We were lucky to live during the economic crisis. In addition, one of the most serious in the last hundred years. Experts predict next year a new wave of the crisis, even more severe. Therefore, tips on saving in everyday life will not be superfluous.
Make a stash. If you do not know what a stash is, then ask any married man about it. If there is no suitable man at hand, I will explain to you. A stash is when you postpone a certain percentage of your earnings every month. Optimum - 10 or 15%. If, God forbid, there will be problems with the work, you will have money in reserve for the first time. To protect accumulations from inflation, open the deposit in a reliable bank. It is desirable with the participation of state capital.
Always pay cash in stores. It has been economically proved that paying with a card, we spend 30% more on purchases. What if they paid for the goods in cash. This phenomenon is from the field of psychology.
Make a shopping list. And take in the store the amount that is enough to buy goods from the list. Even if you are tempted to buy something extra, there will be no money for a whim.
If possible, buy products on the wholesale market. Savings will be very significant - 15-30%! If a large amount of goods you can not afford, you can cooperate with neighbors, friends or relatives.
Buy the goods in large packages. Every housewife knows this. The price of packaging takes a significant share in the final cost of the goods. Sometimes the cost of packaging is higher than the cost of its contents.
Do not skimp on shoes. Checked by personal experience. Quality leather shoes will last you at least two years. And cheap shoes can fall apart in a month. First, you have to buy new shoes. Secondly, the tragedy can happen at the most inopportune moment. Thirdly, you may not have money in the near future nanovuyu shoes. Everyone remembers the proverb - the miser pays twice.
Stock up on imported goods for future use. This is due to fluctuations in the exchange rate, and not in favor of domestic. But buying, for example, imported cosmetics, consider the expiration date. Otherwise, it may turn out that the purchased goods will deteriorate before you can use it. So, money will be wasted.
Do not hesitate to buy goods, second-hand. It can be work clothes, a mobile phone, a laptop, furniture for a dacha, a car - anything. The savings will be very significant.
Do not "get carried away" for sales! On sale, you can save a lot of money. But to buy things you absolutely do not need. As a result, the savings will be a minus sign. Buy at a discount only those things that are planned in advance. When buying products at reduced prices, be sure to look at the expiration date. Also, make sure that the shelf life is not interrupted or sealed.
Choose a small basket in the store. Do not take a large cart. Psychologists say that unconsciously we are trying to fill it. And the more the cart is, the more products we will buy. Even if they do not really need us.
Do not overpay for the brand. Brand goods are significantly more expensive than their less famous colleagues, similar in quality and functionality. This is due to the fact that the cost of the brand includes multi-million dollar expenses for advertising and promotion of goods. Do not forget that most of the goods under the famous brands are produced in China. And it is inappropriate to talk about prestige in this case.
Pay your loan on time. For an overdue loan, penalties are charged daily and a fine may be imposed. Also try to repay the loan as soon as possible. You will save on interest.
Purchase of medicines. If the doctor prescribes an expensive imported medicine, be sure to find out if there is a domestic cheaper analogue. First, the doctor can receive a reward for the prescription you've written. Secondly, many drugs have an identical active substance. And the price depends only on the manufacturer. And if the medicine is brought from afar, its cost will be high.
Do not run chronic sores. In 2009, many drugs went up by 50%. Therefore, stop the disease in the bud. Do not wait for exacerbations.
Strengthen immunity. To be ill now is expensive. Therefore, the best treatment is prevention. Take vitamins. Go in for sports. Tempered. Spend more time in the fresh air. In general, lead an active lifestyle and keep a good mood.
Do not drink alcohol with alcohol. It will not help to relieve stress, but will only exacerbate the situation. In addition, these are additional problems for both your pocket and your health.
Keep a positive attitude. Try to do auto-training - repeat to yourself that you are doing well. that you will cope with any problems. Psychologists say that the right attitude is the key to success.
Do not give in to the fear of losing your job. Otherwise, you will be nervous at work, and make mistakes. More often remember your strengths and demonstrate them to your superiors.
Keep track of expenses. Accounting is the most important element of saving not only at the enterprise, but also at home. Start a special notebook and write down all expenses in it. You can control the cash flow. Know how much money is left and how much you need to reach out to your salary.
Start saving with a light bulb. Replace conventional incandescent bulbs with energy-saving ones. Initial costs will pay back tenfold over time.
Wash things carefully. Excessive friction wears fabrics, and they break faster. Of course, it is more convenient to wash by hand. But if you do not intend to abandon the benefits of civilization, put on the washing machine a delicate washing regime.
Do not throw away any leftovers. From them you can cook a simple but tasty dish. For example, hodgepodge, salad or homemade pizza.
Do not give up entertainment. Without them, it will be difficult to survive stressful situations. Do not forget about the little joys of life. Just moderate spending on them. You can exchange an expensive restaurant for a fun picnic. And go to the cinema in the morning, when the tickets are cheaper.
Remember about mutual assistance. If you have the opportunity to help girlfriends or relatives, do not deny them help. The time will come and they will help you in a difficult moment.
Learn your rights. If there are contractions at work, study the labor code or consult a lawyer. This will save you from illegal dismissal. As a last resort, you will receive all the payments due to you.
Take lunch from work at home. Home cooking will cost you half as much. You're not going to charge yourself a surcharge on food? And in order not to spoil the stomach with a "dry-fat", take a thermos with a warm soup.
Buy a travel card. First, it's convenient. Secondly, on trips you will save at least 10% of the fare.
Install the counters. One of the most effective tips for saving in everyday life is installing meters on everything that is possible. As in the case of light bulbs, the initial costs will pay off within six months. Also, to save water, it is better to take a shower instead of a bath. And wash the dishes beforehand in the basin, and only then rinse with clean water.
Move the refrigerator away from the cooker and battery. This will save you a lot of energy costs.
Of course, this is not a complete list of tips for saving. But even if you take some of them into service, you can save considerably and replenish your budget.