There is an expression: "The money you saved, you earned", and this is actually so, because people spend a huge amount of extra money that could go to the family budget. Sometimes the savings are really necessary when the temporary incapacity of one of the members of the family, the need to pay a loan or for an early major purchase. In such cases, you can bring to your life a few simple rules.
The first thing you should do is drafting a budget. There are two types of budget - optimistic and pessimistic. The principle of an optimistic budget is a reflection of positive changes in financial events. For example, this month you are counting on a premium, which means that your optimistic budget will be a salary and a bonus. This means that in your spending you will rely on this amount.
The pessimistic budget thinks on the contrary, cuts off the premium at the root. Your pessimistic budget is only your salary. But if you think about it, the most practical of the budgets is this one, because you really can not get a bonus for circumstances beyond your control. A budget of this kind will allow you to save your sudden extra income, because in your spending you will rely on a smaller amount.
The second rule, which is worth entering into your life, is a trip to the store with the list. Make a list before visiting a grocery store and buy everything exclusively from the list. If there are no mushrooms in your list, then they should not be in the basket.
There are, of course, incidents. For example, you were going to fry fish, put it on the list and bought it, but suddenly you realize that there was no sunflower oil left at home, and without it you can not fish a fish. In this case, we operate by the "list + 1 necessary commodity" method. It is necessary, soda and sweets should be in your basket, only if they are on the list.
Making a list helps you to buy exactly the right products, because you see what really is missing in your refrigerator. After all, if you see bright packages on store shelves and a delectable fragrance of goods, you will be ready to fill your basket to the brim with unnecessary goods.
The third point is work on yourself. Some people should get rid of laziness. How does it help save money, you ask? Everything is extremely simple.
People go shopping in the nearest store, it's fast and convenient. Although many know that just in two stops (on the next street, near work or on the way home) there is a shop where prices are cheaper or there is a firm shop of a sausage factory in which these favorite semi-finished products cost several times cheaper. Yes, it's farther than the nearest store, and we'll have to go back with full bags back, but we're learning to save, and in addition we get invaluable physical education in the fresh air.
Another rule of dealing with laziness is home cooking. From this day you do not buy ready-made food! Forget about cutlets from the nearest cookery! Roll up your sleeves, buy minced meat and surprise yourself and your home with fresh home-made food. This will allow you not only to save, but also to improve your culinary skill, as well as increase self-esteem.
Lack of time is an excuse. If you are caring for a child - turn the cooking process into a game, and the child - in the main assistant. If you work a lot and fall off your feet from fatigue when you get home, then make dinner preparations in the morning.
Dear employees of offices, now you do not eat in the nearest cafe and do not take off with your colleagues for pizza, because you cook at home and carry a container of food. Yes Yes! And cook at home a delicious pizza with your favorite stuffing. Let your colleagues be content with the assortment that is on the menu and silently envy.
Now the question arises about promotions and discounts. For example, you entered the store with a list in which there is a pic. And here he is, and even at a discount. Only a firm you do not know, and the rice does not look like the one you usually take. What to do? Leave it on the shelf, where it stood! Because it will be insulting that saving 10 rubles, you get rice, which is strongly boiled or does not like you on taste. In addition, most likely, you postpone this rice until better times and still buy the familiar. If the discount goes to the goods that you have already tried, then checking the expiration date and the integrity of the package, you can take it boldly.
Shares are also an event tricky. For example, you need a shampoo, but if you take more balsam, then you will be given a hair oil as a gift. Present - it's fine, that's just the balm you have at home a whole tube. Do not buy goods in stock, if you save. Well, in extreme cases, it should be a damn advantageous offer, for example, two goods for the price of one, that is 50% discount.
How then to be with the novelties, many of which you so want to try? Sample! If, of course, they are on your shopping list! It is better if it is a proven trademark or product, of which you have already heard a positive feedback.
The next thing you say goodbye is the waste of money on goods from catalogs. Without a doubt, the nail polish in the directory of the girlfriend is very bright and attractive, but do not forget that the varnish of the same color can be bought in the store opposite, and even half as cheap. Moreover, there is no guarantee that these colors will soon become uninteresting to you or you will not have anything to do with them. We do not waste money!
If you are accustomed to a tonal cream from the catalog, then, of course, order it. Or if your man likes to feel the fragrance of these spirits specifically for you, which you can buy through network marketing, then do not deny yourself. You have to pamper yourself, only within reasonable limits. Remember, we buy only what we really need!
Internet shopping is also worth doing carefully. Do not order things that you are not sure of. This applies to clothes, shoes and other things that can have a size. Lower prices in online stores are due to the lack of a sales area, so if you are going to purchase, for example, a phone that costs less than 500 rubles online, then this is logical. After all, you are already familiar with the functionality of this phone, it is no different from what is on the display in a specialized store. We put 500 rubles in the family budget.
Another of the important rules of economy: you no longer take and do not give money in debt. This is not about two rubles, which was not enough for a friend at the machine with coffee, and about more than 100 rubles. In refusal there is nothing insulting, as well as in any way infringing your dignity. It's just that you now have a new rule. It affects all people. You change your life. In the end, perhaps you will have to hurt yourself in some way, to lend money to your neighbor. You should hold on to this position of everything-nothing, and people will stop asking you to lend themselves.
These tips will help you not only save your family budget, but also change your life. It would seem, is it possible to save a lot on these rules? The real benefit you can calculate, if you estimate, and even better write down what you wanted to buy. And you would surely have bought it, if you had not had these recommendations. The main thing is always to remember that a penny protects the ruble.