How to save money: tips and recommendations. How to learn to save and save money in the family? What can save money on? Category "Financial Tips: How to save money to give up alcohol
Money is the thing absolutely necessary in life. Few someone is enough, but even in small amounts you need to be able to dispose. Therefore, it is very important to learn how to save money.
In this article we will tell you how money can save and how to spend them. You will also learn how to save on transport and appearance.
How to learn to save money?
How to save money on transport?
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How to save in appearance?
Oddly enough, it saves appearance quite real without prejudice to the latter. To do this, you need to use the following techniques.A solid amount is regularly spent on hair haircut. Save and ask your friends to a familiar hairdresser. By inviting him to my home, you will be able to save about 40% of the total amount. Agree, good savings.
Rules of economical shopping
Watch out for sale in stores. It can be a dear store with good things, in such stores there are often sales. So you can buy the desired thing much cheaper. However, before you go for sale, decide what exactly you want to buy and look for this thing purposefully. Otherwise, you risk from buying what you absolutely do not need.
Economical Healthy Lifestyle
As a small bonus, let's say that a healthy and proper lifestyle helps to save very well. After all, both alcohol and cigarettes, you agree, are not noone. Especially if you take the amount in a few months. Refusing bad habits, you can save an impressive amount of money. But the most important thing is to become healthier, and therefore happier.
As you can see, saving money is not so difficult, if seriously set this purpose. It is even fascinating, because it allows you to control your life, gives the right to choose.
If you are sure to plan the budget and save money is very difficult, then think again. Now there are many ways to save a dollar or two. You can easily save even hundreds, if not thousands of dollars every year. For this, just need to use simple methods presented below.
1. Get the piggy bank
Cleaning pockets from trifles every day is a good way to save money. Perhaps it will seem like a children's occupation, but over time you can accumulate a really decent amount.
2. Use coupons
This is a good way to save money on household goods and food. You can cut them out of your Sunday newspaper or go to a special website and print the desired coupon from there.
3. Ride a job with a friend
Sharing car saves many money on gasoline. Plus, so you apply less harm to the environment.
4. Eat several vegetarian dishes every week
Chicken and beef mince cost quite expensive. Try to cook spaghetti without meat or vegetarian lasagna and save a few dollars in this way.
5. Call your insurance agent
It will take you literally a few minutes. When you do this, you can ask the agent about current offers. Many of them have discounts, but you will not be able to use them if you never know about it.
6. Turn off the light
Recently, people have begun to understand the need to save electricity. But it is always helpful to remember that you need to turn off the light in the kitchen, if you are in the bedroom, and vice versa.
7. Visit charitable shops
This is a great place to buy clothes, things for home and even furniture. You will be surprised by the high quality items sacrificed people.
8. Learn to polish furniture
If you know how to do it, you can give the second life with your old furniture. In this case, you do not have to buy new furniture or pay for designer services.
9. Buy designer clothes on eBay
If you love designer clothes, but you want to save money, you can look for her on ebay. There are many auctions every day, so you can purchase really good things at reasonable prices.
10. Find a neighbor on the room
No matter how old you are. Room in the room will help you save a significant amount for rent. If you are worried about joint space, make sure your new neighbor is a mature person who will respect your personal belongings.
11. Go around Gardening
Growing your own vegetables, you will spend less money on food.
12. Avoid hiking in a cafe and restaurant to eat
Of course, you will not be able to completely abandon such a pastime. But do not forget that food prepared at home will help you save a lot of money in the long run.
13. Buy a used car
Buying a car that was released a year or two ago is a much better financial decision than if you were inserted money to a new car.
14. Grow your own greens for cooking
Small beds with greens easily grow. You can even keep them inside the house or on the windowsill. It will not only help you save a few dollars throughout the year, but you will also see that such greens taste is much better.
15. Buy Handmade Gifts in Etsy.com
This is an excellent online market that offers many masters. You can find exclusive ornaments and accessories at affordable prices.
16. Refuse alcohol
A bottle of wine can be a very pleasant end of a long working day, but alcohol is quite expensive. Refusing him, some people could save thousands of dollars a year.
17. Subscribe to bonus cards for gasoline
Many grocery stores collaborate with filling stations. The gas station can offer you a discount on gasoline for every hundred dollars spent in the store. Explore all the shops in your area not to miss such a good opportunity.
18. Try not spending anything throughout the day.
You may be surprised how difficult it is to spend all day and not spend money. Try, and you will see, whether you do it well.
19. Return to your natural hair color
If you spend a significant amount of hair coloring, try to return to your natural color. This will help save a considerable amount.
20. Use GROUPON or similar sites
This and similar sites are a great way to save money, because you can find coupons in a restaurant or free movie tickets.
21. Order water in the restaurant
Some restaurants are asking for exorbitant amounts for the "cola", not to mention the cocktails. If you become ordered ordinary water, and it will be in a habit, you can save significantly throughout the year.
22. Learn to sew curtains
If you find out how to do it, you can save hundreds of dollars on the furniture of your home.
23. Buy wholesale
Buying things you constantly use, wholesale, and not retail, in the long run will save a lot of money.
24. Print photos yourself
Instead of spending money on gasoline and get to the printing house, and then pay and for the seal itself, do it at home using cartridges. They cost quite expensive, but you can get considerable benefit from them.
25. Visit the library
Why buy books if you can take them for free in the nearest library.
26. Use all milk
There is nothing worse than to translate is produced, especially milk. Make sure you buy it exactly as much as you need this week.
27. Use general prescriptions
Now you can find many recipes that are available in general. You can use them, just first consult with your doctor.
