The best ways to save up for an apartment. Financial literacy lessons: how to save up for your own housing? Count how much to put aside
The problem of improving housing conditions is relevant for many Russian families. However, the incomes of most citizens do not allow, unfortunately, even to plan the purchase of housing in the near future. So the question of how to save up for an apartment, today is relevant as well as earn money for an apartment.
The state of the real estate market in Russia, approximate prices
The state of the real estate market in Russia cannot but be influenced by a protracted economic crisis caused by falling energy prices and a political factor.
According to the forecasts of some experts, in 2017 a decrease in the pace of housing construction is expected. This in turn will reduce supply in the market and lead to higher prices. On the other hand, the pricing policy of construction companies cannot ignore the increase in costs due to changes in the ruble exchange rate and prices for imported equipment.
Nevertheless, the developer is still focused on the consumer, so the cost of housing for many companies remains in the range of 2015 - 2016, however, the savings are due to a slight decrease in the quality of building materials and infrastructure.
Due to the crisis, prices are even dropping. At the same time, many experts predict a serious drop in the cost per square meter, amounting to 6 - 7% and caused by:
- reduction in the purchasing power of the population;
- the desire of the developer to quickly realize the apartments and houses.
Thus, forecasts for the near future practically contradict each other.
To date, the following average cost per square meter of apartments in different regions of the country. In parentheses are the changes in prices as a percentage compared to last year.
- 106600 rub. in Crimea (- 13%);
- 96600 rub. in Sochi (+ 11.1%);
- 73 000 rub. in Khabarovsk (+ 0.5%);
- 67500 rub. in Nizhny Novgorod (+ 4%);
- 65 500 rub. in Kazan (- 0.7%);
- 62 000 rub. in Ufa (- 5.7%);
- 56 800 rub. in Rostov0na-Don (-4.8%);
- 40 900 rub. in Smolensk (-9%);
- 36 300 rub. in Maykop (- 1.3%);
- 34,000 rub. in Yelets (+ 1.2%);
- 22000 rub. in Kaspiysk (Dagestan Republic) (-20%).
In Moscow and St. Petersburg
Today, the average cost per square meter of Moscow housing is 215,000, and in the Northern capital - 105,000 rubles.
In the first months of 2017, prices in Moscow remained virtually unchanged, while in St. Petersburg they rose by 4.5%. At the same time, many developers complain about a decrease in demand. In this regard, they offer various preferential programs:
- conclude mortgage agreements with banks;
- provide discounts that sometimes even reach 20-30% of the cost per square meter;
- conduct advertising campaigns with wide bonuses and benefits.
Prices, therefore, vary several times depending on the region. In the same way, their dynamics are changing nonuniformly. Somewhere, the cost of housing is falling, but somewhere, on the contrary, is increasing.
Comparison with average salary
The average wage in the country is calculated annually. However, the resulting results of official statistics and non-governmental bodies may differ from each other.
To date, the average salary of Russians is at the level of 35,000 p. without tax or about 30,000 p. real income. This is according to the state statistical office.
The largest job search services reduce this amount to 30-31 thousand “dirty”. In Moscow and St. Petersburg, the level of salaries exceeds all-Russian indicators and reaches about 50,000 and 40,000 rubles, respectively.
Meanwhile, many people have incomes in the range of 15-20 thousand, because the data of official statistics for the country are the arithmetic average between the incomes of ordinary employees, directors and top managers of large companies.
Calculation of the approximate required amount
To understand how many years it will take to save on housing, you need to weigh your family budget and monthly expenses. Some statistics are not appropriate here, because all this is strictly individual.
Nevertheless, there is a pattern according to which an average family of three people will need to spend about 40,000 rubles for a normal stay in Russia. monthly. If you set yourself the goal of saving money, you can, for example, refuse summer vacations and some entertainment. This will make it possible to save another 5-10 thousand. This money not spent can be saved in a bank account by opening a deposit for this with the possibility of adding funds.
- putting aside 2000 p. per month into the account at 10% per annum; for 5 years it is possible to accumulate 156209 and 413279 - for 10 years;
- if you increase this amount to 5000 p. and have a contribution on the same conditions, you can accumulate 390523 for 5 years and 1033197 for 10 years;
- in order to save up for the purchase of housing for 10 years, you need to save at least 10,000 r. per month, as a result of which 2066394 rubles will be on the account.
