There is a joke that in our country at leastsomething stable is a salary. Everything becomes more expensive, prices are rising, and wages remain on the same level. And it is not always possible to get more income. Someone for this can not be in the right place at the right time, but someone lacks education.
In this article, you will learn how to learn how to save money. The working methods outlined below will help you start saving as soon as possible on an important and cherished purchase.
The above methodology involves working on yourself in two stages. Each of them is important and is required to perform.
First of all, remember the following two steps that must be followed:
How to do it correctly, we will understand further on each separately.
In order to understand how best to save money and save money, first of all you need to track your costs.
It will be enough just to get a notebook, inwho record your expenses for a month. For convenience, you can create a spreadsheet - this makes it faster and easier to sort all expenses into categories at the end of the month.
It will help you understand how to learn to save money and save money, the table below, which contains cost categories. Sort your monthly expenses according to her.
Category | Sum of costs |
Housing | |
Food | |
Spending bad habits | |
Connectivity | |
Purchases | |
Entertainment, recreation | |
Other |
Having filled it, you will see where you spend more money. Next, we analyze the importance and the possibility of saving in each specific category.
Начнём разбираться с тем, как научиться копить и save money from the first category. In the "housing" section should be the cost of rent (in the case of living in someone else's apartment, house), utilities. Savings at this point are possible, but extremely difficult. Of course, you can try to consume less gas, electricity and water.
This can be done in several ways.The cheapest of them is to independently monitor the timely inclusion of electrical devices that are not needed at the moment. As for water, you just need to try to use it only at the right time.
For example, when brushing your teeth, after you have filled the water in a glass, close the faucet. If we talk about personal cleanliness, then bathing in the shower saves more than 50% of water compared to taking a bath.
Also swim as follows. They opened the faucet, wetted the skin, closed the faucet. Washed up, opened the faucet, washed off the remnants of detergents, finished taking a shower.
Saving on food is also quite difficult.In no case it is impossible that fasting is the answer to the question of how to learn how to save money. The family wallet will not be more complete from this. After all, poor nutrition will only cause irreparable harm to health, requiring treatment, which will take a lot more money and nerves than saved pennies.
It is necessary to abandon frequent trips to the cafe,restaurants and other similar places where people just eat. This can be done at home by preparing something delicious. In any case, homemade food is not only more useful than restaurant food, but also saves money for the family budget.
You can do the same during the working week during the lunch break - you do not have to go to the buffet and order buns and coffee there. Take a sudochek with homemade food to work.
If there is an acute problem in money, thenbest of all is to refuse the use of harmful products. These include sweets, candies, chips, crackers, Coca-Cola, McDonald's products, etc. This list can be listed for a long time.
In times of economy, everything that hurts one’s health isobviously not something to spend your money on. Despite the fact that smoking is officially recognized as a dangerous occupation, because of which the lungs and throat are affected, malignant tumors are possible, there are fewer smokers.
And if you count the cost of one pack of good cigarettes, taking into account the fact that 1-2 packs a day are smoked, then for a month or even a year the amounts are huge.
Alcoholic beverages also do not save your budget.Besides the fact that alcohol destroys brain cells, he is able to pull the last money out of his pocket. After all, how nice it is to get together with friends in the evening and talk heart to heart over a glass.
If you refuse alcoholic beverages at all, then youFeel how much more money you have in your wallet. This is not to mention the gratitude of the body, which you get in the form of health promotion.
How to learn to save and save money? Give up all bad habits and don’t waste your time and money on them.
Every month we replenish the mobile phone bill, and also pay for the services of an Internet provider.
And it would seem that this is not a lot of money, but every month it still places a burden on the family budget. Here you can save by moving to a more optimal tariff.
For example, if you use the Internet onlyin order to read the news and watch short videos, the speed of 100 megabits per second is absolutely not necessary. It is enough to switch to the cheapest package of services with a speed of 1-5 megabits.
For the services of a mobile operator, the economy is not to make expensive calls: to numbers of expensive operators, abroad, in roaming.
Also, if you have free minutes, SMS, MMS, then try not to go beyond the allocated limit, otherwise you will incur additional costs.
Exploring the question of how to learn to save andsave money, let's look at the purchases that we make. Everything is easy here, you just need to follow some rules. It's no secret that clothes that are not sold in their season are put on the shelves with a large discount (often around 50%). It is necessary to use this knowledge.
That is, in summer you need to buy winter clothes, and in winter - summer ones. Thanks to this, you can save money.
Another good advice on how to learn to save money and save money - no need to be spent on advertising. They do not always tell the truth.
You can give a funny example:on TV they often say: "Our dog food has become even tastier!" And who checks the food and says that this one is more tasty? Do people or dogs themselves tell? It is necessary to treat advertising always skeptical.
Similarly, the situation with drugs.Of course, there are import means, which have no analogues within the country. But there are those who are no worse than imported ones. They have the same active substance, but for some reason, advertising makes people buy more expensive ones, because they think that it is more reliable.
Go ahead, figuring out how to learn how to save money and save. The item of expenditure on entertainment is the one that can be completely reduced, and not to spend money on them.
But it will be correct only in the event that money is sorely lacking. In other situations, you can simply revise the types of their entertainment and make a bet on cheaper ones.
For example, instead of a disco, you can have a party at home with friends - you don’t have to pay for tickets, and the kitchen with drinks is much cheaper.
You can not absolutely all waste attributed tocertain categories. Very often in life there are situations when you need some little thing right now. In such situations, it is important to just remember that those 50-100 rubles that you spend can be useful to you in more important matters.
So, we looked at ways to reduce your expenses. Let us turn to the review of some ways to save money that will help gather up on your dream.
The main thing is to set yourself a clear task.and set deadlines for its implementation, based on their income. Naturally, a person will not be able to save for a new Rolls Royce if his salary is 40 thousand rubles. per month. Therefore, you need to soberly assess their capabilities.
Разберёмся, как научиться копить деньги при modest income. To do this, you need to understand how much you can save on a monthly basis, following the methods described above. Then roughly calculate the amount of funds that you are willing to pay for the purchase or the trip you have planned, and divide it by the amount of the monthly savings.
In the end, you will find out how much you need to save toreach the goal. Frustrating the result? Two ways out of this situation - either start saving more or look for additional sources of income.
Also, do not save money under the pillow.If you are looking for the answer to the question of how to learn how to save money with modest incomes, then open a deposit account in a bank. Its validity period should be the same in the time that you have planned to achieve the goal.
And the further this bank will be from youbeing the better. Open not even in one bank, but in several, which are located in different parts of the city. This can be done by those who notice after themselves that they have a particularly keen desire to spend the accumulated funds immediately. The reluctance to wander around the city and human laziness simply discourage the desire to spend the money that has been accumulated over several months.
No time to replenish your own deposit?Activate the service of contract debiting from your salary card. It is very convenient to connect the automatic debit service. You can choose a percentage, set the amount, or allow the bank to automatically round up the ruble on the account to tenfold. Yes, in the XXI century and not so possible.
And so gradually and not essential for yourpocket money will be deducted on deposit. The savings account is also convenient due to the fact that the bank will also pay you in the form of deposit interest. Of course, they will not be able to earn money, but it is quite possible to reduce the impact of inflation on your own savings.
The above material will help you learn how to learn to save money and save. The program is effective; all you need is desire and willpower.
