I can't save money for anything. How to save money with a small salary: the rules of savings

The first piece of advice to a person who consistently lacks money is to start earning more by getting a promotion or changing their occupation. But there is another approach, according to which our holes in the budget are from the inability to correctly save and spend savings. The article below contains some tips on how to learn how to save money with a small salary.

How can you save money with a small salary?

Often, it is possible to gain profit by the end of the month without changing the approach to spending in a major way. The first steps towards saving are the simplest, and you can really start to take them today or tomorrow. Here are some examples:

• Nutrition. At the peak of popularity among busy townspeople - ready-made breakfasts, lunches, lunches and dinners. Their advantage is clear: you do not need to spend time cooking, and the food itself is usually tasty and satisfying. But if you count the expenses, it turns out that deliveries, trips to cafes, restaurants and fast foods "eat up" up to 15% of income. Significant savings will be to cook yourself or eat at cheaper places (for example, buffets or canteens);
• Entertainment. Going to bars, clubs and cinemas, of course, makes life brighter, but it turns out to be a big waste. In addition to the entrance ticket, in such establishments they buy drinks, snacks and snacks at a price much higher than the market price. It is useful for the budget either to completely abandon expensive entertainment, or to spend wisely on them;
• Purchases. We are talking about daily trips to the store for provisions, when you can save money on literally everything. For example, instead of the usual 1 kg of sugar, take a smaller package - by 850 or 900 g. The same applies to meat, sausages and some dairy products. The damage to the diet is almost invisible, but the savings are significant - up to 10% per month;
• Sales. Holiday promotions and "Black Fridays", so popular in the West, are gradually taking root in our country. Most of all, you can save on expensive goods - buying household appliances, furniture, electronics, shoes and clothing. But do not forget about promotions in the nearest grocery and supermarkets: discounts include all the food you need at home;
• Bad habits. First of all, this category includes tobacco and alcohol - destructive not only for health, but also for the wallet of addiction. It is also worth excluding uncontrolled eating of sweets: 5-10% of income is spent on “sweets” per month.

How to save and save money - table

The basis of effective financial management is keeping track of your income and expenses. The most convenient way to do this is in the form of a table that you can draw by hand, build in Excel or Google documents. We've created a spreadsheet with which you can record your expenses and analyze where the most money is spent.

Expenses and Savings Accounting Table

To copy a table to yourself, you need to select the "File" menu item "Create a copy".

Saving a table

How to use the table to save money?

To learn how to save money and save up, in the table we have given the approximate budget of a young man, a resident of a Russian million-plus city. Consider how he can take into account the movement of personal finances:

• Monthly income- in our example, it is 43,000 rubles. salary + 9,000 rubles. bonus;
• In the column "Necessary expenses" we indicate what just needs to be paid. Usually this is a communal apartment, transport, Internet and mobile connection;
• In the paragraph "For savings" we mark the percentage of income that we take as a rule to save. In our example, this is 15% of earnings;
• Summing up all the income and subtracting the necessary expenses from it, we get the budget for the month - in the example it is 38,520 rubles;
• In order to stick to your plan, it is convenient to calculate a budget for each day. To do this, divide the monthly budget by the number of days. In August, there were 31 of them, so we get a total of 1,242 rubles.

Further, the table works according to the principle simple accounting... Every day, it needs to be filled with spending - trips to a store, cafe or restaurant, trips to the cinema or supermarket. The days where we managed to fit into the daily budget are marked in green, the days where the expenses exceeded the plan are marked in red.

If you stick strictly to the table, savings will start to grow. This is simple arithmetic that will help you save up for a vacation or a gadget, form an airbag and get rid of the need to take out a loan.

It seems that small income does not provide much room for savings. If you start keeping a table of expenses and exclude entertainment, bad habits and catering, what remains? Below are 15 personal savings tips everyone should try. The result is guaranteed.

Keeping money

Storing banknotes under a mattress or in a three-liter jar is, of course, methods proven by generations. But today, wisely saving and saving money means finding an application for it. Deposits are best suited for this purpose. Their opening can be timed to coincide with a major purchase - for example, an apartment or a car. As long as the savings are in the account, they "work" on your budget, bringing passive income... An additional advantage is that most deposits are opened for a fixed period, so there will be no temptation to spend money ahead of time.

In addition to classic deposits, banks offer accumulation services with payment cards. This can work in different ways: for example, each time the card is replenished, the bank will write off the interest on the deposit or simply add money to the account balance.

Competent goal setting

Experience shows that limiting yourself for the sake of the abstract idea of ​​"economy" is extremely effective. But a specific goal is very motivating - to go on vacation, change a car or buy a gadget. In order not to get confused, for each purpose in the bank, you can open a separate account or plan large expenses in advance (you can record them in the same expense table or application).