28. Use e-books
You do not need to have a gadget to learn from it. You can simply download a special program on your computer for free and read books with it. It is much cheaper than buying paper books, and you can read everything you want, regardless of where you are.
29. Use first class tickets if you have a lot of baggage
Payment for the high weight of baggage today can cost even more than tickets to the first class. But if you fly first class, you can carry part of the baggage for free. Often it is much cheaper.
30. Repair things, not buy new
Very often the replacement of the broken part is much cheaper than buying a new thing. For example, buy a new clock battery is significantly cheaper than new hours.
31. Buy a water filter
Filter water is much more efficient not only in terms of savings. So you get environmentally friendly water. This can not be said about bottles with water.
32. Make influenza vaccination
The disease can significantly empty your wallet, so much better take care in advance. In addition, it will save your work from Avral because of too long sick leave.
33. Train your dog
Training your favorite is a pretty simple case that does not take you too much time. But the trained dog will not spoil you furniture, shoes or floor, so you will save money.
A good, high-quality pair of shoes can serve you for 10 years, while cheaply wear out very quickly, and you will have to buy one more.
35. Learn to say "no"
To speak «no» Regularly - this is a good way to save money. Refusal to buy multiple chocolate bars every time you come to the supermarket ticket office will help you save a few dollars a day and a few hundred per year.
36. Dry the underwear in the air
If you use clothes ropes instead of an electric dryer, you can save on electricity.
37. Protect your property
It is very simple and cheap to buy a power filter or a lock for a bike. But in the long run, this will help you save your belongings from robbers.
38. Use tariff plans for the phone
It is much cheaper than the use of communication services under the contract.
39. Do not buy a new technique
Multiple repaired technique has the same guarantee as new, but it costs much cheaper.
40. Learn to sew pants
This does not require a sewing machine. You can really make it manually and save money that would spend on the tailor.
41. Deliver letters yourself
If you know that you will see mom or girlfriend, give them a congratulatory letter to them personally and do not pay for mail services.
42. Exchange things
Children love to engage in this, so take an example from them. You can exchange clothes and accessories in which you no longer need with your friends.
43. Make a pizza at home
For the money you pay for the delivery of pizza, you can buy ingredients for a few and prepare yourself.
44. Use credit cards that offer a bonus program.
You will be returned the percentage of purchasing cash.
45. Buy neutral clothes
If you have black, white or gray things in your wardrobe, you can easily combine them with any outfits. To stand out, you can use bright accessories that cost much cheaper than a bunch of bright clothes.
46. \u200b\u200bDo regular exercises
It will help you to stay healthy and not spend money on a visit to the doctor.
47. Organize picnic
Or stroll through the beach. You can find more dozens of entertainment in your city that will not cost you a penny.
48. Buy Permanent Stamps
This means that you can use them without surcharge when the price of them will rise.
49. Subscribe to the bonus program in the airline
If you use a sufficient mile, the next flight can be completely free for you.
50. Read Personal Blogs on Financial Management
You will be able to find many famous bloggers who share their thoughts with others, and also give advice on saving money.
There are many reasons why people spend more laid. This may be because they are not aware of their true habits for expenses. Whatever the reason if you want to save, you need to disassemble your habits and stop spending money. What do I need to do?
Find out the reason for your expenses
In many cases, spending money is associated with emotional and psychological triggers. If you get rid of them, you will disappear the temptation and the possibility of recalculation.
- Time of day. If you have noticed that you have more energy during certain periods of the day, then visit the stores at a time when you are not subject to stress. You will make a more reasonable choice and consider the purchase more rationally if you are relaxed.
- Wednesday. There are certain places where you want to spend money. For example, fairs, shopping centers and so on. Avoid such places or take a little money with you.
- Mood. If you are upset or concerned, you go to the shopping center or go to your favorite online store, it is better to choose a gym or park instead. Go for a walk or make some kind of exercise to raise your mood.
- Pressure pressure. If you can not afford to eat, go shopping and relax, how your friends do, reject their invitations - ok. Instead, offer them something that will not require you a lot of money. It is important to surround yourself with friends who will support you when you work on your financial goals.
- Lifestyle. If you are accustomed to a certain way of life, it may be difficult to abandon it when you come across financial difficulties. Your upbringing also affects your lifestyle. If you have grown in a family in which it has always been difficult with money, you can feel the desire of disaster recalculation to compensate for everything you lost in childhood. Similarly, if you grew out where the money was not a problem, you can feel forced to spend money that you do not have to keep the lifestyle to which you are accustomed.
Track your expenses
The smallest purchases can overlap on each other, and by the end of the month you may encounter a shrinking bank account and serious remorse. Tracking costs is the key to a successful budgeting, as it keeps you from responsibility for each ruble that you spend. Once you learn where your money goes, you can choose reasonable expenses and identify areas that can be reduced.
Many consumers start tracking big expenses, but it is also important to pay attention to small daily purchases. Morning coffee, lunches and other spending can affect your budget.
Pay cash
It is more convenient to use a credit card for paying purchases, and not count the number of bills, but this convenience is one of the reasons for excessive recalculation. With cash, you physically see how much you have, and how your tools are reduced with each purchase. Paying only in cash, you can make yourself spend just what you have.
Forget your credit cards
When you go to the mall or in a grocery store, take the same amount that you need. You do not need to take credit cards with you. So you will avoid temptation to use it at the time of purchase, which is often the fastest way to fall into debts.
Set short-term financial goals
The establishment of some achievable short-term financial goals is a great way to remain motivated. So you can change your habits for expenses. The presence of these goals will constantly remind you of the reasons why you reduce costs and make sacrifices.
