How to save money?

Clearly identify the target that you are saving.

Find out what its value is and add to the amount of at least 5%, because the coveted car or voucher abroad may well be more expensive.

Set realistic goals!

Do not hope that with a salary of 3 thousand hryvnia you can collect for an apartment in Kiev.

If you are dreaming about your own housing, then you will have to look for another job with a salary commensurate with your desires.
Determine the period for which you want to collect money( real-time!).

And now calculate how much you need to save monthly to collect the right amount.

For example, you collect on a laptop costing 10 thousand hryvnia. You want to make a purchase in a year. So, in a month you need to save about 850 UAH.

Can you do this painlessly for your own budget? If yes - excellent. If not, you will either have to increase the time frame, or look for additional sources of income.
Once you have received the salary, immediately make all the necessary purchases( products, household chemicals, medicines) and pay utility bills.

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Everything else can be saved, but these expenses are mandatory!
You need to postpone at least 10% of your monthly income.

If you want to save for an expensive purchase in a short time, then save at least 30% of your salary.
You do not need to be afraid of credit, but you should carefully think everything over before running to the bank.

If you have unstable incomes, you are on bad terms with the authorities, you often get sick and all the savings periodically go to treatment, then you should not take risks.

Marina also recommends:
- get acquainted with the opinions of experts on the state of the country's economy in the next few years;
- not take a loan for more than 5 years;
- not to bear children during this period( it is necessary to spend not only a lot of time on babies, but also a lot of money);
- take a loan only in national currency, no matter how attractive interest rates in dollars might look.
Learn to control your expenses if you save on something.

Forget about: "Oh, what skirt, I just have to buy it," "A hen party in a nightclub?

Of course!

Now driving to a neighbor, lend her money "," We will buy a second cousin as a gift for a wedding silver service.

Yes, all relatives will get away with envy! ", Etc.

And from bad habits is better to give up altogether. Just count up how much you throw money at cigarettes!
To keep the money you save, it's better where you can not get to it so easily.

Best - on a separate bank account, which you will replenish every month.

If pathologically afraid of banks - give a piggy bank to save parents and forbid you to give it before the deadline.
Try to earn more at a time when you save on something serious.

But I believe that this advice is always relevant!

I do not understand how you can sit on a salary of 1 thousand hryvnia and complain that you do not have enough for anything.

Of course, not enough!

Yes, this amount is not enough for anyone!

It's just a crime, being young and healthy, to be satisfied with such a miser.
Do not be afraid to turn on the austerity mode, if necessary.

Marina told me how she and her husband paid the car.

They for a year have put the money given to them for the wedding on the deposit.

A year later, they held in their hands the amount of 20% of the cost of the car, but still remained on insurance, its registration in the traffic police, etc.

The rest of the amount they decided to take on credit for 5 years.

Having received a printout with the amount of the monthly installment, they paid 25-30% more. When it was left to pay only 15 thousand hryvnia, Marina's husband was left without work.

He found a new job, but they paid one and a half times less.

And then they began to save everything: on clothes, entertainment, even - products and household chemicals.15 thousand were paid for six months.

Agree this is not so long, if it comes to the desired car!
. Save money for something permanently.

First, without goals in life, only short-sighted fools live.

Secondly, you will get into the habit of living for less than you earn.

Thirdly, you will be financially protected from unpleasant surprises( the same operation, tyufu-fie-fie).

I know that most people have the phrase "save money" causing toothache.

Indeed, this is not the most pleasant process: you have to control your spending, in some cases constantly deny yourself and still collect the right amount often does not work.

I too long thought so, until I learned from my economical girlfriend some secrets, which I hasten to share with you.

So, today we will learn how to save money for something really worthwhile.

Who taught me how to save money?

I have a friend Marina, I already mentioned it in one of the articles.

So she is for me a role model in terms of managing her finances.

I sometimes think that my friend at work freaks a sorceress, because I can not understand how the family, consisting of a museum employee and photojournalist, has not yet starved to death.

But Marinka and her husband look quite healthy and happy, have their own house( left by their parents, but they did it themselves on their own), drive by car( "Daewoo-Lanos" is a car, you know, snobs) and every year thoughwould rest for a week( let in Ukraine, but still).

I could still understand how my friend saves on clothes or food, but how does she manage to save a decent amount for buying new furniture, a car or for spending a holiday together with her husband in the Carpathians?

Once Marinka taught me how to manage finances properly, now I asked her to teach me and my readers how to save money for large purchases.

My friend did not deny me.

Its advice was quite simple and effective.

10 rules how to save money

Of course, to argue that to collect a large amount - just spit, Marinka did not.

She honestly admitted that she would have to make an extraordinary effort, especially if it was a large-scale purchase, like a car.

And still have to adhere to the implementation of certain rules.

I consider obligatory Marina these 10:

I recommend that you also watch a short video,

, which tells you a few more ways to accumulate money

to realize your dream:

And the last thing I would like to emphasize, if we are talking about how, how to save money : do not give to anyone in debt.

Exile from your life of permanent debtors at all, otherwise with such friends-companions you never realize your dreams.