If you are reading this article, then you are also concerned about the question of how to live economically and practically, and you are trying to find the answer to it on the Internet. Many people think that trying to save money is a sign of greed, but is it?
What is saving
Savings is the ability to correctly allocate available resources in order to achieve your goals. Oddly enough, but the ability to save is characteristic of all rich people. They are rich not because they earn a lot, but because they know how to properly use the money they earn and distribute it wisely.
Try to remember your successful (materially) acquaintances, do they have ill-conceived spending? And vice versa, remember those who often do not have enough money. Do they really lack because they don’t earn enough, or do they most often just spend it unwisely?
Well, for reasonable savings, of course, you need to know your income and basic expenses. Without this, it is simply impossible to apply the right savings strategy.
Again, it is no secret that a large part of the family's expenses are food and housing costs (this includes utilities, the Internet, landline and mobile telephones, cable television).
Cost accounting
Since it is difficult to grasp the immensity, let's try to start with the possibility of saving food costs. Do not limit these costs to any specific figure. It is better to consider food expenses as a percentage of total income. The most common percentage of spending on food is 30%, while the optimal figure is 20%. 
But initially, it is necessary to put cost accounting at the forefront, but the occupation is tedious, but uninteresting. But how else can you find that black hole into which your money is flowing?
Try to keep records for at least a month, and you will see how much money is spent on all sorts of nonsense that you can do without. Count the costs of sweets, chips, chocolates, eating out, and you will be horrified.
How to keep records is up to you. If you want - write in a notebook, if you are at home with a computer - keep a spreadsheet in Excel or use specially designed programs. Programs can be easily found by entering relevant keywords in a search engine.
There are programs online (search the Internet yourself, I first gave a link, but now it is no longer valid) or those that are installed on a computer, you can find it here - http://www.keepsoft.ru/homebuhl.htm. But, if you use the search, you can find others, because there are more and more of them every day. 
Try to systematize your expenses, I understand that it’s difficult because you didn’t have such a habit, but understand correctly, until you instill such a habit in yourself, you won’t be able to get out of the constant lack of money.
After all, all the media (television, radio, newspapers and periodicals) educate consumers in us, we constantly want to buy something, including from food. Someone does not have enough to buy chicken, and someone buys foie gras or baked nightingale tongues. So if the expenditure of finances is not controlled, they will constantly be missed.
Do I need to save on food
Everyone decides for himself. What is more important for you, every day to eat tasty and from the belly, or to raise money for the education of a child abroad? Or solve an old housing problem? After all, by pike command, nothing happens. All you have to do is work hard. Even saving the family budget is also work. Let's see what savings on food can bring.
- The ability to save money for long-term and expensive purposes.
- Eating sparingly is likely to be healthier. If you refuse smoked meats, semi-finished products or sprats, your stomach will surely be happy about this. And if expensive imported vegetables are replaced by local cabbage, beets and carrots, then any doctor will support such a replacement. Saving on food is not a transition to low-quality products, but rather the purchase of quality products at a reasonable price.
- If you learn how to save money and feed your family efficiently, this is a very important skill for a woman-hostess. A woman who is not afraid of crises and possible troubles.
How to save in practice
- Replace convenience foods from stores with homemade food. Reduce the consumption of sausages, sausages, store dumplings and fish sticks, as well as cookies, sweets and sweets. Try to cook soups, borscht, salads, sauces and gravies, pies and charlottes on your own.
- Do not snack between meals of chips, buns, crackers.
- Use the available products as rationally as possible. Don't throw anything away. It is very easy to make croutons from stale bread, we make pancakes from sour milk, marinades from tomatoes and cucumbers can be used in pickles, juice and fat from cooked meat can be used to make sauces.
- Try not to eat out. What you cook at home will be much tastier, cheaper, and most importantly healthier. Yes, you will need to spend more time at home cooking, but you will save your health and save money.
- Try to buy vegetables and fruits only in season. February tomatoes are not only expensive, but also consist of almost only water, without a tomato flavor. In winter, the assortment of vegetables is of course less, but in summer you can turn around.
- In the season of cheap vegetables, you can prepare them and freeze them in the freezer. Help your economy and home canned food and pickles.
- Before you go shopping, write a list. With a list, you get what you need and don't buy what you don't.