But it is important that your goals be concrete. A common goal, such as "reducing nutrition costs, will not help. Quantitative goals, such as "I will reduce the cost of meals from 6 thousand per month to 3, gives you a direction to achieve the goal.
Some short-term goals that will help you:
- save 10% of each salary;
- bring lunch to work every day within a month instead of feeding in cafes or automata.
Regardless of what your goals are, it is important to place them somewhere as a reminder of what you need to strive for.
Learn how to save money
The lack of an expense plan may be the reason why many people cannot stop spending money. If you do not know how much you get every month and how your expenses are developing, you will continue to buy what, in your opinion, can afford. To solve this problem, it is important that you have learned to save.
Start with the summation of all sources of income, then recalculate all your fixed costs, such as car payment, rent, debt repayment, etc. As these values \u200b\u200bare fixed, they are easier to recoup. Then list variables, such as products, gas and entertainment. If you spend more than you earn, you will have to reduce costs.
Give each ruble task
Find "House" for each ruble in your budget so that there is no temptation to make thoughtless purchases. So you will with a smaller probability spend the whole salary.
Did you find a violation?
Last updated: & nbsp 18.02.2020
Reading time: 14 min. | Views: 37396.
Hello, dear readers of the site site! Now we will analyze all proven ways, 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 your life even better, but in most cases we do not allow our finances, or rather, our small salary.
Unfortunately, in our modern world, you need to learn not only to make money, but also to know how to save them and correctly distribute.
Today we consider different trees How to save money with a small salary, how and what to do so that financial difficulties do not find you surprise, and there were no problems with finance.
To improve your financial situation (learn how to save and save money), just just follow the simplest rules, and then you will not have financial problems! Remember: Money come to the one who can handle them correctly!
So, from this article you will learn:
- Whether to save on food, electricity, etc.;
- How to save electricity;
- How to save on products;
- How to learn to save money and save with a small salary - proven ways;
- How to accumulate a decent amount;
- Folk signs about money.
In detail how to save money with a small salary in the family, as well as how to save them, read further in the article
The first thing to remember is: savings -this is not the worst in life, but on the contrary, the very important and necessary phenomenon in our modern life. Savings will help you competent, clever and right control and distribute your costs refuse From harmful food and habits for the body.
Very often, we appear, at first glance, petty, but but constant expenses that seem to us "trivial", but in fact create good holes in our budget.
To learn how to competently and properly save , you need patience and work on yourself. But then then you will understand what unnecessary costs are, and you may learn to incorporate funds and make money on it. If you want to know what you can make money, then our article "" - to help you.
Save - this does not mean that it will have to deny themselves, there are bad products, and it is generally bad to live. Save - it means to distribute your funds correctly, to avoid extra costs, wise money to distribute money and not spend them on trifles. Also in this article you will learn how to accumulate cash with the help of specialist techniques.
To begin with, you need motivation, that is, goal: For what you need to save, and most importantly, how to start it. Maybe you want to buy a new car or apartment? (In a separate article, we already wrote about, with 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 right
To understand how to start saving, you need to consider several stages.
Namely:
- need to divide all costs for the necessary and not really Necessary, that is, extra or those that may wait;
- then we consider the resources for which you need to pay, and this is: electricity, water, gas, communication, etc.;
- then you need to calculate the costs of products, as well as pay attention to your power mode;
- we postpone the percentage, with saved money, whatever they just did not lie, and also worked.
Even if you try to postpone some 10 % (percent) from its monthly income, then for six months or a year you have an impressive amount.
And once again we repeat the rule: you do not need to perceive savings as a restriction or bad lifestyle. On the contrary, it will help to significantly improve your life.
Remember: You do not have to infringe upon yourself, you will not walk hungry, sit at home in the dark, saving light, or walk in hoops. To save it all do not relate!
2. Do I need to save on food and electricity?
Save on food (products) is not at all sitting hungry, and save on electricity - does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and unnecessary are removed.
Food costs - These are the expenses for which we can affect, it depends on our desire and from our choice.
It is necessary to figure out what stores we buy products, which criteria choose these goods and in what quantity.
Usually extra expenses from us appear as a result. not right Power modes, the use of harmful semi-finished products, buying no on the list, unwillingness to cook food yourself.
This also applies to electricity: If everyone competently do, there will be no financial problems.
Ways to learn how to save money on electricity
3. How to save electricity - 5 simple rules of savings on electricity 💡
let's consider 5 simple rulesThanks to which you learn how to save electricity.
Rule 1.Proper use electrical appliances
for example, Charging for the phone or tablet, inserted into the rosette wasted, continues to spend our electricity, and we can not even pay attention to such a trifle or just forget to take it out of the outlet. It would seem that a trifle, and our electricity is invested.
This applies not only to mobile phones, but also other household appliances, multicooker, microwave, TV and so on.
This is one of the first important rules as you can save electricity.
Rule 2. It is important to use the correct dishes for the electric stove
Or rather speaking for the burner. After all, correctly selected precisely in size in the size of a pan, will heat up faster, and the stove will not just heat the air. Everything is simple, right? Probably, each mistress has frying pan and large houses and small. The main thing is to use them correctly! In this way, you can save electricity to significantly.
Rule 3. Need to know where to correctly put the refrigerator
Do not believe, but the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is wrong to put it. Remember: The refrigerator will be less "to wind" electricity if it is supplied away from the electric stove.
Of course, not all of all large and spacious kitchens, but probably you can put the refrigerator so that he would at least be on one side with a stove and did not touch her.
Rule 4. Load the washing machine with linen needs correctly
On integers 10 – 15 Percent more electricity consumes our washing machine if you restart it, or not to be out. Did not know? So remember! Need to keep track of the weight of the lingerie! You will also insure the breakdown of the washing machine in the case of overload.
