burden kuda padadu
Record your expenses
Miru deni mida karchu chestunaro….pratidi record cheskondi. Month ending lo okasari aa karchulu anni analyse cheyandi. Ekadaina anavasaramga karchu pettesam anpiste next time repeat cheyakandi.
Okapudu mana parents zamana chuste….apadi paristitullo manakanna takuva salary ne vachedi valaki. Kani sarigga plan cheskunevaru kabatti….vala savings chala baga undedi. But ipudu manam matram leni poni pokadalaku poyi…planning nil karchulu full. Anduke month end ragane pocket khaali avtundi. Ante ipudu ee tips anni follow ayyi peenasi ola laga batkamantara ani ankovachu miru. Oka chinna mata….avasaram lekunna kuda karchu cheste dubara cheyadam….avasaranni grahinchi daniki tagattuga karchu cheste podupu cheyadam…. avasaram unna kuda karchu cheyakapovadam peenasi tanam. Ivi edo maku tochina tips. Mi dagra kuda evaina money saving tips unte comments section lo share cheskondi.
