Leisure does not have to be expensive: what are your potential savings?



Previous PartNext part



We are moved by the idea to make the world of work more human - without constant pressure for efficiency, stress and fear. As Publisher Best of HR - Berufebilder.de® with podcast, eLearning-on-demand offers and news service we share 15 years of experience with our customers (Samsung, Otto, state institutions). By the Top20 female blogger and consultant Simone Janson, referenced in ARD, ZEIT, Wikipedia .
Copyright: Artwork created by Simone Janson | Best of HR Berufebilder.de®

The more precise the expenditure is, the easier is the savings potential afterwards. And this is how it is done:Leisure does not have to be expensive: what are your potential savings? Leisure does not have to be expensive: what are your potential savings?

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - Podcast, PDF download, eCourse or personal advice

Here writes for you: Simone Janson is a publisher, German Top20 blogger and HR communication consultant. Profile

How to save ideal?

Overview

It is Z. For example, it makes sense to list pubs and restaurant visits in separate posts - usually you go to the pub more often and then spend smaller amounts, while you go to the restaurant less often, but then spend more per visit. Later, the Excel spreadsheet shows us exactly how much money you need to save on each item to reach the set savings target.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Speaking of restaurant ...

Overview

  • As an alternative to restaurants I have discovered a small but well-maintained snack: The food is good - and the biggest benefit: The small restaurant is a real communicative meeting place.
  • On the other hand, I like happy-hour-hopping in the pubs: I read the Happy-Hours of different places on the Internet site of my city magazine, or write down directly when Happy-Hour is at bars I like. And after that, I set myself up when I want to save money, but still want to leave.
  • Or I organize a fun picnic in the summer with friends instead of a beer garden. Everyone brings something to drink and nibble with. For many, this is a bit of getting used to, but: It always depends on how such ideas are sold.
  • On the other hand, in many cases, it is equally useful to group certain items, such as those for telecommunications. Nowadays a considerable savings potential can be achieved by flatrates.

How to evaluate the table

Overview

In the end, the Excel table counts automatically how much I spent, and calculates how much I have to save on a monthly basis so as not to exceed the amount that is available to me monthly. So I can determine my Sparziel exactly and knows how much I have to save on a monthly basis.

For example, I have already entered some items in the template, such as the gasoline costs, the gym or excursions. Of course you can change the individual items at any time, expand the table with new fields or rename existing fields and adapt the table to your needs. In addition, I have left room for my own position in the Additional costs fields. To help you understand what you should type in the fields, each item has been supplemented with explanations that you can retrieve by clicking the small square in the box. If you need more fields, you can also copy the existing fields - but remember to copy the formula as well! For me, clothes and shoes are also part of the flexible costs. These are basic needs, on the other hand, clothes are not just clothes, and you can save on those as well.

Excel templates:

Overview

Here you will find two excel files for download.

Leisure costs Tablle 1 and Leisure expenses Table 2

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

Leisure does not have to be expensive: what are your potential savings? Leisure does not have to be expensive: what are your potential savings?

Leisure does not have to be expensive: what are your potential savings? Leisure does not have to be expensive: what are your potential savings?

Speaking of: bonus programs and loyalty cards

Overview

Especially shoe and clothing stores are now advertising with bonus programs and loyalty cards. That sounds cheap, but often caution is advised: Participation is usually only worthwhile, if you really often shop there. On closer inspection, another store is often even cheaper than the promised discount. In addition, such loyalty cards collect and disclose personal information - be sure to specify what information is required. And check the terms and conditions: What happens if the card is lost? What happens if you use the card as a form of payment but are in arrears?

Incidentally, such an overview of the private costs can also be created for the whole year, for which you simply have to copy the monthly sheet several times. This makes sense, because it makes the overview more objective. Larger but rare expenses, such as holidays, should be divided by the number of months. Then keep a better overall picture.

... Speaking of vacation

Overview

  • For example, I make a kind of wellness and recreation holiday, which is partly accepted by the fund, once a year through my health insurance.
  • And after getting upset that there are no low-cost airlines in some European countries, I sometimes travel by bus: Company how Eurolines serve all of Europe.
  • An extra tip: If you do not want to travel alone for reasons of cost, you should enter Google once the term "travel partner" - here you will find a wide, constantly changing range of options to riders and fellow travelers.
  • A cheap flight and also a free travel guide for download offers German Wings.
  • If you want to figure out not just your leisure time, but generally what you spend all your money on, so where does your money stay, then you can use one of the many household books, a household calendar, or budget planner. Patterns are offered by authorities, ministries and credit institutions.

Tip: Text as PDF or podcast (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - Podcast, PDF download, eCourse or personal advice

Overview


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now


Listen to Podcast & Download MP3: You can listen to this text for free, as member even without annoying popup, or download the MP3 for a fee - Read usage rights, After the purchase page refresh, then you will find the download link here. Because we do not automatically submit the title of this podcast for privacy reasons: When buying in "interests" the title register if support is needed.

3,35 Book now


Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now


Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now


occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our Privacy Policy.

  1. To follow debate on this post
  2. All debates follow
  3. Debates per eMail subscribe (add link here!)
  1. Catharina

    These are really great tips to save money!

  2. Nydia Coppin

    Really a fabulous contribution!

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.