Rule 5. Disconnect electrical appliances for the night
Many electrical appliances should be turned off from the outlet at night and even during the day when you do not use them and even more so when you are not at home. This is not so difficult: I left the house - turn off, why should they work.
Only 5 These rules will help you save electricity in the apartment. Not difficult, right?
Here are another couple of savings on electricity:
- If you decide to buy some kind of household appliances, then pay attention to its power consumption. It is clear that household appliances that use less energy is much more expensive, but believe me: In the future, this amount will pay off due to savings. And how much is the overpayment for the year!
- Very good and useful habit - turn off, leaving the room. But, unfortunately, not all this is given and many people just forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
- It is better to use energy-saving light bulbsrather than ordinary. It is also worth thinking about the bedside lamps, because it is economical to use them than a three-zeros.
- Use the thermos It is more profitable than to boil the kettle several times, because the thermos can save heat for several hours.
If you follow these useful, and most importantly by simple tips and tips, then you will see changes in our receipts, and then in your wallet.
Consider in the article 10 Soviets how to save money for food:
Tip 1. Experts believe that choosing the product is not necessary for beautiful packaging, and the more expensive, the better, but you must first get acquainted with its composition. High price does not allow high quality guarantees. We also pay attention to shares, discounts, I. bonuses. Many supermarkets offer us such programs.
It is clear that at first glance it may seem that the difference in 5 rubles Alignment and a lot on it will not save. But this is the erroneous opinion of most people, because if you calculate the difference even in a month, you will be pleasantly surprised. And imagine how much saving per year?
Tip 2. We write a list of the most necessary products. And follow him. We buy only those products that are in the list. So you will avoid unplanned expenses. There are also all sorts of apps for the phone, and with them you can save not only your money, but also time. There will be saved all your information, and you will not need to constantly think about these lists.
Tip 3. It is important to take so much money with me as you needBut no more. Then you will be able to avoid extra expenses. Take a certain amount with you, Calculate it to be enough for you only on the necessary products, and then you just have nothing to buy not planned goods. Thus, it is possible to significantly save on products.
Tip 4. And you knew that the hungry person's brains do not work as well as well? So, in order to avoid temptations, you need to go to the store! And then you will realize that you do not need all these "yummy".
Tip 5. Try not to run to the store on the day of salary. After all, it is on this day a man feels richer than he really is, and can spend much more money than he has been calculated. From here and financial difficulties arise, there is not enough for nothing, and by the end of the month you can stay without a penny of money.
Tip 6. Experts believe that pay better cash, not plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, but it is harder to part with them.
Tip 7. Products - the best way to save! Completely every product has a replacement much cheaper than he himself. The main thing to run to shop, see and find this analog. You need to learn not to succumb to the temptations of marketers, because they will always find a way to "lie" to you, something more expensive.
Tip 8. Remember! Dear and beautifully packaged products will always come across the eyes. Look better on the shelves down, "smoothing" there, most likely, you will find a similar product cheaper than seen, because expensive goods will always be in sight.
Tip 9. The rule of similar products also concerns other goods, for example, drugs. Most drugs have analogues with the same healing properties, often they differ only by the title and manufacturer.
Tip 10. If possible, do not take with you in the store of children!Sure, children are happiness, and sometimes you want to pamper your baby, but the children rush to everything beautiful, and these products are most often expensive. Better leave the child at home, and you yourself buy him, for example, a chocolateer cheaper - the child is still sweet for joy, and you will avoid hysterical in the store.
We eat useful, and most importantly is not expensive!
Remember, eat healthy food - does not mean expensive, and you do not have to hungry forced to save. And quite the opposite, the costs of healthy diet even decrease.
Healthy food, eg Cereals, dairy products, low-fat meat, cheaper fast food. Especially, it is unknown, from which pies and hot dogs are cooked in the racket around the corner or in the nearest cafe. And then you cook with your own hands, and you know everything about your home meal.
Here are some more tips for buying healthy food products:
- It is more profitable to purchase products for weight, and not in factory packaging. Packaging cereals and pasta, as well as sugar and flour, are much more expensive than for a swim.
- If you buy products on the market, do not forget to bargain! And nothing in this shame is not. Sellers are important to sell your goods, but you benefit from buying.
- It is better to come closer to the market in the late afternoon, at this time the sellers slow down the price.
- The meat is better to buy a big piece, and at home is already divided into parts you need. For the price such meat is cheaper than if you bought it in a kilogram.
- If you have a lunch at work, then take food with you. Once again, we will repeat that you eat my own cooked food, which means that automatically, you avoid food poisoning and save on it!
- Try to make menus a week ahead - it will help you to purchase only the necessary products.
- The first dishes are considered useful than the second, and even more economical and cheaper!
- Compare prices in several stores. Do not be lazy, each store has its own chip and its shares.
- It is not necessary to buy expensive meat, for example, a pork, because from chicken you can also cook a lot of delicious and healthy dishes! Now on the Internet you can find a lot of recipes that you will fit, and not necessarily sit and invent your own. The main thing is not to be lazy!
- Yogurts can be replaced with kefir and ion. Yogurts contain all sorts of thickeners, dyes and sugars. So why not replace them with a more sparing for the body and cheap kefir?
- Pasteurized milk is much cheaper and more useful sterilized. In the box, the milk is stored longer than milk in packages. And this is the only one plus. So it is worth overpaying for it?
- Try to abandon sausages, it can be replaced by meat, it is more useful, and cheaper.
- Buy fresh fruits and vegetables in the season, then you can freeze them. All nutrients will remain in them, and you will significantly save, since in the winter season they are much more expensive.
