10 non-obvious saving rules that everyone should knowPictolic
According to the latest statistics, almost half of the families in Russia earn as much, that is only enough for food and clothing. But shopping for durable goods (like furniture, computers, large appliances) for them is a problem.
We offer you to reconsider your attitude to Finance, using the 10 tips below. They will help you learn to save, choose the right products and to make savings, not blowing money in the wind.
You are wrong if you think that branded goods are superior in quality to the products of companies "simpler". Most often they are made from the same ingredients (if we are talking about clothes, of the same material). But branded goods are more expensive because the price includes the cost of marketing, design, promotion and more.
If you are surrounded by people who are easily parted with money and absolutely don't consider your expenses, it will be difficult to learn savings. Having different principles of life, you can feel uncomfortable and at a certain point, at risk of break. For example, if such riotous company will going to an expensive nightclub, you will be forced to spend more than planned. As a result, for one night you risk to lose the entire monthly savings.
If you like some thing, don't buy it immediately! Give yourself to carefully consider the necessity of this purchase and take a pause at least for 48 hours. If the desire to buy this thing is not lost, feel free to go to spend money. Otherwise, give up the purchase.
Every year, residents of large cities spend on coffee more than 50 thousand rubles! But if to list to add all the soda, juices, milkshakes and other drinks purchased, this amount will increase significantly. Think about whether or not fleeting pleasure for the money spent? Drink purified water, it is cheaper and much healthier!
Statistics show that at the weekend people spend the most money. Perhaps this is due to the fact that their person is on vacation and has given little thought about the safety of Finance. Moreover, the most active buyers in the weekend are the men and families with children up to 18 years.
To avoid unnecessary expenses, try to spend a weekend without spending! Go to the Park, take a walk in the fresh air, view of the house some exciting show or spend the evening cooking a delicious dinner.
According to statistics 70% of people from all over the world use to purchase plastic cards. But experts in the field of Finance management are strongly advised to forget about it comfortable, but costly method of calculation.
The fact that man is much easier to part with money, which he did in the hands not kept. When we pay in cash, especially if they have limited quantity, we carefully consider the purchase. For the same reason, it is recommended to avoid online purchases for which you have to pay by card.
The accumulation of money many seem onerous, it is much better to spend than to procrastinate. Therefore, in order to circumvent this psychological barrier, it is recommended to use non-standard ways to create capital.
For example, one popular blogger from the USA puts every week a sum of money equal to the temperature of the air on Wednesdays. However, it is the amount obtained is more impressive due to the fact that accumulation is conducted in dollars, and the temperature in the States is measured in Fahrenheit (zero Celsius equal 32 degrees Fahrenheit). But you may be able to come up with an effective system.
This method also applies to non-standard types of savings. And the best part is that it can help you not only save money but also rid yourself of the habit of "sticky" in the phone. What is required? At the end of the day, you can check the battery level: if, for example, you have 25%, 75 rubles you need to put in the piggy Bank. Therefore, the more batteries you use, the more you will have to shell out.
Make it a rule to defer banknotes rare denomination, for example, 200 or 50 rubles, which are not so often. So for a short period of time you will be able to save money for the desired upgrade. Just before to buy something, be sure to pause, you remember?
One of the richest people in the world have always loved to throw myself challenges. For example, one day Elon Musk promised myself some time to live on $ 1 a day. And it had turned out. At that time, the billionaire ate pasta, oranges and hot dogs. All that was enough money.
Recently, one journalist decided to repeat his experience, but she increased the amount to 2 dollars. This was enough to buy peanut butter, pasta, oatmeal and bananas. However, it was not easy, she admits. The journalist had to steal packets of condiments, and often used to go to visit friends to catch them something delicious.
And what methods of saving do you use?