How to save on what now. How to learn to save and save money with a modest income? Practical advice
Content
Excessive spending of money is natural with large incomes, but they are no exception when analyzing in detail for families with small budgets. The constant making of spontaneous rash purchases is inherent in everyone. The question of how to save money in the family worries many, and for this you will have to learn how to properly distribute your budget, according to the income received.
How to learn to save money
To learn how to save the family budget, you do not need to limit your needs, but you just need to develop the ability to competently manage the available funds. To save money, you should:
- Maintain detailed cost accounting and analysis. Develop good habits of highlighting priority directions, without which it is impossible to do and refuse unnecessary spending.
- Plan spending money according to the funds received.
- Learn to save for unforeseen expenses, so as not to take out loans during a crisis in the family - when a job is lost or treatment is needed.
rules
The elimination of unnecessary expenses does not reduce the quality of life at all. Saving money in the family is possible if the following rules:
- Don't go shopping hungry or after getting paid, but spend after budgeting.
- Go to the supermarket with a prepared list of products and, in order not to buy unnecessary trifles, visit only those departments where the necessary product is located.
- For payments in the store, refuse plastic cards, and use cash. After making purchases, do their total count.
- When deciding to make a large purchase, it is better to postpone the acquisition time for a certain period and weigh well the need for this thing.
- Use discount cards and cashback opportunities to get discounts.
- It is reasonable to approach ongoing promotions, to beware of the temptation to purchase goods that are irrelevant for yourself.
- Regularly do an examination with a doctor so as not to buy medicines when a neglected disease is detected.
The ways
You can start saving money with your family in the following ways:
- The five-envelope method is designed for four weeks of the month. The entire salary is divided into five parts. Control of spending money is carried out by following the rule - only one envelope is allowed to be used per week. The fifth is provided for the remaining last days of the month and for accumulation.
- Keeping records of purchases and payments for services, followed by an analysis of expenses. You can write down expenses in a notebook, in an Excel table, or use programs downloaded from the Internet for this. Analyze the spent expenses on a monthly basis. This method helps to identify unnecessary costs, and after analysis, they can be reduced or completely eliminated.
- Refusal of loans. Borrowing on vacation, to buy household appliances or a telephone, when there are still old ones, is an unreasonable decision. It is better to save money and have a rest for the deferred funds or buy the desired thing so as not to spend money on bank interest.
How to save money in the family - table
When planning a family budget, it is necessary to distribute all the estimated expenses in descending order of their importance and include the first from the list in future expenses. All family needs are shown in the table:
What can you save on
Reasonable use of the opportunities provided is economy. You can reduce costs by:
- Utilities. It is necessary to install water and gas meters.
- Wardrobe. Buying clothes at the end of the season at sales. Do not strive to purchase a large number of clothes - you can create new outfits by combining several things.
- Household appliances. You do not need to buy a product with a large set of functions - this increases the purchase price. Only the options you want can be selected.
Food costs
Vegetables and fruits are essential for proper nutrition, so you cannot save on them. Savings can be obtained by:
- Reducing meat intake. This will not reduce the quality of food.
- Reducing the amount of sweet desserts in the diet. This will improve your health.
- Purchase of products at favorable prices in the market before its closure.
How to save energy
To save money you need:
- Buy energy saving lamps.
- Turn off the electricity when leaving the room.
- Purchase household appliances that consume less electricity - class A, AA, A +.
- Do not place the refrigerator near a heating radiator or stove, and regularly defrost it.
- Disconnect electrical appliances from the mains after use.
Bad habits
When analyzing the costs, you can find that the costs of smoking and buying beer consume several thousand rubles. A lot of money is spent on the purchase of chips, carbonated drinks, alcohol. By eliminating these costs, you can not only save money in the family, but also preserve health. Abandoning them will help to compensate for the lack of funds or use savings to accumulate.
Cheap counterparts
Large sums of money are spent on purchasing new products or branded items. There is no need to strive to buy expensive products or acquire new equipment and communication means, if the old ones are still working. Promoted brands of dairy products and cosmetics can be replaced with similar cheap products from a local manufacturer. To do this, you need to compare their composition.
How to save money with a small salary
Small income is not a sentence, but an incentive to streamline your expenses. How to save money in a family with limited budget? It is necessary to learn how to plan expenses according to the funds received. To save money, you should:
- Refuse loans, as the fee is bank debt increases the burden on the family budget.
- Prioritizing family needs and aligning them with income can help reduce spending.
Budget allocation
With a reasonable approach to the use of family finances, it is possible to identify reserves even with a small budget. To balance income and expenses, you can use the recommendations:
- Plan your needs for a month.
- Make up a food ration for the week and make purchases according to a compiled list. This way you can avoid the purchase of excess food and prevent them from spoiling.
- Essential products that are consumed by the family in large quantities and do not spoil (sugar, flour) can be bought for future use at wholesale prices and so save.
Financial Accounting
Registration of all expenses will help to analyze them and detect unnecessary or harmful expenses. How can you save money in a family with a small income? There are options for this:
- Avoid going to restaurants and cafes, and cook homemade food for family members and guests.
- Replace spa visits with home treatments and paid fitness sessions with morning jogging and exercise.
- Give up harmful foods (chips, carbonated drinks) and habits (smoking).
- Rest in exotic resorts should be replaced by excursions to the neighboring region, visiting exhibitions and museums, a trip to a picnic.
- Do not buy ready-made food and convenience foods in supermarkets, but cook yourself. Instead of packaged goods and slicing, purchase cheaper food products by weight.
- Review periodically tariff plans for cellular communication and choose only favorable rates that include the options you need.
- Buy cheap things from online stores.
How to start saving and saving money
In order to understand how you can save money in a family and learn how to save, you need to define financial goals for yourself and strive to achieve them. You can save money every month for: buying a car, vacation, home renovation. Real estate capital does not benefit its owner, so savings must be used to generate additional income through investments in investment. Money can be spent on favorable terms put in a bank on a deposit with interest capitalization.
Video
Found a mistake in the text? Select it, press Ctrl + Enter and we'll fix it!Hello, dear readers of the site! Now we will analyze all the proven methods with you, how to save and save money correctly with a small salary.
We all strive for a good life , and each of us would like to make our life even better, but in most cases our finances, or rather, our small salary, do not allow us.
Unfortunately, in our modern world, you need to learn not only how to make money, but also know how to save it and properly distribute it.
Today we will consider various receptions how to save money with a small salary, how and what to do to financial difficulties did not take you by surprise and there were no financial problems.
To improve your financial situation (to learn how to save and save money), you just need to follow the simplest rules, and then financial problems you won't! Remember: money comes to someone who knows how to properly handle it!
So, from this article you will learn:
- Do I need to save on food, electricity, etc .;
- How to save electricity;
- How to save on food;
- How to learn how to save money and save with a small salary - proven ways;
- How to accumulate a decent amount;
- Folk omens about money.
For details on how to save money with a small salary in the family, as well as how to save it, read further in the article.
1. Saving the family budget - must become an important financial habit 💸
The first thing to remember: saving - this is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Savings will help you competently, cleverly and right control and distribute your expenses, refuse from food and habits that are harmful to the body.
Very often we have, at first glance, petty, but fixed costs, which seem "trifling" to us, but in fact create good holes for us in our budget.
