Save money . In the short and, above all, in the long term .
In this article we want to give you 10 tips (without presumption of exhaustiveness: indeed add some personal comments) to deal with the difficult historical-economic period in which we live. Some are practical and explain to us how to avoid expenses that we could well do without. Others are suggestions with a minimum common denominator: the desire to trust those around us.
The sharing economy is, above all, an instrument against the crisis. And we are proud to contribute to its growth and diffusion through our model of social lending and secure investments in private loans.
1. How to save: password “sharing”
In the beginning it was hitch-hiking, today it’s called Bla Bla Car . The most famous carpooling site allows you to share a trip and it works like this: those who want to travel by spending little, those who can not afford a Frecciarossa or who has been displaced by a strike of the trains he was not aware of looking for a ride on blablacar.it.
It inserts on the site the day and time in which it wants to travel, the place of departure and arrival. Then consult the list of the steps that the registered drivers have published in that section on the date indicated.
The Milan-Bologna route, one of the most beaten, with a regional train would cost about fifteen euros and it would take almost 3 hours. With blablacar you save an average of 5 euros, a half hour travel and more talk and socialize. And you can even choose the level of “chatter” you are predisposed to: bla (“I do not like to chat”), bla bla (“chat according to mood”) or bla bla bla (“I like chatter”).
It is convenient for everyone: car owners, who repay the petrol; to passengers, who save and arrive earlier. It is therefore not surprising that the community has recently reached 35 million members in 22 countries. Every three months travel more than 12 million people using the platform. An army that dwarfed the hitchhikers who held their thumbs confident in the last century.
The first thing in Italy was the sharing of spending : buying food together to buy better and spend less. The pioneer city of the Gas , the Solidarity Purchase Groups , was Bologna. The first was born in 1997. It was formed by some families willing to direct their consumption towards small local producers to favor the organic products of social cooperatives, which have as their objective the inclusion of disadvantaged people to work.
A model different from that of the housewife who goes to make her “private shopping” at the supermarket. A model that in recent years has spread to all the major Italian cities.
A little ‘out of necessity, a little’ age or ethical predisposition, the sharing economy has spread in many areas: those who have a free room in their apartment, can put it online and accommodate tourists. On A irbnb , the most famous platform for sharing houses and rooms in the world, there is a system of comments and evaluations of guests and hosts to avoid the cheats. And prices are often lower than those of traditional hotels.
Then there is socialeating, or sharing a dinner : platforms like gnammo.com allow those who can cook to organize a dinner at home, inviting unknown people. The cook earns a small amount for each guest; in return, the guests spend less than at the restaurant and take the opportunity to socialize .
And in the end we are in , that we base our business model on the sharing of money , approaching those who need a loan with those who have savings to make available for investments from € 10 to € 50,000 . For example, our investor Andrea did. Here is his story .
2. How to save: to each his app
There are apps like DogVacay that allow you to make money by taking care of the pets of others. There are others like Enjoy or Getaround for renting peer-to-peer cars.
Spinlister does the same service with bicycles, surfboards and ski equipment. Poshmark with clothes.
Whether they are bikes or cars, they are just some examples of reuse to intelligently exploit the possibilities that the web offers us by connecting people and their needs.
3. How to save: do the shopping without “deception”
The supermarket is a deliberately dispersive place: music in the background, a myriad of colors, the noise of the speakers. This is why we have to concentrate on it , and this can help us to prepare a list of the products to be purchased in advance. Do not be distracted by offers strategically placed near the checkouts or prohibited to buy products only because they are on offer, if they are not on the list!
A good idea is also to make a substantial expense and not many small expenses.
4. How to save: get married (and not only) with the sponsor
The pioneers of the wedding with the sponsor were two Milanese boys in 2011: advertising the companies that had provided the car, the clothes and the cake, the day in which they married Elisa and Walt sparingly.
And today, thanks to carvertising , you can even have a car for free. How to do? Covering your car with stickers that promote a company you can earn a small amount of money per month, provided you have to cover a certain number of kilometers per month and keep the vehicle parked in a wide area.
5. How to save: surf with your head
Smart use of the internet is a must for modern savings . Useful to look for the best offers on comparison sites ( Skyscanner for flights, Supermoney to compare insurance, loans, mortgages or even gas bills or the classic Booking to find the most convenient hotel) but we also recommend checking prices directly on the websites of the companies or the hotel on duty, because sometimes the savings are greater. You can also subscribe to newsletters to stay up-to-date and buy tickets or products well in advance.
Also look at the special offers on Amazon and Groupon .
6. How to save: return to nature
We often forget that the shopping center or the walkway among the shop windows are not a must, on the contrary. Combining the well – being of a more natural lifestyle with savings can be rediscovering the charm of nature and leaving comfort for a few hours.
A walk in the mountains is certainly more difficult than an aperitif, but it is also healthier and, moreover, cheaper.
7. How to save: when in doubt, remember your grandmother
When we were children (we have always been for them and we continue to be one of them), our grandmothers warned us: ” remember that two euros saved today seem nothing, but at the end of the month there are 60 “.
A calculation that does not make a fold and that we must remember to do every time we want to give in to unnecessary habits or vices, such as breakfast at the bar, coffee at all hours, too many cigarettes.
Applying grandmother’s account, if we give up breakfast at the bar every morning, in a year we could save almost € 1,000 (calculation made on an average cost of € 2.50 x 365 days = € 912.5).
8. How to save: blue water, clear water (and tap)
Did you know that – according to an Altroconsumo survey – Italy is the first country in Europe for bottled water consumption? Hundreds of thousands of tons of oil are used every year to produce the caps, packagings and bottles. Damage to the environment and to the wallet.
To save money, take the example of the virtuous citizens of other European countries: refrigerate a glass bottle and fill it with tap water. Fresh, drinkable and, moreover, free.
Then reduce the small waste of lights on, drafts, vegetables left to rot in the fridge: this is the main road for long-term savings .
9. How to save: at school of divisions
Splitting the monthly budget you have available by removing the fixed expenses (bills, gym membership) is another good way to get quieter at the end of the month. Dividing the result by four and obtaining a weekly budget facilitates the task.
If the maximum ceiling is known in the short term, it is easier to respect long-term objectives.
The most drastic but equally effective decision is to leave the credit card at home.
10. How to save: think long-term
Setting yourself a savings goal with a long-term incentive is perhaps the strongest motivation to start saving today. Think of grandma’s advice: one euro today is € 365 at the end of the year.
I would definitely save more if I realized that giving up breakfast at the bar or afternoon coffee for six months would allow me to have a nest egg to pay for a few days’ holiday in Barcelona.