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๐Ÿ”ฅ 9 strategies for an ex-pat career woman to get financial freedom and save money

๐Ÿ“Œ 1. Explore the #grocery delivery, pick up service or use a list when you do your groceries.

Appx. 53% of ๐ŸŽ groceries are โ€˜wow, want it nowโ€™ purchases. During Covid, the list of grocery #shops with pick-up service and delivery providers like Instacart have increased.

I like Shop-Shop and PlantoEat apps to have my #grocerylist ready.

๐Ÿ“Œ 2. Spend what you have earned.

Yes, #creditcarddebt is the โ€˜XXI century evilโ€™ that stands in your way to financial freedom. Interest rates for your credit card are EXTREMELY high.

๐Ÿ“Œ 3. Take care of your belongings.

If you do your car oil and #maintenance on time, you could save a bunch of extra expenses at a car shop.

๐Ÿ“Œ 4. Use it to the maximum

Do you really need a new model ๐Ÿ“ฑ #iPhone13 / #googlephone this month/this year? Be careful here not to be in a trap of becoming a Scrooge MacDuck. If tinkering with your car costs you more money than it gives you in service, itโ€™s time to buy a new one.

๐Ÿ“Œ 5. DIY

My friend, a software developer, has surprised me with his passion to #remodel his house in his free time. You could be not that radical, but youโ€™ve got the idea that baking a dozen of cupcakes from the scratch could be fun.

๐Ÿ“Œ 6. Know your needs

If you anticipate that every 6-9 months your #car shall be at the maintenance, what if you save $ this month, and then the next month to be ready to pay for it in 6 months.

๐Ÿ›’ January and August, #MemorialDay and Labor Day, back-to-school sales are best time to buy ๐Ÿ›’ things that you need starting with school supplies, school #uniforms up to bookshelves for your house.

๐Ÿ“Œ 7. Is it less than $300?

Any purchase over $300 is to be discussed as per family #budget and to be done on the next dayโ€ฆor not

๐Ÿ“Œ 8. Do your research

When you buy any electronics, it might be beneficial to ๐ŸŽฏresearch what functions does a product has and what features do YOU need.

When you look for something that you potentially will use ๐Ÿšช๐Ÿช‘ for 5-10 years, a good question is - Is this brand known for durability and good ๐Ÿ’ฅ quality?

๐Ÿ“Œ 9. Choose to buy it for less

Marketplace at Facebook is a great place to buy any kids-related stuff. Freecycle is a website where you can get #furniture, kids' stuff, and beyond for free.

When you buy something as big as a ๐Ÿš— car, do your research and make phone calls to THE MAJORITY of local car #dealership asking for the lowest price.

My husband and I were talking in our native language with an anxious look in a car dealership and then asked for a discount.

Our ex-pat friend bought a demonstrator that had 4,000 miles to save 33% of the initial ๐Ÿš— car price. 5 years later he still enjoys his car.

๐Ÿ”ฅ Share your life hacks. ๐Ÿ™‹

What strategy you do you like? Join me for a no-pressure conversation about your financial flow https://calendly.com/selfcarecoachmaryna/first-talk-with-maryna


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