How to learn to save money? The issue of how to learn to save money and save money is relevant to any level of wealth, since the amount of money spent and the feeling of inner satisfaction with their availability does not depend on the amount received, but is directly related to the ability to manage and make plans, because the impulsive squandering effect can ruin anyone . Under the savings does not mean the refusal of all, but rather the distribution of funds. There are many recommendations and techniques, business analysts and economists, psychologists and your friends can share different options for saving money, but each will be based on various factors that are most significant due to their specialization.
There is a popular way to learn how to save money, the essence of which is in the distribution of the sum of all income in four envelopes. The amount necessary to pay for a communal flat, repay a loan, pay for a kindergarten and other necessary things is deducted from the salary received, for example, and the amount that it was decided to postpone (usually about ten percent) is deducted from here - and this is what's left is divided on four envelopes, each of which represents a budget for a month, to exceed the cost of which is prohibited.
When people are interested in learning how to save money and save money, the first thing that many advise is to start a spending journal. At first, this idea may seem silly and nasty, and filling the columns with waste will create boredom and laziness. Take care of the initial attraction of your own attention to filling (get a beautiful notebook for this, or a barn book, like in old stores, and if the vintage is not yours, then download the mobile application - rather useful and beautiful things started to be published on this topic). In due course the habit will be formed, and the weekly calculation and analysis of expenses will be of interest and excitement, perhaps a complete surprise. The recording system does not limit you in any way, but it makes the process of spending more conscious.
Most likely, before you did not notice that a quarter of the money earned goes first to Pirozhenka during the breaks, and then to the gym for weight loss, or that taxi rides have become a way for you to travel because of a forgotten regular umbrella. You can learn a lot of interesting facts about your personality by tracking the history of purchases, and if you then compare this with life incidents and dig deeper into the model of interaction with the world, you can get excellent personalized training for personal growth, without paying a coach. The main rule in the recording of expenses is to record absolutely everything, even travel in a trolley bus and pennies given to the poor (and write "charity: fifteen kopecks").
Next, we will take a closer look at the processes of how to learn how to save money, given the psychological and economic issues. Saving is about the ability to single out the most important thing, to abandon advertising zombies and the ability to cope with life's troubles without a shopaholic radical in behavior.
How to learn to save and save money
Everyone wants money, because besides the fact that it is a resource, it is also the energy of exchange between people, the more they ply in your space, the more energy drink a person receives (in principle, you can exchange goods as before, but universality will lose ). Therefore, how to learn to save money and save money is important for everyone, but not everyone understands why. Remember that bank notes are just paper and think about why they are for you (you are unlikely to be dragged from these multi-colored pieces of paper without their functional use). Desire and motivation, goal, aspiration, dream - those things that are the main allies in achieving any goals, and accumulation, respectively.
It is necessary to save money for something, not for emergency - there should be a certain goal in the head, characterized by a certain amount and causing almost puppy enthusiasm at the thought of realization. It is not to think, but to start - stop spending more than you get, getting rid of loans and loans from friends as much as possible. Start with an exit of at least zero, and the first goal for a trip to the Caribbean on your own yacht will not be to buy a voucher, but to pay off debts. At first, you will have to strictly monitor spending and really give up some pleasures (you’ll rather go to a mega cool restaurant and now you can cook dinner yourself).
The next training stage, after getting out of debt, will be the ability to spend no more than you earn, in order not to go back to the minus position - the methods described in the beginning of the article on budget allocation are appropriate. And while you spend less time in shopping malls, you can spend it with even greater benefit for your financial condition and explore the possibilities of passive income, investing money, additional income, as well as models for rebuilding your own life in a more economical and useful way. For example, you can perfectly save on club sports season tickets and travel by riding a bicycle. Theoretically, nothing has changed in your life, the class time has just been restructured and there is a monetary saving, besides listening to audiobooks can be built into the process of this, further increasing the resulting profit.
