The crisis in the country makes most people think about how to live economically with a small salary. Properly planned budget will help not only not to get into the debt hole, but also to continue to live a full life. Some tips on how to save money in the family will help.
How to save money for small incomes
The absence of economic stability should not affect the small joys of life. You can not stop going to the cinema, theater, shopping. Even if it happens less often than before, in a cheaper segment, but it must necessarily be. The planned pleasant spending can become the main motivation for the accumulation of finance. Here's how to save money with a small salary and save some money:
- Analyze the amount of basic spending money in recent months, distributing them to individual groups.
- Revise the priorities of the cost side.
- Distribute the budget in advance. Keep records of the main money spent.
- If there is any cash, put them on a bank deposit. A year later, you can accumulate a sum that will help you buy gifts for the New Year or pay for summer vacation.
- Find additional earnings that will not take much time, but will help ease the financial problem.
- Take for the rule - to postpone monthly, under any conditions, a certain percentage of the available money, even if it is quite a bit.
How to save money in the light of income and expenses
Having started to keep a strict record of incoming and outgoing money, it is possible to understand at which stage costs should be reduced. Economical people - this is not stingy, but rationally distributing their finances and considering medium and large purchases in advance. You may have to change your habits worked out over the years, but when it allows you to save a certain amount of money, you should at least try.
- Having refused completely or by reducing the number of cigarettes smoked, you can accumulate money for a year, which is enough to purchase a gadget.
- The habit of using taxi services for any reason - carries a large financial burden.
- A lunch break in a cafe will cost more than the cost of a prepared food house, which you can take with you.
- The amount of mandatory utility bills that occupy most of the financial expenditure can be reduced. Set the counters if they do not already exist. Do not forget to turn off unnecessary appliances, fix the running plumbing. A new type of electric meters with different tariffs for night and day consumption, can contribute to save money by putting a bread maker, multivark, washing machine on a timer at night.
How to save money on purchases
The habit of doing spontaneous, rash shopping will interfere with the fulfillment of such an objective as saving money with a small salary. Go to the store for food, make a preliminary list of everything necessary, with the required number. It is better to do this on a full stomach to warn yourself against the temptation of unforeseen expenditure.
You can save money by watching promotions, discounts, sales. But you need to be careful, believe these prices only if you know the real value of the goods at other points of sale or some time ago, so that marketing manipulation does not force you to make a purchase without saving anything. Common orders through online store sites with fast delivery of things and payment of money after receipt, make it possible to reduce costs.
Video: how to learn how to save money
Important advice how to save money with a small salary, will help any family that feels the need for it. Putting the task of accumulation for a specific purpose, it will be easier to achieve the result. A selection of informative videos will tell you how to learn how to save money, save money, lead a healthy lifestyle, not to the detriment of family interests. Observe the rule in strict sequence: to save money on the goal, pay rent bills, only then other current spending - will help to steadily save money.
5 tips from the expert
How to learn how to save money
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products Reviews
Anatoly, 37 years old : My wife and I counted how much I spend money for harmful cigarettes per year. It turned out a lot. The son of a teenager in six months birthday. To buy a good phone for a gift, decided to quit smoking. We will save the family budget in this way. It's difficult, but the gift will be great, and health is only good.
Veronika, 20 years : I recently attended training on how to save a young family with a small salary. My husband and I are students. I want to travel in my spare time. Useful information how to save money correctly, even wrote it to yourself in a notebook. I think we will succeed, because there are many places I would like to visit.
Sofia, 25 years old : We have a young family and we are waiting for the planned child. There are high costs, and live will have to a small salary of her husband. We drew a table with incomes and expenses, where we try to write down all the amounts. It became easier to regulate finances and have already postponed the purchase of a dowry to our baby and hospital expenses.
Constantine, 30 years : I always buy vegetables on the market in the same place. For stability, they make me a discount in money and give me selected products. Save the salary help relatives who have to live abroad, leaving there for work. Send us things, products, which with the cost of delivery are cheaper than in any store.