When you review your food, and you will follow our advice, even at the end of the month you will see the difference. And it's not just money, but also in health. After all, all well-known nutritionists and doctors are cleaned fatty, sweet and especially fast food.
The use of these non-complex rules will help you significantly save on products, support your budget, as well as a healthy mind and shape!
Important tips how to save and save money
5. How to learn how to save money and save with a small salary 💰 - 15 useful tips
First we consider the rules and ways to save money. And even if you have a small salary, then it is not scary!
Tip number 1. Put for yourself financial priorities
After all, you should understand that your financial budget works only solely on you, and only you can depend on your financial well-being.
After all, the waste can be done both with benefit and without it. But how, how to understand how much useful is our cost? Let's deal with.
His costs are greatly dependent on the human lifestyle. for example, young people often givend to not the desired temptation. It is clear that little life experience, but it may lead to financial mistakes. Young people who acquire things are often seen on the goods that they are not needed rather, but here you can advise friends or advertising is beautiful, or the fashion one went ....
Tracts are divided into three types - this is urgered, not urgent and not at all urgent. Try to make a list of those and those costs, and perhaps you will understand that you absolutely do not need, and what can be deleted from the list.
Urgent waste - It is understandable, food, utilities, possibly clothes and if there are loans.
Not urgent - This is a family vacation, such as it can be postponed, or deposits to study.
Well not at all urgent We are very good for everyone familiar - these are restaurants, entertainment, buying a new phone, if there is still old, buying expensive fashionable clothes, only because of the fact that a new advertisement has been released. It is all possible to postpone it for a while, and if you reconsider, you can not spend on it at all.
On the last item cost to pay attention in the first place. After all, it is important to arrange your life priorities, and understand your goals in life.
If for you the purchase of expensive clothes is the necessary part of life, rather than, for example, get an education and invest in study, it is unlikely, you have get saving .
And also concerns entertainment and visits to establishments, such as coffee, restaurants, because it is not the most important thing in life.
All people successful financially lead such reporting. After all, on a visual example, you will see what exactly brings you holes in your budget. For example, it will be a hike in a cafe, every month such visits eat no small amount of money, and you will understand for yourself that it can be removed.
After all, when you see all the exact figures of your budget, and not so, the way to memorize, you will be surprised how much you used to spend without thinking.
As a very famous Orator of Anthony Robbins, said: " What can not be measured, the wrong " Remember this rule, and it will help you in achieving your personal material success.
If you have more additional income, then you need to keep records and on them. After all, if the methods of your additional income are somewhat, then the accounting will help you find out what source of income is more profitable and what to do more accent.
In general, now the 21st century, and information technologies have developed various programs and applicationsFor financial accounting, which means that you do not have to draw some tables from hand.
You just need to try several programs, and choose the one that you will be closer in spirit, who will have a convenient interface. Repeat, clarity, is financial literacy. Visuality will help determine and send your expenses and income to the right channel.
Specialists showed that up to 95 percent Russians spend much more than their money on the day of salary. And these percentages do not relate to the level of income.
If you are able to improve your financial literacy, it will help you to change your life simply by a radical way. And you will feel it.
To learn how to save money and save them, you need to abandon loans.
In conclusion of this chapter, we give you an example, how to properly compile the cost table.
6. How to save money in the family - Table of 3 types of expenses 📊
With this table you can follow and control your budget, as well as delete the not necessary costs. It will help you determine how to save money and save them correctly.
Table of three types of expenses:
№ | Required and urgent costs. | Not very urgent, minor costs. | Very urgent, or just rehearseers. |
1 | Food | Obtaining education | Cafes, clubs, restaurants |
2 | Municipal services (electricity, gas, water) | Purchase of furniture | Fast Food, Dear Sweets, Ghazering |
3 | Payment of travel, gasoline | Acquisition of digital and household appliances | Gambling |
4 | Mobile communication, Internet | Dear fashionable things | Harmful habits - Fast Food, alcohol, cigarettes |
5 | clothing | Hobby | Unnecessary connected services on the phone |
As can be seen on the table, on the last column you need to pay special attention. After all, even if one point is deleted from here, you can see the result, on savings.
7. How to save money right 📝 - 4 ways how to accumulate money fast
Of course, to postpone money, not so easily and easy. It is necessary to learn this, and you will need a little effort and patience. But even the most disciplined, calculating and responsible A person has a risk of making a mistake.
let's consider the most common mistakes among people, as well as study advice and rules of experts To eliminate these bugs.
If you have already begun to accumulate funds, it is already good. But how to save money correctly and do you choose the right way? And do not be blurred in half a year? Maybe your strategy is not so ideal as you think.
Method number 1. What remains, postpone!
So, you pay all your necessary accounts, utilities, buy products, and all that remains, send to the bank. But notice you have no goal, and you don't even know what particular amount you have after all costsAnd throw only the remnants there.
Try to rebuild your technique differently. When they got a salary the very first accountFor you there must be a cumulative account. Make it for yourself the Golden Rule.
Count how much you can give to the bank for a month, and do it first. And if you do not work, well, anything happens, for example, no time, or there are some kind of temptations to spend your money to spend more, then connect the service in the bank automatic write-off of money From your card a certain amount on your cumulative account.
In this way, you can and save money and save time. And you will forget about these troubles. And then your cumulative account will pleasantly surprise you.
Method number 2. Where is the money stored?
As we have learned that the cumulative account is wonderful. But it is important to know exactly where your funds are stored in a bank or on a plastic card?