Once again, it must be emphasized that these indicators vary greatly depending on the needs of the person, his health. Many families, even having good incomes, cannot save for their housing for years, as they are wasteful or, for example, forced to spend money on renting an apartment.
To reduce the time to raise money, you need to save. In fact, it is not as simple as it might seem at first glance. Nevertheless, there are several recommendations that allow you to raise money a little faster.
- It is important to carefully plan your family budget, consider the need to buy expensive items, and try to regularly save at least several thousand each month.
- It is worth giving up a number of entertainment: going to restaurants, summer trips, relaxing in clubs and the like.
- Every day, people spend large sums on the difference between little things and bad habits. If you refuse to meet at a bar with friends in the evenings, buy coffee and chocolates during work breaks, you can save more money on a new apartment.
- A lot of money goes to transport. You can save by refusing to ride in a car to work and home, using transport only when there is a great need. Gasoline is expensive today, so the savings will be substantial.
Of course, these savings options are far from the only ones. If you think a little and carefully weigh your family budget again, other various ideas may come to mind.
Revenue Increase Options
In addition to saving, you can think about how to make more money. It may turn out to take a higher position or find another well-paid job, so you should definitely talk with your boss and regularly monitor the dynamics of the labor market. You can get a part-time job on the weekend, do Internet copywriting, write term papers or dissertations to order, become a taxi driver.
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- jewelry;
- antiques;
- old books, music records and so on.
And again, in order to come up with some kind of a profitable option for yourself, you should find free time in order to think about it in a relaxed atmosphere.
Investment Options
For a more efficient accumulation of money, the deferred amount must be used, taking into account the existing risks and possible results.
For example, a bank deposit gives a small percentage, which, at best, will offset inflation. But the credit institution guarantees the safety of funds.
A mortgage is a possible option for buying a home. Nevertheless, before you put yourself in a debt hole, you should carefully weigh the pros and cons.
Mortgage lending is an extremely unprofitable program if the money is provided not on preferential terms. In Russia, in general, loans are not very beneficial for the consumer, since in our country, compared with Europe and the United States, inflation is quite high, and the interest rate on the loan cannot be lower than this value.
For greater clarity, you can give an example. Let's say an apartment costs 3 million rubles. A mortgage loan is provided subject to a mandatory down payment - usually 15%, that is 450 thousand. Consequently, the bank lends 2.5 million rubles. If the loan term is 10 years, and a 13% bank rate is imposed, then the bank overpayment as a result will be about 2 million, that is, almost the entire cost of the loan. So, in our opinion, it’s better to save yourself than to overpay the bank.
However, a significant plus of the mortgage is that with the help of a bank loan, a person immediately becomes the owner of his home. In principle, the cost of paying a loan can be reduced by renting one of the rooms or even the entire apartment. However, debt bondage cannot be beneficial for a person, because it is a banking service, and the credit institution itself receives all the benefits from it.
Examples of calculating the accumulation of an apartment for a certain amount of time
Let’s try to figure out how many years it will be possible to save up for housing if you have certain incomes.
- Salary of 20,000 p. unlikely to delay more than 5000 p. per month to a new apartment. This will give 60 thousand a year and it is not difficult to calculate that, putting aside so much, it will be possible to accumulate at least a million in a one-room apartment in at least 15 years.
- With a salary of 30,000 p. it will be possible to save half this amount, if, of course, there is enough money for living: food, clothes, payment of utility bills, rental housing, and so on. Nevertheless, 180 thousand a year allows for 10 years to gain almost 2 million, and this at today's prices is enough for a good "kopeck piece" in the province and a one-room apartment on the outskirts of Moscow.
- With a salary of 50,000 p. with some savings, it is quite possible to set aside 30,000 p. per month. or, accordingly, 360 thousand a year. Thus, in 4 years, one and a half million will be typed, and in 8 years - three.
All these figures are given without taking into account inflation and bank interest charges, so they can be considered approximate, but quite reflecting the necessary time frame for buying your own home.
How can you save on buying an apartment
Pursuing the accumulation of a sufficient amount to improve housing conditions, you can take care of finding an economical option. So, due to what you can reduce the price:
- secondary housing is cheaper than new;
- you can find a living space that does not require repairs;
- the price is significantly reduced due to the distance from the city center, the criminal situation in the area, proximity to industrial facilities and so on.
