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Need to save? Nine tips to cut your monthly budget

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Need to save?  Nine tips to cut your monthly budget

OWhen prices go up, costs go up, so saving can seem like an even bigger mission. O Doctor Finance thinks it’s even more important to control spending in this scenario in order to cut down on the monthly budget, and leaves nine tips.

1. Reduced water consumption

“This is already an ‘old’ recommendation as we should try to make it a permanent habit and not just because of price increases. Reducing water consumption, in addition to helping to reduce the monthly bill, is an important action for us to help conserve the resources of our planet. It can start with everyday activities like turning off the faucet while brushing your teeth and washing dishes, for example.”

2. Reduced energy costs

“There are several ways to reduce the cost of your electricity bill with small gestures in our daily lives. The simplest and most obvious is to turn off all the lights in the room when we do not leave it. Another very effective tip is to change the incandescent bulbs in your home to LED bulbs.”

3. Less eating out

“Lunch or dinner at a restaurant, or breakfast at a bakery near your home can be the perfect way out of your daily routine. However, when it becomes a regular habit, it represents a bold hole in the monthly budget.”

4. Are you going to the supermarket? Only with a list and no hunger

“Many of us make this mistake, quite often: we know we have to go to the supermarket because something is missing at home, but we don’t really know what. necessary, because we doubt whether it is missing or not.

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5. Set a monthly budget and stick to it

“Planning your monthly expenses and listing all your expenses is a great strategy to get an idea of ​​where you can save money. You can start by creating an Excel file with “mandatory expenses” such as home loans, electricity, water, internet, etc. Then write down any additional expenses (such as eating out, buying new clothes, etc.). and you will have an estimate of your monthly expenses.”

6. Have you ever heard of the 50/30/20 rule?

“A good method of planning a family budget is the 50/30/20 rule. This formula breaks down your monthly expenses into three parts:

  • 50% of the monthly budget must meet fixed expenses as mentioned earlier: house rent, water and electricity bills, food and transportation costs, etc.
  • 30% can be used for extra expenses such as travel, eating out and buying new clothes.
  • 20% of the amount must be used to pay off existing debts or create a reserve fund. Thus, he is always ready for possible failures in the future.”

7. Say no to food waste

“Laziness or ignorance can lead us to throw away leftover food that could be used later. Take the time to plan your meals for the week so you don’t waste food and use what’s left for lunch the next day.”

8. Consider investing your savings

“At times when inflation does not subside, as now, “stagnant” money begins to depreciate. This is due to a decrease in purchasing power, so the ideal solution is to start investing your savings.”

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9. Negotiation can be key

“We often view contract renegotiation as a consequence, meaning we view it as a last resort to avoid default. However, renegotiating the terms of your contracts – be it personal loans, home loans, insurance, internet and others – can actually help you save several hundred euros.”

Read also: This way you can dry your clothes faster in the car.

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Economy

Everything has been delivered. 10 Bugatti Centodieci are already in the hands of the owners

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Everything has been delivered.  10 Bugatti Centodieci are already in the hands of the owners

OAll Bugatti Centodieci have been delivered, the Molsheim-based brand said on Monday. Cristiano Ronaldo received the number 07 in October this year. and Bugatti has now revealed that the latest unit – #10 – is already in the possession of its owner.

“The Centodieci combines all the values ​​of the Bugatti brand in an extraordinary package: rarity, innovation, heritage, craftsmanship and unrivaled performance. The production batch of 10 units was so in demand by our customers that it was sold before the Centodieci. was even officially presented,” said Christophe Piochon, president of Bugatti.

This latest example is finished in Quartz White with carbon fiber trim on the bottom and matte grilles. The brake calipers are painted in Light Blue Sport, as is the logo on the rear that refers to the EB110, the iconic Bugatti model that inspired this Centodieci. Inside, the predominant color is also blue, as you can see in the images above.

This block is powered by the same block as the other nine instances. The 8.0-liter W16 with four turbines is capable of developing 1600 hp. In terms of performance, this allows the Centodieci to hit 100 km/h in just 2.4 seconds and reach a top speed of 380 km/h.

Recall that each unit costs the owners eight million euros before taxes.

Read also: We already know when the Bugatti Centodieci fell into the hands of Ronaldo.

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Economy

The first Dacia hybrid. “The cheapest hybrid family on the market”

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The first Dacia hybrid.  "The cheapest hybrid family on the market"

BUT Dacia revealed this Monday that the hybrid engine has been available since March on the Jogger, the Romanian brand’s model known to be available with a seven-seat variant.

The Jogger Hybrid 140, Dacia’s first hybrid, will hit dealerships in March, but customers can expect and order it as early as January.

The price has been revealed by Dacia and since it’s only available in the seven-seater SL Extreme, it starts at €28,800. The brand claims it is “the most affordable hybrid family car on the market.”

Available in six existing colors to celebrate the launch of this hybrid, there will be a slate gray version, as you can see in the images above.

Equipped with a 1.6 liter four-cylinder petrol engine with 90 hp, the Jogger is also powered by two electric motors (a 50 hp engine and a high-voltage starter-generator). The total power is 140 horsepower. The electric transmission is automatic, four-speed, connected to an internal combustion engine, and two speeds are connected to an electric motor. This combined technology was possible, according to Dacia, only due to the lack of clutch.

Combined with the energy recovery levels of the 1.2kWh (230V) battery pack and the efficiency of the automatic transmission, regenerative braking delivers all-electric traction on 80% of urban journeys and saves up to 40% of fuel compared to a combustion engine vehicle.

Read also: Dual-fuel Dacia Jogger Eco-G. We tried 5 seater and LPG…

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Economy

See how Tesla tests its electric Semi truck in the worst-case scenarios

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Tesla Semi camião elétrico testes

Tesla has finally been able to bring its long-awaited Semi to market. This electric truck promises to revolutionize transportation and bring all the unique characteristics of this type of electric vehicle to this class of vehicles.

Now that the first units have been delivered, there is hope that they will finally be mass-produced and reach more transport companies. With so many promises to be kept, a new video is now emerging showing Tesla testing its Semi truck under worst-case scenarios.


Tesla Semi is already on the market

Like all Tesla electric vehicles, Semi follows the same line of creating a unique design associated with a platform with the most modern technology available. The proof is in what was presented to the public and surprised most people.

To prove the quality of this new proposal, Tesla published in your LinkedIn account new video. In it, he reveals some of the testing he's done to determine the strength and quality of the Semi's design and its (potential) durability.

Tests to prove its durability

It has been revealed that the Tesla electric truck is subjected to numerous tests and its application in the worst scenarios that drivers may face. It doesn't stop at the ruggedness of the Semi's designs, but goes further and focuses on the motors and batteries themselves.

This is the proof that many have been waiting for to ensure that this new proposal is not limited to a lot of autonomy. Its resistance is great and will provide greater durability, further enhancing the Semi's value and performance.

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high quality electric truck

Tesla has already showcased the Semi's quality with a video showing its truck driving roughly 500 miles on just one charge. The big news here is that he managed to make this long journey with a maximum load of about 37 tons.

Now Tesla remains to widely place the Semi on the market. At the moment, only a few companies have access to this new product, with a very long list of pending deliveries, who want to start mass-using this electric truck offering.

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