gboyinwa ajomale

<h1>To improve your finances, there are some expenses you might need to cut out from your monthly spending.</h1>

Some <a href="http://www.pulse.ng/lifestyle/money/5-unnecessary-things-you-can-avoid-spending-money-on-id7715991.html" id="ca73de81-61dd-528c-93a1-5c3f525304a9">unnecessary spending</a> can make it difficult for you to achieve your financial goals.

Here are expenses you need to cut out to improve your finance.

There are different forms of subscription. Ranging from internet subscriptions to pay tv subscriptions to gym subscriptions and social clubs subscriptions.

These subscriptions are most likely affecting your income negatively and they might be making it difficult for you to make headway financially.

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Cutting them off will make it possible to improve your finance.

If you are in the habit of always <a href="http://www.pulse.ng/lifestyle/money/6-ways-to-save-money-eating-out-id7440355.html" id="1e9c42ad-158b-5204-bdaa-3bfd5fe49066">eating out</a>, then you should watch it. Just like you are always eating out, is also the same way it is eating deep into your finance.

Having meals at restaurants and fast food joints can be quite expensive. Instead of always eating out all the time, you should do more of cooking your meals at home.

This is not telling you not to shop at all but shopping only for the important things you need.

If you keep shopping for things you do not necessarily need or you have the habit of always without reason, then you need to stop.

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Your finance might never improve if you keep shopping on impulse. Cutting down on impulsive shopping would help you save more.

A lot of hanging out entails money spending. This could be leaving you in a financial mess.

You need to cut down on hanging out or find alternative <a href="http://www.pulse.ng/lifestyle/money/5-ways-you-can-have-fun-without-spending-money-id7800621.html" id="8740cef3-445b-524b-81c5-2e1efe74ce22">ways to catch fun</a> with your friends.

This might come as a surprise to people but bank charges has a way of messing up with your finance in the long run.

You might not know little amount of money is always deducted whenever you use banking platforms especially online banking platforms.

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These charges add up and they can ruin your finance. To avoid this try spending more of cash and reduce the level at which you perform online transactions.

You can actually do without these expenses which might not be helping your finance in the long run.

Expenses you need to cut out to improve your finance

<h1>When it comes to your finances there are some blunders you should always try to avoid.</h1>

These financial blunders make it difficult to achieve your financial goals.

This is why it is important to know what these blunders are so you can avoid them totally.

Here are financial blunders should avoid.

1. Not able to differentiate between wants and needs

A lot of people mistake wants for need. <a href="http://www.pulse.ng/lifestyle/money/differentiating-between-needs-and-wants-id7847796.html" id="7a5ed201-9afc-5339-864d-0916ebb36e2b">There is a difference between wants and needs</a>.

There are some basic things you cannot do without, that is considered as needs, but what you desire or crave for is considered as wants. You can't cut back on your needs, but you can do without your wants.

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If you don't need some things, cut it out from your spending.

Having an emergency fund helps you to pay for things you didn't plan for.

Apart from what you set to spend each month, set aside money for emergency expenses, so you can pay for unexpected expenses without having to worry about your finance.

If you are in the habit of spending without knowing how you spend, then it is bad for your finance.

If you don't <a href="http://www.pulse.ng/lifestyle/money/easy-ways-to-keep-track-of-monthly-expenses-id7759837.html" id="db8d8c07-39ce-5b94-a7d9-6009b01625cc">keep track of your spending</a>, it would be difficult to know if you have reached your spending limit.

Start tracking to make your finance grow.

One of the most common financial blunders people do is leaving out items when calculating their expenses for a month.

It could either be a little expense which might not matter or something you pay for only once a year. But no matter how small or time range you have to pay for something, It has to be put in your spending list.

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Try not to forget items when listing out things you want to get. You can also go back to previous lists to check what you might have left out.

The biggest financial mistake is not having one. Having no <a href="http://www.pulse.ng/lifestyle/money/why-you-need-a-budget-id7456435.html" id="099f1812-93f0-5a52-9e59-fd4ecd759601">budget</a> makes you live life without having a clear-cut plan for your finances which is likely to leave you in financial crises.

You might survive it but you are not progressing financially which leaves you in the same position.

If you have no budget, create one soon.

It is important to know what these financial blunders are so you can avoid them totally.