No debt

If a person has a lot of unsecured debts, we can almost say for sure that he does not know how to manage finances. Therefore, you should start saving by paying off and. If your funds are not enough, resort to on-lending. Find a bank with more favorable conditions and take from them new loan to pay off the existing one. This, of course, will not get rid of debt at once, but it will help to save some amount.

Savings on utility bills

Payment for housing and communal services is the basis of the table of expenses and that line that cannot be excluded. But monthly expenses can be reduced if:

• Use electrical appliances wisely. Namely - disconnect from the network if they are not used;
• Choose the right lighting. Turn off bulbs when leaving the premises, or use less bright lights when not needed for study / work. Spot lighting (sconces, floor lamps) and the replacement of ordinary bulbs with energy-saving ones help to save;
• Buy energy saving appliances. All household appliances are divided into classes depending on how much energy they consume. It is more profitable to buy class A devices. Even if they are more expensive, such models will help save energy in the future;
• Rationally use the available technology. We are talking about electric stoves, washing machines and kettles, which are more economical to run rarely, but load the full volume;
• Install counters. Installation is expensive, but you will definitely not overpay in the future, as universal tariffs suggest.

In the matter of saving, universal recommendations also work: consume less water, turn on electrical appliances less often and in smaller quantities.

Other tariffs and payments

In addition to the "communal", there are several other payments that we make on an ongoing basis - these are mobile communications, cable TV and the Internet. Having connected once, a rare user checks the tariff line. But over time, more profitable offer- both from the service company and from other operators and providers. Part of the costs can be "pull" unnecessary functions: paid antivirus, expensive channel package, unnecessary minutes for calls within the network. You should turn them off or think about changing the company.

Exchange and mutual assistance

Items and services can be exchanged, i.e. resort to barter. On portals like Avito, there are a lot of such offers: for example, get a cosmetic service from novice craftsmen for free or pick up an item from the former owner for a nominal fee. Here you can buy clothes, shoes, furniture and much more at prices below market prices. At the same time, the thing can be new, simply sold off hand, and not from the store counter.

Carpooling or car sharing refers to the same point - sharing a car when a user finds fellow travelers through an online service. This saves money on fuel.

Revision at home

On Internet sites, you can not only buy but also sell goods. Surely at home many have shoes, clothes, equipment or children's products that are no longer used. Perhaps some of the things were not used. All this is appropriate to place on the network in the form of advertisements for sale. If there is a buyer for at least a couple of positions, money can be set aside for that very "safety cushion".

Cash payment

Controversial advice in the age of technology, but it helps some to save money. The idea is to pay only in cash - this is how a person clearly sees how much money he spends on everyday life. This is especially true for cardholders with contactless payment: with such plastics, small purchases are made instantly and often, alas, uncontrollably.

Minus cash - you can't connect cashback or expense tracking apps to it. And fewer and fewer people today want to tinker with bills and coins.

Stop borrowing money

Before you start asking for money, think about whether you need this thing, whether you can do without buying it. And only if it is really necessary to resort to the help of acquaintances.

Shopping lists

While expense tables help us analyze what we've already spent on, lists are a planning element. Having sketched a list of products in advance, in the store you will no longer collect a full basket of "sweets" and goods for promotions that you do not need. By the way, writing on a piece of paper is optional. There are tons of applications for smartphones, where such lists are more convenient to maintain.

Expense accounting applications

Designed for mobile platforms, such programs resemble expense tables, only they eliminate the need to calculate for yourself: debit and credit are automatically reduced. Applications generate statistics themselves, help save money and remind you of mandatory payments (housing and communal services, rent, Internet, etc.).

Some programs are fully automated. For example, in Zen-Money, users do not have to manually enter their expenses at all. The application itself imports transactions from Sberbank, Alfa-Bank, Tinkoff Bank"," Yandex.Money ", Webmoney or QIWI, and then calculates the total expense.

Using bonuses

Today, almost all shops and establishments are chain stores. This means that they offer clients to participate in bonus programs Oh. Unlike sales, bonuses are not available to everyone in a row, but to select buyers - those who have issued discount card or registered on the company's website. Such functionality should not be neglected. Stores are very interested in retaining old customers, so they often make great deals.

