How to collect money if they are not. How to save money: everything you need to know about savings

Hello, dear readers of the site site! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.

We all strive for a good life , and each of us would like to make our life even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.

Unfortunately, in our modern world, you need to learn not only how to make money, but also how to save it and distribute it correctly.

Today we will look at various tricks how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.

To improve your financial situation (learn how to save and save money), you just need to follow the simplest rules, and then you will not have financial problems! Remember: money comes to those who know how to properly handle it!

So, from this article you will learn:

• Is it necessary to save on food, electricity, etc.;
• How to save electricity;
• How to save on products;
• How to learn how to save money and save money with a small salary - proven ways;
• How to accumulate a decent amount;
• Folk tales about money.

Read more about how to save money with a small salary in the family, as well as how to save it, read further in the article.

First thing to remember: saving - this is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, smart and right control and distribute your expenses, refuse from unhealthy foods and habits.

Very often we have, at first glance, petty, but fixed expenses that seem “trivial” to us, but in fact create good holes in our budget for us.

To learn how to save smartly and correctly It takes patience and hard work. But then you will understand what unnecessary costs are, and, perhaps, learn how to profitably invest and make money on it. If you want to know how you can make money, then our article "" will help you.

Saving does not mean at all that you have to deny yourself everything, eat bad products, and generally live badly. To save means to distribute your funds correctly in order to avoid unnecessary costs, to distribute money wisely and not to waste it on trifles. Also in this article you will learn how to accumulate money using the methods of specialists.

You need motivation to get started, that is, the goal: why do you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article, we already wrote about having a small salary). Or do you need a good renovation in the apartment?

A few steps on how to learn how to save and save money correctly

To understand how to start saving, you need to consider several stages.

Namely:

1. Divide all costs into necessary and not really necessary, that is, superfluous or those that can wait;
2. then we consider the resources for which you must pay, and these are: electricity, water, gas, connection, etc.;
3. then you need to calculate the cost of food, and also pay attention to your diet;
4. we set aside a percentage of the money saved, so that they don’t just lie there, but also work.

Even if you try to put off some 10 % (percent) of your monthly income, then in six months or a year you will have accumulated an impressive amount.

And once again we repeat the rule: you should not perceive savings as a limitation or a bad way of life. On the contrary, it will help to significantly improve your life.

Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk around in rags. This has nothing to do with savings!

2. Should I save on food and electricity?

Saving on food (products) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and superfluous ones are removed.

Food expenses- these are the costs that we can influence, because it depends on our desire and on our choice.

We need to figure out in which stores we buy products, by what criteria we choose these products and in what quantity.

Usually we have extra expenses due to wrong diet, the use of harmful convenience foods, buying off the list, unwillingness to cook food yourself.

This also applies to electricity: if everything is done correctly, there will be no financial problems.

Ways to learn how to save money on electricity

3. How to save electricity - 5 simple rules to save on electricity 💡

let's consider 5 simple rules, thanks to which you will learn how to save electricity.

Rule 1 Proper use of electrical appliances

For example, charging for a phone or tablet, plugged into the outlet for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to remove it from the outlet. It would seem a trifle, but our electricity is being wasted.

This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV and so on.

This is one of the first important rules on how you can save electricity.

Rule 2 It is important to use the correct utensils for the electric stove

More specifically, for the burner. After all, a properly sized frying pan will heat up faster, and the stove will not just heat the air. It's simple, isn't it? Probably every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way, you can significantly save energy.

Rule 3 You need to know where to put the refrigerator correctly

Do not believe it, but the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is not installed correctly. Remember: the refrigerator will “wind” less electricity if it is placed away from the electric stove.

Of course, not everyone has large and spacious kitchens, but it is probably possible to place the refrigerator in such a way that it would not at least be on the same side with the stove and not touch it.

Rule 4 Load the washing machine with laundry correctly

For whole 10 – 15 percent more electricity is consumed by our washing machine if it is restarted or not loaded. Did not know? So remember! It is necessary to follow the norm of the weight of the linen! You will also insure against damage to the washing machine in case of overload.

Rule 5

Many electrical appliances must be unplugged at night and even during the day when you are not using them, and even more so when you are not at home. It's not so difficult: left home - turn it off, why should they work in vain.

Only 5 These rules will help you save electricity in the apartment. Not difficult, right?

Here are some more energy saving tips:

• If you decide to buy yourself any household appliances, then pay attention to its power consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future, this amount will pay off through savings. And how much is the overpayment for the year!
• Very good and useful habit - turn off the light leaving the room. But, unfortunately, not everyone is given this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
• It is better to use energy-saving light bulbs than the usual ones. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
• Use a thermos more profitable than boiling the kettle several times, because a thermos can keep warm for several hours.

If you follow these useful, and most importantly, simple tips and tricks, you yourself will see changes in your receipts, and then in your wallet.

Consider in the article 10 Tips for saving money on food:

Tip 1. Experts believe that it is necessary to choose a product not by beautiful packaging, and the more expensive, the better, but you must first familiarize yourself with its composition. A high price does not guarantee high quality. We also pay attention to stock, discounts, and bonuses. Many supermarkets offer us such programs.

It is clear that at first glance it may seem that the difference in 5 rubles It's small and you won't save much. But this is an erroneous opinion of most people, because if you calculate the difference even for a month, you will be pleasantly surprised. And imagine how much savings per year?