If the required amount is initially quite large, then the motivation of accumulation can quickly disappear, since you will feel the limitations every day, but there is still no visible result. As with all the big goals, it is worth breaking up into several parts that are quickly accomplished and visible from the results. If you want a yacht, its amount consists of the payment for the project, the ordering of materials, the payment for the work of the masters, the purchase of the entire interior arrangement, the place on the pier and registration. It is worth saving for these separate things. If you want to go on a mountain trip, then you will need the appropriate sneakers and backpack, equipment, utensils, tickets and accommodation. Start at least with a backpack, the dream will become closer and you will not want to retreat, because otherwise you will have an expensive and useless thing in the corner.
Taking money for mini-goals costs from a deferred part of the monthly income, usually around ten percent (the figure was not taken from the ceiling or the biblical writings, but it is such a part that, according to financial analysts, it can give a positive result and not negatively affect feeling of comfort from your own lifestyle). Plus, add all successfully saved amounts from changing your own lifestyle, if of course it turned out to be a plus, and not just equalized income with expenses.
From psychological recommendations, it is worth trying to postpone your desires, without buying a thing at first glance, you get the opportunity to compare prices for similar products in other places or order it online, and perhaps even abandon the purchase, feeling lost desire in the morning. Desires that appear directly at the sight of the goods usually do not meet our needs, because if you need a vacuum cleaner, you know about it and go to choose it purposefully, rather than buying already at the exit, because the thing is useful and generally beautiful.
The human psyche has not yet had time to adapt to credit cards - the lack of a sense of money spent. When cash is given, you hold the amount in your hands for some time, see it, feel it, and then say goodbye, this does not happen to the card, and your body that does not notice the loss (even a piece of plastic remains with you) falls into the euphoria of extravagance. But the use of discount cards is a very useful habit, and it is not necessary to get a card for each store (usually this requires making a first purchase for a rather large amount) - you can exchange discount cards with friends. As a result, the number of bonuses or the percentage of discounts on the card will increase, because several people make spending, and the shopping process can be an excellent occasion to meet, plus on the general savings, you will get the support of friends if you want to buy another unnecessary thing. The same principle of joint purchases also applies to many promotions (buy two and get a third), and if you can often invest in such a proposal when purchasing frequently consumed household chemicals, three pairs of gloves are needed only for certain amateurs or collectors, but to cooperate with friends and win on the resulting difference is possible.
How to learn to save money and save money with a small salary
Saving up with a small salary seems impossible when all the money goes out before the next one arrives. Here it is worthwhile to optimize your expenses and ways of consumption, to rebuild your life a little, but by no means roll off on bread and water to buy a laptop. Someone chooses to work more, someone less to spend - both ways can drive you into a disgusting emotional state, so you should combine both. Start by counting how much money you get per hour of your work and how much you spend on your own life resources, this can set some internal stops when you try to give your monthly income for a bottle of perfume of fifty milliliters.
Starting the economy mode, it is worth striving for taking care of yourself. There is a myth that you can not save on food, but many start from this. You can save on food, in the key to not having a snack in expensive cafes, and also to replace the use of fast food with healthy food. It is trite, but high-quality brewed tea is cheaper than doubtful soda, and a piece of meat with vegetables will cost something like shawarma in transition - by spending less or as much, you increase the quality of your food. Only this approach to saving is correct, and not the exclusion of vegetables and dairy in favor of soluble noodles. Chasing promoted brands and buying products in expensive supermarkets can have a detrimental effect on the budget, but it is quite possible to support village grandmothers from the neighboring market selling fresher and cheaper fruits.
Calculate how many products you need, so as not to throw out spoiled items or if this is not possible, visit the store every couple of days and buy small quantities. Those products that you can buy in store buy in large packages or by weight - they usually cost much less than a small package (so you can stock up on sugar and cereals). Buying semi-finished products will make a hole not only in the budget, but also in the stomach, but freezing seasonal berries and vegetables when they cost a penny is an economically correct strategy.
And the last point concerning food is to take ready meals, and not to spend money on canteens and cafes. We will not talk about quality, but even if it is a dietary canteen at a medical institution, the prices for dishes will still be higher than if you cook yourself.