Cashback cards and services

Cashback is a refund of part of the funds for payment for goods or services. You shouldn't be afraid of this option: companies use cashback for marketing purposes in order to attract new customers and retain old ones. And for us it is real way earn, and in several ways:

• By registering in the cashback service. Such sites redirect buyers to online store sites, and make a profit for intermediation. Part of it goes to users in the form of cashback. The percentage of return depends on the store and the category of goods, but usually it is 1-3% for a purchase;
• By applying for a debit or credit card. This method is even simpler: the holder simply pays with plastic, and the percentage for purchases is charged automatically. Banks offer two types of cashback - in the form of "cash back" or the accumulation of bonuses.

The cashback option was also introduced by mobile operators from the Big Four - MegaFon, Tele2, Beeline, MTS. Their subscribers are offered individual promotions or a stable refund at the end of the month (up to 20% of the payments made). However, you can only spend this cashback on Additional services operator.

The obsession with discounts

Sales, bonus programs and cashback services have a significant disadvantage - people tend to get hung up on them. As a result, purchases are made not because the product is needed in this moment or for the future, but simply ... because of the discount. To spend wisely on promotions, they should be correlated with shopping lists. The main rule is to take only what we have planned, ignoring the tempting price tags.

Reasonable savings

This point follows from the previous one. It is important to know the measure in everything, including accumulation. There is no need to set the goal of the unattainable (for example, save more than 20% of income or completely eliminate entertainment from life). A smart approach to how to learn how to save money with small salary, is formulated as follows: saving for life, not life for saving.

If you have previously been interested in information on how to properly plan personal budget and read some articles on this topic, you probably remember this thesis that every month 10% of your own income should be set aside. Many experts in the field of finance note that in this way a person can quickly create a "pillow financial security". You can save money not only for a “rainy day”, but also in order to subsequently be able to make some kind of large purchase, which you cannot “master” with one salary. In any case, having a strategic financial reserve at home, you can be sure that any unpleasant situation tomorrow will not turn into a personal disaster for you.

How much money to save

If you want to learn how to accumulate money, you need to understand how much to save. It depends on whether you want to save money for something specific or just like that. You don't have to spend at least 10% of your income every month - make it a "golden rule" for yourself. We got the money, counted out a tenth, removed it and forgot it. If you have enough self-control, you can keep money at home. If you are afraid that the temptation to spend finances will be too great, use the services of banks. Open a deposit for which you can transfer the amount you have decided to save every month.

How to save and save money

For saving money to be truly effective, you need to plan carefully. own budget... To get started, just try to write down every day (down to a penny) how much you spent. Save receipts from supermarkets, make notes about trips to the market, paying for public transport, etc. After a couple of months of total control of finances, you will be able to calculate useless and unnecessary expenses that can be painlessly eliminated.

Learn to save money. Make a shopping list and stick to it strictly. Avoid unnecessary expenses: coffee breaks, spontaneous purchases, etc. You will be able to release a huge amount of financial resources that go "wrong".

Where to save money

If you have planned a large purchase, which will take 2-3 years to collect money, at least make sure that your money goes to the bank. Choose a reliable financial structure- a bank with a good reputation, responsible to its customers. And open a deposit. It is necessary not only in order to limit your own access to deferred money, but also so that inflation does not eat up your money over time. The replenished deposit can be filled with money every month immediately after receiving the salary. The interest on the deposit can be kept in the account or used as additional income.

What can you save money for

In order to learn how to save money, you yourself need to define your own goals. That is, why are you doing this, what are you planning to spend your money on in the future. The more specific and clear your goal is, the easier it will be for you to save and painlessly give up a certain percentage of your income for a while. The goal in this case will also play an important psychological role: when you know what you want, it is more difficult to take and in one fell swoop to spend the money that is inherent in a future dream. You can save up for anything: from a good laptop and an expensive gadget to a car and your own apartment in your favorite area.

How to properly save money from your paycheck

In order to avoid the temptation to spend extra money immediately after receiving your salary, set aside the pre-planned amount to your bank account. If you use online banking, and you receive your salary, you can set up an automatic payment in the system, which will automatically transfer 10% (or the amount you have set) of the amount to a deposit account upon any receipt of funds on the card. It only now seems as if this does not suit you (it is not convenient), that it is impossible to foresee all the circumstances. Over time, you will understand that you do not need the saved money now and today.

Advice from Compare.ru: Consider your own expenses wisely. This is the only way you can quickly learn how to plan finances and spending. Statistics show that almost any person spends up to 30% of the money earned in vain. Check it out and see for yourself!

Content

Everyone faces the problem of lack of money. Even the oligarchs do not always have enough for their needs, they just have different needs. At some point, the question arises of how to learn how to save money, so that, starting from a small and large salary, additional earnings, accumulate a certain amount for the right thing, a long-awaited vacation at the sea, realize dreams, just replenish a wallet or collect an insurance amount for crisis situations ...