To learn how to save money correctly and correctly , you need patience and work on yourself. But then you will understand what unnecessary costs are, and, perhaps, learn how to profitably invest and earn on it. If you want to find out how you can make money, then our article "" is to help you.
Saving does not mean that you will have to deny yourself everything, eat bad products, and generally live badly. To save means to distribute your funds correctly in order to avoid unnecessary expenses, to distribute money wisely and not to waste it on trifles. Also in this article you will learn how, using the techniques of specialists, to accumulate cash.
You need motivation to get started., that is, the goal: why do you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article we have already written about having a small salary). Or do you need a good repair in the apartment?
A few steps how to learn how to save and save money correctly
To understand how to start saving, there are several stages to consider.
Namely:
- you need to divide all costs into necessary and not really the necessary, that is, superfluous or those that can wait;
- then we consider the resources for which you must definitely pay, and this is: electricity, water, gas, communication, etc.;
- then you need to calculate the cost of food, and also pay attention to your diet;
- we set aside a percentage of the money saved, so that they do not just lie, but also work.
Even if you try to postpone some 10 % (percent) of your monthly income, then in six months or a year you will have accumulated an impressive amount.
And once again we repeat the rule: you do not need to perceive savings as a limitation or a bad lifestyle. On the contrary, it will greatly improve your life.
Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk in rags. All this does not apply to saving!
2. Do I need to save on food and electricity?
Saving on food (products) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and unnecessary ones are removed.
Food costs- these are the costs that we can influence, because it depends on our desire and on our choice.
We need to figure out in which stores we buy products, by what criteria we choose these products and in what quantity.
Usually, we have extra expenses due to wrong diet, the use of harmful semi-finished products, purchases not on the list, unwillingness to cook food yourself.
This also applies to electricity: if you do everything correctly, there will be no financial problems.
Ways to Learn to Save Money on Electricity
3. How to save electricity - 5 simple rules for saving on electricity 💡
let's consider 5 simplest rules, thanks to which you will learn how to save energy.
Rule 1. Use electrical appliances correctly
For example, a charger for a phone or tablet, inserted into an outlet in vain, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to remove it from the outlet. It would seem a trifle, but our electricity is wasted.
This applies not only to mobile phones, but also to other household appliances, a multicooker, a microwave oven, a TV, and so on.
This is one of the first important rules on how to save energy.
Rule 2. It is important to use the correct cooking utensils
More precisely, for the burner. After all, a pan correctly selected exactly in size will heat up faster, and the stove will not just heat up the air. It's simple, isn't it? Probably, every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way, you can significantly save energy.
Rule 3. You need to know where to put the refrigerator correctly
Believe it or not, the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is installed incorrectly. Remember: the refrigerator will "wind" less electricity if it is placed away from the electric stove.
Of course, not everyone has large and spacious kitchens, but, probably, you can place the refrigerator so that it at least is not on the same side with the stove and does not touch it.
Rule 4. Load the washing machine with linen correctly
For whole 10 – 15 percent more electricity is consumed by our washing machine, if it is restarted, or not reloaded. Did not know? So remember! It is imperative to follow the norm of the weight of the laundry! You will also be insured against damage to the washing machine in case of overload.
Rule 5. Turn off electrical appliances at night
Many electrical appliances must be unplugged at night and even during the day when you are not using them, and even more so when you are not at home. It's not so difficult: if you left home - turn it off, why should they work in vain.
Only 5 these rules will help you save electricity in your apartment. Not difficult, right?
Here are a couple more tips for saving on electricity:
- If you decide to buy yourself any household appliances, then pay attention to its power consumption... It is clear that household appliances that use less energy are much more expensive, but believe me: in the future, this amount will pay off due to savings. And how much overpayment goes for a year!
- A very good and useful habit - turn off the light leaving the room. But, unfortunately, not everyone is able to do this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
- Better to use energy saving bulbs than usual. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
- Use a thermos it is more profitable than boiling a kettle several times, because a thermos can keep heat for several hours.
If you follow this useful, and most importantly simple tips and prompts, you yourself will see the changes in your receipts, and then in your wallet.
Consider in the article 10 tips on how to save money on food:
Advice 1. Experts believe that it is necessary to choose a product not according to its beautiful packaging, and the more expensive the better, but first you need to familiarize yourself with its composition. The high price does not guarantee high quality at all. We also pay attention to stock, discounts, and bonuses... Many supermarkets offer us such programs.
It is clear that at first glance it may seem that the difference in 5 rubles insignificant and you won't save much on it. But this is the wrong opinion of most people, because if you calculate the difference even for a month, you will be pleasantly surprised. Imagine how much you save a year?
Tip 2. We write a list of the most essential products and follow it. We buy only those products that are on the list. This way you will avoid unplanned expenses. There are also all kinds of phone apps and with them you can save not only your money but also time. All your information will be stored there, and you will not have to constantly think about these lists.
Tip 3. It is important to take with you as much money as you need. but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you simply will have nothing to buy unplanned goods. Thus, you can significantly save on products.
Tip 4. Did you know that a hungry person's brains work differently from a well-fed person? So that in order to avoid temptations, you need to go to the store full! And then you will understand that you do not need all these "snacks" at all.
Tip 5. Try not to run to the store on payday... After all, it is on this day that a person feels richer than he really is, and can spend a lot more money than he calculated. Hence, financial difficulties arise, there is not enough for anything, and by the end of the month you can be left without a penny of money.
Tip 6. Experts believe that pay better in cash, not plastic cards. Undoubtedly a plastic card- this is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it's harder to part with them.
Tip 7. Analog products - The best way save! Absolutely every product has a replacement for itself, much cheaper than itself... The main thing is to run around the shops, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to "sniff" you, something more expensive.
Tip 8. Remember! Expensive and beautifully packaged products will always catch your eye. Look better on the shelves below, "dig deeper" there, most likely, you will find a similar product cheaper than what you saw, because expensive goods will always be in sight.
Tip 9. Similar products rule also applies to other products. such as medicines. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.
Tip 10. If possible, we do not take children with us to the store! Of course, children are happiness, and sometimes you want to pamper your baby, but children rush to everything beautiful, and these products are often expensive. It is better to leave the child at home, and buy him, for example, a cheaper chocolate bar - everything is sweet for the child for joy, and you will avoid hysterics in the store.
We eat healthy, and most importantly, not expensive!
Remember, eating healthy food doesn't mean expensive, and you don't have to go hungry to save money. Quite the opposite, the costs of eating healthy are even reduced.
Healthy food, for example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what the pies and hot dogs are made of in a stall around the corner or in a nearby cafe. And here you cook with your own hands, and you know everything about your homemade food.
Here are some more tips for buying healthy foods:
- It is more profitable to purchase products by weight, rather than in their original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than by weight.
- If you buy products from the market, don't forget to bargain! And there is nothing to be ashamed of. It is important for sellers to sell their goods, and it is profitable for you to buy.
- It is better to come to the market in the late afternoon, at which time sellers significantly discount the price.
- It is better to buy the meat in a large piece, and at home it is already divided into the parts you need. For the price, such meat is cheaper than if you bought it by the kilogram.
- If you have lunch at work, then take food with you. Once again, we repeat that you eat your own food, which means that automatically, you avoid food poisoning and save on it!
