I am not always good at managing my money, and I am also lazy and impatient. For example, I can break loose and go to the cinema or to a bar for all my savings.

Arthur Kubov

read all the articles about economy in TJ

Laziness and impatience are manifested in something else: I do not cook at home - I hang out in cafes. I am late for public transport when I return home from parties, so I spend money on a taxi or rent an electric scooter. I like to sleep with the lights on.

I'm also fond of advertising. For example, an advertisement for power engineers taught me that when I emptied a can, I would start to think quickly, think of great things, or quickly pass exams. In fact, the energy bank gave me only nervousness, and after two, my hands began to shake.

Recently I decided that it was time for me to change my attitude to money, because I already have so little of it. To do this, I read books and articles on financial well-being and materials on saving from T-F.

Why people don't know how to manage money

Budget planning. I always planned my budget like this: I piled up money, and if I needed to buy something, I took it and bought it. This is the wrong strategy: at least this is confirmed by the fact that I have not yet been to the sea.

You can create a table for planning a budget yourself. Its author saves well and believes that the most important budget is the daily one.

Regular monitoring of income and expenses Convenient to maintain Readers who use them notice a lot that they could not buy and what to save on.

Financial priorities. Group your financial goals into categories: important, not very important, and not at all. Always buy what matters most first. With this approach, there may be no money left for unnecessary goals, but important goals will be closed.

If you buy unnecessary things first, then there may be neither time nor money left to buy the necessary ones. Once, as a student, I spent all the money with friends, and when it came time to pay the rent, I was almost evicted.

Money box. Bodo Schaefer also talks about this technique. Choose your most important desires and start a separate piggy bank for each. You don't have to buy a pink pig with a hole in your back. You can open a savings account with a bank.

Discount and discount cards. Discount cards are valid in chain stores, cafes and pharmacies. Sometimes they are given for free, sometimes for money. In any case, the card will be a profitable investment if you are a regular customer of the store. The cost of such a card can be recouped with the first purchase.

Cost optimization.Some kind of Vasya

1. Make a list of really necessary expenses per month so that it covers basic needs.
2. Find places where you can buy it for less than a convenience store.
3. Set limits on cards and disable online purchases in them.
4. Before going to bed, mentally check is not it I bought today what I need at the best price.

Read how Anton helps him optimize costs

How to spend and save wisely

How to save money in a family

Family budget depends on family circumstances. There is no right way T-F talked a lot about the successes and mistakes of families in various situations:

My parents did not know that there were principles to help

1. Don't buy anything on demand. The purchase must be deliberate and desired.
2. Let the child choose. Don't push.
3. Help draw up a clear financial plan.
4. Don't buy yourself - offer to save.
5. Give the child two envelopes: one for spending, the other for savings.
6. Don't be afraid of bad spending.

As a drastic measure, you can allow children

How to save on food

I am horrified when I imagine how much I would save on groceries if I had been given advice from T-F.

Make a shopping list. Remember, all marketers in the world are powerless against the shopping list guy. The list will help you not to miss anything and avoid unplanned expenses. For example, I don't use a shopping list, so I often overload.

It is necessary to make a shopping list not before going to the store, but at the moment when there is a need for a product. And make it up not on a piece of paper, but on the phone, which is always at hand. We took the last tea bag from the box and wrote it down in notes: "Tea".

Cook at home. When I buy tea in a cafe, I pay not only for the bag, sugar and water, but also for the work of the employees and the rent of the premises. If I make tea at home, I only pay for the tea. The same goes for everything else: cutlets, salads, soup or dumplings.

Don't go shopping hungry. When I come to the store hungry, I buy what I want to eat now, but I don’t think too much about the benefits and price of food. Remember: a well-fed person is a reasonable person.

Don't buy a lot of perishable food. It's simple: you may not have time to cook them. For example, if you buy 25 bunches of green onions at a discount, but then throw away some of them, it's like overpaying.

Stop eating fatty meats. Two reasons: fatty meat is more expensive and harmful to health.

Don't buy energy drinks. I got off the energy drink because I found out that the main substance in the energy that invigorates is caffeine. There is nothing more wonderful about them. I also figured that one energy drink contains about as much caffeine as a cup of coffee. But coffee is more beneficial energy and more pleasant, especially grain coffee.

In addition to these general principles, there are special ways to save on food. There are good savings if these people are called cherry pickers.

How to save money on tariffs

Compare service rates. For example, if you live in Moscow and install a multi-tariff meter, then from 11 pm to 7 am you will pay 4-5 times less for electricity compared to the daily rate.

Refuse unnecessary services. I have a radio in my house, although no one is listening to it. Disconnecting it does not reach their hands, but it pumps out almost 1000 rubles a year.

1. Install modern lever taps - save up to 25% water.
2. Eliminate faults in plumbing and close up cracks - you will save up to 20% heat and water.
3. Tidy up the batteries - save up to 40% on heating costs.
4. Buy modern household appliances - save up to 40% on electricity and up to 50% on water.

There are several other ways to save energy.

How to save energy

Unplug electrical appliances at night. Everything is clear here: the longer the light is on, the more you will have to pay. If a forgotten lamp burns all night, you will have to pay 4 rubles at the tariff. If you forget to turn off the light every night, 1,460 rubles will run up in a year.

Install energy saving light bulbs. Energy-saving lamps shine in the same way and consume 5-10 times less energy. They are of two types: fluorescent and LED. LEDs are more expensive, but they immediately turn on at full power (no need to wait until they warm up) and "live" for almost 6 years.

Use the correct ovenware. Cookware for the electric stove should have a thick and flat bottom. If the bottom is thin, then when heated, it may lose its shape, it will take longer to heat up, and eventually overpay for the dishes.

Place the refrigerator correctly. The refrigerator should not be placed where necessary. For example, if you install it near a hot battery, it will consume more power, overheat, and may deteriorate.

Load the washing machine with laundry according to the rules. If you violate the rules for loading the machine, there will be more electricity consumption, laundry or the machine may deteriorate. Most washing machines are designed for 3.5-6 kg of laundry.

How to save on habits

Lead a healthy lifestyle. Not all elements of a healthy lifestyle lead to savings. how much the gym, personal training and delivery of the right nutrition cost. Julia explained that saving on sports is real.

Use at least those healthy lifestyle options that directly reduce your costs. For example, cycling or walking instead of transportation. My friends tell me that the cost of buying a bike pays off because you stop spending money on travel.

Less money will go away if you stop eating just for pleasure. It is difficult if a habit has developed, and usually the person breaks down anyway. Therefore, it is not necessary to change dramatically: at first, you can reduce the fat content of products, drink kefir, and not buy a piece of cake. If you fail, just try again as if nothing had happened.

Forget about fashion. I noticed that it is profitable to buy not the most fashionable clothes, but the one that is sold for a promotion. You can simply choose a universal classic - you can't go wrong, but at the same time you will save money. Some go further, for example, Evgeny buys clothes in second-hand shops and

Take good care of things. Maxim told about his. Thanks to this, they served him for nine years.

Do things yourself. Of course, you won't make a digital camera, an incandescent lamp or a hair dryer, but a lampshade, original containers for storing things or a photo frame is quite capable of a person. There are many sites out there that have complete hand-made guides.

Replace paid hobbies and interests with free ones. To run, you can go to the gym, or you can find a park near your home. For example, I run in central park, which is fresher and freer than on the treadmill in the gym.

Give gifts made by yourself, if you know how to do something with them. For example, a custom knitted scarf is more expensive than buying from a store. If you knit it yourself, spend only on yarn. Such a gift looks sincere.

Use exchange services. There are special services for the exchange of things. Through them, you can exchange a phone, a car or even an apartment with another person.

How to save money on vacation and travel

The sooner you plan, the better. This applies to travel and travel to another country by plane: the sooner you start tracking the prices of tours and tickets, the more chances you will get a great deal.

What to save on

One day my friend's permanent dentist said that his tooth was a difficult case and therefore I had to pay 5 thousand more. He felt sorry for the money, he went to a free dentist, and since then he has been missing a tooth.

You should not save on your health, the health of others and on the quality of life. You should not smear the wound with toothpaste instead of an antiseptic, save on mosquito repellent and send the girl home on foot instead of taking a taxi.

It is dangerous to save on complex products that are impossible or there is no time to test, - He showed by examples that if there is not enough qualifications in everyday matters,

How to save money competently and on a large scale

Create a separate account for each purpose: your account for buying a computer, your own for travel. It will be more difficult to take money from the account for a specific goal: you will see how with each withdrawal the goal eludes you.

Discuss upcoming expenses with your family. Relatives will not give unreasonable advice, but they will be able to dissuade you from reckless spending or lead to new thoughts. In any case, it is never superfluous to discuss the problem with a loved one.

Pay the required bills first, which threaten with problems. If you do otherwise, the amount you planned to postpone may not remain.

Invest wisely. Investments are not a big deal if you understand them. This will help you

Set big goals. It will be easier to save money if you have a specific meaning of saving in front of you: a car, an apartment or a personal island. Readers of Tinkoff magazine told them that when they began to keep a personal budget.

Some have succeeded Here's what they advise:

1. Choose a car in advance and decide on the price. For the price to be within your power, do not buy on credit, do not take a new car and do not be fooled by the car class.
2. Keep a budget.
3. Optimize costs.
4. Divide the cost of the car by the monthly installments, as if you were paying the loan. Set aside them every month - this is the main condition.
5. Increase your savings with bank interest and securities.

Those who do have a common trait. People regularly set aside a fixed amount or percentage of their income until the right moment came - a decrease in mortgage rates or house prices. Then they used the savings as a down payment on the mortgage or bought the whole apartment at once.

What to do if you can't save money

I opened many pages for this request and even found a recommendation. It seems to me unnecessary, but still important to start with. Why do you want to save money? What are your goals?

After that, you will understand how to save money. Internet bank will help. Just saving is not enough - try. And when, make a stash or invest it.

Unfortunately, saving is not cycling, and the principle "once learned, never forget" does not work. Saving money is a long process that grows overgrown with personal life hacks and traditions that make general rules more effective.

Saving is a habit.

And it is formed in 21 days. This period is divided into several important stages:

1. The first day - you started to act.
2. Day two - you completed the task again.
3. Seven days - you have not deviated from your plans and on the weekend, which seem to be created to arrange yourself a rest from all obligations.
4. Day 21 - the habit is consolidated and becomes conscious.

Lifehacker offers seven simple but working rules that you just need to make a habit - one for each day. Try them for a week to understand the basics of saving money. If you like it, repeat the tasks for another two weeks to consolidate the result.

Saving is not necessarily boring and boring, if you perceive it as a game in which you get coins for winning, and not virtual ones.

Day 1. Expenses

It would be wise to compare savings with a diet, the purpose of which is. For the arrow of the scale to swing to the right, you need to consume more calories than you spend. Accordingly, in order for the amount of money to increase due to savings, you need to spend it less than you receive. Moreover, it is important to know what they are spending on.

If you do not keep track of expenses, then you do not know how much you spend and what exactly.