- Analyze prices in nearby stores and determine which store is the most affordable in terms of prices and where it is better to shop.
- Compare the weight of the product with the price per package before purchasing prepackaged products. It is better to choose one whose price per kilogram is less, all other things being equal. And think about it, why overpay for packaging, even a very beautiful one? After all, throw it away anyway.
- Nuts, seeds and dried fruits are best purchased by weight, packaged ones are more expensive.
- Do not buy exotic juices, they are all made from concentrates. Natural juices at best can be birch, apple and tomato, the rest are just water and concentrate. It is better to cook compotes, the harm will certainly be less.
Now you have read the material on how to live economically and practically, and I hope that this will really help you learn how to save money and achieve your goals.
How to live economically, practically and well. Tricks
Manual with photo - learn to live economically!
Maria Alexandrovna Getz
© Maria Alexandrovna Getz, 2017
ISBN 978-5-4485-2084-6
Created with the intelligent publishing system Ridero
annotation
A manual with photographs for people who want to learn how to live economically. Personal experience. Today, not only those who are retired or with a small income, but also quite wealthy people of the middle class are striving to save. For many, saving on everything is like a kind of hobby, gambling, sport. Does the art of saving exist in Russia? Yes, sure. You won’t believe it, living by the principle of “not paying for anything” or “how to live almost for free and not paying for anything” is very easy! It is better to walk around in cheap clothes but drive a good car than vice versa.
Why do you need to learn how to live economically?
People want to learn how to save for two main reasons:
- not to work, but to have enough money for life and domestic needs, and spend free time on creativity, hobbies, etc.
- in order not to throw money on "household decay", but to save up for something important - moving to another country or city, a new car or housing.
You won’t believe (because you can?), How much you can save and not only on everyday expenses, but also on cars, real estate and so on. I hope this guide will help you save a lot of money and spend it usefully - on really important and valuable things: travel, education, your business. After all, you must admit that it is better to eat modestly and dress badly, but have several apartments and your own business, than to spend a lot of money on restaurants and branded clothes and live in misery in a communal apartment. Let's start with simple savings every day (food, clothing, essentials) and end with real estate savings (buying a cheap home).
Questions and points that we will consider with you:
How much money can you save in 1 month?
Savings on clothing and household items. Life hacks. Gifts.
We save on services. A training model is required.
Travel savings. Contests.
Save money on photo shoots. Beautiful photos for free.
Savings on food. Tricks. Nettle, mint and other herbs. The shops. Tea and porridge as a gift.
Savings on entertainment. Correct advice. Good friends. Dating websites.
Savings on utility bills. The poor. We cheat counters. What is the most expensive item on your utility bills?
How to save on a car and then save on gas. Drain solarium and gasoline in the right places. Take a ride to a workout with a friend.
How to save up for an apartment with a salary of 20,000 rubles without a mortgage.
How much money can you save per month or year?
Let’s calculate how much money you can save in your budget if you don’t buy clothes, don’t spend money on entertainment (but this doesn’t mean “don’t have fun”), get cosmetics and equipment for free, get a free haircut, spend on food at a minimum.
So, it’s quite possible to save on clothes per month per person in the family:
2,000 rubles. Approximately as much, on average, according to statistics, is spent per adult or child per month. You can't save on socks and shorts. But on clothes, outerwear and shoes - it's very easy.
On services per month per person in the family:
1,000 rubles. These are haircuts, painting, manicure, eyebrows, etc.
On trips per year for two:
50,000 rubles. If you're lucky, then about as much. Maybe a little less, or maybe much more - up to 200,000 rubles.
On furniture, household appliances, household goods per month for the whole family:
2,000 rubles. This is a new kettle, instead of the old one, a sofa, curtains or a set of cosmetics.
For photo shoots for the whole family:
8,000 rubles. If you take a lot of pictures, then the savings are impressive.
On food per month per person in the family:
5,000 rubles. E saving on food is the hardest thing, but possible.
On entertainment per month per person in the family:
2,000 rubles. This is a trip every weekend to the cinema, to a cafe, to an amusement park.
On utility payments per month per person in the family:
1,500 rubles. Saving on bills is also not very easy, but real.
On gasoline per month per person in the family:
1,000 rubles.
