The desire to save money is probably familiar to you,to each person. Of course, the goals of such savings may vary greatly - some don't have enough for a washing machine, others don't have enough for a mink coat, and still others don't have enough for a five-carat diamond - but the essence of it doesn't change. How to save money and not feel unhappy? In order to start saving - putting it aside - you first need to find those "holes" into which money "leaks". After all, it often happens that, having come home from the store with half-empty bags, you are surprised to find that there is nothing left in your wallet. And you definitely remember that something was rustling there pleasantly in the morning.
Where do the money go?
To understand this, we will have toIt's time to become a "pencil rat" - arm yourself with a thick notebook and a pen. Try to force yourself to enter absolutely all expenses into a notebook every day for a month. Of course, this is a tedious and unpleasant task, but absolutely necessary. You want to find out how to learn to save money, right? In order to make the task easier for yourself and not forget anything, develop a useful habit of saving all receipts. Well, maybe not "forever and ever" - otherwise you will quickly clutter up the entire apartment. At least until the end of the day. And then you can rewrite everything in the treasured notebook. After a month, carefully review all the entries. You will certainly find a lot of instructive information there. Try to identify "extra" expenses and those items on which you can save.
I see the goal ..
Trying to save and constantly denying yourselfin cute little things - it's a sad occupation. In order not to give up on it after a couple of days, it is absolutely necessary to clearly define what you are suffering for. That is, - set a goal. However, there can be several goals. The main thing is that they are real - otherwise, such "hoarding" will bring nothing but disappointment and depression. It is pointless, working as a doctor or a school teacher, to try to save up for a private jet. You will only feel unhappy and "unlucky". Calculate and set yourself an exact date when your dream will become a reality. To sweeten your "months of deprivation", determine the intermediate stages of the "long journey". That is, some amounts, having saved which, you can arrange a small holiday for yourself. Just try not to splurge too much - otherwise all efforts will go down the drain.
We reduce the debit with the loan
There are quite a lot of people in the world who simplycannot resist buying some nice but not very necessary thing if they have money in their wallet. A simple way will help to avoid unnecessary temptations. As soon as you receive your salary, immediately put aside some part - usually 10-15% - in a bank account. Moreover, you need to open an account from which it will be quite difficult to withdraw money. You can do it even easier - write an application to the bank, and this money will be written off automatically. For "unexpected" income - a bonus, winnings, etc. - use the 50/50 rule. Give yourself a small gift for half of the amount received, and put the other half "in a piggy bank". In order not to find yourself in the middle of the month with an empty wallet, you need to make a list of mandatory expenses. What does it include? As a rule, this is:
- rent;
- payment for mobile phone and Internet;
- expenses for transport / gasoline;
- expenses for food;
- "Economic" money;
- entertainment;
- education or training;
- Unexpected expenses
Have you counted? Don't put your money in one "pile" - get several envelopes and sort them by expense items. Then you'll immediately see where you're "off schedule."
How to save money? Little tricks
Clothes and shoes.Try not to buy the thing you like right away. It is better to get yourself a special notebook and write down all the "rags" you like, the name of the store where you saw them and the price. It often happens that after 2-3 hours you come to the conclusion that you absolutely do not need this thing and you have nothing to wear it with. Then mercilessly cross it out of the notebook. And what to do with those that you really want and really need to buy? Watch for sales and discounts. Having learned about a sale, you can simply call the store and ask about the availability of this model. This way you will save money and time. When going to a sale, do not forget to take a notebook with you with you. This will help you not to get confused and not buy unnecessary things. It is highly advisable to take with you a whining girlfriend who in an hour will start moaning that her head is spinning, her legs are tired and she wants fresh air. Yes, do not take a lot of money with you. You have some approximate prices written down, right? Hairdressers. This is quite a serious expense item, especially for women. And why walk around unkempt? Of course not! Conduct a survey among your friends and colleagues. Surely they know a hairdresser who works at home. Such a haircut will cost you much less. The same applies to manicures/pedicures and other “women’s things.” Products. And again - lists. What to do? After all, you decided to find out how to save money, which means you should have a reasonable approach to all purchases. Make a list of long-term storage products. It is better to buy them for 2-3 months at once, in wholesale stores or warehouses. You can also buy shampoos, soap, toilet paper, powders and other household items there. Figure out what products and in what quantities you will need within 1-2 weeks. Buy a discount card for the nearest hypermarket and go there. Check the list carefully and stick to it. If you shop at a chain supermarket, take a closer look at the products released under its brand - they are usually cheaper. Pay attention to the material and volume of the packaging - depending on this, the price of the same product may differ. "Catch" promotions - you can recognize them by special price tags. Bank cards. Of course, bank cards are a very convenient thing. However, for those who are trying to save, this method of payment is not very suitable. There is always a risk of spending more than you originally planned. "Live" money is much more obvious. Consumer loans. Try not to take out consumer loans. Why do you need extra debt obligations? After all, you already understand how to learn to save money, right? This means that soon enough you will be able to buy the necessary goods for "your own hard-earned money", and not for bank money. There is nothing impossible here. You just need to set a goal and persistently go towards it. You will definitely succeed! We recommend reading:
