We offer 10 simple tips that will help you competently manage your finances and save your money.
First. Do not neglect such convenient and useful things as discounts, sales, special offers (for example, 2 in 1). Samplers, often attached to purchases as advertising (they will help you learn about new offers and try out products, so you can avoid unnecessary purchases, knowing in advance whether you will, for example, cream or not).
The second. Special shops where products are offered at wholesale prices or the cost is lower simply because the store is located near the place of production (for example, bread next to the bakery). Plus you get a win in quality.
Third. If any thing is absolutely necessary, but you know for sure that you will use it only a few times, you can not buy it, but borrow, for example, from a friend. Agree, buy an expensive dress for the wedding celebration of a distant relative, knowing that you are unlikely to put it on again - a waste.
The fourth. Exchange of mutually beneficial services. You can not spend large sums of money on a make-up artist, if your girlfriend does an excellent evening make-up, and you, for example, a manicure master. Exchange skills, it will save you from waste.
Fifth. Do not buy extra products and things. The best way out is to make lists before going to the store and stick to the list. Or, for example, by calculating how much money it will take, take with you just such a sum. But you can also take a card, in case if, for example, buying a sofa, you will find a favorable offer for the sale of a vacuum cleaner for half the price (in the load to this sofa). But only on the condition that you need a vacuum cleaner!
The sixth. Choose suitable rates and offers. Recognize, evaluate and make use of profitable offers. Choose the best phone rate. If the benefit is obvious, put a water meter and so on. You just have to be active and learn about the many existing proposals.
Seventh. Communicate with friends and acquaintances. Discuss the offers and opportunities (purchases, purchases of things and products, discounts, special offers).
Eighth. Some things can be obtained free. If you need any thing and you admit that it can be used, then you can use the "I'll give away" ads in the network or newspapers. For example, spending money on a rope ladder (if you can not do without it) is an excess that can be avoided by paying only the cost of travel to the place of its receipt from a person whom it no longer needs.
Another opportunity to get the desired object for nothing is gifts. Between relatives and close friends the norm is considered in advance to stipulate what they want to receive at the celebration. With this approach, the benefit is obvious, if you donate a thing, then you will not waste money, and if you are a recipient, you will definitely be satisfied with the gift.
The ninth. Ask your friends, acquaintances, parents how they learned to save money. The example of friends, close people can help you a lot.
The tenth. Plan your budget. A careful attitude to the money earned and proper distribution of them will undoubtedly help save money. Make a monthly accounting (in writing) of the earned funds, as well as what they should be spent on. Keep track of purchases for the month. This will help you identify those items whose costs were unnecessary.