Outcome. If you are alone in the family, then you will save about 30,000 rubles a month or 360,000 rubles a year. The savings are enormous! If you don’t even earn so much, then it turns out you will “spend more” on various amenities without spending a penny. If the family has children and other relatives, then add 12,000 rubles of savings for each person per month, or 144,000 per year.
Savings on clothing, furniture and household goods
Everything is very simple - do not save on sales and discounts, but look for clothes, appliances, cosmetics, toys for children and other things for free, as a gift.
Yes, these are second-hand things, but many of them look like new, even branded and very expensive ones come across. So expensive initially clothes that you could not / could buy a new one for yourself. Many things are given well-groomed and washed, they do not need to be washed.
They donate beautiful evening dresses, shoes, men's jackets, and down jackets, and double boilers, and irons, and any children's clothing with shoes, and toys, and dishes, and TVs, and DVD players, and printers, and telephones and much more. other. Paints, women's and men's bags, laptop bags, ironing boards, jewelry, towels and bed linen, optical mice for a computer, vacuum cleaners, shoe dryers, electric kettles, perfumes, coffee machines, e-books, routers, you can't list everything!
End of introductory segment.
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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:
- Divide all costs into necessary and Not good necessary, that is, superfluous or those that can wait;
- then we consider the resources for which you must pay, and these are: electricity, water, gas, connection, etc.;
- then you need to calculate the cost of food, and also pay attention to your diet;
- 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 perhaps you can place the refrigerator so that it is not at least on the same side as the stove and does 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 will simply have nothing 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! Certainly, 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:
- 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.
- 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.
- It is better to come to the market in the late afternoon, at this time the sellers significantly discount the price.
- 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.
- 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!
- Try to make a menu for the week ahead - this will help you get only the necessary products.
- The first dishes are considered healthier than the second, and even more economical and cheaper!
- Compare prices across multiple stores. Do not be lazy, each store has its own chip and its own promotions.
- 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!
- 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?
- 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?
- Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
- 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 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:
| № | Necessary and urgent expenses. | Not very urgent, secondary costs. | Not very urgent, or just MONEY EATERS. |
| 1 | Food | Getting an education | Cafes, clubs, restaurants |
| 2 | Utilities (electricity, gas, water) | Buying furniture | Fast food, expensive sweets, soda |
| 3 | Fare, petrol | Purchases of digital and home appliances | gambling |
| 4 | Mobile communications, internet | expensive fashion items | Bad habits - fast food, alcohol, cigarettes |
| 5 | Cloth | Hobby | Unnecessary connected services on the phone |
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 adviсe 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. Certainly. 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 tangible 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 clothing
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!
Each person has a powerful theoretical knowledge base on the worldly subject called “thrifty housekeeping”.
Practice shows that there are not so many real masters of rational spending of money.
How reliable and compatible with Russian realities are the publicly available world trends of ideal planning and execution? And are there any secrets, subtleties and even pitfalls of vigilant control over the balance of income and expenses?
Eugene: “All advice on the proper use of finances and living within your means in general can be reduced to just a couple of main theses: spend less than you earn and invest the rest. These two truths seem obvious to most people, but in fact, few people apply them in life.
Written recording of all your income and expenses;
Reduction of daily unnecessary expenses;
Search for an additional source of income - active (in the form of wages) or passive (in the form of proceeds from leased property or bank interest on deposits);
Creation of a so-called financial airbag in case of unforeseen expenses.
The main thing is not to be lazy and strictly follow the instructions of specialists - financial consultants, whose efforts have developed and brought these recommendations to the public.
Anna: “I myself am a financial worker by education, to be more precise, an economist-planner. And since the university, I remember very well the very definition of finance, not as money or some kind of assets, but precisely as a relationship about spending money. That is, relationships with money and about money are at the forefront, and these relationships can be as complicated, beautiful or amazing as relationships with people. There are no clear rules or standards here, much is built on mutual interest and respect, intuition, experience and flair are important here.
The advice to save has always seemed wrong to me. What kind of savings, in principle, can we talk about if inflation devours any savings? Yes, there are official statistics on the level of inflation, but for some reason no one ever thinks that average figures are given - inflation for all groups of goods, including those whose prices you will never worry about - from men's suspenders to kerosene lamps?
And the prices of essentials will always rise by leaps and bounds. Therefore, I am convinced that a reasonable targeted loan is a great way to live economically. For example, a loan for an apartment.
The rise in prices in the real estate market in our country will never give way to anyone. Plus annual salary indexation. Plus income from a mortgaged apartment for rent. In total, it will still be more than any bet. And, finally, the thought of the need to pay off the loan will be a small thorn in the head and will not allow you to be distracted by trifles that are absolutely unnecessary in the household, like the fifth pair of shoes or the third set of winter curtains in the living room. So there is a huge saving!
Inna: " I really love one piece of advice for poor people - do not buy cheap things.. Sometimes the temptation to do it is very great, but having already made such mistakes several times, I do not allow myself to chase the low price of the product, especially when it comes to buying shoes.
In order to really live economically, you need to purchase high-quality items, not low-cost items that will not last even half a season in a sock. A branded first-class thing can last two or three seasons, or even more.
A good help for those who want to live economically is second-hand shops. Actually, I don’t really like second-hand things themselves, but the stock departments in these stores, which sell absolutely new things, are a great find.
As I was getting my kid ready for school, I stocked up on three pairs of new denim pants for him at six dollars a pair.”
Katya: “Thinking about how to live economically, you immediately wonder how to pay less for housing and communal services, because it is the payment of housing and communal services that eats up the lion's share of my salary. This summer, I installed meters for cold and hot water and was literally shocked when I received the first receipt from the management company.
It turned out that if you pay not according to the standards, but according to the readings of the meters, then the amount presented for payment decreases exactly three times! That is, before we overpaid huge amounts of money for water that we did not use. But I don't like energy-saving lamps. Although they are considered to be more durable and economical, they have a bad effect on vision. And saving on health is the worst idea that can be.”
Natalia: “The ability to live economically is not so much following trends or a tribute to necessity, but a special character trait. There are people who seem to live economically and without making any visible effort, and their relationship with money is always on top. And there are those who write down every expense, and still end up broke by the end of the month.
Although the habit of writing down all income and expenses is a very useful thing not only for those who dream of learning how to live economically, but also for everyone who thinks about relationships with finances. Once I read that the Russian Empress Catherine the Second very scrupulously throughout her reign kept meticulous written records not only of household expenses, but also of gifts presented to all her beloved.
Now writing down expenses and incomes by hand in a barn book or a thin school notebook lined with many graphs can hardly seem like an exciting activity. However, there are many special family bookkeeping computer programs that are simple and accessible to any user.”
Julia: “Issues of economical housekeeping are largely solved by self-cooking, and not by buying ready-made supermarket meals or frozen semi-finished products. It seems that a small difference in the price of a store-bought and home-cooked dinner or lunch actually turns into significant savings.
Of course, sometimes it’s a pity to spend the whole weekend at the stove, stuffing peppers, chopping vegetables or baking muffins. But it really warms the soul the realization that with the money saved you can buy yourself some kind of new thing. Yes, and home-cooked food tastes better than store-bought or even restaurant food. ”
Svetlana: “Saving just for the sake of saving does not bring joy. It is not necessary to solve the question “how to live economically” in order to save a couple of hundred and hide them in a pod for a rainy day by refusing unplanned and optional purchases.
Dreaming of living wisely and economically, you need to cultivate a culture of consumption in yourself, which in the end is able to give us a very important quality that cannot be bought for any money - this is inner freedom, independence from someone else's opinion or example in purchases and payments, the ability to walk through his life only with an eye to the actually built landmarks.
The desire to live economically can turn into the opening of unexpected horizons, the existence of which we did not even suspect in the pursuit of achieving generally accepted heights. I remember how my husband and I planned a trip to Europe for a long time. I spent all evenings on the Internet, studying hotel reviews, routes and excursions. Barcelona, Paris, Glasgow - even the names of the cities sounded divine music in me and filled my soul with sweet dreamy bliss.
And then a certain financial collapse occurred in our family, and instead we went on vacation to the village, to the old grandmother's house. Of course, I was worried and considered such a vacation in vain and even an insulting waste of time. But only at first, because already in the second week of village life I realized what a pleasure it is to live away from the city, from the hassle and noise.
We picked blueberries and strawberries, roasted chanterelles and swam in a small forest lake. For the first time in my life, I broke a flower garden on a personal plot. That month was the happiest for me.
And this happiness was somehow new, unusual - cautious, cautious, fragile, but at the same time surprisingly whole and giving peace and tranquility.
Do you know how to live economically?
And what does this economy mean for you - a forced rejection of everything you want and need, or a conscious choice?
Irina Gulevskaya
The modern world forces each of us to test our theoretical knowledge in our own practice. frugal housekeeping". If the basic rules indicating how to live economically are known to everyone, then it is far from always possible to use them in real life. There are very few real masters of saving.
Numerous shops, cinemas and clubs with bright advertising signs lure you to spend your last money. And where to go if you want to have fun? Especially after hard working days, when the only entertainment after work is cooking dinner and housework for a woman, worrying about where to get money for new equipment and where to nail the right nail - for a man.
Basic rules of economical life
The common truth of a frugal life lies in one single rule: spend less than earn. At first glance, it seems that there is nothing complicated in this. But you must admit that you yourself live economically and do you keep savings? This question makes you seriously think about whether all the purchased purchases and waste are so necessary, and whether it is possible to do without them.
A person quickly gets used to the good, and it can be very difficult to give up things that have become familiar.
To save the family budget, you should use the following recommendations, known to everyone, but not used by everyone:
- Record monthly income and expenses in writing;
- Reduce daily expenses that are not mandatory;
- Look for additional income;
- Take care of creating financial airbag».
Just four rules of economy will help improve the quality of your own life. Written home bookkeeping can really help you start saving. It is easier for our brain to assimilate accurate processed information. A visual examination of income and expenses allows you to determine those areas of life that are not necessary, but require constant waste.
Everyone knows the “mystery” of going to the store, especially the grocery store. When you enter it for the purpose of one single purchase, and you leave with a full package of unnecessary things and an empty wallet or card. So how can we live economically and as practical as possible, when every day we are used to unconsciously spending a lot of money on unnecessary things?
A pack of cigarettes or a can of beer, an attractively advertised energy drink or gum. All this is not necessary, but it costs good money, especially with daily consumption.
Additional income will increase the family budget. It can be active and passive. The last option is the most attractive, and every person dreams of it. Paradoxically, not everyone strives to receive it.
A financial airbag is needed in case of unexpected expenses. Now many are replacing it with a loan or a loan from a bank, which subsequently will have to pay huge interest for a long time for the opportunity provided on time.
Let's move on to practice and draw conclusions
In order to understand in practice how thrifty and economical people live, try to write down all income and expenses in a separate notebook or notebook for 1-2 months.
If this activity seems tedious and useless, then convince yourself to give so much attention to home accounting for at least two weeks. This will help you find out what expenses were made in vain, and what you should pay attention to in order to improve the state of the family budget.
At the end of the specified time, add up the amounts received and analyze whether all purchases were necessary. Calculate how much completely useless things were bought, without which you could safely do without. If the records were kept for two weeks, multiply the results by two and be horrified at how much of the budget is being eaten up by unnecessary expenses.
To learn how to learn how to live economically, you will have to remember a few tips:
- Tip 1. When visiting a store, you should always make a shopping list, and refuse to purchase those things that are not included in the previously compiled list. It is these spontaneous acquisitions (often in the form of food or household chemicals) that cause serious damage to the budget. It is important to carefully draw up a list and strictly follow it, trying to save as much as possible when choosing models of the same product.
- Tip 2. If you plan to purchase a large and expensive item, it is important to find out in advance in which store in your city you can buy it with maximum benefit. Agree, it often happens that literally a week after buying a new phone, washing machine or functional microwave oven, it turns out that it could have been purchased at another store for half the price.
- Tip 3. To understand by example how to live economically, measured and correct, shopping for basic necessities is best done in inexpensive supermarkets, and not stores closest to the house. It is recommended to choose a store based on prices, not location. In addition, large hypermarkets have in their assortment almost everything that is required for the home. Therefore, you do not have to abandon the usual purchases due to the need to save. It's just that these things will be purchased at a lower price and may be in a place more distant from home, which at first may be unusual.
Secrets from the masters of home savings
Especially in big cities, when you have to spend large amounts of money on utilities, housing and other essentials, you have to go for tricks and become a true master of savings.
Below are tips and actions that are often used when maximum savings are needed. It is not necessary to use them, but you can take note. These actions may seem especially familiar to those who know how to live economically on a small pension.
