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Find Out How Much Money You Can Save By Growing Your Own Food

Find Out How Much Money You Can Save By Growing Your Own Food

With just a few weeks until 2015, the free app below can help you save money in the new year. This small app calculator shows how much people could save if they were to grow their own fruit and veg in their garden or allotment, instead of buying it in the supermarket. The app first asks you how much you spend on fruit a week. Second, it asks how much you spend on vegetables a week. It then lists a handful of different fruits and vegetables and asks you to say how many you buy a week (individually). The last question focuses on whether you own a greenhouse or not. The app then calculates a final figure, showing you how much you could save in a year if you were to grow your own fruit and vegetables.

As people are looking to save money throughout the year, this app is current and helps advise people on how to become more organic and ‘green.’

The easiest way to enjoy vegetables that are chemical-free,unpackaged, and fresh is, of course, to grow your own. The only distance the food will travel will be from your garden to your plate. Try growing your own food – fruit and vegetables especially – to cut down on your supermarket bills and help with your budgeting. I did some simple calculations to see how much money you could save, but it’s not just money you will be saving by growing your own food. Home-grown produce tastes so much better, and it can be cooked within minutes of harvesting. There are no ‘food miles’ involved. You’ll also be able to ensure that your food is grown with limited chemical input. Children love to eat growing things they can pick right out of their backward, and growing your own food is a great way to help them understand where food comes from and to get them involved in gardening.

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Growing your own is much simpler than you might expect. To get started, all you need is a couple of pots or a patch of soil and you can make a contribution to your family’s five-a-day portions of fruit and veg. You don’t need acres of space to grow vegetables – even the smallest area can be productive. From tomatoes in hanging baskets to sprouting seeds on a windowsill. Want to start your own garden? Follow these steps!

Step 1:

Gather several gardening tools before you get your nails dirty. Quality tools are very important, they provide more efficiency and comfort and thus less work for you!

Step 2:

Chose where your garden will grow. Pick a sunny spot and decide whether you want a Traditional Garden, a Container Garden or a Raised-Bed Garden.

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Step 3:

Prepare your soil – check your soil before starting. Poor quality soil can ruin fruit and vegetables. You can do simple tests to find out whether your soil is up to scratch. Found out how here.

Step 4:

Decide which plants to grow – pick fruit and veg that appeal to your diet and suit your lifestyle. The cost of the packet of seeds your garden will pay itself for the amount of edible goodness you can create!

Step 5:

Ready, set, grow – you’ve got your gear, prepared your plot and soil, and bought your plants. Next comes planting them to ensure they’ll get adequate sunshine and water as they grow.

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The average household weekly spend on fruit in the UK is £3.20.

The average household yearly spend on veg in the UK is £4.20.

Also, with ‘Loosing Weight’ and ‘Saving Money’ both being in the top 10 most popular New Year’s Resolutions for people to make – this app is not only fun, interactive and colourful but it’s informative and may help you stick to your 2015 resolution!

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Enjoy!


View Original Version here (via Easy Shed)

Featured photo credit: Fresh and Healthy via picjumbo.com

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Published on November 20, 2018

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

Why Your Past Prevents You from Saving Money

Are you constantly thinking about your financial mistakes?

If so, these thoughts are holding you back from saving.

I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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How to Effortlessly Track Your Spending

Stop manually tracking your spending.

Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

The Truth on Why You Keep Failing

Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

  1. Save more than 50% of your available money (after expenses)
  2. Only buy nice things after saving
  3. Automate your savings with automatic bank transfers

These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

How to Foolproof Yourself out of Debt

Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

So how can you separate yourself from the 60%?

By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

A Proven Formula to Skyrocket Your Savings

Having proven systems in place to help you save more is important, but they’re not the best way to save money.

You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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Transform Yourself into a Saving Money Machine

Saving money isn’t complicated but it’s one of the hardest things you’ll do.

By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

What are you waiting for? Go and start saving money, the sky is your limit.

Featured photo credit: rawpixel via unsplash.com

Reference

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