How to save money, or Some tips for reasonable savings

Rockefeller or Rothschild must be born. Or, if you're lucky, get an inheritance from some American uncle who, even before the revolution, left for a better life. For most of our fellow citizens, the question of how to save money, based on modest resources and opportunities, is topical. At once we will make a reservation: ways which can not be considered completely legal, We will not even consider it. Of course, if you ask yourself the question "how to save up for an apartment," for example, by begging or guessing on the hand, then you can find a lot to follow. It is enough to descend into any underground passage in the city center and ask "future colleagues", and also to agree with them about the recommendations.

But jokes are jokes, and the question for many is pressing. And most of the time, it's not a matter of scanty earnings, but of psychology. Alas, many of us theoretically know how to save money: first, to save, secondly, to postpone small amounts, but to do it systematically and regularly, and thirdly, not to spend on momentary pleasures and unnecessary things. But in practice, these qualities must be cultivated in oneself. In Russia, never misers have not enjoyed honor and respect. Moreover, in our mentality there is something that makes us live on a broad foot, as soon as possible, to rush from the extreme to the extreme. We then work day and night, driven by thoughts only about how to save money, then "get frustrated" and start off on unnecessary waste, party, make broad gestures, try to give all the disadvantaged ...

There is one more problem on the way to systematic accumulation. This is the undermined trust of Russians to the banking system and savings banks. Many people remember the default of 1998, when from years of accumulation people had only one "pshik". And even these funds were very difficult to withdraw. Foreign banks are much more reliable, but not everyone can open an account abroad.

And yet how to save money, suppose, with the usual salary? First, we must draw up a spending plan. There are expenses absolutely necessary for survival: products, utilities. Calculate how much you are spending now on these articles. The next step is to find ways to save money. For example, by replacing the bulbs with energy-saving ones, we will collectively pay less for the meter. Have to analyze and daily habits. Of the usual hygiene, of course, you should not give up, but when you wash dishes, you can save water. To do this, just do not perform this operation with a constantly open faucet. First, you can soak dirt and grease by adding a detergent. With running water, then it will only be enough to rinse the dishes.

The same principles can be applied to the daily menu. Simple products (cereals, meat, potatoes, eggs) are not very expensive by themselves. Therefore, you can refuse from all sorts of semi-finished products, canned food, delicacies, ready-made meals. Simplify the diet - it will be both healthier and cheaper. In relation to all kinds of goods should also be guided by the principle of intelligence spending. For example, why do you need a newfangled "heaped" phone, if you use only two or three functions? Or "branded" sneakers, if you are not engaged in professional sports? Realize that up to 90% of the cost we pay for goods is the firm's expenses for advertising, for combating competition, for "prestige" and positioning.

After determining how much you can save in a month using these methods, proceed to the third step. How to save money from current earnings? Do not waste everything. Postpone systematically and regularly. Of course, there may be unforeseen circumstances in which you have to get and break a piggy bank. But the amount that you (according to your calculations) can save, you should put it regularly. A piggy bank will not necessarily be a glass jar or sock. You can transfer money to a savings account or to an electronic wallet. It is important not to be tempted to take them from there "for pleasure." This should also be taught to children.

How to save money for a student who has few opportunities for independent earnings? First of all, try to limit spending, for example, on mobile games, on paid SMS, on sweets. Thanks to this, the pocket money that parents give will be partially postponed. Secondly, to search for available income opportunities. A teenager and a high school student can go shopping or go for a day dog. Let it and the small income, but independent. With a computer, you can post on forums with payment for a message or learn how to make simple sites. There is always a possibility - there is enough desire and desire to use them.