The amazing thing is: if a person receives a salary of 12 thousand, he spends a month was 12 thousand, and this amount to him enough to live on. If a person earns 120 thousand – it has to do something with all 120, without a trace! No wonder they say: not the rich, who have a lot of money, but one who lacks revenue.
How to save money?
The most important thing to remember: monitor all costs! Otherwise, and in fact will not suffice any means …
And to make it easier to learn how to save money, to implement in daily life 1 recommendation gradually. You’ll see, after six months of spenders turn into economical and reasonable hostess.
Rule #1: Do not make impulsive purchases!
Buy only what is pre-planned. Temptations around – a great variety of nail polish and lipstick to cakes and sausages. So you can spend any amount, you must agree! In addition, not trying to keep yourself from unnecessary expenses, you simply clog up your home unnecessary items. Kept repeating to myself, “shopaholic – a mental disorder, I am not a shopaholic!”
Rule #2: Do not believe advertising
The more often you hear on TV and radio advertising shampoo or pads – the more expensive items. The cost depends not only on quality, but on the overhead costs, including advertising “eats” the most money.
More accurate information about a particular product you can get from friends and acquaintances that they enjoyed and were satisfied (or dissatisfied). They do not need to cheat, they will tell you the truth.
By the way, do not really believe reviews on different forums. Most of them – hidden advertising (or anti-advertising competitor product).
Start your day with the planning. It’s not so boring, even interesting.Soon you will enter into the taste, you will even passion: and if I can hold out for a week, planning all costs and without deviating from the intended course? A month? But six months? ..
Write it down in a beautiful notebook all cash receipts and all expenses. At the end of the month by viewing your recording, you’ll probably be surprised at how much money has been wasted – just on a whim, to harmful candy and cookies on a china figurine stupid or another bowl, bought spontaneously.
Maybe next month you give up part of unnecessary purchases, because you just a shame will make them into a report.
Rule #3: – is delayed!
For vacation and come and go have a rest no matter what … Or so: that year going to make repairs, but it will never have the money … Sound familiar?
There is an exit! Right from the start today to save money. That is, with each income – salary, bonus, gift, alimony, royalties, etc. – neatly separated, say, 20%, and adds somewhere in a secluded place. Come count up how much you will accumulate over the year! Probably enough for repair and rental!
If you are afraid that it is not able to stand and to spend some emergency supplies, can be attributed “stash” to the bank. Though small, but still nice. Or give the amount of the deposit of the person to whom you trust: my mother, a neighbor, a close friend.
The main thing – put off all the time! Each treasured replenishment amount will grow, bringing a day of rest, repair, buy a car or new furniture.
Rule #4: Give up credits!
They bring a lot of damage! Take a calculator and count how many you overpaid for the car or a plasma panel, if you buy them on credit? Interest, commission, payment services of the bank … Do not it be easier to wait until builds up the correct amount?
Another thing: buying on credit, such as appliances, you are paid for months for her money, whereas during this time, most likely, there will be new models, better and more cost-effective.
Rule #5: The ban on large purchases on payday!
Moreover, a categorical prohibition. Coming out of the accounting (or departing from an ATM) with a large sum in the hands, you probably feel an incredible lift and a feeling of euphoria, I have enough money, I can afford to let a lot! And here and there.
Let your duty will be to bring home all the money that day. Spending will begin tomorrow, when the euphoria subsided a little and come to the fore the necessary expenses: utilities, the same 20% of the rental, and more. What’s left? Not so much, right?
Here’s a good rule of thumb is your monthly income translate into dollars. What happened? Suppose 500. Then, on the day you can spend no more than 500 rubles. This rule helps to keep wages and “stretch” it for a month and not spend all of the money in the first week.
Rule #6: Spend cash only!
Pay by plastic card – a convenient, fast and easy. As simple and fast with her funneling money: after all, you do not see them, do not hold in your hands, do not part with cherished every denomination. Just a piece of plastic – and how many unnecessary purchases it makes us perform!
Cash is not so easy to spend. With them, it is a pity to leave. Therefore, it would be a very effective way of saving money the family budget.
Rule #7: only over the counter!
Optimize all utilities and other mandatory costs. If you still do not have water meters or gas – Be sure to install! Or perhaps a new Internet provider whose rates are much lower than that to which you have a contract? Find out!
Rule #8: trust but verify!
If you prefer to buy fruits and vegetables and other products on the market, do not hesitate to follow the scales seller. If you bought a kilo of tomatoes doubt – check it to control the balance that must be in every market.
And some are very meticulous person to market your own steelyard! Carefully verify the change. I had never seen, the seller cheated in favor of the buyer, only the other way around.
Rule #9: beggars – no!
There is such a variety of people who love to ask for money in debt! Do not give. Just learn to say a firm “no.” Especially if you know that person well and I am sure that will have to wait long for the return of the debt, and not the fact that it will be returned. This is – your money, and you have the right to spend it on himself and his family, rather than strangers.
You may ask: how is it, nobody really help? Well, why not. You can help the money as far as possible to those who has shown great promise and ever repay a hundredfold, not necessarily in cash. I’m talking primarily about children. Help the good friends, which is not eaten a peck of salt. They will certainly help you, too, and not just money.
Finally, to help parents. It’s – the return of your debt.