Capital Credit Union’s Post

I’ve been thinking about things that just don’t make sense. - Asking for a tip when no one was involved or you picked up the food yourself. - Not taking credit/debit cards in 2024. - Mandating ppl come to the office to do work they do and have done at home. - Emailing a receipt and then asking for it when you leave the store. - This might only be specific to my area. Charging for bags and the company keeping the money. Because the politicians couldn’t sort out what to do with the money. - Stores offering plastic bags for sale to replace using plastic bags. - Celebrities flying private to talk about climate change. - Monopolies are illegal unless it’s a cable or electric company. - When you call a company and they are like do you have your account number. No, don’t you have it. What would you add?

We’ve received several comments asking why our cost reduction series hasn’t covered individual cost-saving tips. Well, because we always listen, we’re excited to announce that we’re ready to give you the insights you’ve been asking for! 5 Simple Ways to Cut Costs in Today’s Economy In these challenging economic times, it’s important to manage your finances wisely. Here are five practical ways to save money and still enjoy life: 1. Track your spending: Create a budget to identify where your money is going and find areas to cut back. 2. Plan meals ahead: Cooking at home and planning your meals can reduce food waste and save you from expensive takeout. 3. Shop smartly: Take advantage of discounts, buy in bulk, and avoid impulse purchases to stretch your money further. 4. Reduce energy costs: Use energy-efficient appliances and unplug devices when not in use to save on utility bills. 5. Focus on needs, not wants: Prioritize essential expenses and postpone non-urgent purchases. By making small adjustments, you can save more and navigate these economic challenges with ease! Let us know which of these tips you already use and which ones you plan to try! Like I always say, procurement is part of our daily life, whether in business or at home. #SmartSpending #EverydayProcurement #CostSavingTips #PersonalFinance #ProcurementInLife #SavingsMindset #BudgetSmart #Procureholic

Does anyone like to get something for nothing? I can help you get between 3 and 10% off your shopping in over 60 shops in the UK plus 1000 stores online. In addition 1% off in every other store in the UK (up to £10) Here is an example of some of the below partners The discounts of which all come off your energy bill every month. Message me for further info and I can see what other savings we can help you with. All free of charge and no obligation!! 👍🏻 #savemoney #saveabundle #utilitywarehouse

Budget-Friendly Ways to Save Money on Everyday Expenses Small changes can lead to significant savings over time. Use these strategies today to see a positive impact on your finances tomorrow. 1. Track Your Spending: - Keep tabs on where your money goes for a month. - Categorize expenses into fixed (like rent) and variable (like groceries). - Adjust your budget accordingly based on your findings. 2. Smart Grocery Shopping: - Plan your meals for the week ahead. - Hunt for deals, coupons, and discounts. - Consider generic brands—they're often cheaper. - Avoid shopping when you're hungry to dodge impulse buys. 3. Cancel Unneeded Subscriptions: - Review your subscriptions and memberships. - Cut out the ones you don't use often. - Share subscriptions with friends or family to split costs. 4. Save on Energy: - Turn off lights and electronics when not in use. - Invest in energy-efficient appliances and light bulbs. - Use programmable thermostats to regulate heating and cooling. 5. Optimize Transportation Costs: - Carpool, bike, or use public transit when possible. - Plan your errands to minimize driving. - Keep your vehicle well-maintained for better fuel efficiency. - Compare gas prices before filling up. #financialplanning #financialliteracy #financialfreedom #financetips #financialeducation #dailytrophy

7 Practical Ways to Save Money on a Low Budget: 1. Make a Budget: Write down your income and expenses. Prioritize needs over wants and stick to your plan. 💡 2. Cook at Home: Eating out can be expensive. Plan meals and cook at home to save money. 🍳 3. Cut Unnecessary Subscriptions: Cancel any memberships or subscriptions you don't use regularly. 🚫 4. Use Public Transport: If possible, use public transportation instead of driving to save on fuel and maintenance costs. 🚌 5. Buy in Bulk: Purchase essential items like groceries and household supplies in bulk to get discounts. 🛒 6. Avoid Impulse Buying: Think before you buy. Ask yourself if it’s something you really need. 🤔 7. Save on Utilities: Turn off lights, unplug devices, and conserve water to lower your bills. 💧 #MoneySavingTips #BudgetLiving #SmartSpending

Finally, a breath of fresh air for our wallets with today’s fuel price drop of R1.14 per litre. It’s not every day we get to share good news about fuel costs, especially for those of us with small businesses where every cent counts. This drop could open up new possibilities for reallocating our budgets. I would advise using the savings from lower fuel costs to improve your delivery services or even explore new markets. Every little saving can contribute to a more robust bottom line. What strategies might you consider with this extra breathing room?

Dave Ramsey one of my favorite financial influencer's from down south. Always offering common sense finance tips, no matter what your economic status is. Highlights....... Ways your wasting money........ Regularly Using Single-Use Items Buying Only Name-Brand Items Eating Out for Lunch Every Day Getting Coffee on the Way to Work Overbuying Produce Not Using Cash-Back Apps or Coupons Falling Victim to Mindless Scroll Shopping Buying in Bulk When It Doesn’t Make Sense Eating Meat at Every Meal Read full article via link below.... #moneytips #finance #budgeting #accounting #profitandloss #bookkeeping #growth #commonsense #smallbusiness #success #savingmoney #investment