How to save money correctly

How to learn how to collect money in modern world? Many who have decided to start saving, rush to extremes, start saving up absolutely all funds and stop buying even the necessary products, cut back on their diet, live according to the principle of "home - work" without vacations and entertainment. The amount can be impressive, only the joy of life disappears, and the money deposited in the box, due to inflation, will still gradually depreciate.

In order to competently develop the ability to save, learn to control the budget and not give up a full life, you should initially revise your costs in relation to profits, assess the feasibility and priority of spending, the importance of large purchases in the future. Often, after compiling such a list, it comes to the understanding that a significant share of the salary goes to absolutely useless goods and entertainment.

Correct goals and benchmarks

Thanks to intrusive advertising, the modern consumer has formed a persistent addiction: you need to constantly buy new technique, clothes of famous brands, so as not to be seen as a rogue in the eyes of others. The only problem is that everyone else is exactly the same addicts from shopping with imposed stereotypes. New model An iPhone or a car is rarely much better than the previous one, and the importance of public opinion is greatly exaggerated.

Regardless of what you want in the future (buying a car, equipment, rest, something new for your family), you realize that you need to allocate a certain amount from the budget for this. You should determine for yourself how urgent this purchase is. The first rule to adhere to is that the deferred amount should not infringe on a fulfilling life. Experts recommend starting to save monthly minimum amounts (10-15% of income) immediately after receiving your salary. This will form the habit of counting on a specific amount per month.

It is really correct to save for really necessary things, to understand how to learn how to easily save money is simple. For example, it would be stupid to buy a beautiful, but little-functional gadget if the market is presented with a more expensive, but modest and most useful one. Another example: the refrigerator broke down and a vacation is scheduled at the same time - which is more important? The overwhelming majority will say that it is a technique, and they will be right. A refrigerator is a thing of constant need, and rest can be reformatted to fit the prevailing reality.

Creation of a "safety cushion"

No one is immune from emergencies: an accident, an instant rise in the price of goods. Many are unsettled by such moments, because people are financially unprepared. In order to avoid this situation, you should set aside the stock every month. Money... Naturally, this will be a certain amount from total income... Its volume is determined by everyone himself, but experts suggest saving about 5% of income for such an emergency reserve. Therefore, you need to know how to learn how to save money competently, and where to keep a financial cushion.

Accounting for income and expenses

Another way to indirectly save money is to write to a table or diagram of all financial transactions for a certain period of time. At the same time, you need to enter absolutely everything in the "cost accounting" column, up to payment for travel and candy bought at a sudden desire. Practice shows that when analyzing, it becomes obvious on what spontaneous purchases, unnecessary spending can be cut additional expenses and understand where most of the money goes.

Economy mode

Saving does not mean that you need to deny yourself everything and live on water and bread. This means that it is necessary to abandon useless spending, which occurs on the principle of "just wanted". The money saved is not used for anything other than its own purpose (emergency situations do not count). Saving is control over the communal component of life (water and electricity consumption), refusal of excesses, such as constant food in cafes and daily parties in clubs, aimless investment sums of money in entertainment (donate to online games).

How to learn to save money and save

Oddly enough, according to statistics, people who grew up in an era of scarcity are much better able to save and accumulate money. This is due to the fact that the product or service had to wait, and the quality had to be checked. Even in modern realities, representatives of the older generation give priority to quality goods, manage the family budget. This is the main principle of saving and how to learn how to save money - not to buy something that does not work longer than its own warranty period, use only proven services with a guaranteed result, refuse unnecessary purchases.

Shopping list

A good habit and a way to save money is not to go to the grocery store without a list. Without it, a person is maximally exposed to the risk of spontaneous purchases and, having come for milk and bread, can leave with a full basket. It is desirable that the list also contains prices, and money should be taken in excess of the entire amount by a maximum of 5-10%. Then even the most difficult habit of spending on something unnecessary will break down on the elementary lack of cash.

Refusal of loans and credits

In this case, everything is simple, the desire to buy something instantly with a quick loan often erases from the head the realization that a large amount will have to be returned with interest, in fact - to buy a thing more expensive than it costs. At the same time, most consumers are quite capable of saving up a certain amount. Taking out a loan or a loan is justified only in emergency cases (it does not apply to business and its development, but this is a completely different topic).

Shopping on demand

Buying things should be as subordinate to expediency as possible. Bright discounts on branded goods, cheap sales push for rash purchases (often women), which later only take up space in the closet. Psychologists recommend that when a persistent desire to buy something appears, wait a day and think about the need for this thing. As a rule, the next day the temptation to spend money is useless goes away.