- Try to create a menu for the week ahead - this will help you to purchase only the necessary products.
- First courses are considered healthier than second courses, and even more economical and cheaper!
- Compare prices across multiple stores. Do not be lazy, each store has its own feature and its own promotions.
- It is not necessary to buy expensive meat, for example, pork, because you can also cook many tasty and healthy dishes from chicken! Now on the Internet you can find a lot of recipes that suit you, and you don't have to sit and invent your own. The main thing is not to be lazy!
- Yoghurts can be replaced with kefir and fermented baked milk. Yoghurts contain all kinds of thickeners, colors and sugars. So why not replace them with a more gentle and cheap kefir for the body?
- Pasteurized milk is much cheaper and healthier than sterilized milk. Milk lasts longer in a box than milk in bags. And this is its only plus. So is it worth overpaying for this?
- Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
- Buy fresh fruits and vegetables in season, then freeze them. All nutrients will remain in them, and you will save a lot, since they are much more expensive in the winter season.
When you review your diet and follow our advice, even at the end of the month you will see a difference. And it's not only about money, but also about health. After all, all famous nutritionists and doctors remove fatty, sweet and especially fast food from food.
Using these simple rules will help you significantly save on food, support your budget, as well as a healthy mind and shape!
Important tips for saving and saving money
5. How to learn to save money and save with a small salary 💰 - 15 useful tips
First, we will look at the rules and ways to save money. And even if you have a small salary, it’s not scary!
Council number 1. Set financial priorities for yourself
After all, you must understand that your financial budget works only for you, and your financial well-being can depend only on you.
After all, waste can be done both with benefit and without it. But how, then, to understand how useful our expenses are? Let's figure it out.
A person's lifestyle is also highly dependent on his costs. For example, young people, often give in to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often stare at the goods that they rather do not need, but if your friends advised, either the advertisement is beautiful, or the fashion has gone ....
There are three types of spending- this is urgent, not urgent and not urgent at all... Try to compile for yourself a list of those and those costs, and perhaps you will understand that you absolutely do not need, and that you can cross out from the list.
Urgent waste - this is understandable, food, utilities maybe clothes and if there are loans.
Not urgent - This is a family vacation, for example, it can be postponed, or contributions to studies.
Well not urgent at all We all know very well - these are restaurants, entertainment, buying a new phone, if there is still an old one, buying expensive fashionable clothes, just because a new advertisement came out. All this can be postponed for a while, and if you reconsider, you can not spend money on it at all.
The last point is worth paying attention to first. After all, it is important to set your life priorities and understand your goals in life.
If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in studies, then it is unlikely that you have save money .
And also concerns entertainment and visiting establishments, such as coffee, restaurants, because this is not the most important thing in life.
All financially successful people keep such records. After all, with a good example, you will see what exactly brings you holes in your budget. For example, it will be a trip to a cafe, monthly such visits consume not a small amount of money, and you will understand for yourself that this can be removed.
After all, when you see all the exact numbers of your budget, and not in the way of memorization, you will be surprised how much you spent before without hesitation.
As the very famous speaker Anthony Robbins said: “ What cannot be measured, so cannot be controlled ". Remember this rule, and it will help you in achieving your personal material success.
If you still have additional income, then you need to keep records on them. After all, if there are several ways of your additional income, then accounting will help you find out which source of income is more profitable and which one you need to focus more on.
In general, now is the 21st century, and information Technology developed various programs and annexes, for maintaining financial accounting, which means that you do not need to draw any tables by hand.
You just need to try several programs, and choose the one that is closer to you in spirit, who will have a more convenient interface. Again, visibility is financial literacy... Visibility will help you identify and channel your expenses and income in the right direction.
Experts have shown that up to 95 percent Russians spend a lot more of their money on payday. And these percentages are not related to income level.
If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.
To learn how to save money and save it, you need to give up loans.
To conclude this chapter, we will give you an example of how to properly compile an expense table.
6. How to save money in a family - a table of 3 types of expenses 📊
With the help of this spreadsheet, you can track and control your budget, as well as cross out unnecessary expenses. It will help you determine how to save money and save it correctly.
A table of three types of expenses:
№ | Necessary and urgent costs. | Not very urgent, secondary costs. | Not very urgent, or just MONEY EATERS. |
1 | Food | Getting an education | Cafes, clubs, restaurants |
2 | Utilities (electricity, gas, water) | Purchase of furniture | Fast food, expensive sweets, soda |
3 | Fares, petrol | Acquisition of digital and household appliances | Gambling |
4 | Mobile communications, Internet | Expensive fashion items | Bad habits - fast food, alcohol, cigarettes |
5 | clothing | Hobby | Unnecessary connected services on the phone |
As you can see from the table, special attention should be paid to the last column. After all, even if one item is deleted from here, then you can see the result on the savings.
7. How to save money correctly 📝 - 4 ways to save money quickly
Of course, saving money is not so easy and simple. This needs to be learned, and it takes a little effort and patience. But even the most disciplined, calculating and responsible a person is at risk of making a mistake.
let's consider the most common mistakes among people, and also study advice and expert rules to eliminate these same errors.
If you have already started to accumulate funds, then this is already good. But how to save money correctly and did you choose the right way? And won't you break loose in half a year? Your strategy may not be as perfect as you think it is.
Method number 1. We postpone what remains!
So, you pay all your necessary bills, utilities, buy groceries, and all that remains is sent to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left. after all costs, and throw only the leftovers there.
Try to rebuild your technique differently. When we got paid the very first account, there should be a savings account for you. Make it a golden rule for yourself.
Calculate how much you can give to the bank in a month, and do it first. And if you can't do it, well, anything can happen, for example, there is no time, or there are some temptations in order to spend your money as soon as possible, then connect a service in the bank, by automatic debiting of money from your card of a certain amount to your savings account.
This way you can both save money and save time. And you will forget about these troubles. And then your savings account will pleasantly surprise you.
Method number 2. Where is the money kept?
As we have already learned, the savings account is great. But it is important to know where exactly your funds are stored in a bank or on a plastic card?
After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And it is quite convenient and easy to do it, just use an ATM on the street. And even if this purchase was coveted, then most likely you will regret it.
Method number 3. Each account for a specific purpose
If you have only one savings account, then you will most likely feel that everything is fine and money is accumulating quickly enough and there will be enough for all your desires. Of course. if you only save for one goal, for example car or apartment, then everything is fine, this method is for you.
But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you are already have accumulated, and what else is possible wait.
So that such problems and difficulties do not arise, you need to acquire several savings accounts. And let everyone the savings account will be designed for a specific purpose, for example, " on the car», « to the apartment», « for education», « to the dacha" etc. Rather, it is in this way that it is right to save money, since each "account" has its own "purpose".
Method number 4. Don't give up everything
You shouldn't get too hung up on postpone, postpone, postpone... There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" and good mood.
Of course, many, as we have already said, habits and entertainment should be abandoned, but this does not mean that you need to become a prude, sit starving, not go anywhere, and even sit in the dark.
When your annual savings account runs out, you should think about more serious investments and for a long time. After all, you yourself will feel the difference and want to improve your financial situation.
