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20 Things You Are Wasting Money On

Founder of Making Sense of Cents, a blog about personal finance and traveling. Read full profile

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There are most likely a good amount of items in your budget that you can probably cut out completely, or at least lower your spending on. There are some instances where you may not always be “wasting” your money, but in the cases below, you should try to evaluate your spending. A lot of these little things can add up quickly.

Here is a list of things that you may be wasting money on:

Bottled water

Bottled water can be expensive. If you want filtered water, buy a water filtering system and fill-up a re-usable bottle on your own. You are helping the environment this way as well, since you won’t be using so many plastic bottles.

Famous brand products

When was the last time that you bought something primarily because of the brand? Many people do this. Try to look for items that are similar, but without the brand name logo on it.


Yes, jewelry can be nice to have at times, but should you be spending your life savings on it? Probably not.

Shoes that you do not need

Shoes are important, but are a pair of $1,000 sneakers a “need?” Buy shoes that help you run, walk, hike, look good, etc., but a crazy expensive pair is most likely just a waste of money.

Second-rate entertainment

Second-rate entertainment can be a big money waster. Try to find things to do that are more frugal and fun. Go for a hike, a bike ride, and so on.


Do you find yourself driving to where you need to go, when you could easily walk or drive a bike? Think about this next time before you get in your car. Also, think about living closer to work so that you can save on transportation costs that way as well.

Movie theater food

Buying food at the movie theater can be very expensive. Boxes of candy may be around $4 or $5, drinks around $7, and popcorn somewhere between that. Save money and skip the food.

ATM fees

ATM fees can add up quickly. My bank charges an extra $2 or $3 onto whatever the ATM charges me. At times, that means that I have paid over $5 just to get money out. Instead, try to figure out a different way to not pay an ATM fee.

Lottery tickets

Yes, it is nice to think about what you would do if you won all of that money, but the chance of you winning is very slim. Save that money instead.

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I know of someone who complains about never having money, yet they go to Starbucks every single day and buy a latte. It makes no sense! Save your money and make your cup of coffee at home.

Prepared foods

When at the grocery store, there are always many food items that are already prepared for you. However, try to cook yourself or make things from scratch. You can save money this way.


Insurance is expensive, no matter what you are talking about. Car insurance, health insurance, home insurance, life insurance, etc. most likely eat up a lot of your budget. Shop around and find the best rates.

Buying books

Reading a book can be a great hobby that is cheap, but it could be cheaper. Borrow books from your library to completely cut out this expense.

Too large of a home

How much of your house do you actually use? If your house is too big, then you probably have extra rooms that are empty, or you might buy furniture just for the sake of filling those rooms. A bigger house costs more to maintain, and utility bills are most likely higher since you have more space to heat or cool down.


Sometimes a warranty may be a good deal, but most of the time they are not. They are usually pure money-makers for the company offering them. If you think the item will break, then you might want to rethink the purchase altogether.

Food that you don’t eat

If you are not careful with what you buy, then there is a large chance that you are wasting a lot of fun. The average family wastes around 25% of the food that they buy.


Smoking is not good for you. Try to find a way to break this unhealthy habit. You are saving your life and your money.


Many people think that they can do their income taxes on their own, however this isn’t always the best case. A good accountant can help you find areas where you might be able to lower your taxes.


Water can be expensive, and there are things that you can do to lower your water spending. Look into buying more efficient home products, such as a better toilet, faucet, shower head, dish washer and so on.

Cell phone

Cell phones are expensive. Evaluate your needs and see if there is a cheaper contract out there. There are many new companies popping up all over the place with plans under $30.

What are you wasting your money on?

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More by this author

Michelle S.

Founder of Making Sense of Cents, a blog about personal finance and traveling.

More by this author

Michelle S.

Founder of Making Sense of Cents, a blog about personal finance and traveling.

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Last Updated on March 25, 2020

How to Set Financial Goals and Actually Meet Them

Serial entrepreneur and working towards Early Retirement Read full profile

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Finances can push anyone to the point of extreme anxiety and worry. Easier said than done, planning finances is not an egg meant for everyone’s basket. And that’s why most of us are often living pay check to pay check. But did anyone tell you that it is actually not a tough task to meet your financial goals?

In this article, we will explore ways on how to set financial goals and then actually meet them with ease.

Table of Contents

5 Steps to Set Financial Goals

Though setting financial goals might seem to be a daunting task but if one has the will and clarity of thought, it is rather easy. Try using these steps:

1. Be Clear About the Objectives

Any goal (let alone financial) without a clear objective is nothing more than a pipe dream. And this couldn’t be more true for financial matters.

It is often said that savings is nothing but deferred consumption. Therefore if you are saving today, then you should be crystal clear about what it is for. It could be anything like kid’s education, retirement, marriage, that dream vacation, fancy car etc.

Once the objective is clear, put a monetary value to that objective and the time frame. The important point at this step of goal setting is to list all the objectives, however small they may be, that you foresee in the future and put a value to it.

2. Keep Them Realistic

It’s good to be an optimistic person but being a pollyanna is not desirable. Similarly, while it might be a good thing to keep your financial goals a bit aggressive, going out of the line will definitely hurt your chances of achieving them.

It’s important that you keep your goals realistic in nature for it will help you stay the course and keep you motivated throughout the journey.

3. Account for Inflation

Ronald Reagan once said – “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hitman”. And this quote sums up the best what inflation could do your financial goals.

Therefore account for inflation whenever you are putting a monetary value to a financial objective that is far away in the future.

For example, if one of your financial goal is your son’s college education, which is 15 years hence, then inflation would increase the monetary burden by more than 50% if inflation is mere 3%. So always account for inflation.

4. Short Term vs Long Term

Just like every calorie is not the same, the approach towards achieving every financial goal will not be the same. It is important to bifurcate goals in short term and long term.

As a rule of thumb, any financial goal, which is due in next 3 years should be termed as short term goal. Any longer duration goals are to be classified as long term goals. This bifurcation of goals into short term vs long term will help in choosing the right investment instrument to achieve them.

More on this later when we talk about how to achieve financial goals.

5. To Each to His Own

The journey of setting financial goals is an individualistic affair i.e. your goals are your own goals and are determined by your want to achieve them. A lot of times we get on the bandwagon of goal setting only to realize later on that it was not meant for us.

It is important that your goals are actually your goals and not inspired by someone else. Take a hard look at this step at all the goals you’ve set for after this step, you will be on the way to achieve them.

By now, you would be ready with your financial goals, now it’s time to go all out and achieve them.

11 Ways to Achieve Your Financial Goals

Whenever we talk about chasing any financial goal, it is usually a 2 step process –

  • Ensuring healthy savings
  • Making smart investments

You will need to save enough; and invest those savings wisely so that they grow over a period of time to help you achieve goals. So let’s get down to ensuring healthy savings.

Ensuring Healthy Savings

Self realization is the best form of realisation and unless you decide what your current financial position is, you aren’t heading anywhere.

This is the focal point from where you start your journey of achieving financial goals.

1. Track Expenses

The first and the foremost thing to be done is to track your monthly expenses. Use any of the expense tracking mobile apps to record your expenses. Once you start doing it diligently, you would be surprised to see how small expenses add up to a sizeable amount.

Also categorize those expenses into different bucket so that you know which bucket is eating the most of your pay check. This record keeping will pave the way for cutting down on un-wanted expenses and pump up your savings rate.

2. Pay Yourself First

Generally, savings come after all the expenses have been taken care of. This is a classical mistake which almost everyone of us do. We pay ourselves last!

Ideally, this should be planned upside down. We should be paying ourselves first and then to the world i.e. we should be taking out the planned saving amount first and then manage all the expenses from the rest.

The best way to actually implement is to put the savings on automatic mode i.e. money flowing automatically into different financial instruments (for example – mutual funds, retirement corpus etc) every month.

Taking the automatic route will make us lose control of our money and hence will compel us to manage in what’s left with us thereby increasing the savings rate.

3. Make a Plan and Vow to Stick with It

Budgeting is the best to get around the uncertainty that financial plans always pose. Decide in advance how spending has to be made.

Nowadays, several money management apps and wallets can help you do this automatically. It’s easy and who knows, you may just end up doing what people fail to do.

At first, you may not be able to stick to your plans completely but don’t let that become a reason why you stop budgeting entirely.

Make use of technology solutions you like. Explore options and alternatives that let you make use of the available wallet options and choose the one that suits you the most. In time, you will get accustomed to making use of these solutions.

You will find that they make it simpler for you to follow your plan, which would have been difficult otherwise.

4. Rise Again Even If You Fall

Let’s be realistic. It’s not like the world will come to an end if you made one mistake. This isn’t called leniency but discipline.

If you fail to meet your budget for a month, don’t give up the entire effort just like that. Instead, start again.

Remember that flexible plans are the most realistic plans. So go forward and try to follow your financial goals as planned but if for some reason, the plan gets out of hand for you, do not give up on it just yet. This has a lot to do with your psychology rather than any material commitment.

All you have to do is to stay on the road and vow to stay on it, no matter how much you fall down.

5. Make Savings a Habit and Not a Goal

In the book Nudge, authors Richard Thaler and Cass Sunstein advocate that in order to achieve any goal, it should be broken down into habits since habits are more intuitive for people to adapt to.

Make Savings a habit rather than a goal. While it might seem to be counter intuitive to many but there are some deft ways of doing it. For example:

Always eat out (if at all) during weekdays rather than weekends. Usually weekends are expensive. Make it a habit and you would in turn be saving a great deal.

If you are travelling buff, try to travel during off season. Your outlay will be much less.

If you go out for shopping, always look out for coupons and see where can you get the best deal.

So the key point is to imbibe the action that results in savings rather than on the savings itself, which is the outcome. Focusing on the outcome will bring out the feeling of sacrifice which will be harder to sustain over a period of time.