Buying a secondary home also allows you to bargain with the owner, so after a careful inspection you can try to bring down the price by pointing out the owner of one or another shortcoming of the exposed housing.
Greetings to readers! Many are interested in how to save money for an apartment and collect the necessary amount? This is a rather complicated process, which can last several decades.
But it manages to be accelerated, in this material the basic nuances and rules for creating savings will be considered.
The main aspects of accumulating funds for an apartment
The accumulation of funds consists of two components:
- Monthly deposit of a certain amount that remains from the salary.
- Saving savings from inflation.
But is it worth spending so much time accumulating when you can now get a mortgage and move to your own home? It all depends on the circumstances, often this option is justified and has many advantages.
You will have to overpay for a loan and this is the main disadvantage of working with banks. For example, the rate is 15 percent, the repayment period is 15 years.
By simple calculations, 225 percent is obtained, that is, you could buy not one apartment, but three, taking into account all payments for these years.
But do not expect to quickly collect the necessary amount if you do not have a huge income. Get ready that even in the best scenario, this process will take at least five years, so you have to be patient.
How to save part of the salary?
The main reason for the constant lack of money for many people is their high needs. They grow along with income, no matter how much you get, funds will still not be enough if you do not learn to control costs.
- First of all, start keeping a family budget, taking into account all income and expenses. You will have to spend part of your salary only on really necessary purchases, refuse to visit restaurants and cafes frequently, or purchase not very necessary things at the moment.
- Calculate how much is required for a full existence and try not to exceed it. Everything that remains of the family budget should be converted into savings. The more you can save every month, the faster you will achieve your goal.
- Do not buy too much. Deny yourself the things that are not needed at the moment. If there is free money and there is nowhere to spend it, then set it aside from the wallet in the general savings.
- Create a consistent budget and stick to it. Prices do not rise so significantly, so that a review and recount of the amount of existence can be carried out twice a year, taking into account the current situation and the cost of basic goods. Do not exceed the established limit, this should be the main rule for you.
- Never take even a small amount from savings. They must become inviolable, consider that they simply do not exist. If you allow this once, then in the future, the use of savings for other purposes will become a habit.
- The main thing is to set the goal correctly. You must be fully aware of why you are going to meet all these restrictions and what the outcome will be. The goal will begin to deter you from the temptation to buy something extra in the store and will speed up the process. But you need to understand for yourself how important it really is. Is buying an apartment worth cutting back on?
- If it is difficult for you to control expenses, then you should exclude contact with savings at all. It is better to create a deposit, without the ability to withdraw cash throughout the term. When you do not have access to funds, then unnecessary expenses are excluded.
- Refuse to pay by credit card. It creates the illusion of the ease of this process, because you do not give your own money, but simply make a few keystrokes. But people who have been using cards for a long time understand that the numbers on the bill are the same means.
It is important to realize the value of finance. In order to protect yourself from unnecessary expenses, you need to think about how much you had to work. Greed is present in every person, and when you realize the whole burden of making money, you don’t want to give money away.
How to save the accumulated?
The main enemy of any accumulation is inflation, which gradually leads to their depreciation. When you already have a certain amount, you should think about where it can be to extract additional income.
The easiest option is. The interest is not too high, but the risk of financial loss is minimal. You can compensate for inflation and save money so that they do not lose value.
Now you know how to save up for an apartment and save money from inflation during this process. If the material was interesting to you, then share it on social networks.
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P.S. For refinancing loans other banks pay attention to the offer Ural Bank for Reconstruction and Development (UBRD) in the amount of up to 1,000,000 rubles. at 13% per annum.
The bank also provides the opportunity to apply. online consumer loan applications with a rate of 11% for up to 200,000 rubles. only by passport (with a statement of income up to 1,500,000 rubles).
Hello, dear readers and subscribers of the business magazine website. Own apartment is a guarantee of independence and space for many actions. In Russia, the housing issue is quite acute, many people even after 18 continue to live with their parents for a long time.
In the article, we will consider how to save up and earn money for an apartment for 1-3 years, what should be followed and what should be avoided.
From the article you can find out real ways to save and earn money for an apartment and where to start + examples.
How to save and earn money for an apartment for 3 years and a year: expert advice
To quickly achieve any results, you must first familiarize yourself with the experience and advice of previous people. This section contains tips to help speed up the accumulation process.
