How to save money? What can you save on?

One important rule of financial literacy, proposed in this article, will help to realize even the most unrealizable dream.

Planning, precede correct actions, and prevent bad ones.

How to save money shopping?

How to save money shopping?

Before you start saving, you need to have a precise concept for what purpose you need to take care of savings.

• If there was a decision to save up for rest, an apartment or just to save - it's one option saving
• If the income has decreased, for unforeseen reasons it's second variant
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• The third version of - if you climbed into the debt hole and can not see the clearance

from the origin of the reason, the need to save on purchases, there is one financial rule:

Competent distribution of all revenues received.

The principles are simple, the observance of which will not only help to increase prosperity, but will also help to get out of the deepest debt hole:

All the income received, for a certain period of time, we take for 100%.

We distribute it:

• 10% - charity
• 50% - everyday needs
• 10% - account for training, development
• 10% - investment
• 10% -reduction
• 10% - piggy bank, savings for a "rainy day"

Formula is notaxiom.

Correct it depending on the state of financial affairs.

An axiom with this formula is only charity.

Remember, regardless of your financial situation, there is always a number of people who are much worse than you.

Give it to 10%.The energy of money is arranged so that giving 10%, in exchange you get 20 times more.

In extreme cases, if things are already quite bad. Do charity yourself. In your list, this should be the cost of charity.

• Now that you have decided on the reason of need to save
• Knowing how to correctly allocate and plan costs
• Getting to the very process of saving

Saving money on electricity

Electricity is a necessary expense item in the family budget. Which in our formula refers to everyday spending.

It is reasonable to treat this source of costs using recommendations:

Video: How to save money on electricity?

Saving money on food and food

Saving money on food and food

The cost of products is attributed to daily expenses. Obviously, this is the main part in common daily expenses.

• To begin with, from the planned daily expenses, we take away all obligatory payments: utility expenses, monthly loan payment, other monthly expenses

Based on the balance of the resulting amount, we compile a list of products:

First for a month. Wholesale purchases are cheaper - this is a well-known fact.

We break it into the weekly list. In some products, there is no such need to buy a lot and immediately. Let's say that if we take noodles or groats in bulk in bulk for a month. Fruit vegetables - weekly. They have a property spoiled. Therefore, we split the monthly list into a weekly list.

Weekly list is shot on daily .Bread, milk, etc.

Analyzing what happened.

• If necessary, the list is reconsidered
• And so on until we meet the allotted amount of expenses. There is always something from which it is possible to refuse
• With a debt hole, when debts occupy most of the income. We are reviewing the items of spending on investment, training and a rainy day. If the funds are insufficient, last but not least, we give ourselves the charity
• . But there may also be an option when most of the income has to be paid to the debts of

. In this case, only one rule:

20% of the debts are repaid monthly regardless of the from the financial position

There is already a struggle for survival. The product planning list is more necessary than ever. Only strict accounting will help to correct the crisis situation of the material situation.

For those who want to reduce their appetite and save on food. We move from planning to a rational approach to the store:

How will you save money when you go to the store?

Video: How to save money and save the family budget?

Saving on clothes

Saving on clothes

It would seem, why not save on clothes?

After all, it does not require daily expenses.

Nevertheless, purchasing clothes is also a necessary part of the cost. Which can be shortened:

• We are reviewing our wardrobe. If clothes are available for all seasons and clothing, temporarily, we completely discard these costs.

. If you need to buy clothes, we purchase clothes:

• in Joint purchases on the Internet. This is a profitable saving. The ability to buy the right thing with a cost of 50% less than the store. If you want to save money, there is always an opportunity to try on a thing first in the store. And then, at a more favorable price, order on certain
• Internet resources through an intermediary on foreign
• sites on Aliexpress or other available sites. Where the price is much lower than in the retail trade

Well, if there are more than 50% of the income, then again forget about this expense item, until the balance of the budget is even. In this case, as it is not sad, we get clothes with complete wear and tear.

Video: "Rules of money".How to spend less money on clothes

How to save money on repairs?

How to save money on repairs?

Any repair: major, cosmetic or current, emergency, we plan to spend "black piggy bank".This is 10% of the total income.

The planning principle is different, depending on the financial condition:

• The reason to save is to accumulate something for - these costs are attributed monthly to the "black piggy bank" and forget for the next 5 years for overhaul, 2-3 years for the cosmetic. Emergency as
• occurs If financial problems arise in the case of , income decrease, this item is moved, not for two years and five years, respectively, but as a percentage of the amount of income reduction

For example, the income per month was 30,000 thousand rubles, and was 60,000. That is, expenses decreased by half. Repair move for 5 years and plan it no earlier than 10 years. Again, at the cost of "black piggy bank".Do not forget that in case of improvement and stabilization of income, this period is again subject to adjustment.

• If the deep debt hole - repair costs are temporarily not planned. We are waiting for the moment when revenues begin to exceed the costs of
• . In the case of emergency repairs, we make small expenses at the expense of everyday expenses, large expenses are incurred by the
• . Directly proceeding to repair, we listen to the practical advice provided in the video

Video: How to save money on repairs: expert advice

Reminder: how to save money

How to save money?

1. We set the goal-what do we want from the savings( buy a car, go on vacation, pay off debts or fit into a crisis budget)
2. When we receive income, we write out all the expenditures
3. The expenses are made in accordance with the approved plan. Only in the event of force majeure circumstances do we adjust the plan of incomes received, taking into account the emergency expenses
4. . In no event will borrow , it will push it even further from the goal. We cut only our expenses

Using the method of cost planning for a certain period, comes the understanding that this is the only sure way to save money.

But starting to plan and count on paper. A clear picture of the money leak emerges before our eyes. Where and on what you can really save: cigarettes, sweets or a completely unnecessary, new, "105" pair of shoes.

Learning to plan a budget:

• In a month - it will turn out correctly
• After two - see the first results of
• After a year - the first tangible accumulations appear. Or the opportunity, a little, stick your nose out of the debt hole

Video: 25 Ways How to Save Money