Even if you live according to your income and therefore know approximately the amount you are spending, the cost structure may surprise you unpleasantly. Therefore, it is worth starting to introduce the habit of saving by fixing all expenses.

The task

Install on your phone. The life hacker wrote about the best ones - just choose the one that suits you. Write down each ruble spent throughout the day.

Do not throw checks in stores, but put them in a special pocket of your bag. Then on them it will be easy to restore the picture of spending.

Day 2. Income

A very simple question: how much money do you have right now? Taking into account the funds on the card, savings, placers of euro cents left after the trip, stash for a rainy day in a box, in pockets, coins rolled under the sofa?

If you know the exact answer, you are an economy guru. And you are reading this text just to make sure once again how cool you are in everything related to finance. Well, either you have 437 rubles left in your pocket before your salary, and therefore it was easy to calculate. But usually a person can answer this question very roughly, and this is fundamentally wrong.

The adage that money loves an account did not arise from scratch, and there is not an ounce of superstition in it - only a practical clue.

You can plan your expenses as much as you want, but it will be effective only if you know everything about your income and the state of your accounts. Therefore, you should have information about your money, not only in cases when there is practically no money left and you need to survive at any cost.

The task

First, record all your earnings. Cash gifts for a birthday, envelopes from grandmother - all these are receipts that must be taken into account.

If your salary consists of a salary and a floating bonus, you are a freelancer, the organization pays an additional thirteenth salary or quarterly bonuses, it is important for you to understand your average monthly income. Collect all payments from the last year and calculate how much you can expect on average every 30 days. Look at what month and what was the maximum income, what contributed to this. When and what was the minimum income: why, whether this situation will happen again and whether this amount is enough for life.

Freelancers can remember everything with information about the movement of funds in accounts and correspondence with customers in instant messengers.

After that, think about all your money, even those that were lying around in the pockets of winter jackets. Finally, figure out how much money you have in total.

By the way, everything that was found in unexpected places should be sent to. You still knew nothing about this money and did not count on it, so parting with it will be painless.

Day 3. Motivation

If you make savings a goal, you will quickly get bored with the process. You limit yourself in various pleasant things, spend time dealing with finances, and what do you get in return? It's time to make savings a tool and think about what goals it will help you achieve.

What do you want to get financially? For some, the goal will be to live to a salary without debt. Someone needs to accumulate an airbag for a job change or relocation. And someone poses like buying a car.

Miracles do not happen: you will not be able to save money on an expensive car or apartment in the center of Moscow.

But the accumulated, for example, can become a start for opening your own business - in this case, it is not at all necessary to have millions. And already the income from the business will fulfill the dream.

The task

Decide on your financial goals. Be guided by rational arguments, but do not force yourself into a rigid framework. You yourself can give up on your desires, because you are afraid to think too globally.

When the goal is clear, decide on a long-term strategy. How much money do you need? And is it possible to get them simply by cutting costs? If not, decide what to do to make the dream a reality.

If you take the issue seriously, you can expect bitter discoveries that will force you to reconsider your life.

Or they won't. But a long-term strategy is a good thing anyway to help set benchmarks.

At the same time, defining a financial goal once and for all is wrong. Return to it periodically, count your money, review options, weigh the relevance of your desires. This is a good habit not only for the financial sector: the sooner you realize that you are doing something wrong, the easier it will be to change everything.

Day 4. Finding ways to save

To save money, it is not enough today to abandon a purchase. In this matter, you need to think systematically. So, if you buy a new game for 1,000 rubles, it will not hit your pocket as hard as chocolates for 50 rubles that you buy every day. You will spend 1,500 rubles on sweets per month, and 18 thousand per year.

There are two steps to looking for ways to save money:

1. Deal with spending habits that are pulling money out of you: going to business lunch instead of bringing lunch from home, smoking. Just counting how much money is wasted is a great motivator.
2. Eliminate unnecessary background waste. For example, you pay monthly for your home phone because you are too lazy to walk and turn it off. Or your Internet tariff is not the most profitable at a mediocre speed. Or from the tap all the time, taking your money down the drain.

The task

Think, remember, analyze which items of expenditure can be reduced or eliminated. To seed, start with one bad financial habit and one background expense, and add new ones each week. At the end of the 21-day challenge, that would be three habits and three background expenses, not bad, right?

Day 5. Lists

As you already understood, saving and planning are inextricably linked. Therefore, you need to learn how to think ahead and, of course, make lists and schedules.

The most obvious one is the shopping list. Firstly, this way you will not forget to buy something you need in a hypermarket with reasonable prices, so that later you will not buy it at exorbitant prices in a store near your home. Secondly, with such a list it is easier not to buy unnecessary items.

Another example is a financial calendar in which you set reminders for when to pay for so that there are no penalties, make a loan payment, and so on.

The lists are individual, so just watch yourself. If in some situation you say to yourself: “It's better to remember or write it down,” then this can be the beginning of a full-fledged action plan.

The task

Start with two lists - and a shopping list.

Think carefully about all meals and snacks. In doing so, focus on your preferences and the possibility of cooking in the middle of the week. For example, you won't have time in the evenings. This means that already on Sunday it is necessary either to cook food for the whole week, or to make semi-finished products so that they only need to be reheated. At the same time, you are ready to eat some dishes for years, while others get bored every other day. It is logical to add the first ones to the menu.

In your shopping list, add the items you need to prepare meals from the menu and are not at home. Check the shelves in the kitchen and bathroom. You may find that you need to add something else to the list.

Make it a habit to immediately add running out of products and supplies to your shopping list.

In the future, it is worth considering what other lists could reduce the financial burden. This could be, for example, an app with photographs of clothes to quickly understand in a store that you don't need a seventh white shirt.

Day 6. Budgeting

It is no coincidence that organizations plan a budget that includes all expenses and revenues. This, in particular, helps to avoid difficult situations. So, on the second day of the challenge, you marked the periods with the highest and lowest income. If in the second case it was a really small amount, perhaps you thought: "Oh, that would be to move some of the income from the" fat "month to the unprofitable ..."

The beauty of a budget is that it can be done with it.

Let's say you're a freelancer who works on a piece-work basis. The dangerous months for you are January and May, because there are so many days off. Accordingly, in February and June, finance will sing romances. But with a budget, you take this into account and go through unprofitable months without problems. Another example: you have enough money back to back only for vital expenses, and the need to pay a tax of 10 thousand is unsettling. But you have planned a budget and set aside a little less than 1,000 rubles each month in advance. This is less painful than spending a significant amount from your monthly salary right away.

In short, the budget is a very useful financial document, and everyone needs it.

The task

You have just started getting to know your finances, so it will be difficult to draw up a full budget for now. Start with the layout. Try to remember all the expenses, compare them with income.

With a ready-made layout, it will be much easier for you to improve your budget and make changes to it in the future, because the global goal is to make it a habit.

Day 7. Date with money

If you are hoping to start a long-term relationship with money, you will have to arrange regular dates with them. Plan a day and hour in your weekly schedule to devote to finance.

Ideally, you should do the following at this time:

1. Check the correctness of the records of all expenses, sort the receipts.
2. Analyze spending. Find out which of them were necessary, which were spontaneous, and which arose through an oversight (forgot a bottle of water at home, had to buy a new one).
3. Record weekly earnings, if any.
4. Start a new shopping list for the week.
5. Calculate your weekly savings, save that money, or transfer it to a savings account.
6. Make adjustments to the budget.

Over time, there will be more things to do for a financial date, but you will complete them faster - this is the magic power of habit.

The task

If you've made it for a week, you've passed an important milestone. Your smartphone stores records of all expenses, and it's time to analyze them.

Do not flatter yourself: they will most likely be all right. People at the beginning of their journey are extremely disciplined.

However, even these almost ideal items of expenditure will tell you a lot. Analyze spending and think about how to adjust it in the future.

This will be enough for the first week, but in the future, add new financial tasks to the list.

Days to come. Developing a habit

Repeat the start week twice more with new conditions. And three times is better, because a month will give more comprehensive data about your finances. And you will notice that saving is much easier for you.

• • Method number 1. Building a chain of financial priorities
  • Method number 2. We adhere to the rule: "Pay yourself first"
  • Method number 3. Registered income and expenses
  • Method number 4. We go to the store with a pre-prepared list of products
  • Method number 5. Learning to work with analogues of the same quality, but at a lower cost
  • Method number 6. How to save on food, products - healthy, but cheap food
  • Method number 7. We fight bad habits
  • Method number 8. Optimization of loan payments
  • Method number 9. Fighting "money absorbers"
  • Method number 10. We install meters for water and gas
• 5. Conclusion

Each of us on this planet wants to live well and not deny ourselves anything, but not everyone knows how to save money. And the paradox of our existence is as follows: if you want to raise your social level, learn to save! Finance loves order. Therefore, just earning them is not enough, you still need to be able to properly distribute them. It's hard to argue with this fact.

In this article, we will cover the following issues:

• How to save money with a small salary?
• How to learn to save money and save money with a small salary?
• How to save money correctly?

And also you can get useful recommendations on what techniques to save money you need to own. What needs to be taken care of so that spending is not an obstacle to a happy life? With a competent approach to finance, even a crisis will not interfere with the achievement of your goals (read more about the crisis).

We learn to save and save money according to the rules and recommendations of experts

1. Saving the family budget is a good habit

The first thing that should be deposited in your subconscious and become the key motto of life: saving is not a way to reduce the standard of living, but, on the contrary, is a competent distribution of your own budget. There is a high probability that by learning to manage your finances wisely, you will raise your social status by reducing expenses such as unhealthy foods and habits.

The costs are not small and completely unnecessary things, over time they take away considerable amounts from the family budget, which are then not enough for more important expenses. As they say: a penny saves the ruble! Smart economy is an art based on patience and perseverance. However, having learned how to save money with a small salary, you will no longer make unnecessary spending, but on the contrary, you will receive benefits from financial investments.

Save - does not mean that you need to starve, give up everything that is possible. Such an interpretation of the concept will not bring anything useful to your life, it will only harm.

This article is intended to reveal the concept of economics in a different light. How to competently manage your own budget, which does not include unnecessary costs. Savings should allow you to accumulate money.

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10 money secrets rich people hide

It is good to have some kind of goal in life that will motivate you to allocate money wisely.

The most important - to comprehend where to start in saving money. Over time, this financial strategy will become a habit for you.

You should change your lifestyle and learn to save money with a small salary in stages:

• start by classifying your expenses into unnecessary and unnecessary;
• then pay attention to the expediency of using paid resources (water, communications, electricity, etc.);
• after - we establish a food system and food costs;
• the next step is to set aside a fixed percentage of the money saved. It is better that they do not lie at home under the mattress, but work and generate income. (We wrote an article about this -)

If you manage to tear off everything from the family budget every month 10 -20% funds already after 6 -12 months on your own account will be an impressive amount.

At the same time, one should not forget that saving is not self-sacrifice and an absolute limitation in spending.

Competent distribution of finances is the way to good changes in your life.