Diet revision

It is not necessary to switch to the minimum set of products to save money. From the list of food costs, you can see how much is spent on purchases that are useless from a nutritional point of view: chips, soda, fast food, small sweets. In addition to a significant blow to the budget, this is also significant harm to health. It is worth giving up them - it will give real savings and the ability to channel money towards more beneficial spending.

How to learn to save money with a small salary

Low wages plague most of the residents. At the same time, all strata of the population consider it insufficient. However, you can save a certain amount even from a small income, if you plan your expenses correctly, give up thoughtless spending and keep track of expenses. The main thing is to train yourself to really look at purchases and their importance in the context of the current day, and the principles of how to learn how to save money correctly are always the same.

Housing and utilities expenses

These expenses are in second place in terms of volume after food. Modern technologies will help to save on communal services 30-50% (LED lamps, solar panels, water pressure regulators, aerators for taps). A one-time investment in such devices pays off in a month. Separately, you need to accustom yourself and those around you to monitor the excessive consumption of electricity, water and gas, not to turn on appliances unnecessarily.

Savings on food

First of all, you need to revise your diet and research the market for replacing branded products with cheaper, but identical in quality, analogues. The comparison often works in favor of budget options (pasta, cereals, milk, etc.), because they focus on the product itself, and not on brightly expensive packaging. You should refuse to eat in cafes and paid canteens during working hours, and take lunch with you from home (in addition, it is also more useful), you need to wean yourself from buying too much.

Bad habits

Savings rules apply to this area as well. A simple calculation of the amount spent on cigarettes for at least a week effectively helps to abandon tobacco, especially for those who smoke at least a pack of cigarettes a day. A daily bottle of beer in the evening, not to mention large volumes of alcohol consumption, also seriously adds to the expense item. This is even without mentioning the harmful effects on the body. Therefore, it makes sense, if not to completely get rid of bad habits, then not regularly squander money on them.

Recreation and entertainment

Not everyone is ready to sit at home every evening in front of the TV, computer or book, learn to appreciate loneliness. Man is a social being who needs emotional relief and a change in activity. An adequate substitute for regular clubs and going to the cinema can be communication with friends and acquaintances, spending time together without significant costs for entrance tickets, overpriced in a bar or restaurant. There are many options:

• going out into the countryside with a company: even within the city, you can relax without unnecessary spending;
• parties at home instead of clubs and discos;
• free events that are organized by the city administration or institutions.

Ways to accumulate money

How to save money and not spend it unnecessarily? Competent savings will help you accumulate money even if your salary is not the highest. Accumulating them may look like keeping at home or investing in securities, metals, currency. Most banks offer to open savings accounts, where funds will gradually generate income. It is worth recalling that putting money into a piggy bank at home does not justify itself in a modern economy, because inflation will gradually devalue it.

The five envelope rule

The principle of such distribution of money is to properly manage funds. The payment is deducted from the entire family income at the beginning of the billing period utilities, transport costs, obligatory payments (loans), basic necessities, the deposit part. The remaining amount is divided into four envelopes: one for each week of the month. The point is that, unless absolutely necessary, the next one is not opened until the end of 7 days (ideally, until the first runs out of money). The fifth envelope is a safety envelope for the rest of the month.

Opening targeted savings accounts

Banks offer services for the accumulation of funds for the most different percentages... It is important to remember that serious financial system, which has been on the market for many years, will not offer sky-high annual interest... Let it be a small income of 5%, a slow accumulation process, but in a time-tested bank. Gradually, the amount on the account will grow, and the client will have a guaranteed supply of money. Important advice: putting a large sum in one organization is not the most sensible idea (even Swiss banks are not insured against force majeure).

Free money should generate income

The process of accumulating finance must be profitable, otherwise inflation will reduce it. In addition to bank savings accounts, shares of companies are gaining popularity, the purchase of apartments for rent or shares in a developing business. This does not require exorbitant capital. For example, people who invested in the development of a spinner (collected $ 10 each) are now making money on the general mania without doing anything. You need to find the most attractive way to invest free money and get, albeit a small, but constant profit.

Which bank is better to save money

It must be remembered that savings deposit(deposit) and account differ significantly in terms of the use of funds, the possibility of early withdrawal of money and the interest rate. When choosing, you should take into account these nuances, that to increase your capital, and not stay only "with your" savings. There is no unequivocal answer which method is better, since these types of savings pursue different goals for the bank itself and for the depositor. TOP offers for savings accounts and deposits, regardless of financial goals:

Not sure how to save money and not spend it? People justify their failures with various excuses: low salary, lack of willpower, high costs. In fact, it is enough to change your lifestyle and introduce a few good habits into it to create "extra" money for savings.

The incentive to save money is the desire to make yourself a serious, independent and financially responsible person.

