How to save money?
The desire to save money is familiar, perhaps, to everyoneman. Of course, the goal of these savings can be very different - someone is not enough for a washing machine, someone on a mink coat, and someone in the diamond five carats - but the essence remains the same. How to save money and do not feel at the same time unhappy?
In order to start saving - delay -you must first find those "holes" into which the "funneling" money. It quite often happens that came out of the store with a half-empty bags, was surprised to find that there was nothing left in your wallet. And you do exactly remember that early in the morning there was something nice rustling.
Where the money goes?
In order to understand this, it is necessary totime to become a "clerical rat" - armed with a thick notebook and a pen. Try to force myself every day for a month to make absolutely all expenses in a notebook. Of course, business is tedious and unpleasant, but it is absolutely necessary. You want to figure out how to learn how to save money?
To ease the task, and nothingforget, get a useful habit to save all receipts. Well, maybe not "forever, forever" - otherwise you quickly will spam the entire apartment. At least until the end of the day. And there will be to rewrite all the precious notebook.
A month later, carefully review all the records. Certainly, you will find there is much that is instructive. Try to identify the "extra" expenses and those items where you can save.
I see the goal ..
Trying to save money and constantly indulge incute little things - a sad lesson. In order not to give up on this hand in a couple of days, it is necessary to clearly define for which you are suffering. That is - to set a goal.
However, the objectives may be several. The main thing that they were real - or a "hoarding" will bring nothing but disappointment and depression. It makes no sense as a doctor or a school teacher, to try to save up for a private jet. You just feel miserable and "unlucky".
Calculate and set yourself the exact date whenyour dream will become a reality. To sweeten a "months of deprivation", define milestones "big way". That is, any amount saved up that you can arrange a small celebration. Just try not to show off too much - otherwise all efforts will go down the drain.
Reduce the debit with the credit
In the light of a lot of people who just can not resist buying some cute, but not very correct things if they have the money purse.
Avoid unnecessary temptations of an easy way to help. Once you get paid, immediately set aside some portion - usually 10-15% - at the expense of the bank. Moreover, the expense is necessary to have this, from which to withdraw money will be difficult. You can do it even easier - to write a letter to the bank, and the money will be debited automatically.
For the "unexpected" income - Prize, the prize, etc. - Use the 50/50 rule. Do yourself a small gift to half the amount received, and the second place "in a jug."
In order not to be in the middle of the month with an empty purse, you need to make a list of mandatory spending. What to include? Typically, they are:
- payment of the mobile phone and the Internet;
- costs of transportation / petrol;
- on food costs;
- "Economic" money;
- education or training;
- Unexpected expenses
It was calculated?
Do not put the money in a "bunch" - Head of a few envelopes and place them back on expenditure. Then it will be clear where you are "behind schedule."
What to save? Little tricks
Clothing and footwear. Try not to buy your favorite thing at once. Better get yourself a special notebook and write to all vending "cloth", name of the store where you saw them and price. often enough that in 2-3 hours you come to the conclusion that this thing you absolutely do not need it and you do not what to wear. Then cross out ruthlessly from her notepad.
And what to do with those who really want andreally need to buy? Keep track of sales, and discounts. Learning about the sale, you can just call the store and ask about the availability of this model. So you save money and time.
Going on sale, do not forget to takea notebook with records. This will help you not get lost and do not buy unnecessary things. It is advisable to bring your girlfriend, whiner, which in an hour will start to moan that she felt dizzy, tired legs and she wants to fresh air.
Yes, do not bring a lot of money. You have the same approximate price recorded, right?
Hairdressing. This is a serious expense item, especially for women. And what is going well-groomed? Of course not! Conduct a survey among your friends and colleagues. Surely they can find the familiar hair stylist, receiving at home. This haircut will cost you much cheaper. The same applies to a manicure / pedicure and other "women's stuff".
Products. And again - lists. What is there to do? After all, you decided to find out how to save money, so all purchases must be a reasonable approach. Make a list of long-term storage products. They are best purchased at 2-3 months once, in wholesale stores or warehouses. There you can buy shampoo, soap, toilet paper, powders and other household stuff.
Think about what foods and in what quantitiesYou will need 1-2 weeks. Get a discount card nearest supermarket and go there. Carefully recheck the list and do not depart from it.
If you purchase in the supermarket network,look at the products released under its brand - usually they are cheaper. Pay attention to the material and the volume of the package - depending on the price of the same product can be different. "Catch" promotions - they can be found on a special price list.
Bank cards. Of course, credit cards - something very convenient. However, for those who are trying to save this payment method is not very suitable. There is always a risk to spend more than you had originally planned. "Real" money is much more obvious.
Consumer loans. Try not to take personal loans. What you extra debt?
After all, you already understand how to learn how to save money, right? So, soon enough you will be able to buy the right product for "their money", not the bank money.
Do the impossible is not here. You just have to set a goal and persevere in it.
You all must succeed!</ P>