2. Do I need to save on food, food and electricity

Saving on vital resources like food, electricity, and communications doesn't come with a diet of water and bread, candlelight evenings, and hiking to work.

Reasonable allocation of funds means avoiding unnecessary expenses. All the necessary expenses do not lose their importance.

As for the competent approach to nutrition, you will learn about it later, from the section allocated for this.

5 expert tips on how to save energy in your apartment

1. Tip # 1 - Reasonable use of electrical appliances. Take, for example, the same chargers for tablets or phones. Being connected to the power supply, they continue to draw electricity, and at the same time your money, even if the mobile device is not connected to them. The same picture emerges with other household equipment - music speakers, TV, DVD player.
2. Tip # 2 - Use of dishes of appropriate parameters for electric stoves. A significant reduction in the required energy for cooking can be achieved by using pans with an identical bottom diameter to the diameter of the electric hob. In other words, the appliance will not waste the air in the kitchen, which affects the duration and efficiency of heating the dish.
3. Tip # 3 - The refrigerator must be installed in its place. The energy consumption required for the operation of the refrigerator is significantly reduced in direct proportion to its distance from the stove.
4. Tip # 4 - Correct loading of laundry into the washing machine. This type of household appliances uses 10-15% more electricity if you overloaded it, or vice versa - underloaded it. The load must be the appropriate parameter for the washing machine.
5. Tip # 5 - Night shutdown of electrical appliances. It is recommended to turn off almost all electrical appliances during your absence and at night.

When becoming the owner of household appliances, it is very important to become familiar with the energy class. Equipment with low energy consumption has an order of magnitude higher cost. However, this difference pays off very quickly by further saving energy.

It would be nice to have the habit of turning off the light when leaving the room... As practice shows, not everyone has it. However, this problem has its solution: invest in infrared sensors and save money without unnecessary movements.

Perhaps the obligatory replacement of all lamps with energy saving ones... Zone lighting will significantly reduce electricity consumption, at least in the bedroom. Bedside lamps, sconces will bring you much more benefit than two-three-lamp chandeliers.

Reducing energy consumption can be provided with a conventional thermos, which will save you the need to heat water with an electric kettle several times a day.

3. How to learn to save money - 10 ways to save money with a small salary

Ways to save and save your money

Method number 1. Building a chain of financial priorities

A rational approach to spending is the foundation of smart savings. The ability to manage the family budget can be safely attributed to the category of management, the main task of which is to work for its own good. It is necessary to learn that your well-being directly depends on the reasonable distribution of the finances that you manage.

Finances can diverge both with benefit and without it. However, first you need to learn how to determine the level of usefulness of this or that spending. Let's talk about this in order.

IMPORTANT RECOMMENDATION!
Make a list of expenses that you consider necessary, but they are not vital. Try to rethink each point. Think about whether you could do without anything from this list.

Expenses for groceries, utilities and loans (if any) are categorized as urgent spending. The list of less urgent investments should include funds for entertainment and recreation, self-education and savings.

The list of the category is not at all urgent, there are purchases and replenishment of the wardrobe with fashionable clothes, visits to restaurants, the purchase of goods for the home, mobile devices, a new computer. In general, all that you can refrain from in the near future or should not be bought at all.

If the clothes of the most popular brands and entertainment are the top rung of your ladder of aspiration to live better, then, alas, you will not be able to eliminate unnecessary expenses as much as possible. The same goes for anything related to non-urgent expenses.

The second no less important question is the options for investing the saved funds. The smartest decision Is an investment of money in assets that will turn into passive income in the future. That is, you will be able to replenish your family budget with finances without any effort.

Method number 2. We adhere to the rule: "Pay yourself first"

The essence of this rule is that any financial receipt must be "taxed by its own". That is, you should set aside a certain percentage of any funds that appear in your wallet. They can also be immediately invested in your business. You don't need to own your own business to do this. You can invest in construction, antiques, securities, anything that will bring income in the future.

This rule works if you always use it, regardless of any circumstances. No matter how high the degree of your desire to spend the deferred money for other purposes, this cannot be done. Otherwise, You will not be able to learn how to save and save your money correctly.

In general, as mentioned above, money should work. (Therefore, we also recommend reading about where it is better to invest in order not to lose and earn in). About where it is most profitable to invest and where to start investing has already been discussed in this article.

Those who pay themselves first will never have a question: where to get capital for the future possession of passive income. The right investment will slowly but surely increase your family budget limit. At the same time, the amount of investments may not exceed 10% of your income.

For help, 20 % millionaires in the West, learned this rule and were able to get rich. (We recommend reading: "")

Already today you can safely set aside 10% of the funds available in the house in a distant box and forget about them for a while. Let these funds become the beginning of the foundation of your future building of well-being and successful life.

Method number 3. Registered income and expenses

All financially successful people believe that all expenses and income must be subject to strict accounting. Thus, it is possible to identify the cell of the highest costs and optimize them.

Let's say that every month you leave a large sum in cinemas, cafes or other types of leisure. If desired and persistent, this cell of expenses can be reduced or eliminated altogether. Visibility and analysis of your actions - sometimes works wonders. In general, practice helps to determine what is beyond the power of theory.

You must always be aware of all your own financial indicators.
According to world renowned speaker and personal success trainer Anthony Robbins: “ What cannot be measured is not controlled».

Progressive information technologies have greatly simplified our lives. They also touched upon the process of accounting for income and expenses, making it accessible and convenient to use. Specially designed applications have replaced the manual work of creating tables and filling them out.

Visual observation of all financial transactions makes it possible to ultimately gain financial literacy.

A sociological survey conducted in Russia revealed that 85-90% by the time they receive their next salary, people manage to spend almost completely the previous one. Moreover, each of them has a completely different level of income.

Financial literacy will allow you to think differently and will enable you to enter that 15-10% exclusion.

• Recommended reading -

Method number 4. We go to the store with a pre-prepared list of products

Having a grocery list compiled in advance at home will prevent unnecessary and unplanned expenses. After all, the marketing of any store is aimed at purchasing a product that, in fact, does not represent a need for you. Therefore, in the store we strictly follow the list.
Another trick in the way of dealing with unplanned expenses is the amount of money required for purchases in the wallet. It is undesirable to take more.

TIP!
Perhaps it's not a secret for anyone that you should go to food stores well-fed. A hungry person can sometimes buy half a supermarket.

Mobile applications again come to the rescue in compiling a shopping list. In addition to money, you also save your time by purchasing the planned goods. After all, you do not have to visit each department and remember what else you wanted to buy.

It is not recommended to go to the store on payday or advance payment days... As a rule, having a lump sum in hands, a person stops thinking objectively and makes investments that he would not have made on another day.

Experts advise paying for purchases strictly in cash. Plastic cards - undoubtedly a convenient thing, but from an economic point of view - unprofitable. The perception of a bank account is completely different from that of paper banknotes. Therefore, money from a plastic card evaporates much faster than from a wallet.

Method number 5. Learning to work with analogues of the same quality, but at a lower cost

For each product there is an analogue that differs in price from the original, so to speak. Those who have learned this truth for themselves put a tangible difference in their pockets every day. First, you need to learn not to fall for marketing gimmicks.

4 important rules for saving money

1. Higher value products are often at eye level... To choose a cheaper analogue, you need to turn your gaze to the lower or upper shelves.
2. Before you buy household appliances, use the Internet and compare prices for the same model in different stores. In addition, you can get information about ongoing promotions in equipment hypermarkets without leaving your home.
3. Try to have prices for goods not only in the store closest to you, but also in those that are located further away. Sometimes you can save money on purchasing the same unit 10-30% funds, walking a couple of blocks more.
4. Online stores are also widespread... The prices for the goods there are an order of magnitude lower, and you do not need to leave the house for the necessary thing.

The rule of economy on analogs also applies to pharmaceuticals. Imported medicines, the cost of which exceeds all permissible norms, have domestic and cheap analogues. They have a different name, but their composition and properties are no worse than foreign ones.

Method number 6. How to save on food, products - healthy, but cheap food

Immediately discard the idea that you have to tighten the belt tighter and go on a diet. No matter how paradoxical it may sound, but a healthy diet nowadays is much cheaper than a table with gourmet delicacies.

To eat healthy for the body, it is not necessary to spend large sums on food. After all, their cost depends not so much on naturalness, as on many other factors. For example, prices per package. Manufacturer's marketing company, brand popularity.

In taking care not only of the saved money, but also of your own health, give preference to nutritious cereals over "fast food".

Diet optimization can be done in other ways:

• as a rule, bulk products are cheaper than packed in beautiful packaging;
• you can buy goods on the market where bargaining is appropriate;
• give preference to fresh meat in bulk over ready-made semi-finished products. You can cook both first and second courses from it;
• the optimal time of day for shopping at the market is evening. It is during this period of the day that sellers make tangible discounts;
• take a ready-made lunch to work;
• do not forget about the seasonality rule. Vegetables and fruits are much cheaper in their season than at other times of the year;
• first courses are more useful and cheaper;
• draw up a menu and, accordingly, make the necessary purchases a week in advance;
• do not exceed the required limit of required calories;
• it is better to buy cereals, flour, sugar and other products in bulk.

Saving on food will not only save the family budget, but also make adjustments to your health. Don't clog your body with soda, bread crumbs, burgers, and other nonsense.

Optimizing your diet can save you money from 10 to 50%.

So, for example, by giving preference to homemade food, you will not only improve your culinary skills, but also put a round saved amount in your piggy bank. You shouldn't even argue about the usefulness of self-prepared food. In addition, the same frozen semi-finished products in the form of dumplings and dumplings can be glued at home and thrown into the freezer.

Fresh vegetables can also be exposed to high temperatures. By purchasing them in large quantities during the season, you are concerned about future savings.

Amenable to freezing tomatoes, pepper, carrot, greenery... In the cold season, you can not only please yourself with summer gifts, but also benefit your body.

Since most people "eat" most of their monthly income, cost optimization should start with the cost of food.

It is not right to spend most of your life on "stomach feast". It is harmful and expensive, and besides, you cannot save money on food.

Method number 7. We fight bad habits

You can talk about the dangers of tobacco products for hours. Hundreds of videos, books, booklets scare us with the irreversible consequences of smoking. However, not a single pack of cigarettes or an article about a bad habit describes the colossal high costs that it is fraught with.

Avoiding this given dependence is a tangible savings every month and even more yearly. According to the most conservative estimates, quarterly you can save up to 6,000 thousand rubles... Accordingly, for a year, your family budget can increase by 24,000 rubles.

With regard to alcohol, the situation here is somewhat different. Some people simply cannot imagine a good rest without drinking alcohol. At the same time, a person can receive a small salary and at the same time allocate funds daily for a bottle of beer.

If you give up this habit, there is a high probability of purchasing a laptop at the end of the year or opening your own mini business.

Method number 8. Optimization of loan payments

Any loan implies a debt that must be repaid sooner or later.
As practice shows, many people who once took out a loan take this process later as a habit. But few people know that if you correctly approach the optimization of payments, you can significantly reduce the overpayment of the loan.

