Do you work, make good money, but you can’t save for large purchases and expenses? What to do if a vacation is in a few months, but there are no savings? Or, perhaps, you urgently need to change a car, but you also don’t have enough money to buy a new one? Whatever the goal, the way, quickly, alone. Consider the strategy of saving funds in more detail.
Learn to spend wisely
Try to avoid loans and installments, especially loans with interest. The idea to start using a product or service today and pay tomorrow is tempting, but in practice, in 3-4 years you run the risk of paying twice for your purchase. You will never know, quickly, until you learn how to rationally spend the money you earn. Immediately after receiving your salary, pay the necessary monthly payments, such as Internet and telephone. So, after these expenses, you still have an impressive amount of money on which you have to live for a whole month. Stop chasing fashion, do not buy the latest technology or branded clothes if it is too expensive for you. Buy only the things you need, go to the store with a pre-prepared list and a limited amount. Never take money “in reserve” with you, you will probably return home with an empty wallet, and you will reproach yourself for a long time.
How can you save work and save
Get yourself a piggy bank or open a bank account (the second option is more reliable). But if for some reason you plan to keep your savings at home, remember: you should never spend them. Even if you take one thousand rubles from there today, and return it in a week, nothing will work. This is the main principle of how to save money quickly. As soon as you set aside some amount, forget about its existence. It is advisable to replenish your financial reserves by an equal amount on the same day every month. If you receive a piece-rate salary after completing one-time orders, it is rational to set aside some percentage of each wallet replenishment. Popular question: "Is it possible to replenish the piggy bank with a larger amount than usual?" You must find the answer to it yourself. If you receive a bonus in any month, you can also put it aside (as an unplanned income) and forget about its existence, or you can reward yourself by spending money on entertainment or some other excess. The first option is more rational, the second is relevant if, due to the need to postpone, you tightly control all expenses and deprive yourself of any “gifts” and paid holidays.
One of the most popular ways to quickly save money involves opening with the possibility of replenishment. If you are saving a large amount, you can make money work in other, more productive ways. However, you should not participate in dubious financial ventures, you risk transferring your funds to scammers. It also does not make sense to invest in securities for a short period of time if you are not well versed in this. In no case do not ask acquaintances and friends how to save money quickly, and do not tell anyone that you are saving for a dream. Remember, you can’t lend anyone from your piggy bank: if it is not returned on time, your plans may collapse.
Passive income is impossible without the main skill. You say that this skill is to make money? Here you are wrong. Even if you earn more money per month than all your friends and acquaintances combined, but at the same time you don’t know how to save money, you don’t know how to save money, and most importantly, you don’t own the technique of accumulating money, then your ability to earn money will be broken precisely by the lack of these skills. .
I think, as you already understood, today we will learn how to save money, master the skills of saving money in order to ensure a comfortable existence in the future, that is, to acquire investments and create passive income.
It is usually written in the books that you need to save 10% of your salary for investments. And many even try to do it. However, even just saving money for furniture or a car is one out of three. If it comes to setting aside money for investments in order to receive passive income in the future, then the ratio is approximately one to twenty.
The main reason is that articles and books about savings are basically about convincing people about the benefits of saving money. Okay, half of those who have read a book or article agree that procrastination is good. And the question arises, how, in fact, to save money? This is where the majority of people stumble.
It turns out that simple advice does not work in practice for most of the population. This is akin to advice on how to learn to swim, or how to drive a car. What's so difficult: "Jump into the water and swim", or "Turn the steering wheel and step on the gas." Swimming is good for health and driving skill saves time. Some and by this method can learn to swim or drive. The rest require a more detailed and step-by-step guide.
Therefore, let's analyze the postponing technique in detail and step by step. Here I already assume that you believe that saving for investments is very useful, and you also know at least in general terms money saving tricks.
So, if we get down to business, how can we learn how to set aside money for investments, so that in the future they will bring you passive income and give you confidence and peace of mind in life:
Rule #1
If you do not know exactly where exactly you will invest your money for investment, then you will definitely spend it. If you know exactly where you want to invest money, then the probability of successful accumulation increases several times.
Just saving "about nothing" is quite difficult for a person. Understanding is needed. Let's say you have the understanding "I want to invest in stocks." For example, a person has accumulated 30 thousand. He comes to a broker, and he tells him: “We have a minimum amount of 50 thousand rubles, and first get a TIN”, a 90% guarantee that a person will spend the accumulated money.
If a person has previously learned how much minimum money is needed, is psychologically ready to receive a TIN, read contracts, etc., then, most likely, he will be able to set aside the necessary amount of money and acquire his first investments.
Therefore, rule number 1 - find out more about potential investment objects or purchases(stocks, your business, real estate, etc.), decide which one you can afford and like, and only after that start saving money. Otherwise, I wouldn't bet money on you.
Rule #2
Take bold steps. Walking too far can tear your pants.
Let me explain with an example, if you spend all your money on clothes and trips to cafes and trips to visit, and you can’t even save up for furniture or repairs, then you are unlikely to be able to immediately save for investments. Let's say you can't put off a few months for a big purchase that you can use right away. Can you save for investments that will pay off in a few years? I do not believe. You, I think, too.
Try to feel the joy of procrastination. Set aside a few months for a big purchase. Enjoy this purchase. Buy yourself a laptop, go on vacation, pay for your studies. You may like to save, and then you can save up for investments.
Rule #3
Save more.
No matter how I read a book by a foreign author, I see the most stupid and non-working advice I have ever seen. This is advice to save 10% of your income. And they say: "This amount is small, you will almost not feel a decrease in budget revenues." That's how it is, leaving 90% of income, you can live without much stress. Only here they do not say that progress is practically not visible. And the visibility of progress for a person is much more important than a small amount of saving money.
Calculate how much it is - 10% and estimate the amount that will be in a year or two of postponing? This amount does not inspire anyone, whether it is about buying a good car or investing. Let's say a person starts saving 10% of their income. A month, two, six months go by - and, practically, no progress towards the result is visible. What's happening? The answer is obvious, a person will quit saving money.
Saving 10% of your income is the most non-working tip on the list of the most non-working tips.
Then what to do? You need to save a lot more. How? I'll tell you, so that progress is visible, then 30-50%. Better yet, 70%. I immediately hear objections: “I can’t save even 10%, and you say 50%.
This is the whole point, it’s easier to set aside 70% of income once than to save 10% for 7 months. If there is really not enough income, then find a part-time job, increase the level of professionalism, change jobs - in general, water does not flow under a lying stone. I have a book "How to earn 3 times more than now". In it you can find a lot of tips on how to increase your earnings.
All major acquisitions known to me, mine and all my friends, whether it be a car, an apartment, or a new sofa for a pensioner, took place in a forced mode. I repeat once again that it is easier for the psyche to strain for a year or two and make a large acquisition or invest money than to save 10 percent for 10 years. I will say even more, the strategy of postponing “little by little” does not work at all. Forget about her.
Rule #4
Make sure that savings are made by themselves, and spending money is difficult.
A person often overestimates the strength of his will and underestimates the impact of the environment on him.
A small example, not quite in the subject. There is a man who smokes a pack of cigarettes a day. (20 pcs.) He cannot quit smoking, despite understanding the harmfulness of this habit. This person arrives at the sanatorium, where he is placed on the 4th floor. (Example taken from real life). Smoking in the sanatorium is allowed only on the street, and in order to smoke, you have to go down from the 4th floor. The next question on the backfill, how many people will smoke a day of cigarettes? Think carefully about the answer. - He began to smoke 3-4 cigarettes a day, and did not feel much discomfort at the same time. This is 6-7 times less. It turns out that it is enough to change the external conditions, and the results will change almost by magic. We do not govern ourselves, but external circumstances govern us. But we can change these external circumstances! When I realized the full power of this principle, my life became much easier and more efficient.
Then let's build our own system so that saving money is easy and spending is hard. Building even a simple system is a volume for an entire article or even a book, but let's briefly use the example of saving money.
Let's say if you have a habit of carrying money with you in your wallet after receiving money, then you will spend more money than if they stay at your home, and you take with you as much as you need. It doesn't matter if you're a good person or a bad person, whether you want to save or not. It's just a law of nature. Accordingly, having learned not to carry all the money with you unnecessarily, you will certainly spend less in vain.
The same can be said about a bank card, it is the same as carrying the entire salary with you all the time. More than once I have already heard from friends that as they began to transfer money to a card, there was not enough money. I'm not talking about a credit card, where you constantly carry all the money with you, and even, without noticing, you can take other people's money on credit, with almost no effort. A credit card is generally a devil-tempter in financial matters. For personal finances, the habit of using a credit card is the same as for health the habit of drinking and smoking a lot.
