Somehow it has long been believed that women do notcan save: if money has got to it, they will be spent very quickly and it is not known on what. But this is not so, is not it? Women can also save, often much better than a strong half of humanity. And to learn this is quite possible, even if you do not have the natural gift of saving. Everyone treats money in their own way: someone manages to live without debts and at the same time to save money "for a rainy day," and someone's salary flies in a matter of days. If despite the fact that my mother said in her childhood: "You will marry and learn how to live within your means!" You belong to the last category of people, then it's time for you to seriously think about how to learn how to save money. This is especially true if you are married and you have children. Of course, any person, and especially a woman, is inclined to buy a thing by intuition, guided by a fleeting impulse. In this there is nothing to worry about if this happens infrequently. But if you once again bought a fiftieth handbag just like that, because it's coming to some kind of your costume, it's time to pull yourself together and think about how to save money. And for this you need to know what the most funds are spent on and what items of expenses can be reduced. First you need to learn how to plan your family budget - especially for large expenses. Try to make lists of the necessary. Thanks to them, you will not only be able to navigate easier and faster in what you should buy first, but you will be able to calculate the amount necessary for these expenses in advance. In addition, this approach to spending will help you learn how to save money for the purchase of something specific. Also, one should not buy things out of envy, simply because a friend or neighbor has acquired such things. They may have higher incomes than they do in your family, and they can afford some excesses. One of the expenses is the problem of choosing gifts for the holidays for relatives or friends. If you approach this issue thoroughly, seriously, then here you can save a little. The main thing is to start choosing a presentation in advance. You should think in advance what you would like to choose as a gift, put aside the necessary amount and try to find an alternative. It will not be superfluous to run through the shops, in which at the moment there are sales, paying attention to the announcement of discounts. But here it should be remembered that discounts are a kind of trap. There are not too many people who can resist low prices and do not buy yourself anything, and sometimes absolutely not necessary. Also, you should not listen to such phrases of sellers as "the most fashionable", "the only copy", "so it goes to you!" And so on. After all, they are trying to sell the goods and are ready to talk to potential buyers anything they want, if only they bought the goods, because it's their job. This all relates to total costs. But there are such regular spending, from which you can not escape. These include, for example, utility bills. Therefore, later in this article, we will talk about how to learn how to save the family budget, and also consider what methods of saving water, gas and electricity exist.
Family and money saving
It is very important in the family to be able to correctlyorganize all expenses. After all, the family budget - then he and the family, which should be distributed for the needs of the family. Therefore, it is important not only not to spend selfishly this money on a loved one, but also be able to plan expenses. So, let's think about what you can save in the family? As we have already mentioned, it is useful to reduce expenses in the sphere of public services. How to learn how to save gas, water and electricity we will consider later in more detail. In addition, you can reduce spending on certain foods, household items, clothing, furniture and so on. After all, if you do not have too much income, then you should not buy black and red caviar - without these products you can easily live. Instead of them it is better to buy ordinary fish and to cook from it something for the joy of the household. In addition, one should not buy a million dresses, costumes: you have several kinds of each thing for different occasions - and all right! Acquire new ones only when old ones start to wear out. Of course, the cheapest clothes and shoes should also not be bought, since they have a very short life, and as a result, for the same period you will spend much more money to purchase, for example, a winter pair of shoes. A good, high-quality (and, therefore, not cheap) thing will last you at least 2-3 years, and a cheap one will work for a year, or even less. That is, for 2-3 years you will have to replace at least 3 pairs of shoes, which in the end will be much more expensive than if you immediately buy an expensive high-quality pair. In addition, do not buy, for example, a doroguschy TV, if you have a normal in good condition. No, you can buy something, of course, you can, but then you will not have enough money for the essentials. If buying some expensive thing is your dream, then it's better to wait a bit. To begin with, you need to learn how to save money on utilities and other small things, and save the saved funds for the purchase of the thing you are dreaming about. Therefore, let us begin to consider ways to save electricity.
15 Ways to Save on Electricity
Electricity consumes up to half of the funds,deferred for payment of utilities. Therefore, everyone should know how to save money on electricity - you really want to reduce your expenses for this once in two? First of all, you should warm your home well enough so that there is no need to purchase various electric heaters and fireplaces. What should I look for when warming the house? On windows, doors, heating systems, balconies and loggias. Windows and doors should be insulated by closing gaps, sealing the porch of doors and windows, installing a second entrance door, replacing cast iron radiators with aluminum ones, glazing of loggias and balconies. In addition, you should not curtain batteries with curtains or cover with furniture. Also for heat radiators on the wall should be placed heat-reflecting screens. It is best to install modern plastic windows in the dwelling, which will not only help to keep the heat in the house, but also will reduce the noise level. And now specifically about how you can save electricity. There are about 15 ways to save it in everyday life. We will now consider them.
We save water
Prices for water supply are growing at least as fast aselectricity prices. Therefore, you need to reduce water consumption if you want to learn how to save the family budget. Let's talk about how to do it right. We came up with eight household tricks:
We save gas
As you know, 80-95% of the gas consumption falls onHeating the house and providing it with hot water. Therefore, speaking of saving gas, we can talk about direct heat savings. In our article, we have already talked about how you can keep the heat in the house. To this you can add another measure, such as the covering of ceilings and walls with a quality plasterboard. Also, it is not superfluous to install on the batteries three-way valves and bypasses, which allow you to adjust the temperature. In addition, the gap between walls and batteries should be at least 3-5 cm. If the heating boiler, boiler or expansion tank are in a cool room without additional heating (for example, in the basement), they should be thermally insulated. Also it is necessary to heat the meter by 2 all pipes coming from the boiler. If one of the rooms is much hotter than the others, you should not open the windows to remove excess heat, and wrap the battery in a blanket or a substrate under the laminate or install in such a room thermostatic mechanisms. These tricks, of course, must know the man. Therefore, let's read this section of the article to your husband - let him provide gas saving. And we, women, will be closer ways to save money on paying gas related to cooking food.
Well, here we have considered the main waysreducing the costs of the family budget. We hope that you will no longer have a question, how to learn how to save money. Just do not forget that the wallet is not rubber. For all your carelessness and too lazy money may simply not be enough, so it is very important to learn how to save money by all means. After all, then you and your dream can be implemented, postponing the savings, and your child once again please a good toy. And my husband will never call you a spender! We advise you to read: