Do you zero out your accounts each month and go broke until the next paycheck comes in? Do you feel guilty about all those impulse purchases you could’ve done without? Sounds like you’re a chronic over-spender (like me).
While it may not be easy to spot your own overspending habits, the good news is, it’s never too late to curb your overspending. Here are 4 tips on how I started saving up.
Save up and then spend
Living from paycheck to paycheck can be tough especially when you’ve chipped away at your savings already. If you’ve got two bank accounts, the best way to make sure you don’t spend too much on unnecessary stuff is to transfer half your salary to another account and forget about it. Once you get this 50%-rule right, it’s a smooth road ahead.
Pack up some lunch for work
You never realize how much you spend on food till you start packing lunch from home. This gets not only your healthy eating habit on track but also helps save some extra cash every week. You can always treat yourself to a delicious meal on Fridays (TGIF!).
No expensive hangouts
Hanging out with friends doesn’t have to burn a hole in your pocket. As much as we all love meet-ups at swanky coffee places, it’s best to limit those high budget plans to once a month. Alternatively, you can always meet your friends for some ‘Karak chai’ at a dhaaba near you.
Maintain a spreadsheet
If you have diversified streams of income, putting down all your expenses and income in a spreadsheet is the best way to keep a tab on how much you’re spending vs. how much you’ve saved.
Got more saving tips to share? Share with us in the comments below.
Safest places for solo female travelers
If you’re a girl-on-the-go whose heels get itchy every 3 – 6 months for some globe-trotting, you’d know just how difficult it is to plan a trip. Weather, cost, visa, and convenience are some of the things every traveler has to consider in detail before planning a trip. However, one factor that bothers most female travelers is the safety of traveling alone and what places are ‘female-friendly’.
We’ve listed down 5 travel destinations that are safest for girls traveling alone along with a whole lot of fun.
Iceland ranked #1 on the Global Peace Index, a report released by the Institute for Economics and Peace gauging the peacefulness of regions and countries around the world; obviously, it had to be number one on our list too. If you’re a nature’s child, this place has several selfie-perfect attractions such as the Blue Lagoon and Northern Lights.
Also touted as the hub of fashion, food, and glamour, Italy has slowly but surely become the glamour capital of Europe. Walking on the cobbled streets of Italy lauded with culture and heritage gives a sense of empowerment and enlightenment at the same time. Florence, mainly known for its architecture, is an ideal safe place for a solo traveler who also is an undercover history, architecture and culture lover.
If you’re a clean freak with a hint of OCD, Singapore will be your playland minus the mess, obviously. With futuristic buildings, clean, and safe environment, this South East Asian beauty is the perfect place for the girl who looks for art in architecture, loves shopping and never says no to delectable cuisines.
Tim Hortons, Maple syrup, and snowstorms, there are so many reasons Canada pops up on our newsfeed but not many people know that it’s also the safest place for solo female travelers. Experience Europe for less and head to Montreal. With its scenic riverfront Old Port, history museums, an array of restaurants offering scrumptious cuisines, and old cobblestone streets leading to 17th-century buildings, Montreal gives you the European experience on a budget.
Auckland, New Zealand
Also known as the Land of the Kiwis, New Zealand is one of the most visited places by solo travelers. It is extremely safe, has breathtaking views, and so many outdoor activities to keep your itchy toes satisfied.
Which travel destination is on your list?
Life-changing books every woman should read
You don’t read a book you have a relationship with it and there are some of these relationships that we keep going back to because they teach us something new every time, they inspire us to do better and more importantly, they help us realise our own feelings manifested so brilliantly into one of numerous characters. Here is a list of some of our favourites that we can’t seem to get over!
Complete stories by Dorothy Parker
Witty, crass and oh-so-funny, Dorothy Parker is the skeptic we all need in our life to take everything with a grain of salt and double question everything. If you’re looking for some motivation, you need to pick up this book today to embark on this journey of razor-sharp commentary on the ordinary lives of ordinary people. Parker’s beyond brash one-liners and clever rhymes are sure to make you crack up at the extraordinariness of ordinary.
Bad Feminist by Roxane Gay
“I’d rather be a bad feminist than no feminist at all,” says Gay and we couldn’t agree more. Roxane’s articles on modern feminism are hilarious as she tells all and comes clean about what it’s like to be a feminist who enjoys anti-feminist things such as hip-hop and reality TV. She is honest, she is aware and most importantly Roxane is funny and relatable!
Eat, Pray, Love by Elizabeth Gilbert
We are assuming most of the female population on this planet has already read this book for the vicarious thrills and escapist kicks this book is loaded with. This mention, however, is for any girl who hasn’t read it yet! Seriously, girl come on! If you’ve lost someone close to you and feel like there will be no end to your plight, you will find that much needed comfort by reading how Gilbert fell to the ground, stood up and turned her life around because remember, you are the heroine of your story!
Codependent No More: How to Stop Controlling Others and Start Caring for Yourself by Melodie Beattie
We have all been there. Expected more, loved more, cared more and the list goes on and so does the list of things that left us disappointed. So we found a book filled with no-mess strategies to overcome destructive behavior, dodge drama, and regain control over our lives we say, sign us up sista! Beattie explains why it’s so difficult but so important to love yourself through enlightening anecdotes and hand holds you through the journey to independence, self-fulfillment and eventually happiness.
Pride & Prejudice by Jane Austen
This is the realest a love story can be. The constant ego match between Darcy and Elizabeth is the perfect definition of dislocated attraction, while the external factors and their own internal conflicts constantly tearing them apart coupled with Austen’s social critique will at some point make you go omg same! The book teaches us some important lessons such as that the adage first impression is the last impression should be thrown to the wolves and that sometimes we are so blinded by bias that we fail to see the person infront of us.
- Tiny Beautiful Things: Advice on Love and Life from Dear Sugar by Cheryl Strayed
- A Fiery Heart by Charlotte Bronte
- Little Women by Louisa May Alcott
- The Woman Code by Sophia A Nelson