In order to save money from the family budget should be guided by completely different indicators. Firstly, it is important to understand that your family budget is strictly planned for future large purchases and costs, so buying a thing in the store that can "come in handy" is an unplanned and unnecessary waste that you should avoid. Even if the goods are bought at a discount, for shares and other marketing ploys, this is considered a reckless waste. In addition, that you spent money that could be useful to you for another useful product, you litter your own apartment with unnecessary things. Do you think that this is not happening to you? And Nuka open any cabinet in your house. What's the first thing that catches your eye? That's right, the meat mincer you bought last year, which you have never used, because, you buy minced meat. But, at the time of the purchase, you were absolutely sure that you will use it. So it turns out that almost 40% of what you buy is thoughtless, at best used once, and in the rest - it serves as trash in the cabinets.
So, how to save money from the family budget? It is important to buy only what is really needed. If you are going to buy clothes, be sure to look at its composition. If you see that it is solid chemistry, then, it is worthwhile to postpone the purchase, because the thing will quickly lose its appearance, and it will be spoiled. Choose only natural materials, they serve longer, safer for our body. Cheap things can not be made from quality and environmentally friendly materials, in their composition, most likely, artificial substitutes, which are harmful and quickly lose their original appearance. As a result, you simply throw money into the air. In addition, in order to save money from the family budget, it is worth discussing in advance large purchases and the desire of family members to have something. So, if you buy a bicycle for the older child, the younger one should know that next month, you will buy him the promised toy. So, there will be no conflicts, resentments, misunderstandings and other unpleasant moments connected with saving the family budget.
Before you make a purchase, you must mentally estimate the value of the thing in accordance with your wages. Purchase should be no more than 50% of the total amount of your monthly income. So, for example, a dress with couture at a huge discount will not be a saving if your monthly income does not exceed the amount of 15,000 rubles. such a purchase can be considered a huge cost overrun. In addition, you do not need a thing. You will not go to work in the evening dress, get out or take the child out of school. It is worth considering the functional purpose of the thing that you are going to buy.
The same is true for cellular services. Advertising moves and the promise of what you save is a simple deception. You should not talk to your husband for 3 minutes, instead of the usual one, just because it's so "cheaper". If you sit down and count, you will see that there is no saving, but, most likely, at the end of the month you will have to pay in excess of the usual amount. And only because you obeyed advertising and saved in this way.
There is a saying: I'm not so rich to buy cheap things. Very characteristic saying. When we see a sign in the store "all 10 .. 50 ... 100", we rush headlong to the basket. But, it's worth taking a closer look, as it becomes clear that the things offered for such a price are not of high quality, and most likely, completely substandard. Therefore, buying a cheap thing for 50 rubles. is considered an unjustified waste, because, the thing will deteriorate in a week. But, for such a cost, you can buy one more? Yes, but what about the proverb at the very beginning of the paragraph? It is clear that when shopping, we are trying to save money, but by buying cheap goods, we do not save money, but waste money for nothing. Therefore, cheap cost should not be the determining factor for making a purchase.
What about the goods that are sold at a discount? How to save money from the seed budget in this case? To begin with, it is worthwhile to understand that in this situation, the store earns on the back. Which, in turn, increases due to the action of advertising on consumers, increasing emotions and the desire to buy. Each person is given a head not only to wear a beautiful hairstyle, and there is, but also then to think. That is why, it is high time, when making a purchase, to be guided by one's own head, rather than advertising posters, invocatory slogans and cheap cost. Many people do not like to count their money. They spend them in vain, not counting their incomes and expenses. At the same time, they are always in favor of discussing the prosperity of neighbors, show business stars and politicians. Many of these people are sure that the incomes of sportsmen and politicians are fabulous, they are jealous at heart and think that they are lucky.
