Seven rules of economy
1 rule. Record your expenses
The recording of all expenses is distributed, both for large purchases and for small purchases. Start a special notebook or open a special computer program - Excel, divide the table into several graphs and every day, you will enter all your expenses. At the end of the month you need to add up all the figures and then you will find out how much money is spent for each expenditure item. If you delete purchases that you could do without, then you will see how much money you can save in another month.
2 rule. We plan and analyze
At the beginning of each month, plan spending and revenue items. Each person has urgent payments, which must be paid necessarily, they can not be missed - credit, mortgage, rent. If you calculate these costs in advance, then you will know how much money remains for the remaining purchases. Everyone in the budget has a network of "constant" costs, they can be predicted. So you need to save on "volatile" money, which is unclear where to creep.
Analyze your purchases, think about what purchases are more important at the moment, what else can wait, without which you can do without, try to live within your means.
3 rule. Avoid debts and credits
Money is very simple to borrow, but it is much more difficult to return them, especially loans with their complex interest system. Try to postpone each month a little on large purchases, rather than borrow a large amount from friends and buy things at once. It happens that circumstances play against you, and you can not return money in time. Learn to rely on your wallet and only on yourself.
4 rule. We postpone on deposit
The deposit is considered the safest way to invest money. In the rating of the most reliable credit institutions, select the bank and open an account there. Put off on this account from 5-30% of your salary, after you receive it, until you have spent all the money. The deposit will be your stock for a rainy day, or for some expensive purchases. It is more profitable to take it off at the end of the term, otherwise you will lose interest. Get several accounts in different banks, you do not need to "put all the eggs in one basket", let there be at least two different accounts. Know that in case of crisis in the bank, your investments are insured by the state up to 700 thousand rubles. The ideal option would be if you form such a monetary "safety cushion", which would equal no less than your three sums of monthly expenses.
5 rule. Leave the rest of the money on the card
When you receive money on your bank card, you do not need to immediately withdraw the entire amount. It will be better if you leave a small balance of money with each salary, you can use it if you can not keep within the budget within a month. Without much need, do not touch this money. But when several months have accumulated several such balances in your account, it will be a big cash reserve for you, and you can use it very easily, which you can not say about the deposit.
6 rule. Mindfulness, regular counting and self-control
These are the 3 main rules of economy. For sure it will be pointless to save today, consider every penny, when you buy food, and tomorrow spend all this money saved in a restaurant.
Try to count up your money on a regular basis, convince yourself that you need to save money. Saving is like a diet. It will be difficult to start, and then you will get used to it and will automatically save.
7 rule. Conduct market analysis
Do not sweep the goods off the counter blindly and blindly. To learn how to save, you should pay attention to the range and prices. Many manufacturers reduce prices when they enter the market in order to attract a buyer. At the same time, the properties of the product and the quality are not even worse than those of those who have already "made a name." Pay attention to the difference between domestic and imported goods, between handmade goods and mass-produced goods, between goods that are packed in bright packaging or packaged in simple packages.
Take care of discounts, they are hiding the catch, just the product will soon expire.
What can you save on?
Cigarettes
Are you going to quit smoking? You need to protect your health, and you can actually buy a set of underwear for money saved. It sounds tempting.
In a week, an average saving of 4 packs of 50 rubles.
In a week - 200 rubles.
In a year - 9600 rubles.
news
The purchase of periodicals seriously ruins the wallet. Magazines, newspapers, because you can read all this on the Internet, you can look through the beauty salon while you wait your turn. Do you really think that you will not live without a thick glossy magazine? After all, with this money you can buy a month 10 different interesting and useful books that will not become obsolete in a month, like your magazines.
Savings (3 newspapers for 20 rubles per week, a magazine for 100 rubles):
In a week - 160 rubles.
In a month - 640 rubles.
In a year - 7680 rubles.
Snack
The family budget is very poorly affected by these small, unplanned expenses. There are twenty rubles, ten rubles, you look, but you do not have a thousand rubles. Everyone knows this situation. Let's take control of these expenses. Chewing gum, ice cream, Coca-Cola, sneakers, buy when you really want it. And then by the end of the economical year you could enroll in Spanish courses.
Saving (3 packs of chewing gum for 15 rubles, 5 drinks for 20 rubles, 5 chocolates for 15 rubles, 50 rubles for the poor):
In a week - 270 rubles.
In a month - 1080 rubles.
In a year - 12960 rubles.
Purchases
Do not go without business to shopping centers and large shops. Take and write a shopping list when you go to the store, and try to stick to it. Take discount cards. Do not make rash purchases, put aside for half an hour the thing that you liked. Take a walk around the shops and figure out if you really need this thing, and if you do not buy it, will it survive. If by credit card you buy things, keep all checks and check periodically the balance of your card.
Savings (1 useless purchase per week)
In a week - 1000 rubles.
In a month - 4000 rubles.
In a year - 48000 rubles.
Imagine how much money you will have on the necessary and considered things, if you stop making useless purchases, with nothing better to do. You need to keep your wallet under control. In every family, regardless of income, you can plan everything so that the welfare of the family will constantly increase, and not live from pay to pay. In many families, half the income goes, it's unclear which direction. I just had money, and they are gone. If it is reasonable to approach the family budget, then these losses can be reduced to 10% of the total amount.
Compulsory payments and expenses are municipal payments, loans and so on, and this line of expenditure is half the family budget.
Then there are food costs. For the economical mistress here is the sea of activity. And if the food is bought chaotically, then many expensive and harmful components will be added to the necessary products. Do not talk about the health benefits of semi-finished products, they are more expensive than dishes made from natural meat. They are fast and convenient, but they are more expensive, but they are a food of incomprehensible composition.
Separately, there are various sweets, curds, curds. They contain a lot of sugar, it's bad for the figure, and besides, there are various additives for enhancing the taste. Still nothing is thought up cheaper and better than fermented baked milk and ordinary cottage cheese, here you can put sugar to taste.
Do not give up soups. For the whole family, the first course is an inexpensive and hearty meal. It costs cheaper twice than the second dish. You need to eat seasonal fruits and vegetables. They are cheaper at the time of harvest. With mayonnaise it is better to switch to sour cream, there will be a double benefit for the purse and stomach. It is worth to buy vegetables in the market, poultry, fish and meat in the store at the meat-packing plant.
Since the food was sorted out, there are still spending on clothes
In relation to Russians, nature has thrown out a cruel joke, we have 4 seasons, and for every time clothes are needed. In winter, you can not do without a down jacket and a fur coat, in the summer without shorts and T-shirts.
It is possible to solve economically the issue of clothing. In the wardrobe, women have things that have become great or small. They can be distributed to relatives, you can sell, you just take a picture of this thing and place a free ad in the newspaper. And the closet is unloaded from clothes and there is a small income. The same applies to children's things, they can also be sold if they are no longer needed.
Now we know what to do with minor trifles or how to learn how to save money. It is necessary and can be saved, the main thing is not to turn over time into a tight-fisted greedy woman. You need to remember that you cut yourself in small things in order to get new vivid impressions when traveling to the sea with the whole family, or you want to buy the right big thing.