We have some tips for you to save money in 2019 Merratum Bank

What if we were to tell you at the beginning that you can have more money without making more money? People often tend to be irresponsible when it comes to their daily spending. But just small things are what will disrupt your budget. Cheap things will easily deceive you to buy, but at the end of the month they all painfully accumulate into one not so small amount. You could invest this money somewhere else. That is why we have prepared some tips for you to save this year.

Coffee machine instead of daily coffee in cafe

Coffee machine instead of daily coffee in cafe

Do you buy coffee with you every day on your way to work? Let’s say it costs about 50, – CZK and you work at least 20 days a month. It makes at least 1000, – CZK per month for something you can play at home. Invest in a coffee machine and reserve five minutes each morning to prepare delicious coffee. You will save, and in addition, you can try the various ballistic tweaks at home to tune your coffee to perfection.

Be more active

Walking is not only beneficial to your health, but it is also one of the alternatives to save on gasoline or public transport tickets. Of course, walking is not always possible, especially if you live in a big city. But you can even try a bike, which in turn appears as the fastest way of transport from point A to point B.

Terrible bad habit

Terrible bad habit

If you are a smoker, 2019 is a great opportunity to stop this bad habit. It sounds easier than it really is, but it definitely pays off. Not to mention the years of life you add, the financial savings are quite considerable. So try to let go and put the money you would otherwise smoke aside. This will give you a brilliant visual presentation of the money you have previously spent on destroying your health.

Cooking is great!

Start cooking and don’t eat so much outdoors. It’s healthier and soothing, no matter if you cook alone, with your friends or with half yours. And maybe you will be surprised at how great you can cook if you are inquisitive enough.

Plan your budget


Have you ever wondered why companies must have their own accountants? Or why do large companies have budgets that are assigned to individual departments? You must always have control over money, otherwise, you risk money being controlled by you. Always make sure you don’t exceed your budget, and not at all for things you don’t need.

Avoid paying by card

If you really want to control your expenses, you should also see them. Spending is much easier when all you see is a plastic card. However, once you see how dangerously thinner your cash is, you will change your mind about your purchase.

And most importantly think about it …

That the company lives on the fact that someone is constantly buying something. At every corner you see ads, and then at the end of the month you’re just wondering how much you spent so much when you didn’t do that much. Think twice about your spending and keep your money saved for what you really need.

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