Therefore, the obvious conclusion follows, you need to run away from a credit card faster than from the plague. It is also better to throw away the salary card (if any), and use only a regular bank account. (Though, however, some spend less with cards than with cash. If so, then use it. The only question is whether you are not engaged in self-deception).
Let's think of another step to make it easier to save money. And what if you do not receive part of the salary in your hands, but immediately from work it will be transferred to a bank account where you save money.
What if the bank agreement is given to another person? But what if you open a bank account, which is far to get to? And what if you develop the habit of saving money immediately upon receiving money. What if... You can come up with a few rules for yourself. The principle here is the same, to make it as difficult as possible to waste money and to make it as easy as possible to save money. (not with will power) You can think at your leisure how this and similar principles are implemented in a piggy bank, in a supermarket, etc. Then choose a few principles for yourself and implement them.
Rule #5
Practice saving money.
The ability to save, like any skill, requires mastering and some effort to maintain it. Some have been taught this as children, and some have yet to learn it.
I suggest that you set aside about 2 months for mastering the economy skill, and every 3 months or so another week to maintain it.
Sometimes I read about saving about the need to save on large purchases, for example, buying a car cheaper, driving longer, etc. In principle, I agree, but large purchases are not suitable for training. They come every few months or years, and we need daily exercise.
Daily spending is much more suitable for training savings. What exercises did I use and suggest to you.
1. Find and choose for yourself one quote about the benefits of saving. Reread this quote daily, meditate on it for 5-10 minutes. For example, I liked the quote “Not frugality is proof of complete unsuitability for business, naivety and stupidity. A person who has not proven that he knows how to handle money cannot be taken seriously. However, this is my quote. Choose the one you like best.
2. Make a savings plan for yourself and reread it every day, supplement it, analyzing daily expenses. Actions in the plan should be extremely simple and specific. For example, “-No more than 1 time in 2 weeks to buy this and that, stop going to a cafe for lunch, etc.” After some time, there should be a dozen or more such points. Do not try to write everything in the plan in 1 day. The points of the plan should come from the analysis of daily spending and thoughts about it. Do not try to execute the plan right away, just reread it - this is a kind of self-hypnosis. Gradually, if you analyze expenses daily and re-read the plan, savings actions will begin to take place “by themselves”.
3. Take some of your daily spending and multiply by 365 days a year, and let's say another 10 years. Then you will understand the true value of your daily habits. It was after doing this exercise 15 years ago that I started saving money. I didn't have a place to live and I was constantly whining about how expensive it was. However, I had a daily habit after work of eating a hot dog and drinking a bottle of lemonade. When I counted several times how much this habit, which is not at all necessary for life and harmful to health, costs me in 10 years, I was somewhat surprised. This is about 150 thousand rubles. for 10 years. And I still had habits, and not one. Yes, in addition to daily habits, there were also weekly and monthly habits. After a couple of months of such calculations, I stopped whining and began to save money. And after 2.5 years I bought myself an inexpensive room. This is not a one-time exercise. To achieve the effect, it must be done daily.
Rule #6
Don't focus on saving. Remember that saving is a very important money management skill, but at the same time, only one of several basic skills.
Let me remind you that in the most general form, there are three skills for managing money. First Skill is to be able to make money.
Second skill in accumulating money, that is, in making the expenditure always less than the income.
Third skill is to keep the money received, and, if possible, to increase, which is usually called investment.
The great advantage of the economy skill is that it can be mastered by anyone of any profession, age and ability. I have a lot of examples in front of me when grandmothers living on one pension help their children, whose income is 3-10 times higher than her pension. If you master one skill, then it's great. You can devote several months or even a year to developing the economy. However, it is desirable to master all three skills to a minimum extent.
Rule #7
Separate the concepts of saving and accumulating money.
In this article, I write about the technique of saving money and try to use the word saving less often. In principle, this is one and the same thing, only recently the word “savings” has been given a completely different meaning.
I'll give you a couple of examples.
Anecdote: A wife comes home and says to her husband: “Dear, today I saved 3,000 rubles to our budget. The husband asks: “How is it?”. I ran a red light several times today, and I have never been fined. And with the money I saved, I bought myself a skirt.
Well, one more example. I quite often see families "save" by going to distant hypermarkets, where they buy groceries 10-15% cheaper than in nearby stores. Let's say the family will allocate for the purchase of products, households. goods, etc. 10 thousand rubles, then the savings should be 1-1.5 thousand rubles. Accordingly, after the family began to buy food in a cheaper store, an additional 1-1.5 thousand rubles began to arrive in the bank account every month.
Of course, you understand that this does not happen in 80% of cases. Then where is the savings? The money is simply redistributed to other commodities. In the hypermarket example, other products are simply bought, usually more expensive, and some is spent in cafes, on transport, etc. In most cases, with such "savings" even more money is spent than when buying in the nearest store, not to mention time.
Therefore, when they say “I saved money,” always ask yourself the question, where is the money saved, show me?
Well, I briefly talked about how to save money. Combined with the knowledge of saving methods and understanding of its usefulness, you can easily learn this skill in a few months.
Sincerely, Rashid Kirranov.
Hello, friends!
I am a staunch supporter of planning, saving and saving money. My family went through different times, but I was always able to build a family budget so that it covered mandatory expenses, and there was money left for our hobbies.
So far, one character trait helps me in this - the ability to save. But I also care about one question: how to save money correctly? With an emphasis on the word "correct".
Definitely hoard. But the answers to the questions: why do this, how and where it is better to save money, I will give in the course of the article.
It is a misconception that only wealthy families can engage in savings, and with a small salary, this is unrealistic. Before agreeing with these words, read my article on maintaining a family budget (there will be a link to it later in the article). It is quite possible that you will reconsider your approach to finances and think about whether everything is so bad in your wallet, or whether a spender just settled there.
“I live paycheck to paycheck. What accumulation are you talking about?” Familiar words, right? How often I hear them when I talk to people about the future. And this is not necessarily a distant future (for example, retirement). This also applies to very close targets. For example, saving up for an apartment, a car or a vacation trip. And I hear these words not from low-income people, but from people with decent earnings. What is the reason for such “optimism”?
There are several reasons:
- A high degree of distrust in the state in general, and banks in particular, is rooted in our past.
- The underdevelopment of many market-based instruments (such as housing bonds) that allow citizens with modest incomes to save money.
- Russians don't know how to save money. It is a fact. The level of financial literacy in the country is very low.
- Self-doubt, inferiority complexes.
It is not in our power to influence the first two reasons, but it is possible and necessary to fight the third and fourth reasons. Let's learn how to save money effectively and develop this useful anytime, anywhere habit.
You will say that it is good to write an article and teach everyone the methods of accumulation. Intellectually, we all understand that this must be done. But how do you force yourself to save? Now that's psychology. For some it comes easy, for others it's hard. Let's come up with powerful incentives for ourselves that will make us do this.
- We will learn to live not for one day, but to think about the future, even if at first it is not so distant. Appetite comes with eating.
- We will be able to plan large purchases in advance, without expecting a big bonus or grandfather's inheritance.
- We will master financial discipline, which will increase responsibility in other areas of life.
- Learn to live economically and not spend all the money you earn on unnecessary purchases.
- We will find inner peace and peace of mind, because with the acquired skills, we will survive on modest incomes.
For example, even one point is enough for me to seriously think about the issue of increasing and maintaining the family budget. And you?
I also believe that it is necessary to set aside part of the income every month not according to the residual principle. Today I have money - I'll save it, tomorrow I don't - I'll wait. That's not how things will work. Immediately after receiving a monthly income, we take some part of it (for example, 5 or 10%) and set it aside. Only this way and nothing else.
How to start saving from scratch: step by step instructions
I hope that you have recharged your batteries and clearly understood the need for accumulation. How to start doing it from scratch? Here is a step by step guide for the absolute beginner:
1. Correct installation.
Mental attitude is a powerful thing. Become your own psychologist. Here's what will help you get it right:
- write down or draw on a piece of paper the goal of accumulation. For example, a new phone, a trip to the sea, etc. Hang in a conspicuous place (refrigerator or mirror);
- every night, before going to bed, imagine in your head that you have already acquired the desired thing. Draw vivid images of what you will do with it, what friends and acquaintances will say, what you will feel;
- write yourself a savings plan for a year or several years ahead. For example, if every month you save 5,000 rubles, then after 12 months it will already be 60,000 rubles. least.
2. Maintaining the family budget.
This is the 2nd step to saving money. We talked about it in detail in the article on the family budget. The main points that you should take away from the monthly maintenance of the family budget:
- a clear understanding of where the money goes;
- allocation of mandatory and optional items of expenditure;
- creating a savings plan;
- calculation of the approximate amount remaining from your income at the end of the month.
3. Developing a habit.
To achieve your goals and get a tangible result, you need to turn the desire to save into a habit. Many people complain that they can't save money. What to do? Develop this useful skill. Sometimes through “I can’t” and “I don’t want to”.
Here are a couple of tips.
Tip #1. Make it a rule: every month from any amount received, set aside 5 - 10%. This is the minimum threshold. Can you do more? Go ahead.
The main thing is not to give yourself any favors. You must set aside this amount before you start spending the salary you receive. By no means later. There will always be excuses that you need to buy a very necessary thing, etc.
Is your salary too low to save? Not true. Amount of 2,000 rubles. with a salary of 20,000 rubles. it will not save you, but with monthly accumulation it will turn into at least 24,000 rubles. in year. And this is provided that you keep this money at home, which is not recommended.
Tip #2. Come up with a punishment for not depositing money in the funded part. For example, deprive yourself of sweets next month. At the same time, improve your health.
4. Choose the option to save money.
What do financial institutions offer us today:
- ruble or currency bank account (accumulative or deposit),
- plastic card with interest accrual,
- metal bills,
- individual investment account.
We will talk about them in more detail in the next section.
Saving money options
So, we embarked on the path of saving and increasing our finances. The next question that you need to decide for yourself is “what to save in”, that is, which savings option to choose. Immediately make a reservation that I am considering tools for beginners. I think that financially advanced people do not need my advice.
Money should work the same as we do. Even small amounts should not lie under the pillow, but should bring income to the owner. What are the options?
Savings account
This is a mixture of a current account and a deposit. At any time you can come to the bank and withdraw the required amount. Interest is charged on it, but small.
For example, in Sberbank on the “Manage” deposit - up to 3.8%. “Comfortable” deposit in Rosselkhozbank – up to 4.3%. As you can see, the picture is about the same. The percentage also depends on the conditions of accumulation. Each bank has its own.
It is very convenient if you open a savings account in the same bank that has a current account (for example, a salary account). Money can be transferred from one account to another for free.
Plastic cards with interest accrual
We have already considered the advantages and disadvantages, we also figured out. They allow you to receive higher interest on the account balance, plus return cashback from each purchase. But be sure to study the conditions for calculating interest. As a rule, a minimum balance must remain on the account every month.
Bank deposit with minimum balance
Why is he interesting? Higher interest rate than savings accounts. But it should be borne in mind that the conditions for storing money are more stringent. Disadvantages:
- commission for transfer to other accounts,
- obligatory visit to the bank for debit transactions,
- the risk of losing interest in case of early withdrawal.
Which bank is better to open an account? There is no single answer to this question.
The largest percentage of deposits in Tinkoff Bank - 7 % . The minimum amount is 50,000 rubles. If you open a deposit by clicking on this link, you will receive a bonus in the form of 0.5% of the replenishment amount.
I also suggest that you familiarize yourself with some of the deposits offered by the TOP 10 banks.
| № | Name of the bank | Account name | Maximum interest rate, % | Minimum deposit amount, rub. |
| 1 | Sberbank of Russia | Replenish | 4,1 | 1 000 |
| 2 | VTB | refillable | 5,82 | 30 000 |
| 3 | Gazprombank | For life | 5,9 | 15 000 |
| 4 | Rosselkhozbank | refillable | 5,85 | 3 000 |
| 5 | Alfa Bank | Premier+ | 6,2 | 10 000 |
| 6 | Bank FC Otkritie | My piggy bank | 6,5 | 10 000 |
| 7 | Moscow credit bank | Cumulative with capitalization | 6,75 | 1 000 |
| 8 | Binbank | Max percentage | 6,6 | 10 000 |
| 9 | UniCredit Bank | first class | 5 | 15 000 |
| 10 | Promsvyazbank | My piggy bank | 6,15 | 10 000 |
metal bills
If you do not want to open a ruble or foreign currency account, you can get yourself a "gold", "silver", "platinum" or "palladium". These are the so-called depersonalized metal accounts.
No need to buy bars. Buy grams of precious metal at any time and for any period. The invoice will reflect its equivalent value. You can follow the quotes and sell the metal when the price reaches the desired level.
For example, as of April 10, 2018, the cost of 1 g of gold is 2,905 rubles, silver - 35.86 rubles, platinum - 2,034 rubles. and palladium - 2,039 rubles. (Sberbank of Russia).
Individual investment account
What is an individual investment account? This is a special account where you deposit money. And then you entrust their management to the bank's specialists. Your funds are invested and generate income.
The peculiarity of such accounts is that they are not included in the deposit insurance system. But on the other hand, in addition to income, you can also receive a tax deduction from the state in the amount of 13%.
In Sberbank, the conditions for opening an account are as follows:
- the minimum deposit amount is 50,000 rubles,
- term - 3 years,
- the possibility of replenishment - from 10,000 to 1,000,000 rubles per year.
Sberbank invests in government bonds and bonds of large Russian companies.
Gazprombank also offers to open an individual investment account, through which your funds are directed to the purchase of Gazprombank bonds. An example calculation looks like this.
We have considered far from all the options for accumulating funds. But others are already associated with significant amounts, so we will return to them a little later, when we have accumulated enough funds for more serious investment.
My article is not intended for the rich. They perfectly learned to save without my advice. I am now trying to convey a simple idea to people who live with the idea that with their salary you can only survive, not save. This idea is that even the smallest amount will bring a good income over the years. And if you replenish this amount every month, then the result can surprise you.
Here are 5 tips on how to save with a small salary:
Tip 1. If you want to increase revenue, cut costs.
How to learn to save? Read in my article about possible ways to save money and put them into practice. Trust me it's easy. Especially when there is a goal or a dream.
Tip 2. Don't throw dust in your eyes.
It is a familiar situation when a not very wealthy family has expensive phones, golden gifts for the holidays and mink coats. What drives these people? They want to appear rich. They think that these are the most important values. Live one day.
Stop! Do you seriously think that this is the meaning of your life?
Tip 3
Easy foreign money. They do not need to be earned, they can be spent, but they must be given away. And pay back with interest. Take a couple of minutes to calculate how much this purchase on credit will actually cost you. Think about whether this thing is really important to you or you can live well without it.
Tip 4. Set aside 10% and do not give yourself any indulgence under any circumstances.
Both financiers and psychologists speak about the effectiveness of this method. 10% is not much for any family. I have already stopped at this point, but I will repeat it again. Gained income - immediately put the tithing aside.
Tip 5. Explore possible sources of additional income.
We are very fond of feeling sorry for ourselves, blaming the bosses, the state, etc. What prevents you from changing the conditions in which you suffer, trying to survive? Self-doubt, laziness, illiteracy? We only have one life, and it is, unfortunately, short. We must live it in such a way that all areas are in harmony: work, finances, personal life, health, recreation and self-development.
Not satisfied with income? Look for additional sources. You can not sit on the couch and lament about injustice. What have you personally done to make a difference?
I am not a psychologist to persuade anyone or inspire faith in myself and my abilities. I will give an example from my own life. I am 41 years old and have been teaching at a university for 18 years. I have a PhD degree and the title of Associate Professor. When my salary and the salaries of my colleagues stopped at the level of 15,000 rubles, we faced a choice. What to do next?
And then one of us began to bake bread and conduct master classes online. The other one went to the Far East, where there are not enough professors at the university. The third one turned her knitting hobby into a profitable business. And I became a copywriter and successfully develop in my new profession. We changed our way of life in different ways, but we acted. What's stopping you?
Don't make these mistakes, then everything will work out
At the end of the article, I want to analyze common mistakes that prevent us from saving:
- No savings goal
You're just saving money, but you don't know what. Without a specific goal, you reduce your motivation, it relaxes and after a while you will abandon this activity. Checked on myself.
- Set aside on a residual basis
How much is left at the end of the month, I will set aside so much for accumulation. As a result, you will increasingly face the situation that at the end of the month there will be nothing left.
- Keep money in an easily accessible account or at home
You have opened a special savings account, but it allows you to withdraw money at any time. The temptation to do this in order to buy another gadget is very strong. It is even worse when the money is simply kept at home. You not only risk spending them, but also depreciating them.
- Saving to the detriment of meeting essential needs
Some people in an effort to save and save go to extremes. They begin to refuse the most necessary purchases. For example, purchasing medicines or paying for a mug for a child. This can lead to dire consequences. Starting with family problems and ending with health problems.
Conclusion
Is it worth saving money if there is no confidence in the future? If all the economies of the world are in a fever, then one crisis, then another? The answer is obvious. Yes, it's worth it.
Moreover, it is necessary to teach this from a very early age, when the child has his first money of his own. A teenager who has been told how to save up for a desired thing will find it even more valuable after purchasing it on his own. And in adulthood, this skill will help him stay afloat in the most difficult times.
And if you were not taught this as a child, it is never too late to educate yourself. The main thing is to start and stop postponing for another Monday. In the comments I will be glad to read about your successes and failures in this matter. Everything will work out.
There is a joke that in our country, at least something is stable - this is a salary. Everything rises in price, prices rise, and wages remain at the same level. And it is not always possible to earn more income. Someone for this does not manage to be in the right place at the right time, and someone lacks education.
In this article, you will learn how to learn how to save money. The working methods below will help you start saving money for an important and cherished purchase as soon as possible.
The above methodology involves working on yourself in two stages. Each of them is important and is mandatory for implementation.
How to learn to save and save money?
First of all, remember the following two steps to follow:
- save;
- hoard.
Passing the first stage
In order to understand how best to save money and save money, you first need to track your expenses.
It will be enough just to have a notebook in which to write down your expenses for a month. For convenience, you can create a spreadsheet - this will allow you to quickly and easily sort all the expenses into categories at the end of the month.
If there is an acute problem in money, then the best thing is to stop eating harmful foods. These include sweets, sweets, chips, crackers, Coca-Cola, McDonald's products, etc. This list can be long listed.
We give up bad habits
In times of economy, everything that is harmful to health is clearly not something you need to spend your money on. Despite the fact that smoking is officially recognized as a dangerous occupation, because of which the lungs and throat suffer, malignant tumors are possible, there are no fewer smokers.
Alcoholic drinks will also not save your budget. In addition to the fact that alcohol destroys brain cells, it is able to pull the last money out of your pocket. After all, it's nice to get together with friends in the evening and talk heart to heart over a glass.
If you give up alcohol altogether, then you will feel how much more money you will have in your wallet. This is not to mention the gratitude of the body, which you will receive in the form of health promotion.
How to learn to save and save money? Give up all bad habits and do not waste your time and money on them.
Communication costs
Every month we replenish the mobile phone account, and also pay for the services of the Internet provider.
And it would seem that this is not much money, but every month they still bear a burden on you. Here you can save money by switching to a more optimal tariff.
For example, if you use the Internet only to read news and watch short videos, then a speed of 100 megabits per second is absolutely not needed. It is enough to switch to the cheapest service package with a speed of 1-5 megabits.
For the services of a mobile operator, savings consist in not making expensive calls: to the 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.
on shopping?
Exploring the question of how to learn how to save and save money, let's look at the purchases that we make. Everything is quite easy here, you just need to follow some rules. It's no secret that clothes that are sold out of season are put on the shelves with a large discount (often about 50%). We need to use this knowledge.
That is, in the summer you need to buy winter clothes, and in winter - summer clothes. Thanks to this, you can save a lot.
Another good tip on how to learn how to save money and save money is not to be fooled by advertising. They don't 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 particular one is tastier? Do people or dogs tell themselves? Advertising should always be treated with skepticism.
The same is true with drugs. Of course, there are imported products, which have no analogues within the country. But there are those that are no worse than imported ones. They have the same active ingredient, but for some reason, advertising makes people buy more expensive ones, because they think it's more reliable.
Having fun with the mind
But this will be correct only if there is a catastrophic lack of money. In other situations, you can simply reconsider the types of your entertainment and 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.
Reducing other expenses
It is impossible to attribute all waste to certain categories. Very often in life there are situations when you need some little thing and right now. In such situations, it is important to simply remember that those 50-100 rubles that you spend can be useful to you in more important matters.
So, we looked at ways of how you can cut your costs. Let's move on to an overview of some ways to save money that will help you raise money for your dream.
The main thing is to set a clear task for yourself and set deadlines for its implementation, based on your income. Naturally, a person will not be able to save up for a new Rolls Royce if his salary is 40 thousand rubles. per month. Therefore, you need to soberly assess your capabilities.
Let's figure out how to learn how to save money with a modest income. To do this, you need to understand how much you can save monthly by following the methods described above. Then roughly calculate the amount of money that you are willing to give away for the purchase or trip that you have planned, and divide it by the amount of monthly savings.
As a result, you will find out how much you need to save in order to achieve your goal. Upsets the result? Two ways out of this situation - either start saving more actively, or look for additional sources of income.
Also, do not put money under the pillow. If you are looking for an answer to the question of how to learn how to save money with a modest income, then open a savings account in a bank. Its validity period should be the same in terms of the time that you have planned to achieve the goal.
And the further this bank from you will be, 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 behind themselves that they have a particularly keen desire to immediately spend the accumulated funds. The reluctance to wander around the city and human laziness will simply beat off the desire to spend the money that has been accumulated over several months.
