Our Financial Hacks by Anna Podnozova https://padlet.com/drpodnozova/vqp0qseurz7xfatn The hacks we use to do our household financial management en-us 2020-04-10 01:13:01 UTC 2025-12-17 13:25:51 UTC hello@padlet.com Tips for saving money https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461092088 - Use a save box for your coins
-  Never buy unnecessary things
- When you receive your paycheck put 15% or 20%  in your save bank
- Try to buy things at a second hand store(goodwill) or Facebook market place, buy online. 
- If you buy more quantities (in bulk) you can save more money (like Costco)
- Use coupons for save money (food/supermarket)
- Use ATM card
 ]]> 2021-04-26 18:32:02 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461092088 avoid going to restaurants https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461093778 avoid buying too many clothes
Turn off electric devices
Don't drink expensive alcohol => switch to local
Don't travel and stay at home:)  
Shop at sales 
shop at night some places offers food for less price
collect coupons
Buy only what you need
use a membership card
- save at least 10% or 20% from your salary for emergency fund
- keep your health in good condition in that you  can save hospital bills



]]> 2021-04-26 18:32:22 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461093778 Different accounts https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461097061 Use different bank account: Depending on the purpose, I put my money in different bank accounts. Grocery and Restaurant//Gas//Internet shopping//utilities anything else. I can easily check my money use.]]> 2021-04-26 18:33:03 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461097061 Tips :) https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461098344 1) Check credit card statements.
2) Monitor investment status.
3)Sometimes cut unnecessary costs, like traveling too much.]]> 2021-04-26 18:33:20 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461098344 Debit card https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461100615 Have a debit card to send money and pay the bills. Also it is good to have the money on track.]]> 2021-04-26 18:33:47 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461100615 Don't use credit card. https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461107151 It's expensive. You can't have the control of the money. You have to pay fees. ]]> 2021-04-26 18:35:05 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461107151 Tips https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461108871 1) Saving accounts and checking accounts.]]> 2021-04-26 18:35:26 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461108871 https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461109286 Avoid using a credit card. 
Open a saving account to save money.
Open checking account to daily expenses.
If it is possible open retirement or investment fund.
Use cash instead of credit cards. (but some credit cards can give you cash back).
Eat at home instead of restaurants.      ]]> 2021-04-26 18:35:31 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461109286 Make the budget on excel https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461115556 It's a good tool to manage the budget, make the adjustments that you need and use this like a check list to pay the bills. ]]> 2021-04-26 18:36:45 UTC https://padlet.com/drpodnozova/vqp0qseurz7xfatn/wish/1461115556