Passa ai contenuti principali


I have several friends that haven't problems to say how much they've spent for an item but have problems to admit how much they're earning...

Let me say that me and my group of friends have average salaries so I don't have problems to admit how much is it and how I'm trying to save more, but honestly I've noticed that finances are a taboo topic...
During last 2 years of high school I've started to work during week in the cafe (where I am still working-side hustle income from late September till June) but I can easy admit that in that period every single cents earned went directly into shopping session, most of times for stupid staff but I wasn't thinking about savings and if I had unexpected financial needed I asked direct to bank of mum and dad but I can say that I was debt free.

First debt of my life is been in 2012 for American holiday in August and in October of that year I've lost my job so I needed to repay the debt, I've started to read financial blogs taking notes about tips ans savvy strategies, I understood what budget was and I've started to have one... I still use budget and I have weekly budget date with my self and my bills...and yes I am still in a hate-love relation with it...

Being focused on debt repayment I became completely debt free in September 2016 and I'm proud of it, next debt will be for a mortage but I must to find my ideal house yet:P

When I announced that I was trying to be more frugal this summer, most of friend were skeptics, saying that it is a sort of mission impossible but in the reality I've already proven that it is possible and I don't have problems to say no to things/event that I cannot true friends are really supportive and helpful in my summer missions, fake friends disappear when you close your wallet /(and I'm really glad about it)....Some of my friends asked which strategies I'm going to use to save and I'm been honest (be honest with yourself and your friends is always a good choice):
nice view during my walking

  • Bike/bus/foot instead car- I tend to move in town using bike or bus or foot most often is possible, I calculated that in the past months my monthly fuel expense was about €160, but I am going to use car when I must to go in place too far but it happens once per week so doing a rapid calculus for the end of summer I'll save €300 not bad right?
  • shopping from my closet- I'm not going to lie I'm going to buy something during discount sales but following only my approved shopping list and buying clothes that I can reuse during the entire year, they must to mix with clothes I already have and I tend to do shopping directly from my closet... it saves a lot of money:P
  • walking instead gym- well I love walking and honestly also if I am lazy when spring arrives and journeys became longer I am going to spend outdoor more time is possible...yes bike is another kind of gym, but think a moment gym subscription has average monthly cost of €80 while walking is completely free so in the end of summer you can save €240.
  • swimming pool-day trips instead holidays- well probably this year I will have staycation summer, going into pool near home or planning some day trips instead a long holiday, well I am a travel lover but why don't choose only one place when is possible visit more...I'm going to have some little breaks but probably in September and I'll save a good amount of money.
Following these little strategies for the end of summer I will have a salary directly into my savings, but I am not going to became an extreme cheapskater so I am going to have good social life being always on a budget because it is possible!!!

Which are your savvy tips?


  1. For me it's all about limiting those recurring costs. So one thing my wife and I worked hard at is planning our meals so that we can have leftovers to bring to work for lunch the next day, as well as not buying things that we won't eat and that will go bad. Saving a little each week or month can add up over the course of years!


Posta un commento

Post popolari in questo blog



As I wrote some post ago first time I saw Olivia Palermo into "the city show" I found her nasty and posh but I always admitted that I loved (and I still like a lot) her outfits because she was ans still is always perfect... so if you have just received a phone call for job interview see her outfit searching inspiration (web will help you to find low cost similar clothes but on your budget so bankruptcy isn't an option)...

The other woman that I admire for her style is italian curvy model Elisa D'ospina, she is really beautiful woman and her outfits are perfect, because if you are curvy sometimes isn't so easy to find right outfit for you...

One thing that you must to do during job interview is smile, have a good voice (not too high/low volume/tone), not too much make up, clean hair and I suggest to study the agency so you'll be prepared on questions about their business and wear clean clothes, I can  remember that time that a friend of mine wore her favorite wh…


Qest'anno ho deciso di guardarlo ma arrivo ad un certo punto ed il sonno vince però con rai replay vedo quello che mi sono persa e in alcuni casi devo dire meno male...
Iniziamo a parlare del look di Carlo Conti e la scelta migliore rispetto alla prima sera, oddio qualunque giacca scura sarebbe stata meglio di quella "da vecchio" della prima sera....comunque si inizia con le nuove proposte e lo devo dire ho una profonda invidia per i capelli di Marianne Mirage, che ha scelto un look molto bello ed elegante, la canzone è anche molto bella e secondo me avrà successo (e prima l'hanno passata in radio un paio di volte), Francesco Guasti e ok lo devo dire io ho un debole per gli uomini con la barbetta ma qui si esagera però il look non mi dispiace per niente e la mi è piaciuta, gran bel timbro vocale il ragazzo, il terzo ad esibirsi è Braschi, giovane carino con la faccia da bravo ragazzo, canzone carina ed orecchiabile ma se devo dire se mi è piaciuta o meno,…