So, for example, a new loan is able to repay the old one ahead of schedule. Accordingly, the amount of overpayments in this case will be less. However, before taking this step, it is necessary to calculate in detail the benefits of this operation.

IMPORTANT!
When applying for a loan, choose the longest term for its return, so that your monthly payment is minimal. Don't be afraid of the total amount of overpayments.
Often, problems related to the family budget arise due to the increased burden created by the obligation to pay the loan. It is much easier to give to the bank for a loan, for example, 2 000 rublesthan 10 000 rub..

A reasonable decision, before taking a loan, would be a detailed study of the terms of repayment of the loan in different banks. Then analyze them and choose the most profitable ones. You should not immediately be led to a beautiful advertisement.

If you still need financial help, then read our article: - quick ways to find money "

Method number 9. Fighting "money absorbers"

The "Bermuda Triangle" for your finances is not only cigarettes and alcohol, but also seemingly harmless needs - unprofitable telephone and Internet tariffs.

Often, for unknown reasons, perhaps in moments of weakness, we activate some additional service. As a result, we do not use it at all, we forget, but we pay for a long time, not paying attention to where the money goes.

Napoleon Hill - famous writer and journalist of the twentieth century believed that spending is always much easier than saving.

So be prepared for this before you learn how to save money.

The most significant financial absorbers include:

• alcohol and tobacco addiction (bad habits);
• unjustified loans (expensive equipment, a car not according to social status);
• useless mobile services and high Internet tariffs.

In general, every financial transaction should be deliberate.

Method number 10. We install meters for water and gas

Well, and the last way not to become the owner of unnecessary expense is to install gas and water meters. At the same time, one should not neglect the choice of a profitable company that will install the devices.

The lack of meters is fraught with monthly overpayment. After all, then the tariffs are calculated based on the square of the apartment or the number of residents registered in it. In general, you pay for water and gas, even in those months when you were away from home. For example, we were on vacation.

It is noteworthy that these investments in the purchase of meters can be recouped in just six months.

4. How to save money in a family - an approximate table of expenses

How to save your family budget? Consider saving money using an example - a table

Here is an example table, thanks to which you can save your money by evaluating your spending in three categories:

Category "1" - the most necessary (necessary) and important expenses of any person;
Category "2"- minor expenses (expenses) that in any way improve the standard of living of a person;
Category "3" - bad habits and entertainment. These expenses lead to financial problems most quickly and negatively affect the physical and emotional well-being.

So, the table itself is how to save money correctly

Mandatory (periodically) Category "1"	Secondary (one-time) Category "2"	Money absorbers Category "3"
Food, food, etc.	Education (in some cases can be categorized as Category 1)	Cafes, restaurants, night clubs
Utilities (water, gas, electricity)	Furniture	Expensive and useless goodies for health
Transport (petrol, fare payment)	Household and digital appliances	Gambling (poker, betting, etc.)
Communication (Internet, home and cell phone)	Branded items and accessories	Bad habits (alcohol, smoking)
clothing	Hobbies and hobbies	Unnecessary options for different devices and processes (individually)

5. Conclusion

It would be great if this article helped you learn how to correctly optimize your expenses and income, and you could go all the way to reasonable savings. After all, this art will not only save a significant part of the family budget, but also transform it into future more significant passive income.

It is necessary to optimize your own expenses in the following areas:

1. Internet and mobile tariffs... As already mentioned, we give preference only to profitable services, exclude unnecessary ones.
2. Public transport fares. You need to buy a reusable travel pass for the transport you use the most. Single tickets will cost you much more.
3. Motorists should save on gasoline and diesel fuel. It is much more profitable to refuel a car at gas stations of the same proven network than at different ones. Moreover, as a regular customer, you can get a discount or bonus card.
4. The rent, which includes payment for electricity, water, gas. Follow all the rules of economy: replace ordinary lamps with energy-saving ones, turn off non-working appliances from the sockets, if you do not need them in operation, install meters.
5. Optimization of food costs. Give preference to exclusively home cooking, buy only healthy food. Limit the number of trips to cafes, fast foods and restaurants.
6. Entertainment and other leisure activities. Try to deal with momentary weaknesses, do not make purchases under emotional pressure. Pass by expensive brands. Stick to the principle: clothes do not paint a person. Remember that everyone in this life is trying to capitalize on your frivolity. Especially marketers and advertising companies.

Spend less time on TV and get really valuable information.

make money on real estate from 20 thousand rubles in the next week

Good afternoon, dear readers! The question of how to save money is one of the most popular and relevant in modern times. And in order to answer it most fully, I have prepared a detailed article for you.

In it, I will share my personal experience and extremely practical ways that really (and not in words, as is often the case) will help you seriously save your family budget.

Everyone knows that the modern economy is consumer-oriented. Every day they try to sell us a certain product or a certain service. Advertising on television, on the Internet, on the radio runs around the clock. All this creates an excellent breeding ground for thoughtless consumption.

💡From personal experience!
Managing your finances wisely will allow you to see how much money is actually being wasted. And not just for nothing, but for things you don't need!

So, for example, often only by planning your spending and refusing spontaneous purchases, you can immediately save about 10-20% of your budget !

However, you should not think that saving money in the family means completely limiting yourself in everything. On the contrary, through smart savings, you can afford more! Believe me, even with a small salary, you can live quite normally - checked on yourself! 😀

Today you will learn:

• How to save money with a small salary;
• How much and how you can save on groceries, food and shopping in general;
• How to properly manage your finances and manage your money;
• How to save on housing and communal services, transport, rest ...

In the article you will also find a table and you can download a file for self-recording of income and expenses! 😀

1. How to learn to save money + spreadsheet?

Unfortunately, salaries in our country do not actually grow, and inflation does not stand still. Prices for food, services, clothing, entertainment, and utility bills are increasing.

Some people prefer to take loans, but any financier will tell you that loans for living are crazy, as debt bondage is tightening more and more, preventing you from living normally.

Before moving on to specific ways to save money, consider 4 basic rules for smart savings:

Rule # 1: Take control of all your income and expenses.

Do not rush to immediately spend the earned money on everything. First try to plan your budget in detail for the next month!

❗️ For example, basic notes on income and expenses can be made in notebook or at plain sheet of paper ... Record all expenses for food, clothing, utilities, transportation, personal needs, etc. This will help you to competently save wages and calculate unnecessary expenses at the end of the month.

An even easier and more convenient way is to use finished table (Excel) to keep track of income and expenses, you can. You just need to enter basic data - all calculations will be done automatically, this is how it looks:

Rule # 2: Always wivite within your means.

Yes, sometimes you want to buy an expensive thing, go to a restaurant or go on an unplanned vacation. But it’s better to do this if you have extra funds that are not included in your main monthly budget.

Never empty your budget to the ground and do not get into loans, even with seemingly obvious financial benefits. Especially forever refuse loans , the percentages on them are just crazy - more 300% per annum!

Rule # 3: Pay yourself first, then everyone else.

Get in the habit of saving a certain amount of money after each payday. Thus, you will provide yourself with a certain airbag. In the future, this money can be useful for any major investment or purchase.

☝️ Also implement system of rewards and punishments for yourself. Let's say you can spend a specific amount of money once a month on what you want. However, if you could not hold back and spent more than planned, limit your spending next month.

Rule # 4: Don't buy everything at once.

Do not rush to buy new items or run to the first sale that comes along. If you really want to buy a thing, then you should do a market analysis. For example, search for similar models on the Internet, you are 100% likely to find them much cheaper.

Using the example of a table, you can see how profitable savings can be even in such trifles as abandoning cable TV or installing a water meter.

№	Way	Saving
1	Buying clothes and things at Chinese sites	More than 30-50% savings compared to buying clothes and things in offline stores
2	Refusal from spontaneous purchases	Saving about 10% of the family budget
3	Installing a cold water meter	Saving from 200 rubles per month for water consumption
4	Installation of a thermostat for heating equipment	Saving up to 30% of heat consumption in the house
5	Refusal from incandescent lamps in favor of energy-saving	up to 50-75% of electricity
6	Ditching cable TV / replacing free or digital TV over the Internet	up to 700 rubles / month
7	Replacing expensive medicines with cheap analogues or using natural medicines	Save about 50% when buying medicines

The key to smart economy is discipline. It can be difficult to save or save money without it. It is hard at the beginning, when you are forced to give up certain benefits. But over time, you will realize that saving will bring you pleasure and practical benefits.

2. How to save money - 50 simple ways to save your family budget for all occasions

Aliexpress online store

It's easy to make purchases with cashback. Just register on the EPN service, click the " Buy with cashback»Next to the desired online store and choose the products you like.

Part of the money will be returned to you in your EPN account after purchases, which you can withdraw in a convenient way.

Method 3: make smart purchases by making a list before going to the store

If you are planning a lot of different purchases, then do not rush to take them thoughtlessly from store shelves. Always make lists of what you need.

It is optimal not only to make a list of necessary goods or purchases, but also to calculate the total cost of goods. This way you will be able to match the purchase price against your original budget.

⭐️ Usually a person without a food list in 20%cases takes what what he doesn't need ... And with the list, you can easily avoid spending your last money in the store.

And by the way, don't go shopping on an empty stomach! 👍

Method 4: Forget about fast food and cafes. Inexpensively and properly eat at home

Example of products on discounts on Biglion

Discounts on electronics can be purchased in such large markets as Ozon, Enter, Aliexpress, M.Video, Svyaznoy, Eldorado, DNS.

⚡️ In addition, sites are very popular with buyers Biglion.ru and Frendi.ruwhere you can buy things with discount coupons up to 90% percent ... You can also go on a tour at very, very competitive prices!

Method 6: Smartly save electricity and water

If the family does not have enough money, then saving on utilities can always help out. Utility bills are growing quite quickly, and the total amount depends on the area of \u200b\u200bthe apartment and the number of registered people. And, of course, there is no getting away from the amount of energy consumed.

Most of all in everyday life water is consumed in the toilet. If possible, simply install a combined inexpensive double flush toilet and this will save up to 20 thousand liters of water per year ... And replacing the bath with a shower helps save up to 30% of consumed water.

Be sure to install meters (if they are not installed), since you have to pay more according to the standards. It is worth washing things when the drum is fully loaded.

You can save light by replacing incandescent lamps with energy-saving lamps, which help to reduce energy consumption up to 30-50% .

Method 7: Thrift stores and Daru Dar website. Anything for free!

There are tons of communities on social networks where you can donate, give or exchange things. Just type in the search bar “ Give it away»And you can find these communities. We should also say about the site “ Gift gift ».

Things for free on Daru Dar (site: darudar.org)

❗️ The site "Daru Dar" appeared a long time ago, this is a huge all-Russian platform where you can take free clothes, things, electronics, household items and care... In large cities there are entire communities of Darudar people who meet and exchange gifts.

If we talk about the advantages of the site, then there you can get even brand new equipment, clothes from store shelves, jewelry, in fact, for free. But if we mention the disadvantages, then recently there is a huge amount of rubbish on the Daru Dar website.