Mass advertising of money, analytical articles and magazines, in which data are printed about who and how many of our wealthy compatriots spent last year, causes a strong sense among ordinary citizens of their insolvency. It is those who receive a small income, very fond of counting other people's money. After all, how come you get a pittance for working every day like a damn, and someone just bathes in the millions. And it is not enough, which of these people comes to the idea that, to achieve material prosperity, a person tried, worked, sought, perhaps even more than you yourself. There would be no joy in the success of other people, their material wealth. But, no, the man is so arranged that he will soon begin to be envious and irritated, than to be happy for someone. I must say that not the least role in the catch of his first million from many of the famous people was played by saving money in the family budget. And, even when the financial situation in the family is corrected, people still continue to save.
Returning to the fact that many of us do not know how to count their money, I want to say that of course, it's everyone's choice: to count or not. But, there is a certain point to which this account is affected. And did you know that the word "poverty" comes from the verb "do not take it"? because if a person does not know how to count his money today, then tomorrow he will not have them, because they do not need him, because he does not consider them! A person does not enjoy the process of counting money, from the money itself, and from what they can give to it. The process of counting money unconsciously creates a feeling that there is money and there are many of them. And the availability of money leads to the fact that they become even greater. Do you know the famous saying: money to money? You must begin to believe that the expense of money is important to you, enjoyable and useful. Then, you will start to appear money. When you consider money, it means that you control them, control them. That is, you make the most effective use of your capital to increase it. When asked why people do not like money, many of us prefer to leave the answer. "And that they love, if they are few. Why count them? To be upset? "The roots of the wrong approach! It is clear that in the fact that you do not have or have little money, you should only blame yourself. No one is to blame for this. But, many of our compatriots, manage to blame our state for this. Dear friends, in the absence of your money, no one is to blame, including the state. If you waste money, buy all the useless things in the markets and sales, then you can never have enough money for a normal confident feeling in this world. That is why it is important to know how to save money from the family budget.
So, if you do not have money, you should admit to yourself that it's only you and no one else who is to blame. It's important to sit down and think about what to do. Develop a plan and clearly implement it. But, as usual, not before this. That tap in the kitchen flowed, then the child brought a deuce from school, then on TV show an interesting transfer. How can you choose time to develop a business plan? I can not imagine. Also for many, a good excuse is laziness, hope for parents, husband, "maybe" and so on. And suddenly, you have in your family budget will be superfluous 10 000 rubles. Then, there will be no problems. And where do they come from? Here's the thing, every now and then, that when a person does not consider his money, that's what he gets such a situation that they simply do not. When we consider our money, it means that we manage them. But, again, it is very difficult to manage. Much easier to relax, life itself will do everything for us. As studies conducted by American psychologists show, people who do not consider their money are also unorganized in other spheres of their lives. To manage your finances, it is important to be an adult, responsible and rational person.
People who do not know how to count their money simply do not understand how this simple action will benefit them and their financial condition. The changes that can happen to you, if you start to count your money, will certainly change your life for the better. The fact is that even small children like to count money. For example, if, in the initial classes, children instead of counting any sticks there, would be offered to count money, then by the end of the first class, almost everyone would have thought the way third graders consider. In addition, it would develop in children the desire and ability to manage their own money. Children like to count money because, they know what power is hidden in these pieces of paper, what they can do with this money. When a child finds money he has an idea to get it, to earn money yet. So the normal desire of a person to earn is formed. It is unfortunate that many of the adults are deprived of such an incentive and desire. And all because they simply do not consider their money. How to deal with a man who has almost a whole life behind his shoulders, an institution, a marriage, his children, and he never learned to count his money, is trying to earn money?
To begin with, it is worth learning how to take your money, manage it, save money from your family budget, and choose the best option for you earning money. The very process of counting the money you have has a positive effect on your thinking, pushing the process of earning money by any means. Because it's your business, your money, your wealth and your material well-being. There is one dangerous moment in when a person has a lot of money. He ceases to count them and runs the risk of losing all the earned money. When, you have money that was not there before, you literally "break the roof" of success, and you start spending much more than even at the moment you have money. It is very important to try to keep a sober head, if success turned to you face, and you began to appear money.
In order not to lose your money, save on the family budget, you must learn how to count money, how to manage it. Train every day, do not forget about those traps that are placed by the sellers and the marketing department, and try to earn as much as possible.