Starting the year on the right foot is important since this is how the rest of the year is assumed with more energy and positivity. One of the weakest points of the month of January is assuming the amount of money that has been overspent during the Christmas holidays. What is usually called "The slope of January" and that each year affects a large number of families. If you want to prevent this from happening to you year after year, it is essential to start saving from January.
In addition, you will teach your children the value of money and the importance of consuming responsibly. Great lessons that will be of great help to you in your future as adults. So, do not miss these tips to learn to save as a family, they will surely be of great help.
How to save as a family
The key is to involve all members of the family, each with age appropriate responsibilities. Even the youngest children, who must learn the value of money from infancy. On the other hand, the advantage of family savings is that you fight together for a common good, which helps to strengthen family ties. Take note of these tricks to start saving as a family in January.
A family piggy bank
It is important to have a place to keep all the savings, especially for the little ones. Children they need to see where those coins accumulate who want to save, until they acquire the concept of saving as such. Visualizing the piggy bank where their savings are, will help them to become aware that it does not disappear, but accumulates in that container until one day it is used for something they want.
Plan to save as a family
It is essential to have a family savings plan, have a common goal so that the objective is met. Otherwise, it will be very difficult to find the necessary motivation for the savings to be constant and lasting. Think of something you would like to do as a family, like a trip to a special place for children, for example. To motivate children more, you can print a picture of the place you decide to go and put it on the wall at home.
Thus, each time the weakness and the desire to leave savings arrive, you will be able to see that image and visualize you in that wonderful place all together.
Reduce expenses
In order to save, it is necessary to reduce expenses. Otherwise, it will be impossible to allocate a part of the family economy for savings, unless your salary is significantly increased. The whole family will have to collaborate in this regard, each one within their means. For example:
- Energy saving: It is very cold and it is necessary to put the heating on to heat the house, but excessive use of the heating is very expensive and also, can seriously harm health. To avoid this, get used to wearing more clothes at home, a warm robe or tracksuit. You will also need to make sure that the doors and windows are well sealed, to prevent heat from escaping.
- Do not throw food: Food should not be thrown away for many reasons, including unnecessary financial expense. To avoid this, try to serve smaller amounts on the plate and if someone is left with an appetite, serve a little more. But it is important that what is put on the plate, it is finished and thus the least amount of food will be thrown away.
- Make a shopping list: To avoid buying things that are not needed (and thus waste less food), it is essential to make a shopping list before going to the supermarket. It is the most effective way to reduce daily family spending, it is also important to reduce the amount of whims that are acquired. Mainly because food should not be conceived as a prize, but as a vital necessity.
Put these tips into practice and you will soon see how the family piggy bank is growing. Your children will learn a valuable lesson, that help them grow as responsible adults.