Method 8: buy cheap and affordable analogues of expensive drugs

Why are some drugs fabulously expensive, while their counterparts are much cheaper? It's all about the aggressive marketing policies of pharmaceutical companies.

You are offered ordinary aspirin, wrapped in a beautiful package through advertising on television and radio, and you buy this drug, naively believing that it cures everything in the world. However, almost all expensive drugs have cheaper counterparts.

⭐️ Example!
For example, Coldrex cold remedy costs from 150 rubles , and the same "Paracetamol", of which the same Coldrex essentially consists, will cost you only 5-15 rubles ... Do you see the difference in the price of drugs and there are a lot of such examples?

Better yet, use natural remedies, they really will help you heal this or that disease much faster!

Method 9: budget a month in advance

The budget must be planned. Especially if you don't know if you have enough money for this or that purchase. It is better to plan a budget not even for a month, but two or more months in advance. You will be able to adjust your purchases accordingly.

Get yourself a diary, in which you can enter information about planned purchases or, which we have already talked about earlier. This way, you avoid unnecessary expenses that can hurt your family budget.

Method 10: avoid frequent trips to hypermarkets and large shopping centers

According to statistics, we spend more money in hypermarkets and large shopping centers than we planned.

❗️ IN 48% of cases, buyers in large hypermarkets make rash purchases ... In this case, a person is usually attracted by the abundance of goods, "mythical" promotions and discounts. It seems to us that we buy a lot and profitably, but this is not so.

In addition, in large hypermarkets, most of the goods (especially food) are of rather low quality, so if you have an opportunity try to buy from private traders - it will also come out cheaper! 🙂

Method 11: repair, not throw away your clothes

Save money on clothes - fix them

We are constantly buying new clothes, gradually throwing away old things. This is not worth doing. First of all, fashion is cyclical, and what looked ridiculous or caused laughter now may be at its peak.

Secondly, it is possible to repair almost any clothes for an inexpensive price, even seemingly "hopeless" ones! 😉

In addition, there are tons of channels on YouTube that tell and show how you can make real masterpieces from old things. And the vintage style is in vogue now. Even you can DIY new shorts from old jeans or sew a vest from a shirt. All you need is your imagination and desire to change something.

Method 12: Buy things and clothes on sales in online stores, as well as on Avito and Yula

Nowadays, quite good, high-quality and sometimes even branded items can be bought on such sites as “ Avito "And" Yula ”, And much cheaper than they cost in stores.

Profitable purchases with savings on Avito and Yula

❗️ Please note:
You can also buy in online stores such as “ Lamoda», Wildberries, Joom... In such large Internet sites, there is the possibility of accumulative points that can be exchanged for clothes and shoes. At the same time, things cost an order of magnitude cheaper than in ordinary shopping centers.

Free fitting, delivery, return and exchange of goods are provided for buyers. And during periods of discounts, you can buy things literally for a penny.

Method 13: Forget about credit cards (use an interest-free period)

Ceramic heaters - real energy savings

Secondly, install a programmable thermostat - it will allow you to save additional money up to 25% thermal energy. A thermostat is a special device that allows you to regulate a certain temperature level in a living room.

In Europe, thermostats are used everywhere, and in Russia such devices have appeared relatively recently. The thermostat is inexpensive and everyone can afford it.

Method 17: Save on pets. Homemade food prepared by yourself

If you have a cat or dog, it is not necessary to feed the animal specialized food. In nature, any animal eats meat, vegetables, roots.

☝️ For example, you can replace dry or wet food with various cereals. At the same time, a kilogram of porridge is very inexpensive. 25-40 rubles.

Porridge can be combined. For food, buckwheat, rice, millet, oatmeal are suitable. Moreover, the diet will be balanced and beneficial for your pet.

Method 18: do not rush to change gadgets and equipment

Large companies present their new products every season, but does it make sense to chase fashion? I think not, especially since usually the new technique is essentially no different from the old one.

It is better to do with one high-quality, but at the same time not too expensive gadget, which, if used carefully, can serve without problems for at least a couple of years. It doesn't matter what it is: a personal computer, laptop, tablet or smartphone. The same applies to any other technique.

Method 19: Vegetable garden on the windowsill

⭐️Useful tip:
Try to buy equipment not lower than " AND"Or even better" A +++ «, « A ++ "And" A + "- this technique will reduce the consumption of electricity up to 50-80%!

Method 24: unplug your cable TV and surf the internet

Now more and more people prefer the Internet to television. It is simple and convenient, all the more there is no need to wait for the release of a particular program and switch channels during the broadcast of commercials.

Cable TV together with the Internet costs about 1000 rubles per month. Moreover, the amount varies depending on the provider you choose.

You can also connect the Internet to your TV via an adapter. With just a couple of manipulations, you can also watch movies and your favorite shows online. With all this, you will save a lot.

Method 25: Make Meaningful Shopping After the Holidays

If you want to buy furniture, appliances or clothes, then try to do such purchases on weekdays, not on holidays. Usually on holidays, buyers are lured by various sales, but this is just an advertising trap (often prices are first significantly inflated, and then, as it were, they make “discounts” and “sales”).

In addition, sellers are trying to sell everything, including illiquid goods. Therefore, during the holidays there is a high risk of stumbling upon low-quality and defective goods. Therefore, do not rush to sales. It is better to wait for the moment when the festive hype dies down and calmly shop.

Method 26: Avoid Cigarettes and Alcohol

On average, a pack of cigarettes costs one hundred rubles. With the daily consumption of one pack of cigarettes per day, you smoke 3 thousand rubles a month ( 36 thousand rubles per year).

☝️ This money can be spent on recreation, entertainment, buy yourself something out of clothes. It seems that a hundred rubles is not so much money, but the amount changes dramatically if you add up expenses for a month.

The same can be said for alcohol. Often people buy light alcohol, which is also expensive. Just kick these habits and you can save at least 3-5 thousand your budget, which can be spent on much more useful and enjoyable things.

Method 27: Freeze for the winter

Travel savings - a real-world example

❗️ There are special services through which you can find fellow travelers (for example, Blablacar - blablacar.ru). You can also find other services offering carpooling services on the Play Market.

Method 30: Learn to Save at least 10-15% of Your Salary

The trouble for many citizens is that they simply cannot plan their budget. It always seems that there will be money, and unforeseen circumstances will bypass. But, as practice shows, this is absolutely not the case.

What are the most common problems? We are spending our budget unwisely. But you need to accept only one rule for yourself.

Save after every paycheck at least 10% of money as an airbag. For example, you get 30 thousand rubles a month. Just put it off 3-7 thousand to a safe place or to a deposit in a bank (but still it is better not to keep too large amounts in the bank)!

Believe me, after about six months you will feel more confident knowing that you have a certain airbag.

Method 31: Save on entertainment for children

If you have children, then you perfectly understand that they are one of the main expenses in the family. Children require constant attention. And it's no secret that now there is a lot of entertainment and they are usually paid.

Contact zoos, trampolines, cafes, children's rooms, water parks - all this costs a pretty penny. You should not limit the child in everything, but at the same time you can come up with a lot of entertainment for children, which will be absolutely free.

Check out the schedule of events on city posters. In any case, there are board games, free parks and fantasy, with which you can keep even the most naughty kid busy.

Method 32: sell old things

Don't collect trash at home. And if you have antiques, you can take them to an antique store. Perhaps you yourself are the owner of real treasures without knowing it. Ancient medals and stamps, utensils, porcelain and crystal products, books, icons, and jewelry are of particular value.

✅You can hand over not only a rarity, but also quite modern things to buy. For example, old fur coats and coats, unnecessary equipment, furniture.

Of course, it doesn't have to be outright junk, so carefully disassemble your treasures and dispose of them. Moreover, they will bring you income and will not take up much space in the apartment.

Method 33: Bring lunch to work from home

Try not to dine in a cafe or snack on fast food at work. In such establishments, food is expensive, and it is not always tasty and healthy. So cook yourself at home.

Get yourself an inexpensive lunch box that can hold sandwiches and don't forget hot food containers. So you can eat tasty, inexpensive and healthy!

Method 34: Follow Black Friday. Products with discounts up to 90%

Buying cheap is real. Follow discounts and promotions. In particular, on the last Friday of November, giant sales will start around the world. Some stores offer quality products at a discount up to 70-90% .

As a marketing and social phenomenon, Black Friday originated in the United States and is associated with Thanksgiving, after which stores usually waited months of stagnation. It was in America that they came up with the idea of \u200b\u200bcompletely selling goods once a year at huge discounts.

⭐️ During Black Friday, you can buy cheap clothes, shoes, appliances, jewelry, gadgets and more. At the same time, both ordinary hypermarkets and large retail chains and online stores participate in hyper-sales.

Method 35: Reduce your vacation expenses. Camping instead of a hotel

Rest is not a luxury, but the right of every working person. If you don't have the opportunity to stay in a five-star hotel, then there are always options available that will cost you cheap.

Are you planning a vacation abroad? Do not buy packages during the high season, as they will be quite expensive. Better to choose non-seasonal destinations.

When planning a trip to the Russian south, you don't have to book hotels, but find a camping site that has everything for a normal life. Camping costs 3-4 times cheaper than a room in a three-star hotel.

☝️ Take note!
Another way to significantly save on housing is to book it from private traders through the online service AirBnb.ru.

Method 36: don't waste money to relieve stress

Shopaholism is officially recognized as one of the forms of psychological addiction. A person can spend a huge amount of money just like that. Many psychologists argue that mindless and spontaneous purchases are akin to a soft drug and bring pleasure.

Usually, after such purchases, a person gets upset and begins to analyze his behavior, realizing that he is spending money on the wrong thing. But then he begins to calm himself down, justifying himself.

Shopping for the sake of stress can drag you into a dangerous quagmire, so before sweeping away all the shelves in the store, just think, do you need it? After saving money, you can spend it on really necessary things.

Method 37: look for free events in your city

Of course, sometimes you want to go somewhere to relax. However, mass events can be expensive, and a ticket to a concert of a capital or foreign star can cost tens of thousands of rubles.

If you don't feel like staying at home and you are thinking of joining the cultural life, then it is not at all necessary to spend all your savings on going to the club or to the theater.

Dozens of advertisements about free events are published on the Internet every day, which may also be running in your city. These are various premieres of performances, films, exhibitions, concerts, show rooms and much more. You do not need a ticket and you can use your personal time usefully.

Method 38: get yourself a piggy bank

As a child, almost all of us had a piggy bank. An ordinary porcelain pig or cat with a slit on the back, into which we carefully lowered our precious coins.

You can also use this method as an adult. A trifle is always useful for travel or small purchases in the store.

⭐️ Often we do not attach any importance to small money. You shouldn't do that. Just buy yourself a piggy bank and put a coin in it. In a month in this way, you can easily accumulate a more or less significant amount.

Method 39: Buy a home in another area

Previously, apartment buildings located far from the city center were not considered prestigious. It takes a long time to get there, it is inconvenient, and there is no transport. But times are changing, and developers are creating huge residential complexes with inexpensive apartments and their own developed infrastructure.

✅ Let's say you live in the city center and have a one-room apartment. You may well sell an apartment (or rent it out) and buy a two-room apartment in another, less prestigious area.

In any case, pay attention to the number of storeys of the building, transport accessibility, the presence of socially significant facilities and infrastructure.

Method 40: insulate and seal your home

You can also save on utility bills. For example, this can be done by insulating and sealing your home. By the way, you can insulate both a private house and an apartment.

Insulation is usually used for these purposes, which is inexpensive and is sold in any market. Materials such as ecowool, mineral wool, polyurethane foam are suitable for insulation. Correctly selected insulation allows you to save up to 45% heat in the house !

Also, if necessary, it makes sense to seal and insulate the windows.

Method 41: home cosmetics and self-care products

Cosmetics and personal care products are expensive, especially if they are promoted and advertised brands. Believe me, simple tools at your fingertips can replace expensive creams and masks.

What can you make homemade cosmetics from? Regular oatmeal, ground into powder, can replace powder. At the same time, it does not irritate the skin and looks natural. You can also use chamomile decoction instead of tonic. Honey is suitable for body wraps and steam baths. Egg and baking soda can easily replace shampoo and hair conditioner.

Salt and turmeric can be used as a natural and natural skin scrub. And for nourishing oils and massages, you can use regular sunflower oil sold in any store.

👍 Natural cosmetic - it's not only cheap. Sulfate shampoos or creams containing hormones are being abandoned all over the world. Therefore, you not only save the family budget, but also make your body healthy thanks to such simple and affordable folk remedies.

Method 42: Get free preventive examinations

It has become expensive to monitor health these days. But you don't have to go to expensive clinics. Free monitoring of the health of citizens is organized in many cities every year.

Just follow the news and come for a routine examination with your passport and a pole. You can go through all the doctors and not pay a dime for it.

Dentist services are incredibly expensive today. But if it comes to dental treatment, then you can carry out all the therapeutic procedures absolutely free of charge in the city dental clinic.

⭐️ Do not rush to give all the money for dental treatment. Just go to a simple clinic, and then just look at a paid doctor. Be sure that in addition to one diseased tooth, a dozen more healthy ones will heal.

Do not ignore free medicine, because sometimes really experienced dentists work in city clinics. If you need to install an implant or prosthesis, then in ordinary social dentistry they will make it and install it several times cheaper than in a well-promoted and often advertised clinic.

Method 44: exchange things with friends

Getting a new one or exchanging an old thing is absolutely not difficult. You can exchange things, clothes, gadgets with your friends. At the same time, completely free of charge, you get what you need at the moment.

The method is suitable for those who do not want to take other people's things on the same " Avito " or " Yulia ". You trust your friends and relatives more, and there will definitely not be any problems with the exchange. As you can see, this is also a good way to save the family budget.

Method 45: Find a roommate or flatmate

The method is suitable for those who have their own two-room or three-room housing. Of course, you can settle a neighbor for money in your room or in a one-room apartment, but you are unlikely to feel comfortable with a stranger in the same room.

A neighbor can pay you utility bills or pay for a room at a price you set. Living with the owner is not an easy thing psychologically, so try to find a tenant to your liking. This is a good way to save your budget and not pay utility bills yourself.

Useful information often appears on the Internet. You just need to learn to filter it from unnecessary garbage. There are tons of helpful earnings blogs about financial planning, our site is no exception!

You just choose the best resource and select relevant information that can really come in handy in your life. Tips and life hacks help you correctly and optimally plan your budget without unnecessary and thoughtless spending.

Believe me, even with a modest salary, you can save money and live very decently. Therefore, we look for information, write it out and then apply it in practice. Try to constantly develop and learn something new! 😀

Method 47: We do things with our own hands. How can you earn and save your budget using handmade?

Did you know that with a little imagination and skillful hands, you can do beautiful and interesting things? You can sew pillows with your own hands, create decor for your home or interior, while spending a minimum of money. You can also sell such things.

The following are popular:

• Making paintings and portraits with your own hands. There are always clients for such jobs who can be searched for on social networks;
• Home knitwear, pillows, sachets, patchwork bedspreads;
• Knitted goods for children and adults;
• DIY clothes and accessories.

Think about what you do best? For example, you knit well. In this case, you can look for clients on social networks and offer them your services.

Method 48: looking for an additional part-time job

There is never a lot of work, especially if you don't have enough money. You can earn extra money even if you have an official job. For example, you can get a job as a weekend salesman in a shopping center.

Such vacancies are often posted online, and weekend sellers can additionally receive about 10-15 thousand rubles to their main income. And this amount is typical for the regions, and in Moscow the payment is even higher.

Freelance articles can be of great help. In this case, you can write articles, give advice, do minor work. The benefit of freelance exchanges is great. The most popular of them are:

• Yandex.toloka.ru is a service for earning money from Yandex, suitable for a little part-time job for almost everyone (the tasks here are very simple, so initially no skills are required).
• Kwork.ru. The site is relatively young, but it is very popular with freelancers. You can create so-called quorks, and the customer chooses you and pays for them.
• Pchel.net. The resource is not bad, it is suitable for beginner freelancers. The site appeared back in 2007 and it still operates. There you can find tasks on naming, rewriting, copywriting;
• Fl.ru. The site is considered one of the first Russian-language exchange, which has a lot of different tasks and orders. But there is also a minus. You will have to buy a professional account, and it is not a fact that it will pay off in the first month;
• Moguza.ru. The pricing policy on this site is dictated by the freelancers themselves. You can come up with a task and set any price for it. If your offer and price suits the customer, he will be able to order the work;

You can also earn good money on text copywriting exchanges, such as ETXT or Advego... In any case, choose large sites and do not settle for offers that are obviously unfavorable for you.

Method 49: Join Volunteer Programs

Volunteering is a special mutual help between different people. Volunteers carry out various programs and it is not at all a shame to make friends with them. Did you know that volunteer programs allow you to earn money and see the world around you? Let's consider the most unusual and interesting ones:

• Company World Wide Opportunities on Organic Farms helps volunteers from all over the world grow vegetables and fruits in countries ranging from Holland to French Polynesia. At the same time, volunteers are provided with housing, food, and a salary. You can choose the scheme and country yourself;
• Rescuing turtles in Thailand. You can join the Naucrates environmental project. Accommodation and meals are provided. Volunteers monitor Thai beaches and help the turtles not to die. The volunteer contract is concluded for 9-12 weeks;
• Teaching children in Peru. There is a chance to visit one of the most unusual countries in the world. And at the same time not just to visit, but to spend time with benefit, teaching children in Peru computer literacy, language, art, literature. International Fund "Santa Marta" invites volunteers to work;
• Teaching children in Brazil. You can go with volunteers to Rio de Janeiro or São Paulo. Organization MonteAzul provides an opportunity not only to see Brazil, but also to help children in need. Accommodation and free meals are provided for volunteers.

Volunteering isn't exactly a classic way to save money. This is a way to earn extra money, allowing you to get to know different states and different people.

Method 50: Use cash more often than bank cards

It would seem, what does cash and savings have to do with it? And there is a relationship! 🙂

In everyday life, we pay for many purchases with bank cards and simply do not notice how we spend money, but all because we do not have the feeling of money!

Agree, when money is in your wallet and you can touch it, then it’s even a pity to part with it, and even more so you don’t want to spend it on unnecessary things.

The situation is completely different with bank cards. I have noticed on myself more than once that when shopping with a card, you are more likely to collect much more than you need!

Look after yourself, I'm sure, and you will notice a clear difference! Trivial advice, but it really works! 😀

3. Change your thinking and your life will change

You always want to earn more. And you can do it. The main thing is your desire and motivation. If you do not like your job, then look for a replacement, since now there are a lot of proposals and good specialists will always be needed.

There are people who simply do not know how to increase their capital. It seems that money like water flows through your fingers. You need to change certain outlooks on life, such as:

• The subconscious belief that you have to hold on to your job. Don't, because you can change your life for the better at any time. Always look for and probe the best options for yourself in parallel;
• Patterns and habits of behavior. You cannot be a slave to life's circumstances. Life is one and don't be afraid to change it;
• Use any options for a side job. For example, the same freelancing, when you do not depend on bosses and your colleagues;
• Do not let your development stagnate. Always try to improve your professional skills.

The most important thing is your social circle. Do not be afraid to make new acquaintances, thanks to which you can find a new higher-paying job. Therefore, you should not avoid meeting people who are new to you, who can bring potential benefits.

4. Conclusion

So, we have covered the most interesting ways to help you save your budget. Do not be afraid. If you learn how to properly plan your finances, then you will understand that money does not go to waste.

Simple ways are available to everyone. Some of them are already familiar to you, while others will be a pleasant discovery for you. Don't be afraid to change your life. And then it will definitely change for the better together with you!

I really hope that this article turned out to be at least somewhat useful to you, I really tried very hard! 😀

I wish you a good mood and profitable savings! 👍👍👍

❗️ If I missed something, be sure to write about it in the comments below. Also tell us about how you manage to save money - many will appreciate your experience!

We will be very grateful if you rate this article and share it on social networks! 😀👍👇

The problem of saving money is faced by every second person, and sometimes it is the economy that determines the standard of living and development for each individual person. "How to learn to save money and save with a small salary?" - the answer to this question will be given in the article, but for now it is worth considering whether I am using my earned funds correctly, or, perhaps, it is worth revising some of the items of expenses that we are so used to.

How to learn how to save money and accumulate a family budget? We will tell you how to save on food and electricity + examples.

In this article, we tried to answer such important questions:

• How to learn to save money and save it today?
• How to save on food without harm to health?
• How to save money with a small salary and how can you earn money without investment?

Competent saving of money in the family: is it realistic to earn and save money on this?

The most important thing to remember is that saving money does not at all mean a decrease in the standard of living, it is just enough to rationally use the money earned, this is especially true if the salary is not so big. It may happen that rational spending of money will help not only save the necessary additional money, but also get rid of the use of some harmful products that have a noticeable impact on the quality of life.

After all, how does it usually happen? At first, people spend a small amount on things they don't need, however, due to the frequency of such expenses, over time, the amount increases significantly, and thus hits the budget very hard. Saving money and spending money well Is a whole art that everyone should master.

It is not for nothing that the strongest of this world and simply rich people teach that in order to become wealthy, every penny invested must work. And if you don't think about it, then in a matter of time you can blow a fortune down the drain, no matter how much money there was initially. Therefore, this article will focus on how to learn how to spend correctly, what you can save on and what expenses should be discarded, without prejudice to your usual lifestyle.

It is also important to note how important it is to have a specific goal or want something very much: and you need to remember that the goal here is considered more global than the banal "I want a new phone" or "it's time to update your wardrobe." More global goals should be understood as the availability of funds for study (education), the desire to have their own, separate housing (this can be funds deposited or ordinary mortgages) or capital investments for starting their own business. Then, in each individual case, a person will subconsciously have an attitude “I'd rather save this money than spend here now on an unnecessary, by and large, thing”.

