Saving up for your treatment doesn’t necessarily have to mean stashing away hundreds of pounds for the foreseeable future, nor does it mean you have to live on a poor diet or miss out on nights out with your friends. While saving can be a long process depending on how much money you are willing to put towards your treatment each month, from the hair transplant you’ve always wanted to professional dental implants, there are easy and clever ways to save up.
Find out how you could be getting your treatment quicker than you may think below.
Split your paycheck
When it comes to saving up for your treatment, whether it be a hair transplant, plastic surgery or cosmetic dentistry, the first thing you need to identify is how much you can afford to save. Worrying over money can be seriously stressful, so it is vital that you divide your paycheck as soon as you receive it.
You can even request the HR department of the company you work for to do this for you, between your savings and checking accounts. This way, you’re less inclined to touch it. Plus, interest rates are more often than not higher for savings accounts than they are for checking, so it’s a win-win situation!
Pay your insurance premiums on an annual basis
You need insurance for everything, from your home to your car and even your life, but if you pay each amount in one lump sum, you’ll likely receive a discount on the total. Preparing for the expenses is easy. Simply divide the total by 12, then put away that amount each month for 12 months, so by the time your premium is due, you can pay it in full and put the excess towards your treatment plan.
Sell your stuff
Saving up for your treatment doesn’t necessarily mean stashing your earnings into a savings bank account each week, selling unused items, such as clothes and gadgets, can be equally effective. We’re not encouraging you to sell things you may want in the future, but selling on items or clothes that you never think you will use or wear again is a great way to save a little extra cash each month.
Sell your items for a reasonable price by looking up the item’s retail value, brand new and used. This way, you can determine a fair selling price and sell your item quickly online.
Go on a saving spree
You’ve heard of a spending spree, but do you know what a saving spree is? Unlike a spending spree, a saving spree involves spending as little money as humanly possible over a defined period of time. Saving sprees are much easier than long-term budget cutting, since they are limited in duration, and you know you can probably live without new clothes for a couple of weeks.
Before you make a purchase, question why you are making it, and only go on with those that are definitely necessary.
Leave the credit card at home
Credit cards are dangerous things. If getting into trouble with your credit card(s) sounds familiar to you, hide them in a safe place at home – not in your purse or wallet. We understand that you may need to keep a card for emergencies, but try and avoid carrying it around with you on a daily basis if you don’t need to.
It’s easy – too easy – to whip out a credit card at the cashier desk when you’re buying that winter coat you really want, but don’t necessarily need. So next time you’re tempted to take your credit card on a shopping spree, leave it at home!