Saving is essential to manage your finances in a healthy way. Being able to have an emergency fund for any eventuality that occurs in your life, such as the possibility of traveling, meeting goals and objectives, and even acquiring those high-value things that you want so much... Savings is essential for all of this.
However, it seems that those around you are constantly opposing you from being able to actually save, and it is not an easy task. There are several obstacles that are constantly stifling people's savings aspirations, and one of the most common is that of the so-called “ant spending.”
Ant spending basically refers to all those small expenses that are not really necessary and that you make repeatedly, and even unconsciously, since you have not realized the effective influence they have on your budget. They are small sums of money that are spent on everyday, unnecessary desires, and that, precisely because of the “insignificance” of their loss, we do not pay attention to them… Fatal mistake! These types of expenses are the ones that prevent you from saving and can even put you in debt.
Ant expenses are characterized by being irrelevantly small sums, recurring periodically, not being accounted for by almost anyone, being avoidable expenses and, above all, because when they are put together they can reach considerable figures. Some of the most common examples of this type of expense are morning coffee, cigarettes, beer from the bar after the office, lunch out, and typical snacks, among others.
The key to controlling spending is not to deprive yourself of all the small pleasures (that's what life is all about, right?), but to identify them, discern which ones are really worth it, and replace them with cheaper alternatives. , while the most unnecessary ones simply delete them. It is also important that you monitor them, keep track of how much you have spent on ant expenses, it will help you realize the accumulated amount, discouraging you from continuing to buy.
Ultimately, by monitoring your expenses and working on your discipline, you will be able to reduce your expenses and increase your available balance... Travel? Saving? Now you decide what you invest your money in!