In this case, when there is a specific goal, the most important thing is to understand where to start saving, then show a little patience, and finally, at the last stage, saving will simply become a habit. And when reasonable spending becomes a habit, life will become easier - it will be possible to give up everything unnecessary without any problems and choose only those products, goods and services that, in fact, can be useful in the household, in everyday life and in life.

By staging

In order to competently spend money, it is necessary to do this in several stages, since at once, at one point, it will be quite difficult to abandon the usual way of life and move on to saving issues.

So, to start the process of optimizing your expenses, you need to do the following:

1. All expenses incurred by a person must be divided into 2 main categories: mandatory and optional. Obligatory expenses, as a rule, include utility bills, mobile and Internet payments, kindergarten / school expenses, as well as various taxes and fees. Mandatory expenses are obviously more difficult to adjust than optional ones, but this can also be done, the main thing - there would be a desire. Optional expenses include such as clothing, food (extra), entertainment, spontaneous spending, etc. But more on that later.
2. After all costs have been allocated to mandatory and optional, you will need to turn to costs such as utility bills and communications, and perhaps, if possible, revise them. In general, you can reconsider your spending on cellular communications, the Internet and electricity, because yes, you can also save on this - the main thing is to know how.
3. After that, there is a transition to saving on food. In general, speaking abstractly, food is one of the main expenditure items, which, with a conniving attitude and thoughtlessness, can take away about 40-60% of earnings.
4. After optimizing food costs, it's time to turn to savings and start saving. Even if there is no specific goal yet, it will be possible to save 10-20% of income, which at any convenient time can be put into circulation or invested in an interesting, profitable business. Even if about 5-10% of each salary is left, after 8-10 months it will be possible to notice how large the amount has been collected.
5. And finally, counting. The saved amount can be spent on something more important and necessary, which, in the end, will bring more moral satisfaction than an unnecessary purchase.

Summing up all of the above, we can say that in fact, getting rid of unnecessary spending is very simple, the main thing is to understand and accept the fact that saving still does not make you sit on bread and water, it just allows you to redistribute finances to something more useful.

How to save on food (Calculation and real examples).

Nutrition is one of the most "insidious" items of expenditure, since under the guise of a necessary minimum, a person often gains so many excess products, which, perhaps, can feed 2 more families. Of course, some of these products are simply not eaten and thrown into the trash, however, as soon as you calculate how much money is spent on this every month, your hair stands on end. To prevent this from happening, it is better to listen to simple, but very effective advice that will help you save extra money on food.

• Council number 1. Shopping lists and price comparisons.

An ideal saving scenario looks like this: a person makes up his diet for a week, thinks over what products he will need, checks how much from the list he has at home, and goes to the store for the rest. Of course, this happens extremely rarely, but nevertheless, thinking over your nutrition plan in advance is a great idea. If there is no clear answer, you can simply decide what kind of plan these dishes will be: today and tomorrow soup, the day after tomorrow a garnish with vegetables, in 4 days - a meat dish, on Friday there will be a fasting day. This example is just an example, but it seems like the idea is clear. Those products that are in short supply should be listed and followed during shopping trips.

Now the era of information technology reigns in the courtyard, therefore, it is good that access to unlimited information resources of the Internet is truly unlimited. Thanks to this, in a matter of minutes, you can find and install special applications on your mobile that help you create a shopping list. These applications include: "Buy a loaf", "My economy" and many others.

The same goes for price comparisons. Every large supermarket chain now every 2 weeks (or even more often) publishes special electronic catalogs, which contain relevant promotions and discounts for various groups of goods. For comparison, you can download a couple of such catalogs and from time to time compare prices for similar products in two or three different stores - incredible, but sometimes the difference is significant.

• Council number 2. Avoid spontaneous purchases

Spontaneous, or they are also called in another way, impulse purchases are purchases that were not on the original list, but in the supermarket they suddenly began to seem vital. It happens, of course, that a person simply forgot to add some thing to the list, and when they came to the store, they saw and remembered about it, but in 90% of cases this is not the case.

Impulse purchases can also include those products that are suddenly discounted, but which are completely unnecessary. For example, "a daikon costs 10 rubles less today than yesterday, I'll take it!" or "Oh look, just today you can buy 2 extension pilots for the price of one." In most cases, having bought this thing and bringing it home, a person suddenly begins to understand that he made a mistake and threw money down the drain, but, unfortunately, realization comes too late. Therefore, if you really want to buy something, you need to mentally ask yourself several times, “Do I really need this? Where will I use it? " and if, within a few minutes, an unambiguous answer does not come to mind, then, most likely, it will be possible to do without this product.

Also, when shopping in a supermarket, you need to go through only those departments that are needed, and if you stroll through the supermarket with nothing to do, the risk of making a large number of spontaneous, and in fact unnecessary purchases, increases significantly.

• Council number 3. discount cards

Now almost every store or supermarket has special discount cards that anyone can purchase. Often, you need to pay or make purchases for a certain amount for the issuance of this card, but you need to remember that this is a one-time expense. But you can use this card for a very, very long time, and this is another way to save money correctly.

In stores, you can find price tags, indicating the full cost, as well as the price, especially on the discount card. If the difference between prices for one product is not too big, then in the end, looking at the receipt where 25-35 products are punched, the discount amount can be very impressive (sometimes the discount is 1500-3000 rubles).

By the way, now 2 types of cards are issued: discount and savings, so you can choose both. Discount cards usually provide a fixed discount on each product (or from a certain category), while the accumulative card does not give discounts, but it credits a certain percentage from each purchase, which can be spent in the same way as regular money.

• Council number 4. Look down

How to learn to save money? - The answer is simple and often lies on the surface. Merchandisers have one very good rule of thumb, which is that the most expensive items on the shelves should be placed at eye level. This is due to the fact that a person sees them first, which means that a person remembers them faster. Often products of the same quality, but at a lower price, are located lower, so it is worth studying the assortment that is presented on the lower or higher racks - perhaps you will find even more interesting things there.

• Council number 5. Wholesale purchases and fairs

Nobody says to buy 20 kg of tomatoes and 10 kg of lemons at once - this is useless. However, there are certain categories of products that can be stored for a very long time without spoiling at all. Such products include sugar, flour, cereals, salt, pasta, canned food, etc. This means that such products can be purchased for future use, since nothing will happen to them.

This also includes a useful opportunity to periodically visit various agricultural fairs and purchase products there. Most often, fairs are held by farms and wholesale suppliers, which means that in addition to low prices, at such fairs it will be possible to buy products of the first freshness that were about to be picked from the garden.

Important! If a large purchase is planned, you should always go to stores well-fed. Scientists have proven that the brain of a hungry person works differently, as a person subconsciously thinks that it is suitable for a snack. Therefore, in such a state it is very difficult to think and reason objectively.

Money saving experiment + real report and video

How to save money correctly? For example, saving on food. Not so long ago, Alena, a resident of Tomsk, decided to conduct an experiment and try to spend 5,000 rubles a month on food. It wasn't easy, but she did it. In short, the basic principles of economy that Alena followed look like this:

• Prepare food at home.

Refusal to visit catering establishments can save a lot of money, since the price of a cafe includes both the cost of renting a room, and the salary of a cook and waiters. But if a person cooks at home, then he can be his own cook and waiter, and he will not have to pay for rent. One lunch at home consisting of mashed potatoes, chicken fillet and pie will cost 65-75 rubles, but in a cafe for the same you will need to pay 275-300 rubles.

Breakfast, consisting of an omelet with cheese and two sandwiches, will cost 55 rubles at home, and 250 rubles in the most uncomplicated cafe.

A dinner consisting of a salad and a glass of kefir will cost 30–35 rubles at home, and a cafe will cost the same 300 rubles.

Consequently, the amount spent on food per day is only 155 rubles, while in a cafe it will already be 825 rubles.

Having calculated how much money is spent on cooking with your own hands, you can be very surprised, because it turns out that a person will spend only 3,100 rubles on home meals (155 rubles multiplied by the number of days, that is, by 20).

• Plan the menu in advance.

To avoid unnecessary spending and to know how to learn how to save money and save with a small salary, Alena advises planning the menu in advance, and this must also be done wisely. For example, you need to cook from those products that have remained in the refrigerator, and not go shopping every day specially.

So, if today there were cutlets for lunch, then tomorrow you can make soup with meatballs or meatballs from the remains of minced meat. Or if, for example, there are vegetables left after the salad, then the next day you can cook a stew. But in order not to spend too much in the store, you should always go with the list and, if possible, try not to deviate from it.

• Choose cheaper stores

The cheapest vegetables and fruits can be found at vegetable bases. But, unfortunately, millet can't get there - you also need to be a reseller or a wholesale buyer. And there the well-known chain comes into play: the more intermediaries have, the more expensive the product will be for the end consumer.

So, convenience stores, markets in the city center or "exclusively farm products" will cost an order of magnitude more expensive than ordinary Auchan or Pyaterochka. Better to spend the extra 15 minutes digging in a basket of onions in Auchan, but at the same time save twice on onions. Onions are just used here as an example: in fact, this applies to any category of food.

• Buy seasonal and local produce

You can learn to save and save with a small salary, for this you should pay attention to seasonal products. The most common vegetables and fruits are often considered “simple” food, as they are grown in Russia and are much cheaper than imported counterparts. If your goal is to save money, you don't need to buy the perfect-looking Chinese apples or Norwegian spinach.

It is better to buy local products, which will be more affordable and less preservatives, even if the apple is not very beautiful in appearance. The same applies to cheeses, sausages, dairy products - all this is enough in Russia, so before chasing fashionable novelties, it is better to think a few times.

For example, local apples cost 45 rubles per kilogram, while imported Chinese apples cost 128 rubles per kilogram. That is, for 1 kilogram of Chinese apples, you can buy almost 3 kilograms of Russian - this is the pure saving.

In addition to apples, you can save on imported cheeses, chocolate, seafood, and so on - the difference will be noticeable in a couple of weeks.

By buying local food, you can also save up to 4-5 thousand per month. So, if you periodically buy domestic vegetables, fruits and dairy products, it will take another 1,800-2,000 per month.

Adding 3100 spent on homemade food and 1800 spent on vegetables and fruits, you get the amount of 4900 rubles per month. These were the main tips on how to save from Alena, who nevertheless managed to achieve what she wanted and spent 4900 rubles per month on food.

Of course, the calculations are approximate, and everyone's needs and appetite are different, but the general concept is clear. Is that impressive?

How to start saving money with a small salary? Practical advice.

How to learn to save money and save money with a small salary (income) - TOP-10 expert reviews

# 1. Give up cigarettes and alcohol

Say what you like, but bad habits are bad. Moreover, in addition to harm, they can cause other problems - "take" the last money. The thing is that spending on such kind of entertainment as alcohol, cigarettes, fast food can be very, very decent. If you give up such dubious pleasures, you can not only improve your health, but also save money.

