Ever wondered why you are always having an empty wallet? If you answered yes then trust me you're not alone. If you ever use social media often, you will might have come across endless jokes and memes like “I love running because I always run out of money” or “There is no difference between me and a monkey because both of us live off peanuts.” Well, truth be told, although it hurts to see our money run of out from our hands so quickly, somewhere you are the one who is to be blamed.

Be it your extra expenses or the YOLO attitude, you often end up spending more than you need to. Not that these expenses are unnecessary, but they are definitely avoidable, given you take a smart approach. So here are some surprising ways of cutting down your monthly expenses. So go ahead and try these ways and let us know if these really worked for you.

1. Avoid Card Payments
We find card payments very convenient and they sound reasonable because you don’t have to carry extra cash always. But when you start using credit or debit cards for payments, you lose track of the money spent and you can’t check your account balance every other day. Also with credit cards, before you even realize it, half of your salary is already gone in the bills. Plus, you won’t be a spendthrift if you pay with cash.

2. Talk To Your Bank For Interesting Deals
If you have been a valuable customer to your bank, then you can definitely have a chat with your bank officials about any lucrative deals where you can save some money. You can talk to them about reducing the interest rates on loans you have taken, reduction in the EMI rates or credit card payments.

3. Sell Your Unused Items
One of the toughest things to do on this earth is to let go your clothes or items that are close to your heart. But if those clothes don’t fit you anymore or the items are of no use to you, then it’s better to sell them off and save some extra money for your monthly budget.


4. Say Hello To Vouchers And Sales
While you might not be fond of this idea of waiting for sale or using vouchers, but these two are surprisingly great at saving money. In fact, you should even consider buying groceries during the sale from the supermarket, instead of going for the branded ones.


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