No time to replenish your own deposit? Activate the contractual debit service from your payroll card. It is very convenient to connect the service of automatic debiting of funds. You can choose a percentage, set the amount, or allow the bank to automatically round the rubles in the account up to ten times. Yes, in the 21st century this is not possible.
And so gradually and not essential for your pocket, the money will be deducted to the deposit. It is also convenient in that the bank will also pay you for this in the form of deposit interest. Of course, it will not be possible to make money on them, but it is quite possible to reduce the level of influence of inflation on one's own savings.
The above material will help you learn how to learn how to save money and save. The program is effective, all you need is desire and willpower.
This article describes how distribution of the family budget, which will allow you to avoid unnecessary costs and help you understand how to save money and learn how to save. This problem is especially relevant now, in the age of excessive consumerism.
The first method of distributing the family budget
So, to begin with, decide for yourself what money is spent on in your family and in what quantity. Of course, exact calculations are not required. It is important to understand what part of the money is spent on food, what part is spent on utilities and other payments, and so on.
You may not consider something the first time, but it's not scary. The main thing is that without which you can not do. Of course, first of all it is food, a person cannot live without food. How much money do you spend on groceries each month? What about as a percentage of your income?
counting
Suppose your salary is 25 thousand rubles.
On average in grocery stores you leave monthly 15 thousand. It turns out that you spend about 60% of your income on products.
Yet 5 thousand you pay for public Utilities. This is 20% of income.
two and a half thousand monthly "leave" for payment for services of mobile operators and the Internet- another 10%.
Well, the rest of the money, as a rule, disappear without a trace, imperceptibly spent on various seemingly unnecessary things, or on unforeseen expenses.
But what about entertainment and recreation? Most Russians, having worked honestly for six months or a year, on a well-deserved vacation can only afford to rest in the countryside or in the country. But what about the dream of seeing the world, visiting hot countries, taking pictures next to the Eiffel Tower? What about the dreams of your own car, a country house? Own business?
If expenses are equal to income (and sometimes even exceed), then you can forget about your dreams. If simply “forgetting” does not suit you, there are two ways out:. What is easier for you - only you know.
We distribute the budget
If you decide that the second option is more suitable for you, then proceed as follows.
Determine the place where you will keep the money and divide it into several cells.
It can be pockets on the refrigerator, envelopes, a box or a wallet with several departments, bank accounts (cards), it all depends on your imagination. Sign each department. Mandatory departments will be "products", "payments", "reserve", "dream come true". At your discretion, they can be divided into several or add additional ones. For example, "payments" can be broken down into utilities, communication services, loans, kindergarten fees, and so on. The “dream come true” cell can also be divided into several if you want to save up for vacation and buy something at the same time.
Reserve and financial cushion
The "reserve" is needed for unforeseen expenses - this is yours. It is mandatory, but you should not pay too much attention to it, you should not allocate too large sums from your income. There are situations in life when you have to spend money unplanned, even if you don’t really want to. For example, you will not save on medicines if, God forbid, you get sick? If some important household appliance breaks down, for example, a refrigerator, you will have to spend money on repairs. From the reserve, you can take money for gifts to relatives on birthdays and other holidays. Of course, I don’t want to be greedy, I would like to give gifts that people deserve, and not according to their financial capabilities. But often you have to limit your generosity.
We distribute money into cells
After all the cells are signed, you need to distribute 100% of your income among them.
It is difficult only at first glance.
Start with those cells, the sum of which predetermined. For example, monthly you pay about the same amount for a communal apartment. What percentage of your average salary is this? You do not need to calculate exactly, round the amount and write the percentage under the cell name. Try to make the figure (percentage) divisible by at least 5 (5, 10, 15%), so that it would be more convenient to count in the future.
Then allocate the remaining interest for the rest of the cells. Well, for example, like this: 40% - products and household items (powder, toothpaste, etc.); 30% - payments and debts; 10% - reserve; 5% - recreation and entertainment (after all, it is not necessary to wait for a vacation, you want to please yourself "here and now"); 15% - the realization of a dream. You can have your own names and your percentages.
Once again, decide to yourself: for what specific needs and from which cell will you take money? For example, transportation costs, buying clothes and shoes for the season, etc.
Then count all the money you have and sort them into cells respectively. Do this every time you receive a salary or any other income (what if you find a wallet with money?).
My personal method of distributing finances.
Four envelope method.
Another interesting method of distribution and accumulation.
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