How to save money? Useful advice!

Thoughtless purchases - completely kill any budget regardless of its size, money is constantly in short supply, we are used to borrow and constantly torment ourselves with the same question: " How to save money? »

The very word" economy "does not mean at all that you will live poorly and poorly, that you will deny yourself everything and everything to just collect the necessary amount for a more necessary thing.

No, saving money means learning how to correctly and correctly distribute your budget in such a way that even a little money is enough for everything you need and that's left for summer vacation.

How to save money? Rule 4 of the envelopes!

The most elementary way, how to save money , is the rule of 4 envelopes!

This is a very effective method that will teach you how to properly introduce a family budget and forget about overruns.

You will learn how to properly plan future embezzlement, finally you will be able to realize your future goals and with the question: " How to save money? "soon say goodbye!🙂

So, the very essence of the rule is 4 envelopes:

Imagine that there is a married couple in the family who lives in a private apartment, they have their own car loaned! Their joint budget will be 10 000 UAH per month.

1. Consider the total amount of income.

   For example, the monthly income of a married couple is - 10 000 UAH.

2. We deduct 10% of the total revenue for future financial goals, investments.

   So, we have from 10 000 UAH we count 10% = 1000 UAH we save on the deposit or on the savings book.

3. Further we count the amount for the necessary monthly expenses( internet, light, telephone, utilities, credit, etc.).

   For example, we have enough head - 700 UAH for utilities;

   3000 UAH - partially we are extinguishing our car loan, this includes embezzlement for gasoline;

   500 UAH - we postpone on vacation.

4. Now the fun part!

   We have left on hands 4800 UAH.We distribute this amount for 4 envelopes( for 1200 UAH each).This is the family budget for a week!

   Now our vigorous young family needs to try very hard not to exceed it.

How to save money? Planning your own expenses!

Buy yourself a special notebook for your expenses!

Every day, write to it all your money spent before a penny!

For you it is a burden and not very pleasant? Nothing, it will become a habit - you will learn, how to save money !

After a while filling this notebook will cause you only interest and excitement.

Psychologists say that by taking this step you will have reduced monthly expenses!

When you check your records in a week - you are provided with a surprise!

You will find out how much money was spent on delicate and crappy things( different pirozhenki that will only be laid off in your sides, bad glossy magazines, 20 blouses that will collect dust).

Also, permanent notes of various trifles in a notebook can spur you to refuse another spending - simply because you will become lazy again to get a notebook.

Over time, you will learn to save money on unnecessary things.

The main requirement is to write down everything down to a pretty penny! !!

In a month you will be able to analyze the results.

So, now calculate how much money you spent on bullshit?

Impressive?

That's it. ..

Start saving!

How to save money? Useful advice!

• Never leave the house without a list of necessary items;
• Do not buy goods on credit! This will only drive you into additional spending money. Do you need this? Move your brains!

• Still wonder: " How to save money? ", then my advice to you - take for yourself the habit of not buying anything on the day of paying wages!

  Why?

  It was brought by psychologists that as soon as a person is paid a salary - he automatically gets rose-colored glasses on him and he thinks that at the moment he is very rich and can afford anything!

• Take for yourself the habit of paying in stores only with cash!

  Plastic cards only prevent to save: we can not perceive them as money, and squander to the right and to the left!

  But with cash to part ways much harder.

• If you have a huge desire to buy something and manic thoughts do not leave you - be patient until the morning!

  If in the morning you have not lost the desire to purchase this item - then buy.

• Stop chasing the iPhone 6( just because it's cool!), If your iPhone 5 works fine!

  Why waste money thoughtlessly?

• Never buy food when you are hungry! You with a hunger buy 2 times more than you can eat!
• Turn off the light( where you would not be), do not throw away uneaten food.

• If you have not decided yet where you want to invest the accumulated funds for their development - I give a 100% guarantee that you will spend it.

  
  If, for example, you know for a long time where to invest your savings - the successful accumulation of money will only increase at times!

  Just collecting money is very difficult for human nature. You need to understand where to invest them!

• This method really helps me!

  Take for example your daily expense and multiply it by 365 days a year, and then for another 10 years( it can be: cigarettes, chocolate, coffee, lunch in a restaurant, because laziness at home is prepared.)

  You will immediately begin to understand the costI started to deliberately save money

  I really needed to buy a laptop for work, but I constantly all ached and told that a high-quality laptop is expensive and I do not have the opportunity to purchase it.

  But I lovedevery day after work sgo to your favorite cafe and drink a fragrant cappuccino for 15 UAH

  Then later, when I started to be interested in the topic of saving money, I recounted how much this unnecessary habit can cost me in 10 years, honestly - I was in a state of shock when I calculated the total

  Approximately 54 750 UAH for 10 years could go nowhere!

  Mdaaa. .. I honestly had this was not the only unnecessary habit, there were several of them.

  After several months of this analysis, I stopped whining "that there is no money" and confidently began to postpone.

  To make this method work, it needs to be remembered and done daily!

There are 3 skills in money management:

1. Ability to earn money.

   Here, take an example, with a simple woman in retirement age - Marina Marchenko, who earns on the Internet from 7,000 rubles daily.

   Marina Anatolyevna share the secrets of her effective and monetary system, which helped many people forget about loans, about postponing every penny, and finally feel like a more or less free person.

   What exactly does Marina Anatolyevna do and how it turns out, look at the author's website.

   P.S.If you have any questions, you can directly ask their author for e-mail: [email protected]

   
   Tip: Be able to spin and find the sources of income yourself, and not complain about your life!

2. Ability to save money( your expenses should be less than your income);
3. Ability to save the accumulated money and, if possible, multiply them - to invest.

On what you can not save money!

• On self-development.

  Better to deny yourself a sausage stick than from a useful book;

• On health.

  Do not buy yourself cheaper medicines, do not engage in self-medication, because this all can lead to the fact that you will spend 5 times more on treatment for your "self-treatment";

• At the care of yourself.

  Cosmetics, different moisturizing agents that we apply to our body - must be of high quality and do not harm our health!

To summarize, I recommend that you also look at

Useful tips for saving money!

ANY PERSON IN THIS EARTH can master the skills of saving money!

I've always been amazed at those situations where old grandmothers who live on a single pension also help their children, whose income is 5 times even 10 times that unhappy pension.