After all, if the money lie on the map, then there is a great temptation to spend all the accumulated funds. And make it quite comfortable and easy, just use an ATM on the street. And even if this purchase was desirable, then, most likely you will regret the made.
Method number 3. Every account for a specific purpose
If you have only one cumulative account, you will most likely seem that everything is good and the money is fast enough and enough for all your desires. Sure. If you copy only one goal, for example on machine or apartment, then everything is fine, such a way for you.
But if you have a few desires, then one cumulative account will be not enough, because you will not see specific progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you already accumulatedand what else can you wait.
Whatever such problems and difficulties do not have to get a few cumulative accounts. And let each the cumulative account will be intended for a specific purpose., eg, " on the car», « on the apartment», « on education», « dacha" etc. Rather, exactly this way to save money correctly, since each "account" has its own "purpose".
Method number 4. Do not refuse all
Do not be through the CHUR, it is so looked at that postpone, postpone, postpone. You do not need to specifically refuse things that you bring pleasure, because it is on such things that our " happy indicator"I. good mood.
Of course, many, as we have said habits and entertainment, it is worth abandoning, but this does not mean that you need to become a hanger, sit in the injignment, not to walk anywhere, and even sit in the dark.
When your annual cumulative account end, it is worth thinking about more serious investments and for a long time. After all, you yourself will feel the difference and want to make your financial position better.
Tips how to accumulate a decent amount of money
In conclusion of our article, let's consider another 15 SovietsHow can you save money and quickly accumulate them. Some of the Soviets may repeat, but you have to beforeremember.
Of course, there are no specific set of rules and councils how to properly save money, but then consider the advice of experts who offer to use to simplify savings and accumulation of money.
So, tips How to create accumulations to accumulate a decent amount:
Tip number 1. Payment for cash purchases
Try to pay all your purchases and costs only in cash. So you will clearly feel the difference, and so much with money, which keep in your hands, and this is more noticeable than spending invisible money stored on a plastic card.
By the way, if you buy goods through cashback services You can save from 1-1.5% of the purchase price. We have already written in one of our articles.
Tip number 2. Sewing money to your account
Each month is postponing a certain amount on your cumulative account. At the end of a certain period, a pretty round sum is accumulated, which can be spent on a long-awaited purchase or invest in a profitable case. And as stated earlier, get the goal of what the funds you have accumulated will be spent.
Try to minimize entertainment costs. It is better to spend time with your family, do sports. After all, many useful ways to replace unnecessary costs of entertainment in cafes and restaurants, in the end experimenting new inexpensive recipes at home. And you have good skills, and your husband and children will be satisfied!
Tip №4. Do not give in to promotional offers
All that comes to your mailbox, various catalogs and advertising, just try to seduce you. But you do not give in, boldly throw away everything in the trash, and it is better to unsubscribe from these useless mailings that score your mailbox.
If you have such a bad habit, buy everything in a row, or just to buy something, then make a list of all that you want to buy. And view it monthly, you will see if you still need this thing, or was it just not the necessary temptation?
If you decide that this product is really needed, then buy. But most likely your opinion will change in a month.
Try to prepare food at home, do not snack in restaurants. It will be in a rapid penny. You do not have at the work of time for lunch at home, and you rush to the close side of the cafe to have a quick snack? Think about it!
Cook yourself lunch from the evening at home, there are special food containers in which you can warm up in a microwave oven. It will allow you to save on restaurants, and also agree, you know your home. It is also helpful for health.
Try to decompose your money on the conversion: "On a communal service", "on credit", "on the products", "on the phone" and so on. And your expenses will always be melted.
Tip number 8. Discuss the nearest costs with relatives
Every week discuss material issues with your spouse or wife. You must make sure that in the know about all the estates of each other. And the cohesion, it would be to success!
Distribute all costs on the table, see example such a table above. Or download the application on your mobile phone, which is much more convenient! And always with you!
Tip number 10. Pay first necessary accounts
First we pay all the necessary bills, then we already look at the need for other expenses.
Tip №11. Replace paid hobbies, hobbies, etc. for free
If you go to the gym, or do fitness, then this hobby can be replaced by charging and running on the street in the park. And useful, and free!
Tip number 12. Give gifts made by your own hands
You can also save and in gifts. After all, the best gift is a gift made by your own hands! On the Internet now you can find a lot of ideas.
Council №13. Buy brand appliances
Remember, not in money happiness. And including, not in fashionable, branded dear clothes. There are many similar things, but much cheaper "branded". In addition, fashion comes and goes, and then things are not needed.
Council №14. Use the exchange services
Try to use the barter. That is, share services and things. After all, it is much more profitable, and will help save good money!
Tip №15. Use electronic wallets
Try to save money on virtual wallets, such as Kiwi, Yandex-money, webmoney. To get money from there you will need time, so you will insure, from unforeseen and not planned purchases.
In addition, on the Internet, you can also earn a penny, the money is also displayed on these e-wallets.
9. Supervironment and signs for attracting money ☯
Folk signs about money:
- Never let me go on Monday, otherwise you risk losing all the money!
- Never betray money from hand to hand, better put them on the table, and then take them. And then the negative energy of a person through money can go to you.
- If you take another person in the evening, then just put bills on the floor, and that let them raise them. It is better to remember that in the evening it is better not to give a debt.
- You need to give a debt only in the morning and small money.
- When you give you a debt, in your pocket on your left hand, keep the fig.
- In the wallet store your money carefully, in the deployed form and that they are distributed on different bills.
- Paper bills keep the front side.
- To make money disappear, put yourself in a purse a piece of a tree from a swallow socket.
- If you got a good profit, then take one bill from there and keep it in the wallet, do not waste it and do not explicate it.