Avoid these financial blunders

<h1>There are simple and frugal ways to achieve your financial goals.</h1>

Living a <a href="http://www.pulse.ng/lifestyle/money/frugal-lifestyle-habits-to-help-you-save-more-id7805711.html" id="c0a718cd-816a-562d-95e0-bd939b82ca35">frugal lifestyle</a> might look difficult but it helps make it possible for you to get a hold of your finance.

Here are frugal ways to achieve your financial goals.

At the end of each, there are utility bills which are meant to be paid. So you need to cut on your utility bills by managing the use of things, in that way, at the end of every month you are not billed so much.

For instance, electricity bills are one of the most common utility bills people pay which is very compulsory and also important.

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Cut the cost of electricity bills by managing how you use electricity supply. Do not leave any electrical appliance on if it's not in use. Try switching off all things that have to do with electricity when leaving the house from the main source.

Another hack is to help you save more is paying with cash.

Paying with cash helps to know how much you spend on items, which is quite different from swiping with your atm debit card that you don't know how much you've spent.

Spending with cash has a way of controlling your expenses but with an atm debit card you tend to spend more without knowing how much is left in your account.

Also, there are some charges when you use your atm debit card to pay for things.

It might be convenient to go cashless and pay for things with your atm debit card but it is wiser to pay with cash.

Doing repairs is another way you can save more. You can do simple repair and maintenance yourself instead of paying someone to do such repair and maintenance.

Most of the repair that is always needed to be done is either in the home or the car. Go online and watch video tutorials on how to do some basic repairs and try them out. You save more on cash when you do simple and basic home and car repairs.

As people <a href="http://www.pulse.ng/lifestyle/money/6-ways-to-save-money-eating-out-id7440355.html" id="e9ac1c96-a1c3-5a02-8cf3-f33972130783">eat out at restaurants</a> or order food from restaurants, so also does it eat into people's finances.

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To save more on meals, it is best advisable to do prepare most of your meals yourself. It saves more to cook at home rather than eating out and ordering food.

If something new comes out and there is a high demand for such product, it is always expensive at first.

You don't have to be in a rush to get it. Let the buzz die down before you get such product. The product would have dropped to a reasonable price when the buzz on such product has reduced.

This works well when it comes to electronics and gadgets.  It can give your finance a positive change.

These frugal ways would help you achieve your financial goals much faster.

Frugal ways to achieve your financial goals

<h1>With the crazy economic downpour all over the world, people are finding other ways to make extra money. Some people have side hustles, while some others have another source of regular income.</h1>

But some people have resorted to other extreme and weird ways to make money or extra.

Though they seem crazy, people have tried and keep trying this money making ideas.

Here are 5 weird things people do to make money which you can also try out if you have the guts and crazy enough to do so.

With the new craze for intercontinental hair extensions like the Peruvian hair, Brazilian hair, Indian hair, Russian hair and the rest, which many Africans especially ladies patronize, has made the harvesting of virgin human hair a very lucrative way of making money.

Too bad the kinky hair from Africa is not in high demand at the moment.

Some people have found ways to make money through crying.

Instead of wasting your tears over issues, you can actually cash out by crying. We now have what we call professional mourners. They are people who attend funeral services just to cry, to give the notion that the deceased was very important.

Whether you like it or not, sperm banks have come to stay and it is gradually being accepted by the general public. You can make some cool cash just selling your sperm to a fertility centre.

You have to meet some certain requirement to be able to give your sperm out to a sperm bank or fertility centre. Once you meet all these requirements, you can then sell it.

Why waste all that sperm masturbating when you can jerk off and still make extra cash.

People need blood to survive daily.

Though it is advisable to donate for free, but we have heard about people who sell their blood to blood banks for cash.

Look at the health benefit of giving out blood. It boosts the production of new blood cells and also maintains the health of the heart and liver.

So if you can't give it out for free, you can just sell it. It is a win-win situation.

This should be the most controversial way of making money.

We have seen and heard on social media about stories of girls who auctioned their virginity to the highest bidder. If you are a virgin and you have the guts to auction your virginity, you could give it a try. But be careful who you are selling to.

As long as what you want to do to make money isn't illegal and you have the guts to do it, then go for it.

Some people have resorted to other extreme and weird ways to make money or extra.

5 weird things people do to make money

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gboyinwa ajomale

Articles written by the author

Expenses you need to cut out to improve your finance

Avoid these financial blunders

Frugal ways to achieve your financial goals

5 weird things people do to make money