6. Talk About It

Sticking to the saving schedule (to achieve financial goals) is not an easy journey. There will be many distractions from those who are not aligned with your mission. And it would be rather easy to lose the grip over your discipline.

Therefore in order to stay the course, it is advisable that you keep yourself surrounded with people who are also on the same bandwagon. Daily discussions with them will keep you motivated to move forward.

7. Maintain a Journal

For some people, writing helps a great deal in making sure that they achieve what they plan.

So if you are one of them, maintain a proper journal, where you write down your goals and also jot down the extent to which you managed to meet them. This will help you in reviewing how far you have come and which goals you have met.

Use this journal to write down all essential points such as your short term, mid term and long term goals, your current sources of income, your regular expenses which you are aware of and any committed expenses which are of recurring nature.

When you have a written commitment on paper, you are going to feel more energised to follow the plan and stick to it. Moreover, it is going to be a lot more easier for you to follow you and track your progress.

At this point, you should be ready with your financial goals and would be doing brilliantly with savings; now it’s time to talk about the big daddy – Investments.

Making Smart Investments

Savings by themselves don’t take anyone too far. However savings when invested wisely can do wonders and we are at that stage where we will talk about making smart investments.

8. Consult a Financial Advisor

Investments doesn’t come naturally to most of us therefore rather than dabbling with it ourselves, it is wise to consult a financial advisor.

Talk to him/her about your financial goals and savings and then seek advice for the best investment instruments to achieve your goals.

9. Choose Your Investment Instrument Wisely

Though your financial advisor will suggest the best investment instruments, it doesn’t hurt to know a bit about them.

Just like “no one is born a criminal”, no investment instrument is bad or good. It is the application of that instrument that makes all the difference.

Do you remember we talked about bifurcating financial goals in short term and long term?

It is here where that classification will help.

So as a general rule, for all your short term financial goals, choose an investment instrument that has debt nature for example fixed deposits, debt mutual funds etc. The reason for going for debt instruments is that chances of capital loss is less as compared to equity instruments.

10. Compounding Is the Eighth Wonder

Einstein once remarked about compounding,

Compound Interest is the eighth wonder of the world. He who understands it, earns it… He who doesn’t… Pays it.

So make friends with this wonder kid. And sooner you become friends with it, quicker you will reach closer to your financial goals.

Start investing early so that time is on your side to help you bear the fruits of compounding.

11. Measure, Measure, Measure

All of us do good when it comes to earning more per month but fail miserably when it comes to measuring the investments; taking stock of how our investments are doing.

If there is one single step where everything (so far) can go wrong, it is at this step – Measuring the Progress.

If we don’t measure the progress timely, then we would be shooting in the dark. We wouldn’t know if our saving rate is appropriate or not; whether financial advisor is doing a decent job; whether we are moving closer to our target or not.

Do measure everything. If you can’t measure it all yourself, ask your financial advisor to do it for you. But do it!

The Bottom Line

This completes the list of tips for you to set financial goals and actually achieve them with not so great difficulty.

As you can see, all it requires is discipline. But guess that’s the most difficult part!


Мой отзыв о

Ещё один проект, который я встретил во время мониторинга новинок на Hyip.Space. Мне прямо таки понравился проект, очень. Красиво, качественно исполнен, рекламы со старта особо я не вижу. В чате проекта иностранцы, да и админ скорее всего от туда же.

Понравился и маркетинг, не стандартный, с быстрым отбитием депозита. Если я конечно всё правильно понял по маркетингу, ибо он закручен. Но в целом, прямо таки интересно.

У проекта один единственный тарифный план и на сколько я понимаю, он вечный, то есть навсегда.
До 22 дня вы получаете определённый процент начислений, а с 22го дня вы имеете право забрать 34% от депозита, тем самым выйти в безубыток раньше срока. И дальше вам будет начисляться уменьшенный процент.
Ну это если я всё верно понял.

Срок работы депозита: Навсегда
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Начисления: 3% в сутки
Ваш депозит включён в выплаты

На 22-й день вы получаете 66% и возможность вывести ещё 34%.
Если вы сняли этот процент, то дальше вы будете получать по 1.98% в сутки
Если вы не сняли, то дальше вы продолжаете получать по 3% в сутки

Ввод и вывод средств в проекте

В проекте всего три способа платежа, но самые популярные. Мне кажется в таком классном проекте должно быть больше способов ввода/вывода, поэтому я надеюсь на расширение платёжек.

На сколько я понимаю, криптовалюта конвертируется в доллары, будьте внимательны.

Выплаты: Ручные. Вывод только по будням. Регламент до 72 часов
Комиссия на вывод: Нет
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Партнерская программа проекта

У проекта очень щедрая реферальная программа, которая распространяется на 2 уровня в глубину.
Более того, за большое количество активных рефералов вы будете получать дополнительные вознаграждения. К примеру, если у вас будет 50 активных рефералов, то вам поднимут партнёрку на +3% к имеющейся.

Партнерское вознаграждение: 10% – 2% от депозита реферала Review: Why Waste Your Money on HYIPs

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  • February 18, 2020 1:31 pm

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