How to learn how to save money and save money with a modest income? Practical tips

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2018-03-28 05:49:17

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There is a joke that in our country anything consistently is the salary. Everything is expensive, prices are rising and wages remain at the same level. And do not always have the opportunity to earn more income. There are also many who cannot be in the right place at the right time, and someone does not have enough education.

In this article you will learn about how to learn to save money. The working methods described below will help you as soon as possible to start saving funds for an important and cherished purchase.

The technique involves working on yourself in two stages. Each of them is important and is binding.how to learn how to save money and saving money

How to learn how to save money and saving money?

First of all, remember the next two stages to be followed:

  • To save;
  • Save.

How to do it correctly, we will understand further, on each separately.

Pass the first stage

In order to understand how best to save money and to save, you first need to track their expenses.

It will be Enough just to have a notebook in which to record your expenses for one month. For convenience, you can create a spreadsheet - this will allow faster and easier to sort all expenses by category at the end of the month.

how to learn to save money and to save

Will Help to understand how to learn to save money and to save, the table below, which contains the cost category. Sort your monthly expenses according to it.

Category

Amount zatrat

Gile

Pytanie

The Costs of harmful privychki

Swazi

Pokupki

Razvlecheniya the rest

Another

Fill it in, you'll see where you spend more money. Further analyze the significance and potential savings in each category.

Saving housing

To Begin to understand how to learn how to save money and to save money from the first category. In the section "housing" shall be the cost of rent (if living in someone else's apartment, house), utilities. The savings in this paragraph are possible, but extremely difficult. Of course, you can try to consume less gas, electricity and water.

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It can be Done in several ways. The cheapest of them is to independently monitor the timely inclusion of electrical appliances that are not needed at the moment. As for water, you just need to try to use it only at the right time.how to learn to save money with modest incomes

For example, when brushing your teeth, after I poured some water into a glass, close the valve. If to speak about personal cleanliness, the bathing in the shower saves more than 50% of water compared to bathing.

In addition, bathe in the following way. Opened the tap, wet the skin, turned off the tap. Going, opened the tap, washed away the remnants of detergents, finished taking a shower.

Save on food

To Save on food is also quite difficult. In any case it is impossible that starvation was the answer to the question of how to learn to save money. The family purse will not be more complete. After all, poor diet will only cause irreparable harm, requiring treatment, which will take much more money and nerves than pennies saved.

It Is necessary to abandon frequent trips to the coffee shop, restaurants and other similar places where people simply eat. This can be done at home, cook something tasty. In any case, homemade food is not only more useful restaurant, but also saves the money of the family budget.

The same can be done during the working week on a lunch break - don't have to go to the bar and order rolls and coffee. Take sudock with home-made food to work.

If there is an acute problem of money, it is best is to abandon the use of harmful products. These include sweets, candy, chips, crackers, Coca-Cola, food from "McDonalds", etc. This list can be a long list.

Abandon bad habits

In the days of saving everything that is injurious to health, is obviously not something that you need to spend your money. Despite the fact that Smoking is officially recognized as a dangerous occupation, which affects the lungs and throat, possible malignancy, smokers do not become less.

And if you count the cost of a pack of good cigarettes given the fact that they smoke 1-2 packs a day, a month or even a year the amount obtained is simply enormous.

Alcoholic beverages also will not save your budget. Besides the fact that alcohol destroys brain cells, he is able to pull the last money out of his pocket. It's nice to come with friends in the evening and talk heart to heart over a glass.

how to learn to save money and save table

If you give up alcohol at all, you will feel much more you will have money in your wallet. This is not to mention the gratitude of the body, which you receive in the form of health promotion.

How to learn how to save money and saving money? Give up all bad habits and do not waste your time and money.

Connection charges

Each month we replenish the mobile phone account, as well aspaid services: Internet service provider.

And it would seem that it's a little money monthly but they are still a burden to the family budget. You can save money by switching to more optimal rates.

For example, if you use the Internet only to read news and watch short videos, then speeds of 100 megabits per second is absolutely necessary. Just go for the cheapest package with a speed of 1-5 Mbps.

The mobile operator savings is to not to make expensive calls: the rooms are expensive operators, abroad, roaming.

Also if you have free minutes, SMS, MMS, try not to go beyond the allocated limits, otherwise you will incur additional expenses.

How to save on shopping?

Exploring the question of how to learn how to save money and to save money, look at the purchases that we make. Here everything is quite easy, you only need to follow some rules. For anybody not a secret that the clothes not sold in their season, put on shelves with a large discount (often 50%). You need to use this knowledge.

That is the summer you need to buy winter clothes and winter - summer. Due to this, you can save some money.how to save money and save table

Another great tip on how to learn to save money and to save - don't need to be advertising. There is not always telling the truth.

You Can give a funny example: on TV often say, "Our dog food has become more delicious!" And who checks the food and says that this is better? People or dogs themselves tell? You need to treat the is always skeptical.

Similarly, things and with drugs. Of course, there are foreign funds, which have no analogues in the country. But there are those who are not worse than imported. They have the same active ingredient, but for some reason advertising makes people buy more expensive because they think it's safer.

Have Fun with the mind

Go ahead, figuring out how to learn to save money and to save. Expenditure on entertainment is precisely that which can be completely reduced, and not to spend their money.

But this is correct only if money is sorely lacking. In other situations, you can just review the types of entertainment and to bet on cheaper.

For example, instead of the discos to arrange with friends a party at home - and for tickets no need to pay, and a kitchen with drinks much cheaper.how to save money family wallet

Reduce other expenses

Not absolutely all of the waste attributed to the specific categories. Very often in life there are situations when you need something small and now. In such situations, it is important to remember that those 50-100 rubles you spend can be useful to you in more important matters.

So, we considered ways to cut their costs. Let us review some of the ways to save money that will help to raise funds for your dream.

Ways to save money. Tips

The Main thing is to set a clear task, and a timetable for its implementation, based on their income. Naturally, save up for a new Rolls Royce would not be possible if his salary is 40 thousand rubles per month. So you need to soberly assess their capabilities.

We will Understand how to learn to save money with a modest income. For this you need to understand how much you can save each month, following the methods described above. Then roughly calculate the amount of money that you are willing to pay to buy or the trip was planned, and divide it by the monthly savings.

In the end you will know how much to save to reach your goal. Frustrating result? Two ways out of this situation - either begin to save more, or look for additional sources of income.how to save money working ways

Also, do not put money under the pillow. If you are seeking an answer to the question about how to learn to save money with a modest income, open a Bank account. The validity period should be the same throughout the time you have planned to achieve the goal.

And the farther away the Bank from you will be, the better. Open even are not in one Bank, and a few that are in different parts of the city. So you can make those a notes that has a particularly acute desire to spend immediately the accumulated funds. The reluctance to wander around the city and human laziness will simply discourage the desire to spend money that had been accumulated for several months.

No time to replenish their Deposit? Sign up for debit with your payroll card. Very convenient to register for automatic withdrawal of funds. You can choose the percentage, set amount or allow the Bank to automatically round off the rubles to the account to ten units. Yes, in the twenty-first century and is not possible.

And so gradually, and not essential for your pocket money will be earmarked for Deposit. A savings account is also convenient and the fact that the Bank you'll still pay in the form of Deposit interest. Of course, to make them fail, but to reduce the effect of inflation on your savings quitepossible.

The above material will help you learn how to learn how to save money and to save. Program effective, you only need the desire and willpower.


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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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