Tip 2. We write a list of the most necessary products and we follow it. We only buy products that are on the list. This way you avoid unexpected expenses. There are also all kinds of applications for the phone, and with them you can save not only your money, but also time. All your information will be stored there, and you will not have to constantly think about these lists.

Tip 3. It is important to take as much money with you as you need., but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you simply won’t have anything to buy unplanned goods. Thus, you can significantly save on products.

Tip 4. Did you know that a hungry person's brain works differently than a well-fed one? So, in order to avoid temptations, you need to go to the store full! And then you will understand that you do not need all these "sweets" at all.

Tip 5 Try not to run to the store on payday. After all, it is on this day that a person feels richer than he really is, and can spend much more money than he has calculated. Hence, financial difficulties arise, there is not enough for anything, and by the end of the month you can be left without a penny of money.

Tip 6 Experts believe that pay better with cash rather than plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it is harder to part with it.

Tip 7. Similar products are the best way to save! Absolutely every product has a replacement much cheaper than itself. The main thing is to run around the shops, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to sell you something more expensive.

Tip 8 Remember! Expensive and beautifully packaged products will always catch your eye. Look better on the shelves below, “dig deeper” there, most likely you will find a similar product cheaper than what you saw, because expensive goods will always be in sight.

Tip 9. The rule of similar products also applies to other products, for example, medicines. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.

Tip 10. If possible, we do not take children with us to the store! Of course, children are happiness, and sometimes you want to pamper your baby, but children rush to everything beautiful, and these products are most often expensive. It is better to leave the child at home, and buy him, for example, a cheaper chocolate bar - everything is sweet for the child for joy, and you will avoid tantrums in the store.

We eat healthy, and most importantly not expensive!

Remember, eating healthy doesn't have to be expensive, and you don't have to go hungry to save money. On the contrary, the cost of healthy eating even decreases.

Healthy food, for example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what pies and hot dogs are made of in a stall around the corner or in a nearby cafe. And here you cook with your own hands, and you know everything about your homemade food.

Here are some more tips for buying healthy foods:

1. It is more profitable to buy products by weight, and not in the original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than by weight.
2. If you are buying products from the market, don't forget to haggle! And there is nothing to be ashamed of. It is important for sellers to sell their goods, and it is profitable for you to buy.
3. It is better to come to the market in the late afternoon, at this time the sellers significantly discount the price.
4. It is better to buy meat in a large piece, and at home already divide it into the parts you need. For the price, such meat comes out cheaper than if you bought it by the kilogram.
5. If you have lunch at work, then take food with you. Once again, we repeat that you eat your own food, which means that automatically, you avoid food poisoning and save on it!
6. Try to make a menu for the week ahead - this will help you get only the necessary products.
7. The first dishes are considered healthier than the second, and even more economical and cheaper!
8. Compare prices across multiple stores. Do not be lazy, each store has its own chip and its own promotions.
9. It is not necessary to buy expensive meat, for example, pork, because many tasty and healthy dishes can also be prepared from chicken! Now on the Internet you can find a lot of recipes that will suit you, and you don’t have to sit and invent your own. The main thing is not to be lazy!
10. Yoghurts can be replaced with kefir and fermented baked milk. Yoghurts contain all kinds of thickeners, dyes and sugars. So why not replace them with a more gentle for the body and cheap kefir?
11. Pasteurized milk is much cheaper and healthier than sterilized milk. Milk in a carton lasts longer than milk in bags. And this is its only plus. So is it worth paying for it?
12. Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
13. Buy fresh fruits and vegetables in season, then you can freeze them. All the nutrients in them will remain, and you will save a lot, since in the winter season they are much more expensive.

When you review your diet and follow our advice, even at the end of the month you will see the difference. It's not just about money, it's also about health. After all, all well-known nutritionists and doctors remove fatty, sweet and especially fast food from the diet.

Using these simple rules will help you significantly save on products, support your budget, as well as a healthy mind and shape!

Important tips on how to save and save money

5. How to learn how to save money and save money with a small salary 💰 — 15 useful tips

To begin with, we will look at the rules and ways to save money. And even if you have a small salary, then it's not scary!

Council number 1. Set your financial priorities

After all, you must understand that your financial budget works only exclusively for you, and only your financial well-being can depend on you.

After all, waste can be done both with benefit and without it. But how, then, to understand how our cost is useful? Let's figure it out.

Costs also depend heavily on a person's lifestyle. For example, young people often succumb to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often look at goods that they most likely don’t need, but friends have advised, or the advertisement is beautiful, or the fashion has gone like this ....

Spending is divided into three types- this is urgent, not urgent and not at all urgent. Try to make a list of those and those costs for yourself, and perhaps you will understand what you absolutely do not need and what can be crossed off the list.

urgent expenses - this is understandable, food, utilities, perhaps clothes, and if there are loans.

Not urgent - this is a family vacation, for example, it can be postponed, or contributions to studies.

Well not at all urgent we all know very well - these are restaurants, entertainment, buying a new phone, if there is still an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be postponed for a while, and if you reconsider, you can not spend money on it at all.

It is worth paying attention to the last point in the first place. After all, it is important to prioritize your life and understand your goals in life.

If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in your studies, then it is unlikely that you save money .

And also about entertainment and visiting establishments, such as coffee, restaurants, because this is not the most important thing in life.

All financially successful people keep such records. After all, with a good example, you will see what exactly brings you holes in your budget. For example, it will be a trip to a cafe, monthly such visits eat up a large amount of money, and you will understand for yourself that this can be removed.

After all, when you see all the exact numbers of your budget, and not like that, the way of remembering, you will be surprised how much you used to spend without thinking.

As the very famous speaker Anthony Robbins said: What cannot be measured cannot be managed ". Remember this rule, and it will help you achieve your personal material success.

If you still have additional income, then you need to keep records of them. After all, if there are several ways of your additional income, then accounting will help you find out which source of income is more profitable and which one you need to focus more on.

In general, now is the 21st century, and information technology has developed various programs and applications, for financial accounting, which means that you do not have to draw any tables by hand.

You just need to try several programs, and choose the one that will be closer to you in spirit, who will have a more convenient interface. Again, visibility is financial literacy. Visibility will help you identify and direct your expenses and income in the right direction.

Experts have shown that up to 95 percent Russians spend way more of their money on payday. And these percentages do not refer to the level of income.

If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.

To learn how to save money and save it, you need to give up loans.

In conclusion of this chapter, we will give you an example of how to correctly draw up a table of expenses.

6. How to save money in the family - a table of 3 types of expenses 📊

With this spreadsheet, you can keep track of and control your budget, as well as cross out unnecessary expenses. It will help you determine how to save money and how to save it correctly.

Table of three types of expenses:

As can be seen from the table, special attention should be paid to the last column. After all, even if one item is deleted from here, you can see the result, on the saved funds.

7. How to save money smartly 📝 - 4 methods of how to save money

Of course, saving money is not so easy and simple. This has to be learned and requires a little effort and patience. But even the most disciplined, calculating and responsible a person is at risk of making a mistake.

let's consider the most common mistakes among people, and also study tips and expert rules to correct these errors.

If you have already begun to accumulate funds, then this is already good. But how to save money correctly and have you chosen the right way? And will you fall apart in half a year? Perhaps your strategy is not as perfect as you think.

Method number 1. What remains, we put aside!

So, you pay all your necessary bills, utilities, buy groceries, and send everything that remains to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left. after all costs and throw in only the leftovers.

Try changing your methodology. When they got paid the very first account, you must have a savings account. Make it your golden rule.

Calculate how much you can give to the bank in a month, and do this first thing. And if you can’t do it, well, anything can happen, for example, there is no time, or there are some temptations to spend your money as soon as possible, then activate the service in the bank, by automatic withdrawal of money from your card of a certain amount to your savings account.

In this way, you can save money and save time. And you will forget about these chores. And then your savings account will pleasantly surprise you.

Method #2. Where is the money kept?

As we have already learned that a savings account is wonderful. But it is important to know where exactly your funds are stored in a bank or on a plastic card?

After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And to do this is quite convenient and easy, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret what you have done.

Method number 3. Each account for a specific purpose

If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Of course. if you are saving for only one goal, for example, car or apartment, then everything is fine, this method is just for you.

But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you are already accumulated and what else can wait.

To avoid such problems and difficulties, you need to acquire several savings accounts. And let everyone the savings account will be dedicated to a specific purpose, for example, " by car», « for an apartment», « for education», « to the dacha" and so on. Rather, it is the right way to save money in this way, since each “account” has its own “purpose”.

Method number 4. Don't give up everything

It’s not worth it too much, too obsessed with postpone, postpone, postpone. There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" and good mood.

Of course, as we have already said, many habits and entertainments should be abandoned, but this does not mean that you need to become a hypocrite, sit starving, not go anywhere, and even sit in the dark.

When your annual savings account ends, you should think about more serious investments and for the long term. After all, you yourself will feel the difference and want to improve your financial situation.

Tips on how to save a decent amount of money

To conclude our article, let's take a look at 15 tips how you can save money and quickly accumulate it. Some of the tips may be repeated, but you should necessarily remember.

Of course, there is no specific set of rules and tips on how to save money correctly, but then we will consider the advice of experts who offer to use it to simplify saving and accumulating money.

So, tips on how to create savings to accumulate a decent amount:

Council number 1. Paying for purchases in cash

Try to pay for all your purchases and expenses in cash only. So you will clearly feel the difference, and say goodbye to the money that you hold in your hands, and this is more noticeable than spending invisible money stored on a plastic card.

By the way, if you buy goods through cashback services , then you can save from 1-1.5% of the purchase price. About that, we already wrote in one of our articles.

Council number 2. Deposit money into your account

Each month you put a certain amount of money into your savings account. At the end of a certain period, a pretty tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, get a goal for what the funds you have accumulated will be spent.

Try to keep entertainment costs to a minimum. Better spend time with your family, go in for sports. After all, there are many useful ways to replace unnecessary expenses for entertainment in cafes and restaurants, in the end, experiment new inexpensive recipes at home. And you have good skills, and your husband and children will be happy!

Council number 4. Don't fall for promotional offers

Everything that comes into your mailbox, various catalogs and advertisements, is just trying to seduce you. But do not give in, feel free to throw everything in the trash, but rather unsubscribe from these useless mailings that clog your mailbox.

If you have such a bad habit of buying everything, or just to buy something, then make a list of everything that you want to buy. And look through it monthly, you will see if you still need this thing, or was it just an unnecessary temptation?

If you decide that you really need this product, then buy it. But most likely your opinion will change in a month.

Try to cook at home, do not snack in restaurants. This will cost you a pretty penny. You don’t have time at work for lunch at home, and you rush to a nearby cafe for a quick bite to eat? Think!

Prepare your own dinner from the evening at home, there are special food containers that can be heated in the microwave. This will allow you to save on restaurants, and you also agree that you know your homemade food. It's also healthier.

Try to put your money into envelopes: “for a communal apartment”, “for a loan”, “for groceries”, “for a phone”, and so on. And your expenses will always be planned.

Tip #8. Discuss upcoming expenses with family

Discuss material matters with your spouse each week. You need to make sure you are aware of each other's spending. And unity, let it be to success!

Distribute all expenses according to the table, see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!

Tip number 10. Pay the necessary bills first

First we pay all the necessary bills, then we look at the need for other expenses.

Tip #11. Replace paid hobbies, hobbies, etc. for free

If you go to the gym or go in for fitness, then this hobby can be replaced with exercises and running outside in the park. Useful and free!

Tip #12. Give handmade gifts

You can also save on gifts. After all, the best gift is a handmade gift! There are a lot of ideas on the internet these days.

Tip #13. Buy analogues of branded clothes

Remember, money doesn't buy happiness. And including, not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than "branded". In addition, fashion comes and goes, and then things remain unnecessary.

Tip #14. Use exchange services

Try bartering. That is, to exchange services and things. It is much more profitable, and will save good money!

Tip #15. Use e-wallets

Try to save money on virtual wallets such as qiwi, Yandex money, webmoney. It will take time to withdraw money from there, so you will insure yourself against unforeseen and unplanned purchases.

In addition, you can earn a pretty penny on the Internet, money is also withdrawn to these electronic wallets.

9. Superstitions and signs to attract money ☯

Folk omens about money:

• Never lend on Monday, otherwise you risk losing all your money!
• Never betray money from hand to hand, it is better to put it on the table, and then take it. And then the negative energy of a person through money can pass to you.
• If you borrow another person in the evening, then just put the bills on the floor, and let him pick them up. Better remember that it is better not to lend in the evening.
• It is necessary to repay the debt only in the morning and in small money.
• When a debt is paid to you, keep a fig in the pocket on your left hand.
• Keep your money in your wallet carefully, in expanded form and so that they are distributed into different bills.
• Keep paper bills facing you.
• So that money does not disappear, put a piece of a tree from a swallow's nest in your wallet.
• If you have made a good profit, then take one bill from there and keep it in your wallet, do not spend or change it.
• If you decide to give someone a wallet, then put one money there so that the wallet is not empty.
• To make money in the house, put a coin in each corner, and say: "Let him come to my house."
• Keep money in red envelopes or bags.
• Get yourself a money tree and take good care of it.
• Money loves to be counted. Always count your change.
• Never spend every penny, make sure that there is always money in your wallet.
• If you have a newborn in your house, put money under his pillow.
• Count your money on a clean Thursday.
• Try to cut your nails on Tuesday or Friday.
• Never discuss the material income of other people, otherwise there will be none of your own.
• Do not hate the rich and the poor, otherwise you yourself threaten to remain in short supply.
• If you see that a cat or a cat is stretching, then this is for profit.
• If you saw an angry or hissing cat in a dream, then this is a theft. Be careful!
• Be sure to get yourself a dog or a cat at home, otherwise there will be no prosperity in the house!
• There is such a sign that a black cat or dog will protect the house from thieves.

To not need anything in the new year:

• Celebrate the new year in new socks and underwear. And don't forget to give yourself a new hairstyle.
• Try seven different dishes at the table and put seven coins under the chair.
• It is necessary to repay the debt before the New Year, you can even at the festive table.
• When the first strike of the chimes occurs, make a wish by squeezing a coin in your left hand.
• Throw a coin into a glass of champagne and drink it. And then make a hole in this coin and wear it as a pendant.
• On the morning of January 1, wash your face with water and coins.

Superstitions that should never be done:

• Put empty bottles on the table.
• Sit down on the table.
• Put bills on the table.
• Sweep trash at sunset.
• Stand on the threshold.
• Whistle while at home.
• Change big money into small ones.

Well, believe it or not, but many people observe and follow all these signs. Signs after all went from our ancestors. Most importantly, we can conclude that money must be treated carefully, carefully, don't crush them, don't wag. Do not spend all the money, the wallet should not be empty.

10. Conclusion + video 🎥

From this article, we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to reconsider a little your attitude to finances, and to your life in general.

And remember one main thing, there should not be a crazy amount of money, in order to feel in a good financial position, there should simply be enough money.

Good and stable financial situation- these are not millions of dollars at all, every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage your finances correctly. When you yourself understand your income and expenses, then you yourself will understand everything.

By a good example, you will see how much you spend per month, what is superfluous in your life and what you need to give up. It's not all that difficult, the main thing is to manage your life correctly, not to get loans, and if this has already happened, then get rid of them as soon as possible. Then not only your financial situation will change, but a healthy spirit will also wake up, you will be in a great mood every day, as you will forget at least half of your financial problems.

Let's hope that all these tips will be remembered for you, and most importantly, useful. After all, as you already understood, saving- this is not the worst thing, but rather the opposite, useful, which will make your financial and personal life easier and better!

We hope that this article has helped you find answers to your questions - how to learn how to save money with a small salary and at the same time accumulate it. We wish you successful savings, and good luck in all matters!

Learning to accumulate money correctly is important for everyone, even those who receive a small salary. In order not to borrow until payday and be rich, you must follow simple rules.

Most people in Russia today are financially illiterate. This is constantly used by banks, credit firms, sellers, scammers and many more. Even people who, it would seem, receive decent salaries, fall into credit bondage, forever sitting without money. What can we say about those who have small paychecks - poor students, pensioners, young mothers ...

To break the vicious circle of lack of money, it is important in everyday life to use simple rules for managing finances, which will help to accumulate money.

Savings will protect you from emergencies. Plus, if you save money, you won't have to turn down unexpected exciting opportunities in life.

The basic rule of wealth is very succinct: "Spend less than you earn." Only four words. It would seem, what could be easier? But for some reason, for many, the opposite happens all the time.

How to save money even with a small salary

We will analyze what methods will help to implement the main rule of a rich person and start really saving money.

1. Keep track of your budget

If you are going to save money, it is important to start keeping a family budget. Don't mindlessly spend money on shopping and paying bills, but keep a record of all expenses for a month.

Thus, you can understand how much money was spent in vain, and what you can save on next month without much harm to the family.

In addition, in a couple of months you will know exactly how much money you and your family need for a normal existence, and how much you can save in a piggy bank.

2. Live on the same amount

If you have already calculated how much money your family needs on average per month for a normal life, then you need to fix this amount. It's no secret that we have easy money from time to time. Someone is given a bonus, others have additional earnings, or maybe you have finally managed to move up the career ladder, and the salary has increased slightly.

Rest assured that as income increases, expenses will tend to rise. Does that mean you can't save money again?

You need to set for yourself a fixed amount of money that you will spend on life every month, even if easy money appears. It is better to immediately put aside additional income, leaving only the necessary fixed amount for life.

3. Save 20 percent of your income

If it is difficult to determine the fixed amount necessary for a normal family life, then you can use a simpler way to save money. Immediately after receiving any income (including easy money), put aside 20 percent of the funds received in a piggy bank. And it is important to do this not at the end of the month, but at that hour! If you postpone this important matter until later, then be sure that the money that you planned to save will most likely have already been spent.

How to learn to save money to save?

Understand a simple thought: everyone is trying to make money on you. Even when you yourself earn money in the service, your employer profits from your work. In modern life, you are constantly hunted by those who want to take your money. Thousands of marketers come up with clever schemes to take your money in such a way that you are also happy when you part with your hard-earned money.

To avoid this, you should try to follow the following principles.

4. Simplify your financial life

The more complex your financial life, the more time and effort it takes. Along with this, the chance of getting confused and making a financial mistake increases.

The more loans and credit cards, the greater the chance of not noticing the loss of funds or missing the next payment.

Pay attention to the services of your mobile operator. Do you need all the connected paid features? If not, disable the extra ones.

Understand utility bills. Calculate the feasibility and amount of savings when switching from average tariffs to metering water, gas and electricity. Buy energy-saving light bulbs. They really lower your electricity bills.

See what other recurring “planned” expenses you can cut.

It is useful to do such general cleaning every few months.

5. Get rid of the highest interest loans

Try to refinance loans in other banks at a lower percentage.

Use an effective way to get rid of loans. Select the loan that has the highest interest rate, and start paying off this debt twice as fast, that is, in double payments. Do this until the debt is paid off. Then add the entire amount of money released, which was spent on repayment, to the payment of the second debt, until that one is also paid off. And so on until the liquidation of all debts.

6. Go shopping with a shopping list

A shopping list prepared in advance with which you need to go shopping will help you avoid spontaneous spending. The point of shopping lists is not only to remember to buy something, but also not to buy too much.

The easiest way is to make it on a regular paper sheet. For these purposes, you can adapt the “reminders” built into gadgets and, in general, any application where you can make a simple list.

7. Stop using your credit card

Using a credit and even a debit bank card makes it difficult to save money. If you have a habit of paying in stores with a bank card, and not with money, then try switching to cash.

When we pay with a card, we do not realize the value of the money we give for goods - we entered the pin code and that's it. And now there are bank cards that do not even need to be inserted into the terminal. Paying is becoming easier, and, accordingly, saving and saving is becoming more and more difficult. In addition, there may be more money on the card than you would take to the store for purchases. There is a high probability of spending more than planned.

When you go to the store with cash, do not put more money in your wallet than you need for the purchases you planned earlier.

8. Use the 10 second rule for cheap shopping

Did you see something inexpensive on the counter and immediately wanted to buy it? Hold this thought in your head for 10 seconds and honestly ask yourself the question: do you really need this thing so much? Is it really impossible to do without it? Often these 10 seconds are enough to understand whether you really need a thing.

For expensive purchases, use the 30 day rule. If you want to buy something expensive, do not rush to spend money, but consider the importance of this acquisition for a month. Most likely, after 30 days, there will be no trace of your keen desire to buy this thing.

9. Estimate the cost of shopping in hours of work

In order not to make unnecessary purchases, calculate how much one hour or day of your work costs. Then, when you buy this or that product, think about whether the thing you plan to buy is worth the few hours, or maybe days of your work that you spent to earn this amount of money?

This principle works very well during the purchase of household appliances or other large goods, when time is no longer calculated in hours, but in days, or even months. Such financial "sobering up" helps not to commit stupidity in the form of buying unnecessary expensive goods.

How to save money

Now that we got rid of unnecessary expenses and learned how to save money from our income, we need to properly manage the funds

The path to proper money management

Divide the free money that appears as a result of all your efforts into several parts at once.

1. Create a financial reserve in case of unforeseen situations. Free money is needed to solve unforeseen problems that arise. It is better if it is cash, so that in case of an emergency you do not have to urgently run to the bank.

2. Open a deposit in any of the reliable banks, for example, VTB, with the possibility of replenishment and partial withdrawal of money without loss of interest. As a rule, expense deposits do not have a high interest rate, but on the other hand, you can set aside a certain amount to this account every month, and withdraw part of the funds at any time.

3. Make a term deposit at the best interest rate. This will be useful when you have already accumulated a decent amount. You will not be able to withdraw funds from such a deposit at any time, but you will be able to accumulate money. Open deposits in rubles, dollars and euros to get even more income if the currency grows in value.

4. Save money not for the sake of abstract wealth, but to achieve a specific goal. You can even draw up several accounts to save: for repairs, for a car, for a summer house ...

Probably, every person in his life is faced with a financial problem arising from a lack of money to buy a new phone, repair an apartment or a banal vacation at a resort. As a result, there is an urgent need to use the accumulated money.

But what if a person does not have even minimal savings? In this case, you can use the following recommendations to quickly accumulate money.

It must be clearly understood that in order to painlessly set aside 30% of your monthly income, you need to reduce the cost of buying food (exclude semi-finished products and exotic fruits, replace with fish, vegetables and teas), clothes (seasonal sales will be an excellent option), limit entertainment with friends who often take one-third of our income.

It is also desirable to find additional income and save all the funds received from it. In order for the deferred money to bring additional income, and not just lie under the mattress, you can use a short-term bank deposit with favorable flexible conditions.

To speed up savings:

1. find and save more.
2. save and save more from liquid income.
3. combine the first two.
4. analyze the costs, leave only the necessary.

I hired a neighbor to paste wallpaper - I glued it for a week, at night. He helped a friend sell a car - he scattered ads on social networks and message boards, my gesheft from this is 30 thousand! Freelance, but there are very few.

- they gave it, but they added more work.

By the deadline, there were still about 120 thousand left - I just borrowed them from the bank - with a high salary they gave me them at 22 percent for 2 years.

We now live in an era of great variety of products and an open market. The times of shortages and huge queues for even the simplest shirt are far in the past, and more and more people want to buy not so much what they need as what they want, especially since the abundance of goods and products allows. But do the funds allow?

paramount question

The question is of interest to almost every person. Not everyone has the opportunity to just go and buy what they want. Most people have to save and save, while no one even has a question about what they can save money for, everyone knows exactly what he wants or needs.

First attempts

Usually, attempts to accumulate funds look in such a way that a person begins to deny himself everything in an effort to keep as much money as possible in a stash. It even goes to such extremes that for the sake of an extra couple of hundred people deny themselves food, cherishing the idea that very soon he will receive the coveted plasma TV or game console. Sometimes people take even more slippery paths and take out loans. They think only about the momentary joy of buying the desired thing, and thoughts about how to pay off the creditor later fade into the background. Therefore, on the question of how to save money, the advice of financial experts will not be superfluous.

Pay yourself first

It seems that everything is clear here. We work and get paid for our work. And what are we doing? We are going to pay for an apartment, electricity, gas, water, and so on. We're going to buy groceries. Perhaps we spend money on medicines or a birthday present for a friend, and by the end of the month, at best, we have very little money left. As a result, it turns out that we gave money to the housing office, a pharmacy, a store, a friend, but not to ourselves. So how do you start saving money? Start by paying yourself! Set aside 10% of any income. Get yourself a separate card, to which you make deductions. It is worth noting that you need to save from any income, whether it be a salary, bonus, part-time job or a gift. The amounts themselves are small, but, gradually accumulating, they will turn into very good savings.

Only spend your savings if it works

Everything is simple. Invest your savings only in what will later bring you profit. Here it is worth making a reservation. You can start managing money from your 10% account only when you have a so-called "financial safety cushion" - a certain amount of money. It will not be difficult to calculate it. First, calculate the monthly amount of your expenses, and then multiply it by three. This amount will be your financial security. Everything above this amount can be safely put into action.

Set aside money - forget about them

Forget about your stash. Clearly decide for yourself that you have only those funds that are currently on hand. Thus, your savings will be safe, you will limit yourself from unnecessary spending and ensure that you accumulate a “financial airbag”.

Such a scheme - to save 10% of income - according to financial experts, is the very first step in deciding how to save and save money correctly. Of course, not only saving money helps in their accumulation. To save as much money as possible, you need to train yourself to save.

How to save

1. Planning.

Accustom yourself to plan absolutely everything, not only expenses, but also income.

It sounds strange, but some people simply do not remember the amount earned in a month. With this approach to money, it is difficult to save and even more so to save.

2. "NO" to loans, debts.

If you need money to buy a particular product, then a loan is not the best way out. Finance specialists are convinced that it is worth using lending services only when the life of the purchased goods is longer than the loan repayment period. Also justified are those loans that are used to earn money (for example, to open a store).

3. No emotions in shopping.

How to learn to save money if you tend to make purchases under the influence of emotions and your “want”? Do you need to urgently buy a “very important and necessary” item? Take your time. Consider whether this thing is really so necessary for you right now. It is best to sleep with this thought. No wonder they say: the morning is wiser than the evening.

Such "important" purchases include cheap clothes or shoes, branded items or home appliances on sale, etc. Usually such a purchase brings joy momentarily, and then it is thrown into the pantry to other rubbish.

4. List! And once again - the list!

Believe me, a huge number of people have appreciated the benefits of lists. With a list in hand, the risk of buying something unnecessary is minimized. Even better, do your daily groceries shopping in small shops where you have everything you need, but there is nothing superfluous that the eye can fall on in a huge supermarket.

5. Divide products into areas.

For more effective budget savings, you should definitely organize your purchases and consider them by areas: meat, dairy products, sweets, groceries. Believe me, you will find a lot of interesting things.

On average, 20 to 30% of the funds are spent on sweet and junk food: cookies, chips, nuts for beer, lollipops, and the like. All this must be ruthlessly disposed of and replaced with more useful and cheaper products.

6. Skip the little things.

As mentioned in the paragraph above, little things like chocolate or chips steal a very significant percentage of the funds from your wallet. If you sit down and calculate, then you will understand that buying a washing machine will affect the budget much less. Thus, giving up harmful trifles, you can save up for an old, but seemingly unrealistic dream, such as, for example, a home theater.

7. Train yourself to eat at home.

Many people have a habit of having a quick snack on the go, buying food in various cafes and restaurants. Eating a pie, hot dog or pizza, on the way to work to cheer up a takeaway cappuccino - at first glance, it's all so inexpensive. All you have to do is count...

8. High quality and expensive.

High-quality shoes, clothes, accessories at a quite adequate, but above average price will last you much longer than cheap things bought at sales.

9. Use concentrated products in everyday life.

Household chemicals are far from cheap. But many companies have now begun to produce concentrated products that require dilution before use. They cost an order of magnitude more expensive, but the period of their use also grows many times.

Saving is another answer to the question of how to save money. After all, the money saved can and should be put aside, thereby increasing the amount of your savings.

Goals and priorities

In fact, it is not the savings and not the nest egg that determines how to save money. The very first thing to do is to set goals and prioritize. You need to know exactly what you need the money for. For example, your refrigerator is broken, and you also want to fly on vacation to some hot country. Agree, in this case, a much more rational solution would be to buy a new refrigerator. That is, the priority is in favor of the refrigerator, the goal is to save up for a new refrigerator. If you do not have a great need for something, then set goals for yourself that would be fully justified spending money on. It is always easier to save for a worthy goal. In this case, asking yourself whether it is worth saving money for this, you will definitely answer that it is worth it!

apartment and car

Housing is more than a necessary and profitable purchase. Renting an apartment in the current situation on the real estate market is not only unprofitable, but also uncomfortable. For a sufficiently large amount of funds, you can rent housing with not the best conditions, the "soviet" type. Good apartments are rented at a very high price. Yes, and living all your life in someone else's apartment, spending your hard-earned money on it, is not the best option. Therefore, owning your own home is an undeniable incentive to save money and improve the quality of life. The car is also quite a worthy goal. And by and large, the price is not so high, which means that such a goal is quickly achievable.

Education

Investing in yourself is an investment in the future. This includes not only higher education, but also advanced training, various courses, language training. Anything that will help you in life. It will help you get a good job, move up the career ladder, and therefore, receive a decent salary. Maybe then in the future you will not have a question about how to save money, because you will have enough for everything. To get something in life, you first need to make a contribution.

Your own business

Sounds great, doesn't it? And what prospects open up! The main thing here is not only to accumulate funds, but also to accumulate the knowledge necessary to open and run a business. Study your chosen field. In any case, there are many nuances and pitfalls. Therefore, so that your savings are not wasted, you need to seriously prepare. You will have enough time for this, while the money is accumulating and savings are growing, so that later you can work for you.

What is the best way to save money and where? What to invest in?

1. Bank

It is best to save large sums of money in the bank. So they will be more whole, and the risk of losing or wasting them will be minimized. In addition, you can earn a small profit. Now absolutely any bank is ready to provide deposits for every taste and at various interest rates. Don't go for high interest rates, choose reliable banks and keep your money in a stable currency like euros or Swiss francs.

2. Precious metals.

Buying precious metals is a great way not only to save money, but also to make a profit, as their prices only increase every year. In this case, you should not buy gold or gold products as such. It is best to open an unallocated metal bank account.

3. Real estate.

It's already more difficult. You need to understand that the real estate market is unstable. And at some point there may be a collapse in prices due to a glut of the market. You must correctly assess all the risks when making an investment in the purchase of real estate. But any real estate, whether it's an apartment or household premises, can always be rented out, thereby getting much more profit than, say, from the interest of the deposit.

4. Antiques.

The option is good, but not for the average layman. There are a lot of nuances here, such as value, authenticity, assessment of demand and cost in the future.

5. Under the mattress.

You can keep money at home, in a bank or under a mattress. So you will always see them. But there will be a great temptation to spend them. Yes, and the apartment can be robbed, so it is best to get a safe if you are sure of yourself and that you will not waste this money.

The most common financial mistakes

There are people who, with all their desire to save and accumulate money, cannot achieve this goal in any way. It seems to them that they are trying very hard, they read a lot on this topic, they seem to follow the advice, but still it does not work out. And again and again the question arises in their head: how to learn how to save money? Usually such people make some mistakes in their savings strategy.

• I'll start on Monday.

Perhaps this is the most common mistake - to postpone everything for later. The sooner you start saving money, the sooner you can accumulate it. You just need to decide for yourself that it is as necessary as the rent.

• Put aside what's left.

If you stick to this principle, you will never start saving money. Because there will always be huge needs, for which you will definitely lower everything.

• Save money on one deposit/account.

If you accumulate funds on one account, then it will seem to you that they are accumulating quickly, and you will immediately want to spend them when the amount is more or less impressive, in the end without buying something really necessary. Therefore, it is best to open several accounts or deposits for specific purposes. One account per apartment. The second is for the car. And so on.

Summary

You must clearly understand that your money is in your hands. Only awareness of responsibility for yourself, for your money and for your spending will help you save money. In such a sensitive matter, no one should be the decree.

How to save money correctly is, in fact, not such a difficult question. Rather, the accumulation process itself is complex. After all, each person is individual, each has its own needs and goals. Therefore, everyone has their own answer. But if you follow simple advice, it is quite possible to save up not only for an apartment or a car, but also for your own island. There would be a desire. And to want to be a wealthy person who can afford, if not everything, then a lot, only you yourself can.

Almost all rich people once started from scratch, but thanks to their skills and talents, they eventually achieved both position and prosperity. Recall at least the work “The Financier” by Theodore Dreiser, which many probably read in their youth, where the main character, although he receives certain skills from his banker father, eventually becomes a millionaire only through his own efforts. So how do you start saving money if you don't have any?

If a person thinks about how to save up money for some kind of purchase, for opening his own business or in order to ensure a comfortable existence for himself and his children in the future, this is already the first step to success. What happens next will depend only on patience, as well as on how much a person knows how to listen to advice and act according to reason.

Save wisely

There are some simple and, in general, banal accumulation rules that are known to almost everyone. Everyone knows that in order to save a certain amount of money, one should not spend money on unnecessary things, save somewhere on purchases, if this does not greatly affect their quality, and, most importantly, earn more than spend. People always have problems in this matter: is it possible to save on food or health, how my friends will look at me if I use an ordinary phone, and not an Apple product, go on vacation to Crimea or Spain. These questions will no longer seem so serious if a person thoroughly undertakes to accumulate funds (but you still cannot save on health).

One of important barriers on this path is the human prejudice that in order to accumulate funds it is necessary to cut your current budget, that is, to lose something here and now for some later. This is fundamentally not true. It is desirable to set aside funds not on a residual basis, in the last turn, but in such a way that this is the first necessity when receiving a salary, fee, etc. Received money - immediately sent to the account, and it is best if a person has several such accounts, for example, to buy a house, a car, or to study for a child. It is even better if the funds are not transferred to the card, but to a deposit in a reliable bank, which is opened for a certain time, say for a year: it will be more difficult for a person to use these funds ahead of time, which means it will be easier to save something.

You can even start with a meager amount, but the optimal amount can be considered an amount equal to 10-15 percent of personal or family income.

There is a rather interesting way that allows the family to accurately determine the costs and not spend too much. You need to calculate how much each of the family members receives per month, then subtract from this amount the costs of utilities, basic necessities, loan payments if there are debts, gasoline and other transportation costs, as well as another ten percent for a bank deposit. The remaining amount is divided into four equal parts and laid out in envelopes. Each week, the envelope can be opened and used for additional needs without resorting to another envelope until the next week. It's great if by Saturday or Sunday there is something left of the allocated money, they can be spent on recreation and entertainment with a calm heart. Since there are less than five weeks in a month, the fifth envelope will also come in handy, you can put some small amount into it from the one that was distributed over four weeks.

In this way, the family will have an easier time managing their expenses, not having to think about every purchase, they will only have to decide whether there is enough money for this week's expenses. In addition, one of the most important rules will be observed in this way - the same ten percent of the income will be immediately sent to the funded part, and not according to the “last resort” principle.

Rule "Save more tomorrow" according to Shlomo Benartzi

Economist Shlomo Benartzi, who was involved in the development of US pension programs, came up with his principle of accumulating money from scratch, which is to gradually increase investment in your savings. The bottom line is that every time a person receives a salary increase, a promotion, he begins to save a larger percentage of his salary. You can increase the amount for savings investments by one percent, by five percent, by ten, the main thing is to observe this principle of gradual increase.

Let's look at an example:

If you save according to this scheme, then by the end of four years a person will save 349 thousand rubles. If you consider that this money can be kept in a deposit account and receive interest, then the amount will come out even better. The pace of income will grow, maybe not as fast as we would like, but at a normal and reliable pace.

What is very important, according to Shlomo Benartzi, you can start with a small five percent, but gradually our thinking will get used to increasing the funds set aside for the future, which will be associated with an increase in overall income, and hence prosperity. Over time, the fear of making such investments will disappear, and the process itself will become a habit, and perhaps even change your lifestyle.

Summing up

Those who are really interested in the topic should read the books of economists who have spent many years studying this issue. Often their works are written in an interesting and easy language, "stuffed" with funny examples and cases from life. Well, if the stage of accumulating funds from scratch is successfully completed, in the future it is advisable to get acquainted with the opinion of experts on how else to increase your income by properly investing and investing.