No. 1. Take care of self-organization
Saving for an apartment is not difficult. The main thing is to learn how to organize yourself: work efficiently and save properly. These 2 most important components allow you to achieve any goals in 3 years, not only buy real estate.
Self-organization includes:
- Improving work efficiency;
- Cost control;
- Financial literacy;
- Time management;
- Competent investment of funds.
This minimum set of skills allows you to quickly save up for an apartment and generally improve your financial condition.
No. 2. Change your mindset
The rich get richer, the poor get poorer. All people are initially the same in capabilities, the question is who knows how to think and act correctly. In this section, we will describe the habits that we need to get rid of and which we need to acquire.
To get rid of:
- Bad habits. Smoking and drinking take up a significant portion of finances. This also includes clubs, cafes, bars, etc.
- Pessimism. Entrepreneurship is a risky business and it is impossible to do without mistakes. In the end, only calculating optimists who don’t give up after the first failure win.
- Uncertainty. If you want to achieve a result, first plan everything, then act decisively and without stopping. This is the only way to succeed.
Learn:
- Analyze your behavior and spending. Any errors can be avoided if you learn to evaluate the performed actions from the outside.
- Planning. Any successful businessman will confirm that it all starts with a simple to-do list for the day. Just a list of tasks increases productivity by 25% in 5 minutes.
- Regular sport. Daily physical education increases brain productivity and reduces stress levels, this allows you to make all decisions more rationally. Just run 30 minutes a day.
- Reading of books. Any work has a useful thought and message. Only 10 minutes a day will leave a significant precipitate for the future.
In general, if you learn these 4 skills, you will notice that they have become much more productive. And financial enrichment first of all begins with expansion of knowledge.
Number 3. Create strict rules and don't break them
Each family experiences difficult moments and behavior during this period affects monetary stability. One of the easiest methods: make rules for yourself and strictly follow them. For example:
- Do not go to the store without a list;
- Always keep records;
- Plan costs;
- Do not take money from the business budget;
- Do not spend money on extra purchases;
- Always save 10%.
Everyone should make a list of restrictions on their own and. This not only disciplines, but also helps to significantly reduce costs.
Number 4. Act, stop sitting idle
After reading many of them, many of them will be inspired by the idea, plan and forget something. Such people never succeed, if there is no action, then the result is also absent. All read methods will really work only if they are followed.
No. 5. Do not listen to envious people and do not be afraid of mistakes
At the first stages it will seem that the task is complex and overwhelming. This happens to everyone, for sure there will be pessimistic friends who will try to dissuade or knock off course. To buy an apartment you need to save
No. 6. Don't be lazy
At the end of the article, a way to achieve the goal is described. In the end, it all comes down to devoting 1-2 hours a day to additional activities. If you spend time on unnecessary classes, then there is no point in talking about any additional earnings.
Number 7. Save but don’t forget to look for new income
Saving is a useful skill and it helps to save up to 50% of the cost. But if you want to achieve the best results, learn to save and increase income at the same time.
6 working ways to earn money for buying an apartment for young people.
How to make money on an apartment: TOP-6 ways of modernity
There are various ways to buy without a mortgage. Each of them will lead to the final result, it is only necessary not to give up.
No. 1. YouTube
Video hosting has long moved from the category of entertainment to a large platform for the production of media content. According to statistics, after 1 year of hard work, a blogger reaches 15-50 thousand rubles a month.
The main task in this business is to guess with the direction and interest the audience. There will be spectators - an advertisement will appear. For the effective development of the channel:
- Think of a content plan;
- Release videos regularly;
- Regularly improve the quality of the material;
- Advertise;
- Look for sponsors.
Find your niche that will appeal to viewers. How to do business on YouTube is a separate topic of the article, but in general it comes down to attracting the attention of the public and retaining views.
No. 2. Instagram
Media personality develops simultaneously in many sources. Instagram bloggers get no less than the rest, already at 10-50 thousand subscribers You can make money in commercial posts. As a rule, Instagram is promoted simultaneously with another source of income.
According to statistics, advertisers consider the norm of $ 1.5-2 for 1000 subscribers. Based on the calculations with 20 thousand subscribers for one post, we get $ 40, which is about 2000 rubles. For a month, 4 orders and 8-10 thousand in the wallet. The main thing is to learn correctly, choose advertisers and competently communicate with the audience.
Number 3. Freelance
Civilian labor is quite profitable and stable. On the Internet the most demanded:
- Designers
- Programmers
- SEO optimizers;
- Copywriters;
- Site Administrators.
It is enough to devote 1-2 months to learning a specific task and you can enter the exchange. Master the skills of site administration or backend development and you can significantly increase revenue.
Number 4. Investments
Large millionaires do not work around the clock, part of their income comes passively. Investing in 100,000 you get 1000-5000 monthly. But the problem is that to start, you must first save up finances.
No. 5. Resale of Chinese goods
Simple and effective method: buy goods abroad and sell more expensive. The question is what you need to learn how to sell and negotiate with suppliers.
No. 6. programming
The 21st century is a time of active development of technologies; there are not enough programmers and there is a great demand for them. To become a specialist, you need to graduate from a university, but for a freelance exchange, a monthly course is quite enough, and then it's a matter of practice. The main thing is to be able to find customers and do the job well.
In programming, a simple rule applies. The more skills, the higher the pay. They don’t look at education, more important practical skills and experience.
Number 7. SMM, SEO and online marketing
The Internet has become an indispensable part of modernity. Sales are made through a global network and, according to statistics, they bring excellent income. But competition in the market does not allow anyone to get into the field. Therefore, companies need specialists who will bring their goods to search results, promote accounts and increase sales.
How to save up for an apartment: TOP-7 working ways to make money on housing
The above methods are associated with modern methods, they have appeared relatively recently and are far from suitable for everyone in nature and sphere of interests. Therefore, we suggest that you familiarize yourself with the methods tested by time.
No. 1: Mortgage - simple but long to pay
If you need to quickly move to real estate (there is nowhere to live and work), then a mortgage is an indispensable item.
If - look for extra income. Regardless of whether you are managing payments or not, you will need finances to close debts anyway.
No. 2: We rent someone else's housing
The method is similar to resale of goods. We find someone else's housing and conclude an agreement with the owners. If the condition of the premises is good, then we are immediately engaged in resale. In another case, we first repair, create favorable conditions and rent housing.
No. 3: We develop our business within the city
The Internet has one of the leading positions, but people need to eat, repair equipment, etc. Engage in the development of their business within the city of residence, and the Internet will be a great addition to attract attention.
If there is no money to start at all ( you need at least 50-100 thousand), then you need to start with the service sector. Exchange skills and knowledge for money.
No. 4: Own website
The information business is completely tied to advertising, from one blog you can get $ 1000 per month. But such revenues are possible after hard and regular work: the choice of topics and content filling. The process is not complicated, but the blog will begin to generate stable income in 6-12 months.
No. 5: IIS
Many are interested in how to make money on an apartment without having their own. If your property is not there, then you need to put it off. As you know, banks offer deposits at 6-7% per year. Given inflation, these percentages are not enough to cover costs.
The government goes to meet citizens, they offer to draw up and after 3 years receive a tax deduction. More about this was written in past articles. Unlike a bank, you invest in shares of companies and receive dividends from this; a yield of 10-15% per year is considered the norm.
No. 6: Trading
Professional stock trading allows you to get rich in a short time. But for this it is necessary to learn how to analyze exchange charts and predict the course movement. Unlike other investments, the trader works with small amounts, but for small periods: day, week.
According to statistics, 90% of traders lose their initial capital within 3 months. This is due to haste and unwillingness to analyze risks in detail. If you want to become a trader - take 2-3 months to learn the techniques and techniques before entering the exchange.
No. 7: Seasonal and situational business
Within the city, the entire services market can be occupied on an ongoing basis. Instead of competing with the giants, it’s easier to make a breakthrough in the seasonal direction. In June - an entertainment agency, in September - sales of office supplies, etc.
Is it realistic to save and earn money for your apartment if there is no housing and without a mortgage
The above methods are known to many. But the question is how to use the knowledge gained. For a preliminary calculation, we take the amount of 3 million rubles, with this money you can buy normal apartments.
Option No. 1: Term for 1 year
Total there are 365 days or 12 months, which is approximately 52 weeks. Consequently, 250,000 should be set aside per month. For most Russians, this is an excessive amount and it is difficult to get to that kind of money in 1 year. And any business in 1 year is just beginning to reach a stable profit and recoup costs.
Option number 2: Accumulate for 3 years
It is extremely difficult to accumulate in 1 year, especially without preliminary savings. If we increase the period by 3 times, then we get 36 months and 83 340 r / month. . This is already close to reality, but still extremely difficult.