You may be happy with your salary now, but think about the future. What will happen in 20 years? Are you sure you will stay in the same job? What if a disease or the need for large purchases comes up?

How to start saving money and not spending it: step by step instructions

As soon as there is an incentive to save, proceed to the implementation of the plan:

• Call the bank and find out what programs are in effect for savings.
• Install an application that allows you to keep track of expenses and income. Such a table will help you understand how to learn how to save money and save it.
• Analyze costs. Try to avoid useless purchases.
• Determine how much you need to set aside each month to pay your mortgage, utility bills, and other mandatory bills.

Choose a saving method that suits your lifestyle. For example, it is convenient for some to set aside 10% of wages, while for others it is a fixed 500 rubles per month.

When creating an individual plan for saving money, take your time. Within a week, go back to editing it 2-3 more times.

How to quickly save money: working schemes

The more difficult the financial part of life, the more time and effort it takes (there is a risk of making a mistake). Find the optimal savings scheme and strictly follow it.

Savings account

To plastic or credit card you can attach a "piggy bank". It is easy to replenish it, and to withdraw savings at any time.

Draw up a savings account in the same bank, of which you are a client. You can freely transfer money between accounts. For example, in Sberbank you can learn in detail how to save money using their plastic cards.

The disadvantages include the ability to withdraw funds at any time. This feature is also regarded as an advantage, because an unforeseen situation can happen at any time.

Non-reducing bank deposit

A bank deposit is another way to save money for a rainy day, but at favorable interest rates.

When choosing this method, consider its disadvantages:

1. The bet is canceled in case of early withdrawal of the entire amount.
2. Transaction fees.
3. Expense transactions are performed at the client's side.

The advantage of the scheme: the fear of losing interest will help avoid rash purchases.

Metal accounts

Metal accounts are suitable for people wary of currency depreciation. There is no need to buy gold bars here - buy grams. Their equivalent value will be displayed on the account.

Follow quotes precious metals to sell or buy profitably. This accumulation strategy is suitable for those who can plunge into the world of trading and monitor around the clock market value goods.

Individual investment account

You put a specific amount into a bank account, entrusting your savings to bankers. They invest in a business, then return the money to the depositor with interest.

The disadvantage of this method is that there is no insurance. Choose a trusted bank with a decent reputation.

How to save money for an apartment?

Saving up to buy a home is easier than it sounds. You have a goal and motivation, but little is left - to earn and save.

How to save money for an apartment:

1. Postpone part of your salary. Decide on the approximate cost of the apartment and terms. After that, create a plan or spreadsheet for how much you need to set aside each month to collect the amount on time.
2. Take a loan. This option can be considered if you have nowhere to live and you need to buy an apartment immediately. Please note that upon completion credit term, the paid money could be enough for 2-3 apartments.

The disadvantage of the first method is that if you have a low salary, you will be able to buy an apartment from the accumulated funds in at least 10 years.

How to stop wasting money on bullshit?

To understand how not to waste money on nonsense, start a record of expenses and income. So it will become clear how much money is spent on a daily basis and what exactly.

A common reason for rash shopping is short-term pleasure. Buying a new thing, you feel euphoria for 2 days. Psychologists advise not to rush: take a thing, walk around the store with it, looking at other goods. Think about whether you really need it, ask yourself this question several times. The desire to buy something will weaken, and you will be able to pull yourself together.

Useful tips and life hacks on how to accumulate the required amount

People can be divided into two categories - those who know how to save and those who know how to spend wisely. This can only be learned by instilling healthy financial habits:

• Make a shopping list throughout the week. This way you can be sure that you only get the products you need.
  Check paid subscriptions that are automatically charged.
• Study the terms of the tariff plan. Operators connect a lot of paid services that users don't even know about.
• Issue and use discount cards. The method will help save money not only for an adult, but also for a child.
  Don't waste your savings on other purchases. It doesn't matter if the phone is broken, a friend's birthday is - the money from the "piggy bank" should be spent on the planned thing.
• Do not give up. Even if you broke off and made a rash purchase, it's never too late to realize a mistake and continue to go towards your goal.
• Do home bookkeeping. This will help eliminate rash purchases, as well as understand what to spend your salary on. In addition, at the end of the day, you will be able to analyze your financial behavior.
• Think carefully about each purchase. Do not hurry.
  Don't borrow. It instills the habit of living beyond our means.
  Start a piggy bank (you can use a bank). Put coins and small money in it.
• If you have a minimum wage, find a way to save at least $ 200 a month.

Why you can't save: common mistakes

Ignorance of the financial mechanisms and technologies of accumulation leads to the fact that people accumulate incorrectly and make mistakes that can be avoided.

