How to spend less and save more? This question troubles many - both ordinary human beings and the tycoons who have accumulated crazy wealth, because everyone wants to live better and have more money, even if they don’t recognize it.

And this question comes up after one more suspicious SMS about a card write-off, when you finally realize that the only “fraudster” emptying your accounts is you yourself.

 Idram and IDBank have gathered some useful tips - a few simple ways to save money, reducing unnecessary expenses and not depriving yourself of the “little pleasures” of life.

Cancelling subscriptions

Go through all your subscriptions and cancel the unused ones. For example, are you looking forward to this month’s beauty box as much as you were when you just subscribed? Are you still working out and dieting on that paid app’s program? So, from conversational English lessons to giant cloud storage apps, you spend a few hundred drams or a few dollars monthly on each one, but at the end of the month it adds up to quite an impressive sum.

Better terms of service

Often we don’t even notice that the services we use could be provided on more favorable terms. Maybe your Internet operator already has a more favorable package or mobile tariff. Two or three thousand drams may seem like the price of a cup of coffee in a cafe, but who wants to lose even a small amount of money?

Reducing bank charges

There’s definitely a lot to tell us here. If you’re using paid financial apps, it’s time to switch to completely free ones. The Idram&IDBank app for individuals and the IDBusiness Mobile app for businesses are the best digital financial tools that allow you to make absolutely all kinds of payments with just a few taps. Here’s another trick: close all the accounts and cards you don’t use. Why pay for services or leave receivables for products you don’t even remember exist? We’re advocates of minimalism and smart consumption. You certainly don’t need a lot of cards and a lot of bills, you can do everything with one app, right? And one more thing: you can completely save on card service fees if you buy them through Idram&IDBank app.

Tracking expenses

We know it’s the hardest thing to do and that it’s difficult to record all the expenses, especially when spending money, your mind gets clouded and you forget about everything in the world. But we have a solution, and you won’t believe it, but it’s the Idram&IDBank app again. The idea is that the “History” section shows you all your expenses and you don’t have to write anything down manually, so you can easily calculate how much money you spent on what, and then try to cut the expenses that seem unnecessary.

Don’t forget about bonuses

To save money and spend your income more wisely, you should take advantage of every opportunity. If you are offered bonuses, discounts and loyalty points, you just have to take advantage of them. For example, you can follow Idram news and find out where you can get favorable discounts, bonuses and cashbacks when you pay with Idram QR. Then for transactions via Idram&IDBank app or IDBank cards you can get idplus bonuses or idcoin loyalty points, which you can use just like your own money and save a serious amount of money. Keeping money in a savings account when interest accumulates out of nowhere is also beneficial.

We hope we’ve managed to give you a little bit of motivation to save money. But if you follow these tips and still nothing works, you should know that you just need more sleep. But the Idram&IDBank app will still serve you well.

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