Tips on how to save up a decent amount of money
To conclude our article, let's look at some more 15 tips how you can save money and accumulate it quickly. Some of the tips may be repeated, but you should necessarily remember.
Of course, there is no definite set of rules and tips on how to save money correctly, but then we will consider the advice of experts who suggest using it to simplify saving and accumulating money.
So, tips on how to create savings in order to accumulate a decent amount:
Council number 1. Payment for purchases in cash
Try to pay all your purchases and expenses with cash only. So you will clearly feel the difference, and say goodbye to the money that you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.
By the way, if you buy goods through cashback services , then you can save from 1-1.5% of the purchase price. We already wrote about that in one of our articles.
Council number 2. Save money in your account
Save a certain amount to your savings account every month. At the end of a certain period, a pretty tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, get yourself a goal on which the funds you have accumulated will be spent.
Try to keep your entertainment costs to a minimum. Better spend time with your family, go in for sports. After all, there are many useful ways to replace unnecessary expenses on entertainment in cafes and restaurants, in the end, experiment with new inexpensive recipes at home. And you have good skills, and your husband and children will be happy!
Council number 4. Don't fall for promotional offers
Everything that comes into your inbox, various directories and advertisements, is just trying to seduce you. But do not give in, feel free to throw everything in the trash, or rather unsubscribe from these useless mailings that clog your mailbox.
If you have such a bad habit of buying everything, or just to buy something, then make a list of everything that you want to buy. And look through it monthly, you will see if you still need this thing, or was it just not the necessary temptation?
If you decide that you really need this product, then buy it. But most likely your opinion will change in a month.
Try to prepare food at home, do not eat in restaurants. It will cost you a pretty penny. You don't have time for lunch at home at work, and you rush to the nearby cafe for a quick snack? Think about it!
Prepare your own lunch in the evening at home, there are special food containers in which you can reheat in the microwave. This will allow you to save money on restaurants, and also agree that you know your homemade food. It's also healthier.
Try to spread your money into envelopes: "for a communal apartment", "for a loan", "for food", "on a phone" and so on. And your expenses will always be planned out.
Council number 8. Discuss upcoming expenses with family
Discuss material matters with your spouse every week. You need to make sure you are aware of each other's waste. And cohesion, let it be for success!
Distribute all costs in a table, see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!
Council number 10. Pay the required bills first
First we pay all the necessary bills, then we look at the need for other expenses.
Council number 11. Replace paid hobbies, hobbies, etc. for free
If you go to the gym or do fitness, then this hobby can be replaced by exercise and jogging outside in the park. Both useful and free!
Council number 12. Give gifts made with your own hands
You can also save on gifts. After all, the best gift is a handmade gift! You can find a lot of ideas on the Internet now.
Council number 13. Buy analogues of branded clothing
Remember, money is not happiness. And including, not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than "branded" ones. In addition, fashion comes and goes, and then things are unnecessary.
Council number 14. Use exchange services
Try bartering. That is, exchange services and things. After all, it is much more profitable and will help you save good money!
Council number 15. Use e-wallets
Try to save money on virtual wallets such as qiwi, yandex money, webmoney. It will take time to withdraw money from there, so you will be insured against unforeseen and unplanned purchases.
In addition, you can earn a pretty penny on the Internet, money is also withdrawn to these electronic wallets.
9. Superstitions and omens for raising money ☯
Folk signs about money:
- Never lend on Monday, otherwise you risk losing all your money!
- Never betray money from hand to hand, it is better to put it on the table and then take it. And then the negative energy of a person through money can pass to you.
- If you are borrowing to another person in the evening, then just put the bills on the floor, and let him pick them up. And it is better to remember that it is better not to lend in the evening.
- You need to repay the debt only in the morning and in small money.
- When you are given a debt, keep a fig in your pocket on your left hand.
- Keep your money in your wallet carefully, in an expanded form and so that it is distributed to different bills.
- Store paper bills with the front side facing you.
- So that the money does not go to waste, put a piece of the tree from the swallow's nest in your wallet.
- If you made a good profit, then take one bill from there and keep it in your wallet, do not spend or change it.
- If you decide to give a wallet to someone, then put one money there so that the wallet is not empty.
- To keep money in the house, put a coin in every corner and say: "Let him come to my house."
- Keep your money in red envelopes or bags.
- Get yourself a money tree and take good care of it.
- Money loves to be counted. Always count your change.
- Never spend every penny, make sure that there is always money in your wallet and remains.
- If you have a newborn in your home, put money under his pillow.
- Count your money on Maundy Thursday.
- Try to get your nails cut on Tuesday or Friday.
- Never discuss the material income of other people, otherwise there will be no people of your own.
- Do not treat the rich and the poor with hatred, otherwise you yourself threaten to remain in shortage.
- If you saw that a cat or a cat is reaching out, then this is profit.
- If you saw an angry or hissing cat in a dream, then this is to steal. Be careful!
- Be sure to get yourself a dog or cat at home, otherwise there will be no prosperity in the house!
- There is such a sign that a black cat or dog will protect the house from thieves.
In order not to need anything in the new year:
- Meet the New Year in new socks and underwear. And don't forget to get yourself a new hairstyle.
- Try at table seven various dishes and put seven coins under the chair.
- It is necessary to repay the debt before the New Year, you can even at the festive table.
- When the first strike of the chimes occurs, make a wish by squeezing a coin in your left hand.
- Throw a coin into the champagne glass and drink it. And then make a hole in this coin, and wear it as a pendant.
- On the morning of January 1, wash yourself with water and coins.
Superstitions that should never be done:
- Place empty bottles on the table.
- Sit down at the table.
- Putting bills on the table.
- Revenge trash at sunset.
- Standing on the doorstep.
- Whistle while at home.
- Exchange big money for small money.
Well, believe it or not, but many people observe and follow all these signs. The signs came from our ancestors. Most importantly, we can conclude that you need to treat money. carefully, neatly, do not crush them, do not flap... Do not spend all the money, the wallet should not be empty.
10. Conclusion + video 🎥
From this article, we can conclude that saving and saving money is not so difficult, because in order to improve your financial position, you do not need to perform any grandiose feats. You just need to reconsider a little your attitude to finance, and in general to your life.
And remember one main thing, there should not be a crazy amount of money, in order to feel in a good financial position, there should be just enough money.
Good and stable financial situation- this is not at all millions of dollars in earnings, every person and every family can have a good financial position, even with the smallest salary. The main thing is to manage your finances correctly... When you yourself figure out your income and expenses, then you yourself will understand everything.
As an illustrative example, you will see how much you spend per month, what is superfluous in your life and what you need to give up. This is not all that difficult, the main thing is to manage your life correctly, not to collect loans, and if this has already happened, then get rid of them as soon as possible. Then not only your financial situation will change, but a healthy mind will wake up, there will be a great mood every day, since you will forget about at least half of your financial problems.
Let's hope that all these tips will be remembered and most importantly useful. After all, as you already understood, saving- this is not the worst thing, but rather, on the contrary, useful, which will make your financial and personal life easier and better!
We hope that this article helped you find answers to your questions - how to learn how to save money with a small salary and at the same time accumulate it. We wish you successful savings, and good luck in all your endeavors!