Option number 3: 10 years
This is a sufficiently long period and one must be patient in order to be able to independently save savings for a long time. But now the monthly costs of only 25,000 are already close to reality.
You can save, but is it necessary?
If there is no highly profitable business, it will be difficult and long to accumulate independently. In the best case, the average salary will have to be postponed 25,000 monthly.
If you don’t have your own home, then it’s more advisable to apply for a long-term mortgage. But if real estate is acquired simply in addition to the main one, then it is enough to simply put off and not violate the deadlines.
Real examples of accumulating money to buy your home.
How to save up for an apartment with a salary of 20,000, 30,000, 40,000 rubles per month + examples
Unfortunately, the issue of housing in Russia is quite acute. Many people want to live in comfortable apartments, but because of working conditions they cannot afford it. After all the above tips, we suggest that you familiarize yourself with the accumulation plan for a period of 5-10 years. During this time, it is quite possible to create your own business and promote it to the required volumes.
Follow the tips from the first paragraph of the article. To accumulate, you must first change your thinking and perception.
Start by planning
You can not put things off until tomorrow, for a week and a month. If you act, then only immediately and without stopping. In the coming week, choose the direction in which you will develop:
- media (Internet, YouTube. social networks);
- investments (IIS,);
- career / add. skills (programming, SEO, freelance, marketing).
No one forbids trying in all areas, but the greatest success is achieved by a person with a narrowly focused specialization of his activity.
After determining the general vector of development, specify the specialization, methods of generating additional income: which channel will you develop or which shares you are investing in.
1 year - we start and get used to the pace
To make sure of the idea, we will carry out planning with a salary of 20,000. A family without a child takes part in the experiment, both spouses work 40 hours a week and can allow no more than 2 hours a day for their business (in the evening after work) + days off.
The total income of 40,000 rubles, and of which 30 is spent on food, clothing, payment for services, etc. Only 10,000 are free per month. These are the minimum conditions for the start, which must be provided. Suppose you have to move to relatives and refuse all paid services.
The husband, in addition to the main work, decides to maintain a YouTube channel + instagram + blog. The first month he studies the field, gaining knowledge and plans content. On development, he sets aside 5,000 monthly (advertising, copywriters, equipment).
Wife decides to do freelance. The first 3 months he studies hard and hard, but does not pay for his work. In the future, she recruited her customers and now pays for her expenses.
By the end of the year, the family was accustomed to a similar pace of life. As a result, the husband brings an additional + 30 thousand, the wife also (for a year you can untwist up to such numbers).
2 year - expanding
If the start was successful, then now we need to expand the scope of activities. An excess of 20,000 is invested monthly in the IMS and shares of the company are repurchased with a 12% forecast stable annually.
- 20 thousand per month \u003d 240 000 per year
- 12% dividends \u003d 28 800
Additional income has now become the main area of \u200b\u200bactivity (this often happens). And now the family can afford a better paid job or continues to develop in the role of entrepreneurs.
Experienced freelancers are often invited to young companies for a good salary. They may agree or continue their passion.
3-5 year
After 3 years, IIS can receive a tax deduction. There have already accumulated about 1 million + tax exemption. You can buy odnushka or continue to save.
Error assumptions
In the above calculations, we took an example with a minimum salary of 20,000. If the spouses receive a total of\u003e 100 thousand, then the deadlines are different and they will achieve their goals faster.
But this does not change the essence of the plan. In the first year, spend time and money on expanding your basic income so that you have something to accumulate with.
Conclusion
How to save and earn money for an apartment - this issue will be relevant for a long time to come. The methods described above explain everything that is necessary to achieve a result. But in the end, it doesn’t matter what kind of additional business to do - everywhere you get income. The main thing is to learn how to save, allocate your time and bring what you have started to the end.
To find out how long you can save for an apartment, consider a simple example. Suppose the cost of the apartment you are saving for is 2,000,000 rubles. Your salary is 40,000, you can save half a month and deposit money into a bank account at 8% per annum. Suppose you have already accumulated 100,000 rubles. We take into account today's inflation rate of 2.5% per year. We enter the data in the calculator: in order to save up for housing, it will take you 7 years, and the cost of housing at the time of purchase will be already 2,400,000 rubles.