- If you solved someone to give a wallet, then put one money there, so that the wallet is not empty.
- To make money in the house, put in every corner on a coin, and tell me: "Let it come to my house."
- Keep money in converters or red bags.
- Get yourself a money tree and take care well behind him.
- Money loves to be considered. Always recalculate your surrender.
- Never waste everything before a penny, follow the wallet to always be found and remained money.
- If you have a newborn in your house, put money under the pillow.
- Recalculate your money in pure Thursday.
- Try to cut your nails on Tuesday or Friday.
- Never discuss the material incomes of other people, otherwise there will be no one.
- Do not treat with hatred of rich and poor, otherwise you yourself threaten to stay in a lack.
- If you saw that a cat or a cat stretches, then this is profit.
- If you have seen an evil or hissing cat in a dream, then it is to the steal. Be careful!
- Houses Be sure to make a dog or a cat yourself, otherwise there will be no prosperity in the house!
- There is such a sign that a black cat or a dog will be removed home from thieves.
So that nothing needs to be new:
- New Year Meet New Socks and Linen. And do not forget to make yourself a new hairstyle.
- Try at the table seven different dishes and put seven coins under the chair.
- You need to give a debt to the New Year, you can even at the festive table.
- When the first kraural strike occurs, make a desire, squeezing in my left hand coin.
- Throw into a glass with champagne coin and drink it. And then in this coin, make a hole, and wear it as a pendant.
- In the morning of January 1, you will smell with coins.
Supervironment, which in no case cannot do:
- Put empty bottles on the table.
- Sit on the table.
- Putting bills on the table.
- Revenge garbage at sunset.
- Stand on the threshold.
- Whistling, being at home.
- By exchange large money on small.
Well, you want to believe, do not believe, and many people follow and follow all these signs. Signs because they went from our ancestors. The most important thing can be concluded that you need to treat money carefully, carefully, not to mine them, do not tremble. Do not spend all money, the wallet should not be empty.
10. Conclusion + video 🎥
From this article, we can conclude that it is not so difficult to save and save money, because to improve your financial situation, you do not need to make any ambitious feats. You just need to reconsider a little your attitude to finance, and in general to your life.
And remember one main thing, the money should not be crazy, in order to feel in a good financial situation, the money should be just enough.
Good and stable financial situation - This is not at all millions of earnings, a good financial situation may be every person and every family, even with the smallest salary. The main thing is to dispose of finances correctly. When you yourself figure out in your income and expenses, you yourself understand everything.
With a visual example, you will see how much a month you spend, which is superfluous in your life and from what you need to refuse. This is all not so difficult, the main thing to dispose of your life is correct, not to gain loans, and if it has already happened, then it is possible to get rid of them as soon as possible. Then not only your financial situation will change, but also a healthy spirit will be waging, there will be a great mood every day, since you will take care of at least half of your financial problems.
Let's hope that all these tips will be remembered, and the main thing will be useful. After all, as you already understood saving - This is not the most terrible 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 questions - how to learn how to save money with a small salary and at the same time accumulate them. We wish you successful savings, and good luck in all matters!
The monthly saving of money may seem incredible task, especially when inflation grows, and the rate of increase in wages is slowed down. Many people familiarize the situation when at the end of the month money practically ends, which makes the valiant citizens to use loans or lend cash from acquaintances.
For someone, this situation is inevitable, however, there are real ways to save money, without causing the inconvenience of your life.
How to save money
1. Start accumulating money in bank accounts
The problem of saving money is crossed closely with the question. If you think that you have nothing to postpone, it is self-deception. Anyone, without exception, is able to painlessly begin to postpone the monthly in the amount equivalent to 10% of its income.
But that's not the point. Believe me, if immediately after receiving your income (salary), you enroll some of the funds to the bank deposit account (deposit), you will not spend this money and, so you can save. The most interesting thing is that the remaining money is enough for the next receipt of salary.
In addition, you should not forget that interest is accrued on deposits.
2. Stop watching TV
There are many financial advantages to do this: reducing the impact of advertising that stimulates the cost of expenses, reducing electricity bills and cable television (if you select a budget TV package).
An additional advantage will be free of free time, thanks to which you can focus on more important things in life, for example.
3. Stop storage of old things and sell them.
Your balcony, pantry, garage at the cottage to the failure of unnecessary junk? Get rid of it.
Do not collect subject items of questionable value. What you can - Sell, spread with the rest. Internet sites to place ads to help you.
4. Participate in all sorts of loyalty programs.
Regardless of where you live, close to you a lot of shopping facilities, ready to reward you for shopping in your store.
5. Lighten the "30-day rule of reasonable expectation"
Many purchases, as well as solutions in life, are not committed from the mind, but from the heart. Avoiding the momentary satisfaction of the acquisition of the acquisition completely unnecessary or at all optional things is one of the most important rules of personal finance. Waiting and thinking over 30 days of buying decisions is an excellent way to implement this rule.
After a month, you can find that the desire to make a purchase has passed the same way as the rain dry in summer, and you will save money by simply by making a pause. Cool, isn't it?
13. Turn off the houses light
Savings on electricity may seem insignificant, but for a long period, there is a sufficient amount of blood and relatives.
To save the most, turn off the light every time you leave your home, leave the room or natural solar lighting is quite enough.
14. Install the energy-saving light bulbs
Such light bulbs are more expensive, but at the same time they have a much longer service life than ordinary incandescent lamps, and consume much less electricity.
You do not have to replace all the light bulbs in the house right away, you can do it as they are wear.
15. Install the programmable thermostat in the house.
If your home is heated with a boiler, the room thermostat will help reduce energy consumption up to 30%. By installing it for heating or cooling your home at the right time, you yourself make sure how to easily automate the process of saving money.