Tell me, are you also trying to increase your earnings by $ 200, $ 400 or $ 700 per month? And when this succeeds, you are surprised to find that free money in fact, it has not increased, and expenses have increased proportionally. Well, you are not alone in this - most people have this problem. But good news in the fact that in fact, at any level of income, you can be financially successful - that is, spend less than you earn. Let's think about money is painless and how to start the path to financial freedom.
Step one is the most important
You can dream for a long time to wake up rich one day, imagine, visualize ... But without your concrete actions it will be a waste of time. The first and foremost secret of all the rich is to always spend less than you earn.
It is very simple to follow this: make it a rule to save 10% of any amount that falls into your hands. Get a separate one and no doubt and no reasoning - save money! That way, you'll pay not only food, clothing, and entertainment vendors every month, but yourself as well. You can't even imagine how much calmer and more confident you will feel in life.
So, you have 90% of the income left. And it comes ...
Step two: how to save money
We all want to live here and now, receiving benefits and joy from life. Fear of refusal, of infringing upon themselves most often keeps people from saving. But there are many ways to save money almost invisibly.
1. Protect yourself from unnecessary expenses!
Impulse buying is a huge chasm where a lot of money flows. They bring a moment's joy, and then only a smack of regret about wasted funds remains. You can protect yourself with a few simple tricks:
Put a bright sticker in your wallet with the words: "Do you really need this?" This phrase helps to save 70% of funds from rash spending. Just do not forget to periodically change the color of the sticker and the text of the question, so that the attention is not "blurred".
Never buy expensive items right away. Take a time out: one day of deliberation for every price.
2. Save on your daily purchases!
Saving money on food is a great way to save between $ 50 and $ 200 a month.
Make a list before going to the store. This simple rule helps you avoid distractions and only buy what you really need. After all, so often we go to the supermarket just for bread, and spend ten times more along the way. Just following the list will help you painlessly avoid this.
Don't shop on an empty stomach. This hungry person buys 30-40% more food than he really needs. Almost all the food in the store seems delicious to him! Therefore - first eat, and then spend money.
Dislikes semi-finished and prepackaged foods. Just do the math: loose goods and self-prepared food are about 30-40% cheaper than their semi-prepared and packaged counterparts.
3. Beware of buying novelties and custom products!
How do you save money on this? It's very simple: wait a couple of months for the hype for a freshly released model of a phone, TV or other technology to subside. The price always drops by an average of 30%, but the quality of the goods remains the same. The same thing happens with the "product from the shop window" - manufacturers sell it at a significant discount.
4. Get rid of unnecessary pathos!
Tell me what is more important to you - to go or checkers? What overpayment do you make for things of a famous brand, a status car or a watch? Check it out for yourself - there are many things that you can buy for half the price without losing quality.
If you stubbornly choose only expensive brands for yourself, not agreeing with your real ones financial capacity, then this is already a reason to think - is everything all right with your self-esteem and self-confidence? Maybe in this way you are trying to buy yourself inner well-being? But this is a separate topic for conversation.
So, we showed the most simple ways how to save money. Try to form these new habits that all rich people have. This is not difficult. But it is guaranteed to improve your life!
Content
Optimizing your budget is important for any person, because it is the key to confidence. How can you learn to save money and save up for big purchases if you have a family and a small salary? There are several ways you can learn to live frugally while avoiding major waste. Compliance simple rules will help every modern person to feel confident, have a cash reserve, get rid of loans and debts.
How to save money correctly
Many people face the problem of lack of funds. To avoid this, you should be responsible for your budget and any expenses. But the secret of how to learn to live economically and save money is not known to everyone. First of all, it is worth remembering that the quality of your life will not deteriorate from the correct allocation of the budget. There are many effective ways to optimize costs, and you can set aside the saved money for buying a car, resting or repairing.
What can you save on
What items of expenditure can be cut |
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Savings methods |
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Utilities |
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Food |
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Personal car |
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Clothes and footwear |
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Personal care and sports |
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What to save on
There are expense items that cannot be cut:
- Health. Timely access to a doctor, the use of the services of professionals, disease prevention will help to avoid serious spending on treatment.
- Proper nutrition. There should always be fresh vegetables, fruits, dairy products on the table.
- Refusal from cheap clothes and shoes. Quality items will last much longer.
- Cosmetics. Cheap products can contain harmful components and harm your health.
- Toys. It is better to save on their quantity, but not on safety and quality.
- Wellness rest. It improves the condition of the body and human intellectual activity.
- Education. If there is a craving for new knowledge, it is worth using all available training opportunities.
How to learn to live frugally
In the life of every person, sooner or later there comes a time when it is time to learn how to save. Budgeting and budgeting can help you avoid financial problems. The reasons for learning to save can vary: a sudden layoff, maternity leave, planning to buy a car, an apartment, or paying for university tuition. At first, giving up the habit of spending money is not easy, but if you approach this task correctly, you will be able to reduce unnecessary costs and save up to 40%.
Cost control
In order to force yourself to stop wasting money, it is recommended that you take all your expenses under control immediately. To do this, start a notebook or install a special program on your computer: "Home Finance", 1C: Money. Everything should be recorded there, even the smallest expenses. The essence of the saving method lies in the ability to plan, to see clearly which item of expenditure “eats up” large sums of money.
Monthly budgeting
Learning to plan is important. At the beginning of each month, outline your budget. First of all, take into account the obligatory payments on loans, for an apartment, Kindergarten eating children at school. After that, it will become clear how much you have left for food, clothing and entertainment. For convenience, envelopes can be used. If you plan and live within your means, then your budget will no longer be threatened by holes that there is nothing to cover.
Avoid unnecessary purchases
The job of marketers is to influence the human psyche and bring obvious benefits to manufacturers and trading companies. For example, women who run into a supermarket for milk can easily buy unnecessary items, succumbing to emotions. To avoid unnecessary spending, you need to remember the following rules:
- use cash instead of plastic cards;
- for large purchases, set aside a whole day or several hours;
- make a list of the goods you need;
- do not take extra money with you;
- if you did not plan a large-scale purchase, take a basket instead of a trolley in the supermarket;
- do not go shopping with children.
How to learn to save money
If you manage your money correctly and develop the healthy habit of saving it, any financial goals will be achieved much faster. Modern people prefer to take loans instead of learning how to save and save. However, piggy banks help to collect a large sum for a vacation or a serious trip, even if you put it off. small amounts daily, weekly or once a month.
Reserve for unforeseen expenses
You should always have a financial reserve in case of unforeseen expenses. Otherwise, you will have to borrow money or take out loans, and this will only aggravate the situation. Too much attention and large sums of money for the reserve are not needed. Even with small incomes, the accumulation of funds is quite realistic. You need to learn how to save about 10% from wages and other income. It is not worth taking money from the nest egg for everyday expenses, if the “very moment” has not come when the child suddenly fell ill, the refrigerator broke down, or you need to pay for education.
Setting aside money for vacation
So that your vacation does not turn into an unbearable loan debt for you and does not hit your family budget, you need to learn how to save money for it in advance. You have several months to regularly save and save a certain amount. To save money for vacation, you need to set a specific goal, taking into account income and expenses, personal wishes and regularly replenish the reserve. Play in advance with prices, calculate how much money you will need for housing and flights, if possible, find ways to save money ("Fellow travelers" service, housing in the private sector, etc.).
