Affordable Items and Services

(TNO) One of the ways to get rich is to work hard and use money wisely. Therefore, Business Insider has compiled a list of a few items and services that you should not spend too much money on.

There are many items and services that you should consider before deciding to buy or use – Image: Shutterstock
Extended warranties
Retailers often try to convince consumers to purchase extended warranties, thus increasing the price of the product. The amount paid for the warranty sometimes equals that of a new or used product.
House
In the US, the Department of Housing and Urban Development recommends that citizens spend no more than 1/3 of their income on housing.
Unnecessary smartphone storage
When buying a new smartphone, consider your usage needs to see where you can reduce costs.
Home delivery
Almost every store offers home delivery options for consumers. Using shopping services or websites to find stores that provide free home delivery services is a good idea to save money.
Fast food
According to Business Insider, your health and wallet will suffer when you buy fast food.
Small-scale insurance
Instead of buying expensive insurance policies such as accident or illness insurance, you should purchase a lifetime insurance and disability insurance to save money.
Unnecessary gifts
On occasions like birthdays, holidays, or Christmas, consider carefully before planning and buying a gift that you know the recipient already has or doesn’t need anymore. Instead, you can spend less money to buy a gift and give it to someone who truly needs it.
Weight loss traps
Weight loss drugs and functional foods are advertised as a “miracle” for those who want to lose weight without exercising. However, you should consider the fact that these products are often expensive and may not be good for your health.
Lottery tickets
Sometimes, buying lottery tickets can be fun, but the chances of winning are extremely low. Instead of spending money on lottery tickets, use it to treat yourself to delicious meals or save for retirement.
New car
Using a used car can be one of the ways to save a considerable amount of money.
Coffee every morning
Buying a good coffee maker is better than going to a coffee shop to buy a cup of coffee every morning. Sometimes, spending money on long-lasting items can help you save money in the long run. Think of buying a coffee maker as an investment.
Cable TV
With the development of the internet and online services nowadays, there are not many reasons for you to subscribe to cable TV packages. Almost all popular TV programs can be watched online.

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