A huge number of people today face the problem of lack of money. Even if the monthly income is very solid, according to general opinion, most people spend everything they earned over the past month. It turns out that such people live from one salary to another. It does not work them to accumulate any solid amount. But the savings help to feel reliability and confidence in the future, and agree, to save up for a car or your own cozy apartment without mortgages and credits is very pleasant. Let's look at 8 effective ways to help you with this. Tips on How to Save Money
1. Identify for yourself (preferably in writing) the purpose of savings. The goal should be meaningful personally for you, then it will be easier to refuse for the sake of it from the next trip to the cinema or pizza. Set the period up to which you need to save money. This is necessary, otherwise there is a risk that the goal will be postponed for a long time (or, possibly, abandoned forever). This is not what you are aiming for, isn’t it? Set aside a certain amount for this purpose from the salary when you receive it, since by the end of the month there may not be any money left. 2. Think about where to store money. It is more profitable to open a deposit account in some trustworthy bank without the possibility of withdrawing. Maybe the percentage will be not very high there, but the money will be safe and you will not be tempted to spend it on something else. By the way, if you notice the desire for impulsive purchases, do not connect this account to the card: the need to go to the bank and stand in a line with the documents will cool your ardor. 3. Maintain home accounting. And do this not from time to time, but constantly, then you can see the real picture of your spending. And this picture will certainly surprise you! Adding all the trifles (for example, a chocolate bar before going to the office) you buy constantly, significant sums can be made. We simply do not notice them, but you will definitely find out the careful accounting of your money. It is worth paying attention to it, and perhaps giving up something in favor of your dream. 4. Make a menu for a week. Plan your menu and a list of the products needed for this. In this way, you will spend less in a supermarket, and the quantity of the thrown out food will be reduced considerably. If you have your own vegetable garden, freeze fresh berries and vegetables in small containers for the winter. Mushrooms are also well kept frozen (but take up a lot of space, so many housewives first boil them and also put them in containers). 5. Do not fool around brands and advertising, look for analogies. For example, pharmacies often offer the most expensive medications. Do not be lazy, before going to the pharmacy, read about similar drugs (or you can ask your doctor about this during the reception). Sometimes the savings can reach considerable sums. 6. If possible, take lunch with you. It will be cheaper, and sometimes more useful, than to eat in the cafes nearest to the office. 7. Switch off the appliances from outlets if you do not plan to use them in the near future. Screw in energy-saving light bulbs instead of conventional ones. When buying home appliances, be sure to see what kind of energy class it has. Prefer a model with a class A or A +, even if it is slightly more expensive, this money will pay off exactly. 8. Check the tariff of your mobile phone. Perhaps, this tariff has long been inconsistent with your needs. Look, what services are connected on the tariff. Remember that small expenses can turn into a serious line of expenses in calculation for a year. If you seriously decide to save up for your dream, you will definitely succeed. You just need to follow the rules and do not retreat with small setbacks. Write down your goal and move forward to the victory!
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1/9/2018 08:08:44 am
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