16. Buy only high-quality household appliances
When buying a new household device, it is advisable to spend time to study similar goods on the market. Reliable and economical washing machine can cost more, but if it constantly saves energy, and its service life is 15 years instead of five, then in the long run you will feel a positive effect.
17. Timely change the air filter in the car
Clean air filter will reduce fuel consumption by 7%, which will definitely affect your wallet, allowing you to remain more dense.
18. Forget about the credit card
If you started yourself the habit of getting into trouble with credit cards, because we use very actively, hide them and keep them in the safe place of your home, but not in the wallet. A credit card for emergency situations can be useful, just do not carry it with you.
19. Find a cheaper grocery store
Most of us fall into a closed circle of shopping in the same food store, and we may not even understand that there are best options.
Fortunately, there is an easy way to find the cheapest store. Just identify 20 products that you buy most often, and then take them in a variety of stores. As a result, you will define the "cheapest store", make it the main place to make purchases, and automatically save money.
20. Avoid the costs committed in order to reduce stress
It is easy to accompany expenses only to come to themselves after a stressful day at work, but it rarely happens to be the right idea. Instead of buying things, it is reasonable to find other ways to remove stress to feel better.
An excellent idea will be exercise, as well as even a good old-fashioned sleep. Read the books, see or make an evening walk, because the waste of money will not improve your emotional state in the long run.
21. Stop paying services that do not use
You monthly make the costs for using a stationary home phone, but forgotten when the last time they touched it? Do you pay the subscription to the gym or membership in a golf club that you do not attend? Every week, the postman brings you a newspaper for a paid subscription that you use to ignite the mantha at the cottage? Urgently stop such waste.
Remember that you can always resume the use of similar services later if they need them all the same.
22. Make purchases after holidays
Some ingenious people use this method after the new year or Christmas onset, but it is suitable for every holiday.
Such a pause within 1-2 days after the coming holiday, and then go to the purchases of the things you need, for which discounts and sales will be valid.
Buy your girlfriend on March 9, give her a teddy bear on February 15. Joke, but the essence you caught.
23. Become a volunteer
Volunteering is a great way to get acquainted with new people, engage yourself in a positive project without spending.
Taking organizational participation in various communities and movements you can simultaneously have fun and save money.
24. Reduce the use of washing powder
Today you can buy a highly concentrated washing powder, which is recommended to use in smaller proportions, while getting the same clean clothing at the output.
25. Retail on a reliable economical car
Reliable and economical car will save for you a round sum of money. This applies to both a decrease in fuel consumption and a rarely visiting car service.
26. Avoid shopping centers
The shopping center may be an interesting place to kill his time, but he is also full of temptation. Therefore, if you really don't need to buy something, stay away from these honeying objects.
Walk in the fresh air, a hike in a cinema is a good movie can easily replace your usual adventures in shopping centers.
27. Lighten the "Rule 10 seconds"
Every time you take a potential purchase, stop for 10 seconds and ask yourself why you want to purchase this thing and is it really an urgent need. If a convincing answer does not come to mind, put the goods back to the counter. Making such meaningful actions will necessarily allow you to save money.
28. Optimize your wardrobe
Compliance with the speed regime will allow you to protect yourself from unnecessary problems and save money.
41. A meaningful choice when buying a house
There are many reasons to buy a smaller home. You do not have to live in a gigantic mansion that requires more thorough care, cleaning, repair and heating. Purchase something more modest, and you will find yourself with a sufficient number of space and the margin of money in your pocket.
42. Change your route to work
This is a particularly powerful advice if you find that "automatically" stop on the way to work or on the way home. Get rid of this constant leakage by selecting another route that does not proceed from temptation, even if the new route is a little longer. You still save time, without stopping, and the money you will save on any unnecessary condescens that you will avoid, will take shape with time.
43. Always ask a discount
This is especially true if you buy anything on the market, and most often you will receive a discount if you ask.
44. Optimize hygiene costs
Many people have already been able to make sure that the inexpensive means of hygiene are no worse than expensive analogues. This approach can be applied to toothpaste, deodorant, etc.
45. Eat less meat
Meat is not the cheapest product, especially if you compare its nutritional value with vegetables and fruits. But even if you do not get the desire to become an absolute vegetarian, you will have to save a lot of money, simply using meat less often.
46. \u200b\u200bWill warm their home
Many houses have air leakage, which has a negative impact on maintaining coolness in summer and heat in winter, which is eventually poured into the waste of money. War down their home, and save yourself from excess costs.
47. Reduce holiday expenses
Instead of going to a long dizzy, sit in your car and make a car trip at your neighborhood.
Such a rest may be incredibly cheap and quite memorable.
If you still decided to go in, for example, why not choose a burning tour or the cheapest season.
48. Pass preventive medical examinations
It is much easier and cheaper to prevent the disease or cure it at the initial stage than to do it in the launched form.
49. Determine your budget
From the first day of the new month, keep checks for all purchases. Distribute checks by categories: food, hygiene, clothing, etc. At the end of the month you can clearly represent what your means leaves. You can save money only clearly imagining your expenses.
50. Restrictions on bank cards
Are you an active user of bank cards? In this case, you probably felt that the money sometimes ends unnoticed.
If you have problems with cash transfers, try the budget cash system at which you use a certain amount of cash for most expenses. And as soon as the amount allocated on costs ends, your expenses are terminated.
By the way, do not forget to withdraw cash only in ATMs of banks that do not charge the Commission.
Bonus 51th way. Stop moving
Thus, you can not only save money, but also, if, of course, you need it.