So here’s the thing. I’ve been thinking a lot about my personal finances lately especially with all this pandemic stuff going on, you know? I mean, with job security pretty much up in the air for a lot of folks and all these lockdowns, it’s never been a better time to buckle down and take control of where I’m at financially.
Mostly, I’ve been looking for ways to cut my spending without feeling like I’m sacrificing a lot. I’ve already done the obvious stuff like eating out less (not that there’s much choice there with restaurants being closed and all!). But what about the not-so-obvious stuff? For example, I was reading about how some people save tons on their bills by doing little things like reducing the heat, even just by a degree or two. That got me thinking… what other hacks do people have?
I’m also a bit confused about the whole savings vs. investments thing. I’ve got a savings account, but with interest rates so low, it feels like the money is just sitting there doing nothing. I’ve heard you can get a better return if you invest in stocks and shares, or maybe a property, but I have no idea where to begin! And, it sounds riskier than just leaving it in the bank.
I don’t have thousands lying around, but I’d love to hear from those of you who’ve been able to increase your wealth, even by just a 🤔