Opening a deposit account
A cash pillow of at least three of your salaries is ideal. Savings will be needed in an emergency, such as being fired, injured, or an important major purchase. In addition to ways to learn how to save money and save money, it is worth remembering about banking products. Deposit programs of different banks will help not only save, but also receive passive income.
It is recommended, if possible, to learn from your salary to save monthly on a deposit of 5 to 30%. This should be done immediately after receiving the amount, until the funds are spent. It is more profitable to withdraw savings after the end of the deposit term, so as not to lose interest. For more confidence, you can keep your money in different financial institutions.
How to save money with a small salary
Those with a modest salary can also learn to save. It will not be superfluous to find a source of additional income to feel more confident. Simple rules of economy will help you learn to live without severe restrictions and at the same time never be left without money. To do this, you need to correctly prioritize, avoid expensive stores, do not resort to obtaining loans, follow supermarket promotions, use cashback services and discount cards.
Financial priorities
In order to have enough money for all the main areas of life, you need to learn how to allocate finances wisely, excluding unnecessary spending. The list of expenses includes the following types:
- Priorities: food, utility bills, loans.
- Secondary spending: savings for vacation, investment in education, the formation of a cash reserve.
- Not urgent: buying clothes from fashion brands, electronic novelties, visiting restaurants, leisure.
Cancellation of loans
Talking about how to learn how to save money, first of all, it is worth living within your means. In no case, do not make spontaneous large purchases on credit or at the expense of borrowed funds from friends. Even if you soon have additional source income or financial receipts to the budget are planned, you always need to rely only on yourself and your wallet. Borrowing the required amount is easy, but giving it away is more difficult. In addition, loans provide for a tight repayment schedule, large overpayments and penalties for delays.
Use of discount and discount cards
One more good way save money significantly - learn how to buy clothes, food, household goods constantly in the stores of the same network. Almost all trade enterprises today offer their customers discount cards, which are used to accumulate points. It will be possible to spend bonuses to pay from 30 to 100% of the cost of purchases, which will save a lot of money.
Optimization of communication costs
The telecommunications market offers Russians a huge range of services. The competition between the companies is great, so each operator periodically launches promotions, special offers, new tariff plans. If you are concerned about the question of how to save money, then it is definitely worth revising this expense item. Unnecessary subscriptions, mobile applications and other services with a monthly fee should be disabled. You do not need to pay for more Internet, minute packages or SMS on your mobile than you are using.
How to learn to save your family budget
Typically, people start saving money when they have a family. Marital and parental obligations greatly increase the responsibility and needs of citizens. In addition to increasing income through part-time work, it is worth thinking about how to reduce the costs of the family budget. Saving money doesn't mean lowering your standard of living. On the contrary, a competent approach to the distribution of funds will help improve your well-being.
If you don't know how to save money in your family, then you need to start small. For example, it is worth giving up bad habits and products. Small spending on chocolates, chips, cigarettes grows into huge amounts. In addition, optimization of utility costs will help to save the family budget. There are several important things to consider that you will get a significant reduction in monthly spending and the ability to save more money.
Energy Saving Technologies
If you are determined to learn how to save money, then be sure to tackle such an expense item as electricity. Special metering devices and modern household appliances will come to your aid. Saving the family budget for electricity is made up of compliance with the following rules:
- Replace ordinary bulbs in your home with energy efficient ones. They last much longer, practically do not heat up, consume less energy. On average, such a lamp has a service life of three years, so using them, you will save about 600 rubles a year.
- When leaving home, always turn off the lights in all rooms. In order not to forget this rule, write notes on the front door. As a result, you will have to pay much more for electricity at the end of the month. less money than before.
- When choosing household appliances, give preference to class A + appliances. Use the devices strictly according to the instructions. With A + or A ++ class appliances, you can learn to save energy and your money, but for this it is important to use the devices correctly.
- Unplug TVs, computers, chargers from the mains. In standby mode, the technician actively consumes electricity, and you lose your money.
Installation of counters
If you want to learn how to save money, but still do not use metering devices in your home, then immediately put meters on gas, water and other communications. The fact is that housing and communal services, in the absence of such devices, count payments to citizens according to generally accepted standards. As a result, much more money is spent than if there are meters in the house.
Saving money on food
Learning to save money is, first of all, giving up harmful products. Such a measure will have a positive effect not only on your budget, but also on the health of the whole family. Buy products by weight. When buying goods on the market, try to bargain. Instead of semi-finished products and sausages, buy fresh meat. Sometimes it is more profitable to buy products in bulk, for example, sugar, flour in bags of 30-50 kg.
Rejection of bad habits
Another important measure for those who decided to learn how to save is giving up bad habits. If you quit smoking and stop spending money on cigarettes, then in a month you will be able to save up to 5 thousand rubles. Fans of drinking a bottle of beer in front of the TV in the evening should also take into account that refusal to do so will return at least one and a half thousand rubles to the family budget in 30 days.
Choosing low-budget entertainment options
Regardless of how much the spouses earn, the family should periodically rest. It doesn't matter if the expensive trip to exotic countries is too expensive for you. Learning to save money is important and not always appropriate to save money for years to fly on a cruise. Consider inexpensive vacation options. The trip is necessary for a change of scenery and a pleasant time, so it is not necessary to fly to the ends of the world. An excursion in a neighboring town, visiting exhibitions, a water park, a picnic by the lake - all this will give a lot of positive emotions without hitting your wallet.
Video
Found a mistake in the text? Select it, press Ctrl + Enter and we'll fix it!There are many options for saving money with a small salary, and tips on what to do in order to survive and avoid unexpected financial difficulties. To improve your financial situation, you need to save money, learn to save wisely and make savings. It must be remembered that the person who handles it correctly has money. This article is about how to save money correctly, and what are the most effective ways savings.
Saving is an important and necessary component of modern life, which helps competent control and distribution of costs, and contributes to the abandonment of bad habits and expensive food products... Saving does not mean that you will have to limit yourself in everything and eat poorly. This means the correct distribution of your funds and the ability not to waste them.
In order to learn to live economically, you need to be patient and work hard on yourself. To live economically, you need to find a goal (motivation). For example, you save up for a large purchase: new car, housing, modern telephone, etc. Or funds are needed for the education of children. When the goal is determined, you can start accounting for the family's monthly expenses. To do this, you need to consider several actions:
- divide all expenses into necessary and unnecessary (or which can wait);
- calculate the necessary monthly expenses for the services we use (housing and communal services, communications, etc.);
- calculate the cost of food, in addition, adjust the diet;
- set aside a certain part of the accumulated money so that they also work.
It is necessary to conduct a home economy, strictly take into account how much family members earn and all expenses down to the smallest detail. This will be needed in order to know where the money from the family budget disappears and to sum up the results by the end of the month. It is necessary to draw up a table and clarify how many mandatory and optional expenses in the family:
January 2020 | |||
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Obligatory expenses | Sum | Optional expenses | Sum |
Saving | Clothes and footwear | ||
Utilities | Major acquisitions | ||
Education | Recreation, hobbies, entertainment and leisure | ||
Transport | Bad habits | ||
Nutrition | |||
Manufactured goods | |||
Medicine | |||
Phone, internet | |||
Total: | Total: |
At the end of the month, analyze your results and decide what you should save on in next month... The line "Savings" is very essential obligatory article expenses that must be properly planned in the first place. Being frugal is learning to set aside some of your income for a specific goal.
The final stage is control. With a serious approach to saving, you can quickly (after a couple of months) achieve good results and not get into a situation where you have to need money.
First you need to decide how much you can save daily, without greatly limiting your needs. Each person has different opportunities, for one it is a ruble, and for another 100 rubles. The main thing is to want to save money regularly, you should not miss a single day.
Money can be saved on food and energy conservation. This does not mean that you have to live on the brink of survival, starve and sit in the dark. With reasonable savings, all the necessary expenses will remain, we are strictly reducing only unnecessary and unnecessary ones.
We save on electricity
Five effective rules helping to efficiently use electricity:
The rule | Actions |
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Correct use of electrical appliances. | Many electrical appliances, such as a phone or tablet charger, left in a power outlet continue to waste electricity. This also applies to multicooker, microwave oven, TV and so on. |
Using the correct cookware for the electric stove. | A correctly sized hotplate heats up faster, and the stove does not unnecessarily heat up the air. Each housewife has dishes of different diameters, the main thing is to use it wisely |
Install the refrigerator correctly. | If the refrigerator is installed incorrectly, it will consume maximum energy. It is necessary to remember: the refrigerator must be placed as far as possible from the electric stove. When the kitchen is small, you can place the refrigerator on the other side of the stove. |
Load the washing machine correctly. | The washing machine uses 10% - 15% more electricity if it is overloaded or underloaded. It is necessary to follow the norm of the weight of the laundry according to the instructions, then there will be no damage to the washing machine from overloading either. |
Disconnect electrical appliances at night. | All electrical appliances must be unplugged at night, during the day when no one is using them or when no one is in the apartment. Left home - disconnect |
Energy saving lamps are one of the main ways to save
A few more tips for saving electrical energy:
- When buying household appliances, pay attention to their energy consumption. Don't buy the cheapest appliances. The cost of equipment that uses less energy is more expensive, but over time this amount will pay off in savings;
- everyone knows that when leaving the room you need to turn off the light behind you. But many people simply forget to do it. In this case, you can install infrared sensors that save energy without the participation of people and unnecessary movements;
- it is better to use energy saving light bulbs. In addition, it is practical to install bedside lamps, because they are much more economical than a three-arm chandelier;
- purchase a thermos that retains heat for several hours. Using it is much more economical than boiling water in a kettle several times.
We save on food
Five tips from experts on how to minimize food costs for the sake of economy and health:
- The choice of products should not be based on bright and beautiful packaging or guided by the principle, the more expensive the better. The high cost of a product does not guarantee high quality. It is necessary to familiarize yourself with the composition of the product. You need to use discounts, promotions, bonuses that are offered by many supermarkets.
- Make a list of the most essential products and buy them from this list. Take with you a certain amount of money you need for the necessary purchases. Do not take extra money, then there will be no opportunity to make unplanned purchases. There are special applications for the phone, with which you can save both your time and money. All information about expenses is saved in the application.
- Try not to go shopping on payday. On this day, a person can spend much more than expected. Then financial difficulties may arise. When buying a product, it is better to pay in cash than with a plastic card. Of course, a plastic card is the most convenient way to pay for purchases, but not the most economical. By withdrawing funds from the card, the buyer does not feel real money, which is spent more heavily.
- If there are similar products, it is better to buy them. Most of the goods have analogs with a cost that is much cheaper. Products with expensive and beautiful packaging always catch your eye. Look at the lower shelves, with a high probability there are similar products with a lower price. This rule also applies to drugs. Many pharmacological preparations have analogues with the same properties, the only difference is in the name and manufacturer.
- Do not take children to the store. Of course, I want to pamper my child, but children start asking for everything beautiful in the store, and these are, as a rule, expensive products. It is better to leave the child at home and buy him, for example, a chocolate bar. The child loves any sweets, and this option will help to avoid tantrums in the store.
A hungry person's brains work very differently than a well-fed person. On an empty stomach, you can buy twice as much food as you need. You need to go to the store after having a hearty meal, so as not to be tempted by various products and make purchases more economical.
How to eat healthy and inexpensively
To save money, you can introduce into the diet healthy foods especially since healthy food is inexpensive. Lean meat, dairy products, cereals are cheaper than fast food. In addition, it is not known what pies and hot dogs are made from in stalls. And the homemade food is prepared with our own hands. Here are some tricky tips on how to become a thrifty housewife and buy healthier food at a bargain:
- buy products by weight, not packaged, since the cost of prepackaged products is much more expensive;
- when shopping in the market, you need to bargain, there is nothing shameful about that. After all, sellers want to sell their goods, and buyers are more profitable to buy;
- it is economical to go to the market in the evening, when sellers can significantly drop the price;
- it is more profitable to buy meat in a large piece and cut it into pieces of the house;
- if you dine at work, it is better to take food from home. It's cheaper and more useful. By saving on store-bought meals, you can avoid food poisoning;
- effectively compose a weekly menu, this will help you buy only the planned products you need;
- compare the cost of products in different stores. Each store has its own promotions;
- the first courses are healthier than the second ones, in addition, they are also cheaper;
- stop buying expensive meat, such as pork. You can also cook tasty and healthy dishes from chicken;
- kefir and fermented baked milk can replace yogurt, which contains sugar and many thickeners and dyes;
- pasteurized milk is cheaper and healthier than sterilized milk. Milk can be stored in a box for longer than in a bag and this is its only advantage. Do I need to overpay for this;
- give up the sausage. It can be replaced by meat, which is cheaper and healthier;
- buy fresh vegetables and fruits in season. They are frozen, while all the nutrients are preserved and you can save well, since in winter they will cost much more;
- buy products in bulk. Some supermarkets consider 3 units of goods to be a wholesale purchase, their cost will be much lower than the retail one. For austerity in the family, this shopping option will be the most profitable.
Learning to save money with a small salary
What if the salary is very low? Even with a small salary, you can always live a month at 90% of this amount. There is no way to set aside more, set aside at least 10%. Make it a rule to save a certain amount every month.
Several proven life hacks on how to save and save money when modest income:
Way | Action plan |
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Set financial priorities. | Each person should understand that his own budget and financial well-being depend only on him. Each person has his own view of how it is expedient to accumulate funds. Spending can be made both useful and useless, depending on the lifestyle of a particular person. All expenses are divided into three types: 1. Urgent (food, utilities, loans). 2. Non-urgent (contributions to education or family vacations). 3. Not urgent at all (entertainment, cafes and restaurants, buying a new phone, if the old one is still working, buying expensive clothes). You can do without this for some time, and if possible, do not spend money on it at all. |
Consider income and expenses. | So you can see with a visual example what exactly is making holes in family budget... If there are additional incomes in addition to salaries, they must also be taken into account. If there are several sources of additional income, accounting will help determine which of them brings more profit and focus on it. There are now many programs and applications to help guide financial Accounting... You can test several such programs, and choose the most convenient one for yourself. |
Refuse loans. | Having your own credit card is very tempting for people who do not have extra money, but they kind of have it at the same time. So you can fall into a credit trick, which is very difficult to get out of. That's why helpful advice- do not start credit cards... If you already have loans, you can change the conditions loan agreement, for example, reduce interest rates... If a decision is made to take a loan, then it must be taken for the longest possible period. Then monthly payments will be less |
Learn to restrain the urge to spend money. | Immediately after work, you should not go to the store without a list of necessary products. This way you can avoid temptations, because marketers have 1000 ways and tricks to lure money out of buyers. Better to come home and make a shopping list, and then go to the supermarket. |
Start a piggy bank. | You can throw change, change, into a piggy bank. Over time, you can quietly accumulate a significant amount of money. |
Carefully participate in promotions and sales. | In some stores, they go on deceiving customers by slipping them out of date goods. You need to carefully study the product, pay attention to its expiration date, composition and quality |
To refuse from bad habits. | Fast food, alcohol, smoking are not cheap hobbies. Why spend money on this, and even ruin your health. You can force yourself to give up all of this. Then there will be more money in the wallet, and health and physical fitness will improve. |
It is profitable to invest money | Select reliable bank where you want to keep your funds and put money into your account with the condition to take them back at any time. This will help not only to preserve savings, but also to multiply them a little at the expense of interest on the amount. |
Install counters. | A very economical tool - meters for electricity, water and gas, which allow you to measure their consumption |
Use discount and discount cards. | For example, you have a discount card for household appliances, and your friend has a discount card for furniture. You can exchange them temporarily. It will be beneficial to both. This applies to discounts in various other stores. |
Optimize your phone and internet costs. | Sometimes a decent amount of money is wasted on mobile communications and the Internet. Many people connect unnecessary services and do not even know how much money is spent on this in a year. Often, mobile operators themselves activate different services. You need to carefully monitor the balance on your phone |
Make repairs in the apartment yourself | You can wallpaper the walls yourself, paint the floors, lay the covering, get rid of construction waste, etc. If necessary, contact specialized specialists (electrician, plumber, etc.). |
Formation of reserve accumulations
There are three useful cash management skills:
- Be able to make money. You need to find sources of income yourself, and not whine and complain about life.
- Be able to save money. Expenses should always be less than income.
- To be able to save the saved money and, by investing wisely, increase it.
Having learned how to correctly distribute money and having a useful habit of saving it, any financial goal can be achieved faster with minimal cost. Piggy banks can help you raise a substantial amount, for example, on vacation on vacation, even if you save small amounts every day, once a week, or once a month. Savings can be backed up in the following cases:
- Unexpected expenses... Such savings are convenient to have when you unexpectedly need to pay, for example, for the repair of household appliances. If there is no money in such a situation, you will have to borrow it or take out a loan, and this aggravates the situation. Large sums of money it is not required to form a reserve fund, even with a small income, it is really possible to save money. You need to start saving at least 10% from your salary and other income. You should not use money from the reserve for day-to-day expenses until unforeseen situation(a family member suddenly fell ill, and so on);
- Holidays on vacation... So that the vacation is not a burden to the family's budget, you need to collect money for it from your salary in advance. With regular savings, you can accumulate the required amount in a few months. Having set a specific goal, you should switch to austerity and systematically replenish the reserve. It is necessary to calculate in advance the amount required for air tickets and housing, and find an opportunity to save money (rent a house in the private sector, look for fellow travelers, etc.). You can wait for hot offers from travel agencies and choose an off-season option, and the use of special offers or bonus cards will help reduce ticket costs;
- Open a deposit account... An excellent option would be a financial pillow, the size of which is at least three of yours. salaries... It is possible to create an airbag with a decent amount of money that you might need in an emergency. Why are these funds accumulated:
- serious illness and injury;
- expensive treatment;
- the enterprise was closed and dismissal followed, etc.
You can use the services of banking organizations. With the help of banks' deposit programs, it will be possible not only to save funds, but also to receive passive income from them. To do this, you need to learn how to save up to 30% of income on a monthly basis, for example, on the 1st of every month. It is necessary to take into account the subtleties prescribed in the agreement and withdraw funds from the account when the term of the deposit expires in order to receive interest. For greater stability, you can store funds in several banks.
How to save a woman on cosmetics
There are two areas where women are unmatched: saving and spending money. An important rule every woman - in any situation you cannot look unattractive. An unkempt appearance will not be covered with jewelry and a fur coat. In maintaining your appearance, you also need to prioritize and calculate the cost of cosmetics.
You need to carefully choose your cosmetics and give preference to quality over quantity. The means on which women primarily spend money: perfume, lipstick, anti-aging creams. This also includes foundation, hand and foot creams, shower gels, lip gloss and contour pencils.
The best way to minimize spending is to change the shopping engine layout.... To streamline and distribute costs, you must first choose the right store. It makes no sense to purchase discount cards from many outlets. If you buy everywhere and little by little, you can get only minimal discounts.
Usually the discount system is provided to regular customers. Discount card is cumulative. When there is a certain amount on it, the discount will increase to 25% -30%, which is very profitable and convenient. By paying for the next purchases in this way, girls will spend much less money.
The law of economical spending of money is that it is much more profitable to buy a quality product and use it longer. Buying cheap things and services will lead to unnecessary expenses. You need to change your attitude towards buying things and prefer quality.
Japanese economy system
By following the Japanese system of doing the economy in everyday life, you can save over 30% of your monthly expenses. For accounting, you will need to create a special book for a year. According to this methodology, it is supposed to conduct daily control over family expenses, which are divided into 4 categories:
- Daily expenses (mainly food).
- Recreation and recreation (visiting a cafe, restaurant, fast food).
- Cultural events (cinema, theater, art, books).
- Additional expenses.
In addition, the Japanese system has many secrets and ideas that help you save and easily save a lot of money in a short time. A few practical tips on finance from the experience of the followers of this system:
- when exchanging large bills, set aside a certain part;
- postpone change from purchases. For example, if the purchases cost 1,800 rubles, 200 rubles should be put in the piggy bank. The coins that remained in the wallet should also be sent to the piggy bank;
- postpone purchases for a month. If after this time the desire to buy a thing has not disappeared, then it is not a useless purchase;
- lend money to reliable people. The money will return over time, when they are almost forgotten.
Six cans method
This method is a development of the envelope method. It is proposed to take 6 jugs ( glass jars, envelopes are also suitable) and write on them the name of the purpose for which the money from each jug will be spent:
- Operating expenses - 55%: food, utilities, rent, transportation, clothing, etc.
- Funds for financial freedom - 10%. Money from this bank cannot be spent. Use for investments and receive interest on them.
- Funds for education - 10% (tuition fees, for tutors, purchase of books, etc.).
- Reserve funds - 10%. This account is used to store a reserve fund (airbag) and for savings for large purchases. Funds in this account will allow you to be more confident, successfully survive possible financial difficulties and avoid debts.
- Funds for entertainment - 10%.
- Funds for charity and gifts - 5%.
Monthly total income distributed to all jugs. The pitcher accounts do not have to be physical. Part of the funds (especially reserve fund and finance for investment) can be stored in banking organization or invest in financial instruments.
English economist John Maynard Keynes said: “Whenever you save 5 shillings, you deprive one person of his daily earnings". Any expenses are someone's income. By saving part of his income, a person increases his well-being, but reduces consumer demand. This leads to a drop in the income of enterprises and to a decrease in the demand for labor.