For example, a can of beer costs 50 rubles, a pack of cigarettes costs 100, and a hamburger at McDonald's costs 250 rubles. Even if you buy all this 3 times a week, then it will already take 1200 rubles. And in a month it turns out 5000-6000 thousand, a large sum is still obtained, isn't it? Almost monthly budget of some families.

# 2. Live within the means and budget of the family

Living within your means is perhaps one of the most important and useful advice that can be given to a modern person who wants to learn how to save money (salary). Unjustified expenses can significantly hit your pocket, and at the most inopportune moment. You should not jump over your head and try to live differently from what you are used to, just in order to prove something to someone. It is better to save money and spend on self-education or the acquisition of useful skills than on unnecessary show-off.

By giving up dining in expensive restaurants and buying clothes in boutiques, you can save up to 10,000 rubles a month.

Number 3. Do not apply for loans and borrowings

Ah, that sweet word is "credit". No matter how many beautiful fairy tales banks, trust funds and, they have the same essence, tell. Of course, you need to treat any loan rationally and understand that this is not a free gift, but millet, the amount of money that the bank provided for a while, and which then must be returned with interest.

In general, if there is such an opportunity, it is better not to turn to banks for help, but to save money on your own (or).

For example, a refrigerator on credit, with a rate of 19% per annum, will cost 50,000 rubles, which is approximately 3,000 per month and 14,000 down payment. At the same time, the same refrigerator, but without a loan, will cost 35 thousand rubles. This means that with only one refrigerator, a person will overpay 15 thousand rubles, then what can we say about larger and more frequent purchases on credit.

No. 4. Do not buy expensive gadgets and equipment

If you sit down and figure it out, you can come to such an interesting conclusion. In most cases, there is absolutely no serious need to constantly buy the most expensive household appliances and other appliances and gadgets. There are many budget manufacturers that offer similar functionality, but for much less money.

For example, a gas stove from the German manufacturer Kaiser HGG 62521KB will cost 52,000 rubles, while the Belarusian Gefest 6100-04 costs only 19,500 rubles. The functionality of both plates is absolutely identical, just in the first case, the person overpays for the brand.

No. 5. Pick up used good quality things from your hands

There is nothing wrong with periodically stocking up on used things. For example, in Europe and America, it is a very common occurrence when a person goes to a good second-hand store and buys there an item of excellent quality they like at a bargain price. The same applies to clothes that someone offers from their hands, that is, for free.

Nobody says that you need to dress in worn things all your life, but in difficult times, when there is a lack of finance, this can be an excellent help and help out in difficult moments.

No. 6. Do not buy expensive and unnecessary products and things

The advice “do not buy expensive and unnecessary things” does not mean that you need to wear rags. Simply - simply smart and thoughtful economy comes into play here. Unnecessary things, as mentioned above, most often relate to spontaneous purchases, which means, in fact, in 90% of cases, do not bring any benefit. If you need to save money or just cut costs, it is enough to refuse purchases of interior design elements, a 14th dress or the second similar shoes, supposedly "in reserve". At first, such expenses may seem insignificant, but if you sit down and calculate carefully, you get a very impressive amount. To learn how to save money and save money with a small salary, you need to follow all these simple, but very effective rules.

No. 7. Cook yourself and take food to work

This advice is definitely the leader among those that deal with nutrition. Cooking at home is better for many reasons: this food will be tastier and healthier, and in addition, it will avoid large expenses.

For example, the cost of a full-fledged home lunch made from ordinary products rarely exceeds 200 rubles, but the same full-fledged lunch in a restaurant or in the most unpretentious cafe will cost all 700-900 rubles.

That is why, it is better to cook at home in advance, and then lay out the containers just prepared dinner and take it to work in the morning. A great option - whatever one may say!

No. 8. Save on heating your house and apartment

Below will be described in more detail how to save on energy savings, but for now you only need to go through the heating issues.

The first and most useful advice is to purchase individual automated heating boilers. Their advantage is that they will spend exactly as much energy as needed to constantly maintain the required amount of heat in the room, no more. Moreover, many boilers have built-in thermostats, this greatly facilitates the work, since it allows you to spend much less heat than with conventional central heating.

In addition, in the off-season or warm weather, such a boiler can always be turned off, thereby reducing energy consumption, and conventional heaters and other energy carriers cannot be easily forced to reduce energy consumption.

No. 9. Using a corporate phone from an employer

It is possible to use corporate telephony mainly only when it is implied in principle. There are some companies that provide an employee's workplace with a separate phone connected to the corporate network. If the work itself involves communication with numerous clients, and the employee has an unlimited package connected, then this opportunity can be used for personal purposes.

This approach will not save a lot of money, but it will allow you to save at least some item of expenditure, especially if at a given moment in time every penny is on the account.

No. 10. Prioritizing purchases and payments

There are many anecdotes and jokes about the behavior of a person who has just received a salary (sybaritism) and how the same person behaves one day before the salary (suffers). This, of course, is all very exaggerated, but it is definitely that there is a rational grain in this.

Before you start spending money, you should always carefully weigh the need for each purchase and prioritize them. So, for example, utility bills will be the very first, because you want it or not, but you need to pay bills, and it is better to do this right away than at the end of the month, when all the money has already been spent.

Further, having dealt with the mandatory payments, you will need to think about what to buy in the second place. If this is a thing, then it is worth looking for where it is cheaper, the second thing should be left for the next month. After all, if you look at it, there is no need to completely update your wardrobe this very minute.

All this only clearly explains why the list of expenses should include first mandatory payments, then those about which you can think, and finally those that, by and large, you can do without. This is the only way to save a decent amount of money and not stay in debt.

How to save money in the family: table of expenses of the family budget

Basic rules for saving money in the family

In order to start saving money, you must first present all your expenses in the form of a table. This will help to visually see where the main part of the salary is going, as well as, if necessary, get rid of unnecessary and unnecessary expenses.

As an example, a table will be drawn up in which all expenses are grouped into three main columns: primary expenses, secondary expenses, and those that you can do without. Moreover, the last column can be easily abandoned without any damage to the usual way of life.

N / a	Primary expenses (urgent payments)	Minor expenses (can wait)	Costs you can do without
	Payment for utilities (gas, electricity, cold and hot water, heating)	Furniture purchase and interior design	Cafes and restaurants
	Payment of loan expenses (mortgage, car loan and other loans)	Purchase of small and large household appliances
	Food	Fashion clothes and shoes	Gambling (online poker, sweepstakes)
	Internet and telephony	Courses, trainings	Alcohol and cigarettes (sometimes fast food and other junk food)
	Travel, including gasoline costs	Visiting beauty salons (manicure, pedicure, hairdresser services)	Connecting additional services on the phone, installing paid applications on tablets and smartphones
	Rental housing (in the event that the apartment is not owned)	Hobby expenses (women's and men's hobbies)	Spontaneous and impulse purchases of no value

How to save electricity in a private house or apartment - electricity saving tricks

We will try to give elementary rules that will help you not to waste your money but save it economically.

To get started, check out the basic tips on the poster ( image is clickable).

A real example of how to save on electricity in a house or apartment.

Rule # 1. Installation of electricity meters + recalculation of receipts

Electricity meters are useful and irreplaceable devices that allow you to count and, therefore, pay only for the amount of energy that was spent. Therefore, if a person does not have a meter at home, and he pays according to the tariff for each registered person, but at the same time he himself is rarely at home, at the end of the month receipts come for such amounts that, in fact, the person did not use.

That is why the best solution would be to install electricity meters at home and after a couple of months, the difference in spending will be noticeable.

Rule # 2. Using energy saving devices

Energy-saving devices include various adapters, special models of small and large household appliances, as well as energy-saving light bulbs. Before hitting the shelves, all of these products have passed many tests, as a result of which their effectiveness has been proven.

Rule # 3. Turning off electrical appliances in the apartment and house

For example, numerous chargers that remain in outlets consume electricity even though nothing is being charged there at a given moment. A computer, TV, laptop, tablets and phones, a lamp and many other electrical appliances will save money if you unplug them when they are not needed. And besides saving energy, it is also the usual fire safety.

Rule # 4. Correct use of the washing machine and refrigerator

What is the correct use of a washing machine and refrigerator? First of all, this is a strict observance of the instructions that are indicated in each passport or user manual.

For example, if a washing machine is designed for 5 kg, then you need to load 4.5-5 kg \u200b\u200bof laundry into it, but not more than 5. An excess of things leads to an increase in electricity consumption by 10-15%.

The same goes for refrigerators: do not store too much food, overload the freezer, put cold food in the refrigerator, or defrost the refrigerator at too high temperatures. All this leads only to waste of energy, which, in turn, negatively affects income.

Rule # 5. Switching from electrical appliances to gas: heating boilers, stoves, warm floors

Gas has always cost less than electricity, especially in Russia, where there is a lot of gas. Therefore, if you need to "find" another opportunity to save money, replacing electrical appliances with gas ones will be an excellent solution.

Instead of electric heaters, which consume a huge amount of kilowatts, it is better to install one gas heating boiler and then pay only for the gas used, that is, for the actual use. This also includes underfloor heating technology and the replacement of electric stoves and hobs with familiar gas stoves.

How to save money correctly and make money on it: TOP-3 ways

Method number 1: Put money in the bank at interest

One of the main functions of the bank, as you know, is the preservation and augmentation of funds. That is why the bank is the most suitable place to be.

Fortunately, now everyone can choose a bank, choose a deposit (ruble or foreign currency), familiarize themselves with the conditions and just start making money.

For example, a deposit with an interest rate of 12% per annum will make it possible to turn 1 million rubles at the beginning of the year into 1.12 million at the end. Great, isn't it?

Method number 2: Get cashback when shopping in stores

Now many outlets have a cashback system, that is, the return of part of the funds, if translated literally. What does this mean? For example, Tinkoff Bank cards return their customers up to 6% per annum on the balance of funds at the end of the billing period. But, if you think about it, you don't need to do anything for this, all that remains is that, as always, just use your card, and at the end of the year you also get money into your account.

If you search, you can find many more different services where the cashback system operates - the main thing is to spend a little time, and you're done!

Participation in promotions and sales

Shops and supermarkets regularly organize various sales, the purpose of which is to increase customer loyalty to the brand. That is why there is nothing wrong with taking part in interesting promotions and sales - it is even good.

In addition, now you can find many different mobile applications that have collected dozens of interesting proposals from various suppliers. Users don't need to do anything else, except to choose the application they like and start using it.

Conclusion + Video

In conclusion, I would like to say that everyone can learn how to save money correctly. The main thing is to have a desire. The most important rule of successful saving is to change your attitude to the saving process in principle. Don't feel sorry for yourself all the time, feel deprived, or treat saving as something shameful.

It's just that you need to take saving as a useful impetus to change your habits, and in this case, bad habits of spending are replaced by useful ones - to save. And already when economy and a sensible attitude to finances become a habit, life will become much easier!

In the meantime, a video about how to save money!