very person who receives money for his work at least once in his life wondered how to learn how to save this money. Also, many people know another pattern. Costs and needs often grow faster than income and opportunities. It is for this reason that the next and long-awaited increase in wages disappears without a trace in the bottomless family budget and does not have a stabilizing effect on it, which could be expected from it.
All this stems from our wrong attitude to money, from the lack of the ability to save it. The situation is aggravated by the fact that modern society is promoting the cult of unbridled consumption. We are skillfully imposed on stereotypes that force us to consume much more of our real needs.
Aggressive advertising forces us to buy things that we could easily do without. So how not to be led by marketers, how do you save your hard-earned money? This is what we want to talk about in this article. Tip 1. Make yourself save.There are very good reasons for this.
No amount of income will make you rich if your expenses match. It’s not very reasonable to hope that if you’re unable to handle your money right now, it’s going to work right away as soon as you have a lot of money. Believe me, this will not happen. All rich people who made their fortunes by their labor were very frugal
Read the Rockefeller story and you will find a lot of interesting things in it. If his story seems to you far from modern reality, then here's another example - Warren Buffett, who is consistently in the five richest people on the planet. Its main principle is to save and invest. Therefore, make a decision for yourself and start saving right now. Remember that saving means paying yourself.
Tip 2. Keep a personal budget. Write down all your expenses and income. Do it in any form convenient for you in a notebook, in an Excel spreadsheet, in a special computer program. Search the Internet for programs of the "Home Bookkeeping" class, designed for accounting for personal finances.
In addition to direct accounting of income and expenses, these programs provide a variety of analytical reports and graphs that clearly reflect the items of your money dynamics. All this will allow you to see what you can really refuse, what you can save on and what costs you cannot get away from. There are very few things we really need. In all other cases, we find thousands of reasons to justify our expenses to ourselves.
Tip 3. Get out of debt.It will be very difficult for you to save if you need to pay interest on a high rate loan every month. Life situations and loans may be different, but it is unwise to take consumer loans at current interest rates. It is better to tighten your belts tighter and collect the required amount within a few months and buy the thing you need, than to overpay for it one and a half amount, taking into account the loan payments.
Tip 4. Use discount cards.Give preference to those sellers who have issued you discount cards, or simply provide good discounts. If the cards are not named, you can exchange them with your friends, neighbors or work colleagues when shopping. Let's say that today you shared a card from a clothing store with your neighbor, and tomorrow you needed to buy something from household appliances and your neighbor just happened to have the right discount card. In this way, significant savings can be achieved.
Tip 5. Get rid of bad habits.If you do your home bookkeeping conscientiously, as recommended in tip 2, you will very soon notice how much of the cost of smoking and purchasing alcoholic beverages is. Give up these habits and you will not only save money, but also time, and also be able to improve your health.
Tip 6. Pay your bills on time. All bills issued to you need to be paid on time if they involve payment before a specific date, after which the accrual of penalties and fines occurs. Paying these bills on time will save you these unnecessary additional costs. Tip 7. Use less.
When you wash your hair, try using half the amount of shampoo you normally use. Did you wash your hair as well? Wonderful! Then why spend more and more often buy shampoos, toothpastes, soaps, powders, shaving foams and other household goods. The savings on them can be very significant. Plus, learn to economically use water, gas and electricity. Install counters on them. Do not leave your electrical equipment in standby mode constantly connected to the outlets, as in this case it continues to consume a certain amount of electricity.
Tip 8. Make bulk purchases.Sellers are always more profitable for one large buyer than ten small ones. Therefore, products and goods that do not deteriorate, you can buy in bulk once a month, or even a quarter, while insisting on significant discounts. Of course, no one will give you discounts in stores and supermarkets, but in the market it is likely.
Tip 9. Don't make impulse purchases.Impulsive purchases make up a significant part of the costs and can and should be dealt with. This can be done in various ways. You can go to the store and purchase goods according to a pre-prepared list and plan. Temptations and temptations to buy something unnecessary in this case will be practically reduced to nothing. If you succumbed to the impulsive temptation to buy some expensive item, but still doubt its necessity, then take a timeout for one or two days. This will allow you to think it over again, compare the prices offered for it by other sellers and make an informed decision.
Tip 10. Start a 10 percent account.Open a deposit account with the bank, on which you will be charged interest and deposit 10% of your income on it every month. Ten percent, this is some optimal value that does not have a significant impact on your budget, but can help you accumulate a significant amount in the long term.
This article has covered only the basic tips on how to save money. You may not be able to follow all these tips right away. But you should turn the desire to save money into your subconscious habit and then it is possible that the world will be replenished with another rich person in your face.