Obviously, to save up for an apartment faster, you need to save more money every month. For example, if you start to deposit 25,000 rubles on a monthly basis, then save up money for 5.8 years. There are two ways to increase savings:
- Save on running costs;
- Make more money.
How to save up for an apartment faster
You may not notice how you spend more money than you should. Usually people save on meaningful purchases and do not pay attention to small expenses, but they are the ones that prevent them from increasing the size of their savings. Suppose your salary is 40,000 rubles. If you rent a house for 12,000 rubles, then you have 28,000 rubles left. per month or 903 rubles. On one day. Thus, the purchase of a gift for 1000 rubles. for a friend’s birthday exceeds your daily budget, although it would seem that this is only 1/40 of your salary. Minor expenses, such as take-away coffee, a taxi to the house, buying a magazine, are serious obstacles to savings.
Calculate your budget. Consider the mandatory expenses (rental housing, utility bills, deposit payment, money for travel, etc.), subtract them from the salary. Subtract 10% from the amount received - this will be the accumulation. Divide the remainder by the number of days in the month. This is your daily budget: if you exceed it, then spend less in the following days until you get a plus.
Long gone are the days when housing was provided to citizens for free only because they worked for some time at a state-owned enterprise. Today, young families in solving the housing problem can only rely on their own strength and the help of relatives.
For those who have no one to help, there is only one way out - to save for an apartment or at least a room on their own. We’ll talk about how to do this faster in this article.
How to learn how to save money?
To start saving money for an apartment, you need to. To do this, you will have to carefully analyze how much and what you are spending. It will be easier to do this if you start a notebook and write down all your expenses in it for a month.
Having studied the expense items, you should immediately begin to optimize them. In fact, you can save on almost everything - products, clothes, utilities.
Go to the grocery store with a shopping list and a limited amount of money, don’t just pour water and turn off the lights, buy clothes at seasonal sales, give up bad habits and you will immediately feel that by limiting yourself a little, you can fully live and save some salaries for the purchase of housing.
If you set a goal to save up for an apartment, save a certain percentage (10%, 20%, 50%, 70% ..) from any income received.
Where to keep the savings?
It makes no sense to keep your savings "under the pillow." Firstly, there is a great temptation to get some amount from the piggy bank for the purchase of things that are not necessary for life. Secondly, this money will be a dead weight and will not bring additional income, and given that merciless inflation decreases the purchasing power of money every year, it is unlikely to save up for an apartment for 3 years or even 7 years.
You definitely need to take the opportunity to increase capital. The easiest and most reliable way to make money generate risk-free income is to open a bank deposit. In this case, you can expect to receive 10-12% per annum. Yes, the profit is not as large as we would like, but given the fact that deposits in banks worth up to 1.4 million rubles are insured by the state, this is a good option.
Attention!When choosing a bank, be careful! Make sure he is a member of the Deposit Insurance System!
More risky investments (stocks, mutual funds, bonds, etc.) can bring more income, but this is in theory. In practice, you can lose your money.
Is it possible to save up to an apartment with a salary of 30 thousand rubles for 3 years?
Is it possible to save money for an apartment in 3 years, earning 30,000 rubles a month? To answer this question, it is enough to calculate how much you can save if you save half the salary for three years: 15 thousand rubles x 36 months \u003d 540 thousand rubles. Is there enough money to buy an apartment? Unfortunately, this amount will not be enough to purchase housing, even in a provincial outback, not to mention a large city.
But in the majority of cases this money will be enough for a down payment on a mortgage. If you approach the choice of a loan program with utmost responsibility, take advantage of all available benefits, and soberly assess upcoming expenses, then a mortgage will become the most affordable option for buying real estate.
How to make money for an apartment?
As you already understood, it is unlikely to buy an apartment for cash with a salary of 30,000 rubles. To earn money on housing, you need to earn an order of magnitude more.
The easiest option is to find additional work. More difficult is to master a rare highly paid specialty. The list of the highest paid professions in Russia traditionally includes: IT specialist, auditor, programmer, oil and gas industry specialist.
Another real way to earn money for an apartment is to work on a rotational basis in the North.
As you know, the oil and gas, construction and forestry sectors are developing there, therefore, vacancies for drilling rig operators, assistant drillers, engineering staff, and geologists are constantly open.
The salaries of such specialists vary between 80,000-100,000 rubles. If you manage to get into some large company (Lukoil, Gazprom, etc.), then you can save up for an apartment in 3 years.