Bad financial habits and the right ways to save money:

• Set aside leftovers. It's difficult to make plans if you don't know how much you can collect in six months. In addition, by the end of the month, there is rarely at least something left from the salary. Set a fixed amount.
• Ignore discounts. Don't miss the opportunity to save money.
  Don't know what currency to save money in. For example, savings will be spent on vacations in Europe. So, save up in euros.
• Stay “in the red” between salaries. Regulate your life so that the salary is sufficient for everything you need.
• The lack of a goal of accumulation. Having a specific goal psychologically reinforces the desire to accumulate money.
• Carry with you large sums... It will be tempting to buy something extra, so limit your budget.

In theory, these schemes are simple, but in practice, problems can arise. Do not worry, over time you will learn to negotiate with yourself, control desires and effectively save money. Then everything will happen automatically.

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Despite the fact that in modern society it has become fashionable to live "on credit", many people decide to choose a less easy, but more correct way of getting rich and ask themselves the question: "How to save money?"

Various kinds of loans are a trap for a person who wants to be secured. Loans only temporarily create the appearance of material well-being. In fact, for this "pleasure" you have to pay a considerable price: the money must be returned in an amount, on average, forty percent higher than the amount of the original loan.

It is worth considering whether there is at least one rich person who lives on credit, and? Wealthy people are financially literate, so they take good care of money, make successful investments and invest.

Some people do not understand how to save money, if they are barely enough for life "from paycheck to paycheck", others cannot resist unnecessary expensive purchases and suffer from their wastefulness, and still others just live rich life without thinking about what they spend large sums... So how do you save?

People who can and cannot save money can be found among representatives of the population with incomes below average, medium and high, but the percentage will be different.

The vast majority of poor people, unlike the rich, do not know how to save money. And to how to save money? A person who has earned a significant fortune by his labor will never buy an unnecessary thing, his expenses are always thought out and controlled, and the accumulated amount only increases.

A person with any level of income is able to accumulate an amount of money that can satisfy this or that need or need (the main thing is that it be).

Steps to Successful Accumulation

A person usually asks questions: “How to learn how to save money or to how to save money? "When already experiencing a shortage of them. A need or desire arises that cannot be satisfied immediately due to a lack of funds, and then a decision comes to save money.

• The first step on the road to successful cash accumulation is knowing the goal. What do you need money for and how much will it take?

Sometimes a citizen decides to just save money in reserve, people say “for a rainy day”. This is a goal, but not specific. It is easier to accumulate a certain amount for a purchase, a trip, rest, treatment, study, and so on, since such a goal is specific, which is why the will will be stronger.

If you are tempted to spend money on something unplanned, the image of the desired object (for example, a renovated apartment) will rather help to keep from wasting, rather than an ephemeral "for later". In addition, people usually do not know how much money they will need in reserve, while the price of a planned purchase or event is known in advance.

• Second step. How to save money? This will be helped by the analysis of expenses for the past time. What does the money earned usually go to?

The main items of expenditure are:

1. nutrition;
2. clothing and footwear;
3. household chemicals, household goods;
4. compulsory payments (utilities, Internet, telephone, transport, loans, etc.);
5. expenses for entertainment and recreation;
6. Unexpected expenses.

• You need to master home bookkeeping. During the month, write down every day in a table, where each column is an expense item, and a line is a calendar day, what amount and what exactly was spent.
• At the end of the month, summarize: what is the most money spent on, what is the percentage for each expense item, and, most importantly, you need to find those expenses that were clearly unnecessary, as well as what you can save on.
• Accounting and control of money can be carried out in a special computer program for home bookkeeping. On the Internet, you can find many similar programs and choose the most convenient one, for example, Toshl Finance.
• This step is very important because before you start saving money, you need to understand how to spend money correctly.

The percentage ratio between income and expense items is different for each person, and therefore the monthly amount for saving will be different. But the most suitable amount to start saving money is considered to be ten percent of your income.

The following formula demonstrates how to deduce this percentage:

100% - 50% - 20% - 15% - 5% = 10%

100% of income minus 50% of expenses for food and mandatory payments, minus 20% of expenses for clothing and household goods, minus 15% for entertainment, minus 5% for unforeseen expenses = 10% of funds that can be saved in a piggy bank.

If in a month it turned out to spend less money than planned, then it is added to the deferred ten percent, and not wasted. For example, over the past month, it was not required to purchase either clothes or shoes - there is additional profit.

