40 Ant expenses that impoverish you without giving you
Have you ever heard about ant expenses? These unnecessary, small expenses that go unnoticed, but that deeply affect your personal finances.
And while your personal finances depend on your income, it is certain occasional unnecessary expenses that are impoverishing you without realizing it.
Because? This is because when we talk about personal finances, we tend to focus on how much we earn, and not on what we spend.
Ant expenses that are making you poor:
As I explain in the Rica Cabeza ebook, your current situation is not due to how little you earn, but to how poorly you invest, or use, what you have.
In fact, there are certain unnecessary ant expenses that impoverish you, which once eliminated or modified, will change your personal finances forever (if you ignore them they will continue to impoverish you, and the worst thing is that you don’t even realize it).
However, before showing you the unnecessary expenses, I want to make it clear that I am not asking you not to buy life insurance, or not to enjoy what you have worked for.
Rather, take this article as an invitation to review your personal finances, as an opportunity to control those ant expenses that are preventing you from achieving your financial freedom.
Having made this clear, let’s review these unnecessary expenses that drain the money you earn, without realizing it.
How many television channels do you watch frequently 3, 5… maximum 10? So why do you need 120 channels, movie packages, and how much plus benefit do they offer you?
Cut back on your cable televisión plan.
If you are an inveterate consumer of movies for entrepreneurs and series, consider Netflix, a much cheaper alternative.
Are you one of those who pays for channels in HD without at least having a television with these conditions? Or even worse, don’t know how your cable plan is equipo up?
If you really want to learn how to manage your money, review this invoice and see if you are consuming this service to the maximum, and if not, eliminate or adjust this type of ant expenses.
Did you know that every time you withdraw money at bank ATMs they are charging you a commission?
Did you know that each bank withdrawal you make by check has an additional cost? Or did you know that on some occasions, by paying with your credit card, you save some consumption taxes?
To avoid this type of unnecessary spending, look for banks that charge cheaper bank fees, that hold contests for people who use their cards, or that even do not charge you fees.
To begin, investigate how much they charge you at your branch and analyze what options you have with other banks, in this way you will avoid unnecessary expenses and have capital available to use in other things of value.
These types of guarantees are those that are offered to you when you buy products, usually technology ones, and that additionally protect you.
While it’s important to take care of your purchases, there are some extended warranties that aren’t just a waste of money.
Aside from being expensive, their terms and conditions (which you’ve probably never read) have countless clauses that leave you unprotected.
So the best solution is to be careful with your belongings and stick with the warranty that comes by default with the product.
It may interest you: 29 Finance Books You Need to Increase Your Income
We are not saying that you stop paying rent or that you live on the street.
The only question is whether that luxurious apartment in the most exclusive and expensive campo of your city is worth it.
If you move to a smaller apartment in a different location, not only will you stop spending money on expensive rent, but you will stop thinking about how to fill those empty spaces that require money.
Finally, if you are paying very high rental fees, consider the possibility of acquiring a mortgage loan and buying your first home.
It is preferable to pay installments that will have a return, and not a rent.
Telephony and internet data
How many internet minutes, messages and data do you have each month on your cell phone plan? Do you consume them all? Do you know at least how many you have? Probably not.
Why not look for one that is more in line with your consumption habits, look for another company that provides you with the same service for a lower price, or cut services that you don’t use?
Now, if you are one of those who do not have a plan but recharge your line every time the resources run out, I invite you to do the math and see that a monthly payment is much more profitable and not something sporadic.
See: How to be a millionaire in 25 steps regardless of your current situation
6. En línea shopping
En línea stores are one of the biggest enemies of your personal finances, and most of the purchases you make there are unnecessary ant expenses and are rapidly impoverishing you.
It’s not just the shoes, clothes and accessories, it’s also the services premium that you buy and never use.
In addition, these purchases come with additional costs, such as shipping and taxes that we almost never take into account and that increase the value of the invoice.
Solution: The next time you go to buy something en línea, ask yourself if you need it, once you answer, wait a day to make the purchase.
In this way you avoid compulsive purchases that you do not need.
Additionally, you cánido start developing one of these ideas to earn money en línea.
Fast food, restoranes and office lunches are enjoyed more, the fewer times they are repeated.
If every 8 days you are eating hamburgers, pizzas and Chinese food on the street, you are not only destroying your finances, you are destroying your physical health.
There is nothing wrong with eating out on the street from time to time, going out to eat with your friends or having a special dinner with your partner, but if this becomes part of your routine it will not only become unfunny but will It will affect your finances.
The same happens for homes, if you are thinking of ordering food at home.
The invitation is that you develop healthy habits that contribute to your quality of life.
There is nothing wrong with life insurance, moreover, they serve to protect the future of your relatives.
The problem is with the type of life insurance you are paying for.
Regardless of which one you choose, remember that its value will depend on your age, the risks you take, and other factors such as your health and family.
The suggestion is that you look for alternatives, for example like your credit card, which offers insurance for being a card-holderor pension funds that insure you for having an account with them.
If you have never done an analysis, you are probably paying for an expensive plan, or a plan that protects you from risks that you do not run or that offers services that you do not use.
Do your research homework first to make an informed decision.
Love, friendship and affection are not shown by the price of your gifts, it’s that fácil.
A gift of thousands of dollars will not espectáculo how much you love a person.
If you want to impress others with your “breadth,” you are invited to further impoverish yourself with expensive gifts.
Also, the love of your life is not going to love you depending on the number of zeros your gift is worth; and if he does so, it is time to reconsider if you are the love of his life.
Alternative: Don’t fall into the trap of turning your relationships into a fácil exchange of expensive gifts.
Consider it better to give experiences, these are worth less, and are appreciated over time, while things lose their value.
The fact that you play the lottery not only implies that you have unnecessary ant expenses that are impoverishing you, but also espectáculos that you are not in control of your finances.
Because? Why do you hope, miraculously, to be rich.
You are not doing anything about it to achieve this beyond buying a ticket and hoping your luck and a few numbers do the job.
Are you what you think the only way to get rich is buying the lottery, and if you don’t buy it, you will never be able to do it?
How sad perro be the fact that your wealth depends on a lottery, and not on your actions and decisions.
In short, buying the lottery is not only taking your money, draw by draw, but also reflects your lack of a millionaire mentality.
I invite you to review our ebook Rica Cabeza, where we teach you how to develop the right mentality to improve your personal finances.
Remember that the amount of money you have in your bank account is nothing more than the result of the thoughts you have in your mind.
Coffees, lattes and cappuccinos
How much money have you spent on $3 coffees? Without a doubt, this is one of the most common ant expenses today, and in my especial case, it is a point that I must review.
Having a good coffee in a pleasant space is worth it, but your enjoyment is inversely correlated with your consumption habit.
That is, the more times you do it, the less you enjoy it.
Do the following accounts:
- With two coffees that you stop buying on the street, you will save enough money to buy a bag of coffee and prepare it at home.
- The coffee you consume during a month on the street is equivalent to an inexpensive coffee maker to prepare it at home.
- And finally, the money you spend on coffee in the street for two months is equivalent to a specialized coffee maker that prepares the same latte and cappuccino that you are buying.
Remember that there is nothing wrong with enjoying these pleasures of life, I love the lattebut when you do it every day, it stops being a pleasure and becomes ant expenses that impoverish you little by little.
These include magazine subscriptions, surprise gifts, gym memberships, among others that you never use.
- You are subscribed to 2 or 3 magazines that you barely browse and that you have access to their articles on popular networks.
- You pay a monthly fee at the gym which you visit less than 15 times a month.
- You are subscribed to things that you do not use, that are automatically charged to your credit card, that you pay for and you don’t even notice.
You work to pay for things you don’t use, or if you do, it’s partially.
If you want to pay for a gym, earn that right with perseverance.
Pay a week and if you go every day, pay a month, if you go most days pay the next.
On the subject of magazines, stop wasting your money if you’re not going to read them.
Just don’t renew the subscription and access this content on their websites or popular networks.
You could invest this money in a more intelligent way in other things that will be of greater benefit to you.
The other 28 unnecessary ant expenses
After publishing this article, we realized that many other unnecessary ant expenses that affect our personal finances were missing.
This is why we decided to supplement with other unnecessary expenses that the Emprendiendo Historias community itself supplemented in the comments.
13. Have a televisión in every room.
Having the lights on all day in places we don’t need them in our house definitely represent ant expenses in your utility bills.
Every weekend you visit shopping malls and end up buying unnecessary things you don’t need out of boredom.
Take a taxi when you cánido take the colectivo, bike or walk.
You perro also share it with colleagues from work, or from the university, so that the cost of fuel is reduced.
Having a bad health habit like cigarettes.
Buying stuff you don’t need in catalog magazines just to help out whoever’s selling it.
Buying elementos just because they’re on sale.
You’re not saving 20%, you’re spending 80% on things you don’t need.
Alcohol consumption is not only bad for your health, it is horrible for your finances.
The constant outings with friends to places like discos and clubs where you spend money on expensive alcohol to be in a recognized place.
Sending your pets to fancy kennels, where they give them “special care.”
Just breaking traffic laws takes hundreds of dollars out of your pocket each year, so driving with caution would be a smart move.
Buy lunches at work instead of bringing food from home.
The juice or soda you buy instead of buying it in packets and taking it to work each day.
Buy new cars.
Although these are not ant expenses due to their cost, they devalue too much.
A car loses 25% of its value in its first year.
In 3 years they lose 46%, which represents almost half of their value.
Instead, buy a gently used 3-year-old car for half of what it would cost new.
Dave Ramsey, renowned financial advisor, espectáculos how buying new cars is one of the biggest reasons why a person does not become rich.
Not knowing how to make a monthly budget.
Almost no one does, and at the end of the month, they don’t know where the money went.
You have to keep control of ant expenses.
If you do that, you will easily realize your financial gaps.
End consumption on credit.
The problem is not only interest, but having things that surely when you stop using you will have to continue paying months later.
An alternative is to have money for emergencies.
With 1,000 dollars (in the United States) it will be enough to get you out of most of the emergencies that perro arise, and thus you avoid using credit cards.
Basically any kind of impulse purchase you make without planning.
Buy brand name products (especially food).
Instead, you should opt for lesser-known but cheaper brands of afín quality.
Buy electronic dispositivos or devices that are not going to be used frequently.
Do not worry about looking for new ways to save water (such as recycling washing machine water for later emplees such as bathrooms), or any other type of input you use at home.
Frequently go to fancy, expensive and sophisticated restoranes or public eating places.
Buy high-end phones on installments.
When you finish paying for them, they are no longer worth 20% of their commercial value, and better equipment with greater benefits and at a very low price have already come onto the market.
Take the car under the brand’s guarantee, you perro go to authorized workshops and make the maintenance much cheaper.
Change your computer, telephone or any electronic device because you are craving, when your equipment is still working in perfect condition.
Buying books that you are not going to read, that you keep in your library and make you feel bad because you do not keep your promises.
37. “Take advantage” of discounts on the internet, promotions, “cyberpromotions” or any invention that takes money out of your pocket.
Paying for repairs or fácil fixes to others, when you perro learn how to do it yourself.
Not only will you save on these types of ant expenses, but you will learn new skills.
Put gas in your transport vehicle at gas stations that charge you more money per gallon.
Investigate which gas stations offer a better price and you will save some money there.
Not buying plane tiques on time, for which you will have to hold yourself to expensive and maleable rates.
Look for platforms that notify you when prices drop, that compare several airlines for you and allow you to make a better purchase decision when traveling.
Develop an abundance mentality and review your ant expenses:
In short, making the decision to abandon these unnecessary ant expenses that are impoverishing you without realizing it, will improve your personal finances considerably.
There are many other unnecessary expenses that impoverish you without realizing it, which one would you add to this list? How are you wasting your hard-earned money?
Continue reading: Earn money fast: 18 Ways to get money today
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