Costs of ants and ghosts, how to avoid them?

Do you feel like you’re spending more money than you should and you don’t know what to do? This may be due to ant costs, which are those small and seemingly insignificant costs that are often incurred, but which can add up to a significant amount in the long run.

Due to the low amount, these costs may go unnoticed, despite the impact on personal finances They can be important if not detected and controlled in time.

There are countless of them in everyday life many expenses, including buying coffee or breakfast away from home, buy snacks, bottles of water, sweets, withdraw money from ATMs outside the bank you are affiliated with, among many others.

What are their characteristics?

Spending this money can also be donerelevant at first glance and mostly repeated over and over again.

Since they are not counted, they usually pass unnoticed; however they can be avoided or replaced by cheaper options.

Ant costs are not included in the budget; Often their purchases are impulsive.

When you add these costs you will realize that they are large amounts of money being awarded things that are sometimes not necessary.

How to recognize the costs of ants?

Ant costs are not like that easy to identify, so it’s important to note and add up all your daily expenses, be it coffee, lunch, dessert, etc. An expense that repeats itself every day, this is an ant expense.

How to avoid them?

To keep costs down, you shouldn’t eliminate all the flavors we enjoy. we give daily. Simply, You need to determine which ones are worth it or look for cheaper alternatives.

After identifying expenses, experts recommend recording daily expenses even if they are small, because they will give you a clear view of where your money is going.

Calculate the costs per month and assess whether they are necessary.

Prioritize needs over wants and follow your goalsmonthly checks to see if you are meeting your goals.

Also, save for specific goals, from saving because something you really want will make you think twice before spending on less important things.

Ant costs are not the only ones that are draining finance. Also, there are phantom costs which are those recurring payments that are made automatically or periodically for services that we no longer use or that we could get at a lower price.

These costs can go unnoticed in the monthly budget, of many times They are charged directly from the credit card.

A common example of phantom consumption issubscriptions to streaming services, apps or memberships to the gym or clubs we used to have but don’t use often anymore.

For control Experts recommend incorporating phantom costs into the budget and although they do not see the payment being made, the monthly consumption is realized.

Another way to identify phantom costs is to review your statement debit or credit card accountto know the exact amounts of these consumptions.