Rockefeller or Rothschild need to be born.Or, if you're lucky, to get an inheritance from some American uncle, who left before the revolution for a better life. For the majority of our fellow citizens, the question of how to save money, based on modest resources and opportunities, is relevant. Immediately make a reservation: the ways that can not be considered completely legal,
But jokes are jokes, but the question for many is a pressing one.And the thing is most often not in meager earnings, but in psychology. Alas, many of us theoretically know how to save money: first, to save, second, to save small amounts, but to do it systematically and regularly, third, not to spend on momentary pleasures and unnecessary things. But in practice, these qualities in themselves need to be brought up. In Russia, the misers never enjoyed honor and respect. Moreover, in our mentality there is something that makes us live in a big way, as soon as possible, rush from one extreme to another. We then work day and night, driven by thoughts only about how to save money, then we "break down" and indulge in unnecessary spending, party games, make broad gestures, we try to do all the destitute ...
There is one more problem on the way to systematicaccumulation. This is the undermined confidence of Russians in the banking system and savings banks. Many remember the default of 1998, when people have only one “pshik” from their long-term savings. And even these funds to withdraw were very difficult. Foreign banks seem to be much more reliable to us, but not everyone can open an account abroad.
And yet, how to save money, supposenormal salary? First, you should make a plan for spending. There are costs that are absolutely necessary for survival: food, utilities. Calculate how much you are spending now on these articles. The next step is to look for opportunities to save. For example, replacing light bulbs with energy-saving ones, we will pay less in total for the meter. Have to analyze daily habits. Of course, you should not give up the usual hygiene, but water can be saved when washing dishes. To do this, just do not perform this operation with a constantly open tap. First, you can soak the dirt and grease by adding detergent. With running water then it will be enough just to rinse the dishes.
The same principles can be applied to dailymenu. Simple foods (cereals, meat, potatoes, eggs) are not very expensive by themselves. Therefore, you can refuse all kinds of convenience foods, canned goods, delicacies, ready meals. Simplify your diet - it will be healthier and cheaper. In relation to all kinds of goods should also be guided by the principle of reasonableness of spending. For example, why do you need a new-fashioned "heaped up" phone if you use only two or three functions? Or "branded" sneakers, if you are not involved in professional sports? Realize that up to 90% of the value we pay for goods is the company's expenses on advertising, on fighting competition, on “prestige” and positioning.
How to save money a schoolboy who has littleself-employment opportunities? First of all, try to limit spending, for example, on games for a mobile phone, on paid SMS, on sweets. Thanks to this, the pocket money that parents give can be partially set aside. Secondly, look for available income opportunities. A teenager and a high school student may well go shopping or walk a dog during the day. Let it be a small income, but independent. Owning a computer, you can do posting on pay-per-message forums or learn how to make simple websites. There are always opportunities - enough desire and desire to use them.
