J’espère donc que ça vous aidera et vous plaira !
Being student, it’s not always easy. Just like many adults, we have to tighten their belts. The big difference between them and us? Money at the end of the month! Clearly, we do not have all the time to combine employment and studies. And even when we can it’s often to get 500€ a month. But even though studying, rent, food, etc. still have to be paid at the end of the month. In brief, not always easy.
Of course I know that I have a huge chance that my parents support me financially. I shall never thank them enough for it. Nevertheless, I try at the most to pay attention to what I spend. Simply, because I was raised with the notion that money does not fall from the sky and that sometimes to obtain what we want it’s necessary to go without and to pay attention to our spending.
I also want to say that I’m not at all a financial expert. This article concerns directly my personal experience. For years I was the type of person whom we could consider as spendthrift I finally found a way to save up which corresponds to me. Knowing that I am not the only one in this situation, I simply thought that it could be interesting for you. But, naturally, those are only advices, they can as cannot work for everybody. Principle is to know what corresponds to you and really fits you.
Savoir pourquoi on économise et ce que l’on va réellement gagner de tous ses efforts est nécessaire. Cela permet de garder notre motivation mais aussi de se sentir réellement récompenser une fois que l’on aura la chose pour laquelle on aura économisé.
Bref, cela nous permet d’avoir un aperçu de la réelle valeur que l’on dépense et de savoir qu’au final, c’est trop cher pour nous. Bah oui, avec les plafonds de la CB, on dépense parfois sans compter et ça concrètement quand on veut économiser ou quand on a un petit budget, c’est n’est pas une bonne idée.
Not to use our bank card can be a good way to save and to slow your spending down. Indeed, when we pay by credit card, we inevitably do not realize the value of what we spend. It’s totally different when we pay in cash. Believe in me, when you pay 50€ by card it doesn’t have the same effect as if you pay it in cash. Why? Because with cash, we see the note leaving our little hands and obviously realizing its value. Whereas by card we realize the real amont you spent by the end of the month. And it’s often there that we say to ourselves » S*** » I spent way too much this month.
Briefly, paying by card allows us to have an overview of the real value we’re spending and to know that in the end, it is too expensive for us. Yes because with the ceilings of the CB, we spend sometimes a lot and that obviously not a good idea when we want to save up or when we have a low budget.
There is the key. Know and watch what we spend to make our accounts and identify our spendings. In this way, we can have an idea of our monthly spending and thus anticipate for the upcoming months. But we can also know if this month, we have a little too much abused and if we should slow it down.
Not to verify our accounts might be tricky because we can think that we have money and in fact have nothing at all. And let’s be honest that sucks when you realize at the last moment that finally we have already spent everything this month. It’s the best way to be in a deep shit at the end of the month.
The app of your bank, that, it’s quite a revolution. It allows you to have, in real time, an overview of your spending and to classify them by categories. It’s a very pleasant tool for the end of the month when we make your accounts and to realize the amount spent in every category.
If your bank does not offer an app, you can download the app « Banking ». You can set all your bank accounts. Very practical when we possess several accounts in different banks.
Dans le cas où vous payer par espèces,il est préferable de garder vos tickets de caisse et de noter dans un carnet vos dépenses. Le même principe est le même qu’avoir une application sur votre téléphone sauf que dans ce cas, là, vous tenez les rênes.
In case you pay by cash, it’s better to keep your receipts and to write your expenses down in a notepad. Same principle as if you have an application on your telephone except that in this case, you’re the one who controls everything.
You can use your own color code to classify your spending and organize everything in the way you wish it.
Personally, I like sorting my spending out monthly, using a color for its title and another one for its amount. At the end of the month, I calculate and in a few minutes I know how much I spent.
J’entends par là se fixer un budget. Si vous voulez économiser, il faut que vous ayez une idée de ce que vous pouvez dépenser.
I mean there to settle a budget. If you want to save up, you must have an idea of what you can spend.
Do not also forget to have a margin. Contingent expenses might arrive and it’s better to have enough to pay them. It’s for that reason if you settle a 50€ budget, it’s maybe interesting to have a 10€ additional margin, you know just in case.
It can allow you to save some euros. Indeed, many museums, swimming pools, bookshops, etc. offer student reductions. Sometimes, it’s not specified so it’s better to ask.
Google : parce que parfois en cherchant « code promo … » on peut trouver des réductions sur différents sites, alors autant vérifier avant de commander !
Groupon: we can find very interesting good deals there. Just need to look for it. They offer reductions for restaurants, spas, or even car sumps. In brief, this website is worth being visited.
IGraal: get money back when you spend some, tempting, isn’t it? This site is a real pearl for it then. I know that many of you might already know it and use it certainly. For the others, the principle is that, if we buy something on one of their partner sites we get back a percentage of the amount spent as a cash-back on our account. Once we get up to 20 euros, we can ask for a transfer on our bank account.
Payback (for Germany): same principle as iGraal, except that this time, we get back points which we can exchange then by products. I use it in Germany and it works quite well. On the other hand, it does not exist in France so you might have to look for something similar in you own country or if brands offer customer cards with the same principle.
Google: because sometimes by looking « for promotional code » we can find reductions on various sites, then it’s better to check it out before ordering something, we never know!
Saving up it’s like being on a diet. Frustration can be felt and then motivation won’t be the same. This is why it’s also necessary to know how to treat ourself. We shouldn’t be too hard with ourself. Even if we have a low budget, we can have fun and do a lot of stuff by spending just a little bit. Save up doesn’t always mean to go without.
For example, if you want to go out with your friends, try to find a place not to expensive or check websites as Groupon to find a good deal which can grant you sometimes until 25% of reduction on the bill.
Save up is not always an easy thing. We can fast be tempted to spend our money. The most important part is to know what for. If we have a purpose, it’s 100 times easier and more satisfying when we manage to reach our goal.
I hope that those tips will help you. I really wish from the bottom of my heart that you will manage to succeed and to reach your goals, because when we’ve got dreams nothing should stop us. Just remember that the game is always worth it, even if it’s hard, there is no pain no gain!