Somehow, it has long been customary to believe that women are notable to save: if she gets money, it will be spent very quickly and no one knows what on. But this is not true, is it? Women can also save, often much better than the strong half of humanity. And it is quite possible to learn this, even if you do not have a natural gift for saving. Each person has their own attitude to money: someone manages to live without debts and at the same time put money aside “for a rainy day”, while someone’s salary goes to waste in a matter of days. If, despite the fact that your mother used to say in childhood: “When you get married and learn to live within your means!” you belong to the latter category of people, then it’s time for you to seriously think about how to learn to save money. This is especially true if you are married and have children. Of course, any person, and especially a woman, is inclined to buy something intuitively, guided by a fleeting impulse. There is nothing wrong with this if it does not happen often. But if you have once again bought the fiftieth handbag just because it matches one of your outfits, then it is time to pull yourself together and think about how to save money. And to do this, you need to know what you spend the most money on and what expense items can be cut. First, you should learn to plan your family budget - this is especially true for large expenses. Try making lists of what you need. Thanks to them, you will not only be able to more easily and quickly figure out what you should buy first, but you will also be able to calculate the amount needed for these expenses in advance. In addition, such an approach to expenses will help you learn to save money to buy something specific. Also, you should not buy things out of envy, just because a friend or neighbor bought it for themselves. They may have a higher income than your family, and they can afford some excesses. One of the expenses is the problem of choosing gifts for holidays for relatives or friends. If you approach this issue thoroughly and seriously, then you can save a little here too. The main thing is to start choosing a present in advance. You should think in advance what you would like to choose as a gift, put aside the necessary amount for it and try to find an alternative. It would not be superfluous to run around the stores that are currently having sales, paying attention to the announcements of discounts. But here you should remember that discounts are a kind of trap. There are not too many people who can resist low prices and not buy something for themselves, and sometimes absolutely unnecessary. Also, you should not listen to such phrases of sellers as "the most fashionable", "the only copy", "it suits you so much!" and so on. After all, they all want to sell the product and are ready to tell potential buyers anything, if only they would buy the product, after all, this is their job. This all concerns general expenses. But there are such regular expenses that you can't escape. For example, these include utility bills. Therefore, further in our article we will talk about how to learn to save the family budget, and also consider what ways there are to save water, gas and electricity.
Family and money saving
In a family it is very important to know how to do things correctlyorganize all expenses. After all, the family budget is a family budget, because it should be distributed among the needs of the family. Therefore, it is important not only not to spend this money selfishly on yourself, but also to be able to plan expenses. So, let's think about what you can save on in the family? As we have already mentioned, it is useful to reduce expenses in the area of utilities. How to learn to save gas, water and electricity, we will consider a little later in more detail. In addition, you can reduce spending on some food products, household goods, clothing, furniture, and so on. After all, if your income is not too high, then you should not buy black and red caviar - you can easily live without these products. Instead, it is better to buy ordinary fish and cook something from it to the delight of your household. In addition, you should not buy a million dresses, suits: you have several types of each thing for different occasions - and that's fine! You should buy new ones only when the old ones begin to wear out. Of course, you shouldn't buy the cheapest clothes and shoes either, because they have a very short service life, and as a result, over the same period you will spend much more money on purchasing, for example, a pair of winter shoes. A good, high-quality (and therefore not cheap) thing will serve you for at least 2-3 years, and a cheap one will work for a year or less at most. That is, in 2-3 years you will have to change at least 3 pairs of shoes, which will end up being much more expensive than if you immediately buy an expensive high-quality pair. In addition, you should not buy, for example, an expensive TV if you have a regular one in good condition. No, of course you can buy it, but then you will not have enough money for the bare necessities. If buying some expensive thing is your dream, then it is better to wait a little. First, you need to learn how to save money on utilities and other little things, and put the saved money aside to buy the thing you dream about. Therefore, let's start considering ways to save electricity.
15 Ways to Save on Electricity
Electricity accounts for up to half of the budget,put aside for paying utility bills. Therefore, everyone should know how to save money on electricity - you want to reduce your expenses on this by half, right? First of all, you should insulate your home well enough so that there is no need to purchase various electric heaters and fireplaces. What should you pay attention to when insulating your home? Windows, doors, heating systems, balconies and loggias. Windows and doors should be insulated by sealing cracks, sealing the door and window sills, installing a second entrance door, replacing cast-iron radiators with aluminum ones, glazing loggias and balconies. In addition, you should not hang curtains or cover the batteries with furniture. Also, heat-reflecting screens should be placed on the wall behind the heating radiators. It is best to install modern plastic windows in your home, which will not only help keep the house warm, but also reduce the noise level. And now specifically about how you can save electricity. There are about 15 ways to save it at home. We will now consider them.
We save water
Water prices are rising no less rapidly,than electricity prices. Therefore, you also need to reduce water consumption if you want to learn how to save your family budget. Let's talk about how to do it right. Eight household tricks came to mind:
We save gas
As is known, 80-95% of gas consumption isheating the home and providing it with hot water. Therefore, when talking about saving gas, we can talk about direct heat savings. In our article, we have already talked about how to keep the heat in the house. To this, we can add such a measure as covering the ceilings and walls with high-quality plasterboard. It would also be a good idea to install three-way valves and bypasses on the batteries, which allow you to regulate the temperature. In addition, the gap between the walls and the batteries should be at least 3-5 cm. If the heating boiler, boiler or expansion tank is in a cool room without additional heating (for example, in the basement), then they should be thermally insulated. Also, all pipes coming from the boiler should be insulated by 2 meters. If one of the rooms is much hotter than the others, then you should not open the windows to remove excess heat, but wrap the battery in a blanket or underlay under the laminate or install thermostatic mechanisms in such a room. Of course, a man should know these tricks. Therefore, let your husband read this section of the article - let him save gas. And we, women, will be closer to ways to save money on gas payments related to cooking.
Well, we've covered the main methods.reducing family budget expenses. We hope that you will no longer have the question of how to learn to save money. Just remember that your wallet is not made of rubber. There may simply not be enough money for all your inattention and laziness, so it is very important to learn to save money at all costs. After all, then you will be able to fulfill your dream by putting aside the money you saved, and please your child with a good toy once again. And your husband will never call you a spendthrift! We advise you to read:
