How to learn how to save money for a modern woman


You earn a lot, but you never have money? You are called a "spender", and you feel that this is so? Everything is fixable! We will tell you how to learn how to save money for a modern woman. Yes, in principle, these methods are suitable for men ...

In men, according to the research of the Department of Public Finance of the State University-Higher School of Economics, savings are on average one third higher than women's. This is not only the result of the difference in salaries and our ability to spend the money earned in a month in one day. Psychologists say that accumulation is generally more typical of men, because they are taught from childhood that they will have to support the family in the future. While girls often talk about the benefits of marriage by calculation. But it's better to marry for love, but to make money in other ways.

BECOME OBJECTIVES.

To save money is better for something concrete, in fact to move to the goal (no matter how far it may be) is easier than to nowhere. If you are going to buy, for example, a car, imagine yourself driving not an abstract, but a very specific car. For example, a bright yellow minicar of Italian manufacture. The clearer the goal, the faster you will reach it.

Yes, by the way about the timing. Having determined them, you thereby approximate the day when you can afford to purchase what you want. You can even draw up a schedule and mark on it the steps taken in this direction. Hang it in a prominent place in the house - and admire the progress. Believe me, having a concrete dream, you will always find ways to earn it. If you can buy it, of course.

BOOK THE COST OF PURCHASE.

You can do it right in the store - in your mobile, and then transfer these notes to the notebook when you get home. At the end of the month you will understand where your money went. This will allow you to decide what you can save on, and in what you can continue to not refuse. Just do it all the time, not missing a single day. Otherwise, the final count will be incorrect.

MAKE CONTRIBUTIONS.

Keep the money should be at least in the bank on a deposit account, guaranteeing their growth by 12-15% per year. In the stocking of money can not accumulate - inflation will constantly eat up part of the funds, reducing their purchasing power. Small amounts (about 10,000 rubles.) Can be invested in Mutual Funds (unit investment funds) and OFBU (general funds of bank management). What to do with more solid capital, the financial adviser will prompt. By the way, it's never worth stingy. Believe me, the profits received as a result of successful transactions will cover your costs for a specialist more than once. In any case, you must clearly know when and how much money you owe. Do not also make all your money for one, even the most profitable account in one, even the most reliable bank. This will tell you any person who understands economics and finance. The financial situation in the modern world is not too stable - do not put all the eggs in one basket.

LIVE FOR INTEREST.

Having accumulated a tidy sum on the account, do not take all the money off right away. Take on the rule of compound interest. One hundred rubles, invested at 10% per annum, will turn into 110 rubles a year later, and after two years - 110 + 10 + 10 + 1 = 121 (l = 10% of 10 rubles). This ruble is the result of the work of compound interest. It seems to be not much. But if you operate on larger amounts, then on condition that you are now twenty-five and once a month you will put 1000 rubles into the bank at 9% per annum, by the time you get sixty, you will save more than three million rubles! And only percent from them will receive on 1000 "green" every month.