Above savings in communal work and people with incomes above the average, because prices are not catastrophically combined with income, and a lot of use does not bring actual benefits. Start with electricity, transferring the equipment to an energy-saving mode (look, on many gadgets there is such a thing, but it is not advertised), and watch yourself for turning off the light in unnecessary places. Come rationally - do not run the washer for a couple of tops, wait until more clothes are accumulated - saving water, electricity and powder at the same time. Also, do not boil a full two-liter kettle, intending to drink one cup. From such trifles there is a significant difference in the receipt for the month.
Spend your time on one choice, instead of constantly spending it on an ill-considered decision. This applies to the choice of tariffs and Internet and mobile service providers. When you are too lazy to delve into the subtleties within a few hours in order to find the most favorable conditions for you, you risk hurting yourself every month, for example, when going to the movies. Forget to buy a travel card or unwillingness to stand behind him in the queue turn into additional costs. This is not a call everywhere to spend your time as much as possible instead of money, but by calculating the cost of your work hours, you can already calculate how much more economical you will be to spend time choosing a tariff or your hourly income completely covers these additional costs.
Changing lifestyles and the rejection of elite clubs in the direction of themed home parties or outdoor recreation brings not only savings, but the acquisition of closer and emotional contact with friends, gives you the opportunity to lead a healthy lifestyle, and therefore give thousands to the pharmacy and surveys are less likely to be needed.
Buying clothes can also be systematized, as well as apply the trick of fitting in expensive boutiques, and then order this model on the Internet (in fact, prices are lower by 30 percent, and you can still get to share). Do not forget about stock stores, upgrading existing clothes and dress crossings.
And another cool item of expenditure - gifts. Think about your talents, what you can do on your own, and sometimes the service and organization of something can be a gift. Regarding yourself, do not hesitate to answer the questions that you donate, calling quite useful things like creams, gels, socks - you save your money, you get the necessary, instead of the next dust collector, and the person is happy and does not have a headache when choosing a gift, believe me, everyone There is something to bother.
How to learn to save money in the family
Savings in the family include key positions for keeping records of income and expenses, planning large purchases and weekly spending. The rules are about the same as when planning your own budget. It is worthwhile to correctly distribute the expenses on products, as well as think over the menu for the week ahead, then there will be an opportunity to plan the quantity of necessary products (do not throw out the spoiled one and not run after the semi-finished products to the nearest market). The greater the number of family members, the more relevant the purchase of products in bulk or bags (especially for long-life products, such as flour, sugar, cereals). In addition to products, you can save on large packages of cosmetics and household products without overpaying for bottles (liquid soap can be bought in a five-liter container and poured into a convenient bottle as needed, and it is better to immediately buy powder ten kilograms). Such wholesale purchases seem expensive at the time of purchase, but in fact, the product comes out cheaper. Naturally, such expenses must be taken into account and planned, since the initial expenditure amount will be impressive.
The installation of counters, energy-saving appliances, insulation of the living space itself will help to build a house in an economical style. Teaching children to use water and energy resources efficiently will help not only your family personally, but also the planet. It is important to do ecological use of waste, using sorting - waste paper can still be handed over, as well as glassware (let children carry it, and take money for pocket expenses), food waste can be used as fertilizer, and old cloths can be used to make rags and mats.
Divide all spending according to priority, allocating each time the necessary amount for priority (payment of food, medical bills) and only the remaining amount can be spent on current, not very important needs, or after consulting, set aside for a joint purpose or purchase. Planning should relate to clothing and training, count how much it will delay updating the winter wardrobe since summer, so that all the money will not go away in November.
The taboo for saving is health and care. Saving on a visit to the doctor and engaged in self-treatment, people often worsen their health up to operational measures, and choosing cheap analog drugs do not take into account the list of side effects of this product. Savings on cosmetics that are applied to the skin should be within the framework of high-quality and certified products that do not harm the skin, health, do not cause allergies and the accumulation of heavy metals. And of course, it is better to abandon the new boots or yoghurt in the morning than to save on their own and children's development and education. Nobody insists on paid schools and expensive courses, but between a concert and a training session, between lipstick and a book, it is always better to choose the latter.