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The Accounting and Tax

Save Tax | Tax Advisor in Toronto | Canada Tax consultant

How can you save smartly?

You might want to save money every month. However you might find that this might become impossible at times. What you must realize is that saving small amounts of money is good, but the smartest thing to do is to look for the big savings first. If you are able to focus on the biggest savings first you would be able to save thousands of dollars every year and with it you can get really ahead. The following are some simple tips to enable you to save smartly.

You must avoid impulsive buying

You would be quite amazed to know that most families probably spend at least a couple thousand dollars a year on things which they had not planned to buy. The two best ways of avoiding this is as follows:

Need of sticking to a grocery list

Instead of just indulging in impulsive buying, you must in the habit of sticking to a list of things which you would buy. Studies show that by following this you could save as much as 23% on your grocery bills.

Save Tax | Tax Advisor in Toronto | Canada Tax consultant

Try not to shop with plastic money

According to a study of a major research firm, people who shop with credit cards pay 12% to 18% more than those who shop with cash. From it was further noted that people tend to spend almost twice as much on vending machines when they use a credit card rather than cash. Thus this clearly reveals that by shopping with credit or debit cards you would most of the time end up spending much more and thus avoid it at most of the times.

Price matching

Many Canadians are not aware that you can price match in Canada. What this means is that that you shop at your favorite grocery store. However you check the grocery store flyers in advance and then take the flyers with you to prove to the cashier that a competitor is advertising a lower price. If your favorite grocery store matches competitor’s advertised prices, then you can get those same low prices without having to waste gas driving all over town. Apart from this the internet is a great source of information as well. You could also use the same for obtaining the best price. This is what enables you to save.

Buy a quality used vehicle rather than a new one

With the advancement in technology now the quality of cars has improved in recent times. Thus buying a used car is much less risky now. Thus instead of buying a new car you can opt for used cars which are of good quality. This will again help you to save.

Pay off your credit cards

Let us take a scenario where in case you are carrying a credit card balance of about $5,000 at 19% interest. In such a case, you would be paying almost $1,000 a year to as interest on your credit card company. You could easily avoid this to paying off this debt. So it is always advisable to pay of your credit card balances, before they get out of hand.

In conclusion we can say that the above are simple ways to save smartly. In case you are looking for consultation regarding tax or finance matters please get in touch with us at “The Accounting and Tax”.

Mansoor Suhail has been providing Accounting, Bookkeeping and Taxation services since 2001 in Toronto, Canada. He is fully competent in Canada and U.S.A tax filings and consultation. He can handle Personal, Small Business, Partnerships and Corporations tax issues with full confidence. He is also able to handle International tax issues for Foreign Students, Expatriates and Foreign Corporations.

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