New year is a perfect time to implement some positive changes in your life. How can you change your daily habits so that they can influence your financial results at the end of the month?
Save money... every day
Are you sometimes wondering why money disappears so quickly from your account? Most of us ask ourselves the same question. The truth is, a significant portion of our expenses has become so inherent in our budget that we completely forget about it! After all, a new dress or a pair of shoes is more memorable purchases than toilet paper, toothpaste or dishwasher tablets, right? Meanwhile, it is these little, but regular expenses that flush your hard-earned money from your account. What can you do about it? It’s simple!
1. First of all – do one bigger shopping and buy enough cleaning products and cosmetics for the entire month. Thus, you will know exactly how much money you have spent. 2. Secondly – shop at online stores instead of a drugstore. When you do your shopping online, you save time and also have full control of what you buy. Moreover, you avoid all the marketing tricks that make you put things you don’t need in the cart. 3. Thirdly – save money by spending it! With CitiSpecials, you get a 5% discount for shopping at the largest drugstore of superkoszyk.pl.
But that’s not all! When you pay for your shopping with a Citi card, you also collect points that can be exchanged for attractive gifts or more discounts.
Focus on personal development
Many mistakes in managing a household budget originate from ignorance. It is easy to change and improve your situation. But how? Above all, you should listen to those more knowledgeable than you! You really have a multitude of options to choose from. In the age of the Internet, many blogs and video tutorials are growing in popularity. They are easy to find if you enter the appropriate phrases in your browser. Another reliable source of information are also guidebooks, magazines and audio books, which will help you climb another rung on the financial ladder. What is more, purchasing useful materials doesn’t have to entail great expenses – as a member of the Citi Specials program, you get discounts up to 25% at the online bookstore nexto.pl.
Regular exercise is obviously a perfect way to improve your fitness and also your financial situation! Most of us spend a greater part of our day in a sitting position – whether in a car or at the desk at work. Such a lifestyle has a negative impact on our health – from backaches, through additional kilograms, to poor blood circulation.
Meanwhile, it is enough to exercise a few times a week to enjoy many years in health. What is more, one change often inspires more changes! When you see the first results of your hard work, there’s a big chance you will also start to care about other aspects of your life, such as your diet. Giving up fast foods, unhealthy snacks and sweet drinks equals more money in your account.
If you complement workouts and healthy meals will the right supplements, such as vitamins and minerals, you will also be at a lower risk of an infection and will, consequently, save on drugs. Now, you can find all the supplements and other useful workout accessories on sklep.cityfit.pl at even lower prices, as you can get a 12% discount with the CitiSpecials program!
First of all, may you be healthy!
Health is one of the things you shouldn’t save your money on. Nevertheless, a majority of Poles go to the doctor’s only when something is wrong. Of course, this results in costly doctor’s appointments, expensive prescription drugs, and sometimes – in the necessity to perform a specialist procedure, often not reimbursed by the health services. In this case prevention is better than cure. Periodic diagnostic tests and annual dentist’s visits will let you quickly check the condition of your body and, if necessary, allow you to take the next steps. If you don’t want to spend hours in queues or spend much money on doctor’s appointments, join the CitiSpecials program and pay up to 30% less at the ALfa-Lek medical center.
Plan a holiday!
A holiday is a great opportunity to charge your batteries. And so is its planning – the mere anticipation improves your mood, and also gives you time to prepare financially for the big expense. How can you enjoy the tropical sun without financial remorse?
Let’s start with the most obvious tip – early planning of the holiday. It turns out you can save up to several hundred zlotys if you buy a summer holiday trip still during winter! Going on a holiday right after the season is also a good idea. This will allow you not only to pay less, but also to avoid the biggest crowds. When on holiday, it is also beneficial to go see sights independently. You can rent a car and go on a trip choosing the way and locations you want. By doing this, you can get to know the local culture better and see far more than during a traditional guided tour ticking the subsequent items off the list of tourist attractions. Where can you rent a car that will take you wherever you want and bring a lot of fun? You can always find a car rental right after you’ve landed or book a car in advance. In the latter case, you may be interested in using the services of Hertz, a company which offers CitiSpecials members a 10% discount.
What’s the new year going to be like depends greatly on you. With the right attitude and a little bit of help you can adopt habits that will make you healthier, happier and richer – and not only enriched with new memories.