An important rule of accumulation: don't skimp on entertainment! It is impossible to rest either actively or passively without spending a certain amount of money. If you completely abandon entertainment, the accumulation of money will be perceived as a dire necessity, worsening the quality of life. Accordingly, the likelihood of a breakdown will be greater, disappointment will come, you will want to give up on the cherished goal.

• Third step. How to save money and accumulate the required amount? Financial discipline is indispensable. Costs need to be controlled and manage money correctly.

If a decision was made to set aside ten percent of income, this must be done. TO how to save money? You can buy or make a piggy bank for money, or you can carry it and put it into a bank account.

Unfortunately, it is difficult to be one hundred percent sure of the safety of money in the bank, but still, if it is there, there is practically no temptation and opportunity to take it at any moment to spend on an unplanned purchase. In addition, the deposit involves the payment by the bank to its client of interest on the invested amount, that is, in addition to accumulation, you can receive passive income.

If you need to save up urgently

If, after analyzing your budget and determining the amount that you can save on a monthly basis, a person realizes that it will be possible to accumulate the required amount of money only in ten years, and there is no way to wait so much, the question is: "How to learn how to save money?" remains practically unanswered. Therefore, you need to understand to How to save money correctly.

If there is a time frame that determines the moment when the required amount must be collected, the algorithm of actions changes:

1. The period in which you need to accumulate the n-th amount of money, divided into months. Divide the required amount of money by the number of months and get the amount that needs to be set aside once a month.
2. Taking into account the amount that can be saved without prejudice, determine the items of expenditure that still need to be reduced in order to accumulate money in a short time. Simply put, find what you can save on and how to save money... You may have to give up a lot, but if the goal is desired, you can tolerate a little.
3. If you cannot find the item / items of expenditure that can be "cut", then you need to either increase your income (look for a side job, passive income, change jobs, etc.) or postpone the goal.

For many people, the question: “Where did the money go?” Is rhetorical and implies the answer: “To nowhere again!”. Once you start doing home bookkeeping, you will be able to see exactly what the funds are being spent on and start. One may be surprised that funds can be accumulated simply by keeping records and records of family income and expenses.

The psychology of frugality

How to save money? To understand how to learn how to save and how to save money, you need to learn the principle of accumulation: you need to limit yourself today in order to receive benefits tomorrow.

This principle must be kept in mind and remembered every time there is a temptation to spend money on an unnecessary thing.

The following recommendations help to maintain a high psychological attitude:

1. More often visualize the image of the goal and feel the joy that will arise when the desired amount is accumulated and spent for its intended purpose.
2. Convert the purchase price into business hours. How much does one hour of labor cost at work? And how many of these hours will have to be given in exchange for the purchase of this or that product or service? Understanding that, for example, you need to pay for a new shoe with a week of working hours makes you think about whether to buy this expensive thing.
3. Pay with cash, not with a plastic card, since the money that was in your hands is morally harder to give back than those that you did not even manage to see.
4. Communicate and consult with people who have managed to accumulate the amount necessary to make their dreams come true, adopt their rules for handling money. You can and should take an interest in the biographies of rich people, find out their secrets of success, and also read the works of authors writing about the psychology of wealth (R. Kiyosaki, B. Hedges, M. Fisher, J. Kehoe and others).
5. How to save money? Live on the same amount. Usually, with an increase in salary or receipt of money as a gift and in other cases of increased income, people begin to spend more. As income rises, needs grow, so it is important manage money correctly... To save money, it is better to save expected or unexpected premiums in the piggy bank as well. So the desired amount will accumulate sooner.
6. How to spend money correctly? Immediately after receiving income on hand, postpone the amount of mandatory payments. So you can protect yourself from the growth of debt, as well as reduce internal anxiety and tension.
7. Learn to appreciate and love money. A careful attitude to money is manifested even in the form in which it is stored: stacked exactly in the wallet from lower denomination bills to a larger one, or crumpled in pockets and different corners of the bag.

Love for money can be developed if you abandon negative attitudes (money is evil; big money by honest labor is not the other) and assimilate positive ones.

• grant freedom at the material level;
• give confidence in yourself and the future;
• help to survive in the material world;
• it is a force with which you can achieve a lot;
• help to fulfill their own and other people's desires;
• help to get out of a difficult situation, improve health, become more beautiful, and more;
• make life comfortable, bring joy, confidence, tranquility.

These attitudes must resonate in the soul, be perceived emotionally positively, and must be believed in.

Positive affirmations can help change perceptions and attitudes about money. For example, such: “I love money, so they love me”, “Money flows like a river to me”, “I spend money wisely”, “Every day I receive more and more money”, “I earn more money than I spend” ...

Positive affirmations need to be repeated several times a day for a month (the minimum necessary to consolidate the habit) consciously and carefully, aloud or silently.