Each of us from time to time makes purchases that exceed the capabilities of the monthly budget. In connection with which the question arises: to save or borrow?
The answer to the question is obvious, of course, to save. The logic is very simple - if you save and invest money, they work for you. If you occupy, then you work for money.
How quickly to save money?
Sometimes it seems that this is just an insoluble problem. However, to save money is really not very difficult, just need to set a goal and go to the intended goal systematically.
In order to save money, you need to clearly imagine - what the earned money is going to, and understand what you are ready to save on, and what is not. To reduce costs, it is pointless to deny yourself something at the moment. It is necessary to decide what is needed and why. The next useless waste will constantly be removed from the desired result.
To save money, they need to be postponed systematically. Do not postpone - never store anything. Learning to save money is a dream for many, but not everyone succeeds. There are always a number of reasons to start postponing "tomorrow", and even in the next month.
How can I quickly save money?
First of all, you need to clearly monitor all your income and expenses. Particular attention must be paid, of course, to the accounting of expenses. Having a clear idea of what you spend money on, you can understand where you can save money. And to decide how to save money , you need to learn how to plan your expenses. This can be done by recording all costs and then analyzing the data.
For example, a month, fix all your expenses and expenses.
- Telephone, Internet, rent, electricity.
- Food (Go to the store, set yourself up for what you need to buy only the most necessary things.) It is better to make a preliminary list of purchases and to take a certain amount of money that you can afford to spend on a daily basis, but do not sharply limit yourself in purchases.
- Buying clothes (Since you do not buy clothes every month, you can also save money for purchasing a wardrobe, while earning additional income).
- Transport.
- Amount for contingencies.
At the end of the month, you will see where the money goes, adjust the budget, understand what it is worth saving. However, adjusting your personal budget is an easy task, so, most likely, you will have to act using the trial and error method. Be prepared for the fact that you will have to clarify the list of items of expenses several times before you come to the optimal option.
In addition, calculate what your monthly income is for the month and, based on monthly incomes and expenses, determine what minimum and maximum amount of money you are ready to postpone. The optimal variant of the deferred amount is 10% of monthly income. And in order that there is no temptation to spend it, they need to be hidden away from yourself. And the ideal option for this is a special bank account, with a portion of the amount you can withdraw without damaging the interest. A number of banks offer similar products. Thus, you can
Tips on how to save money
If you ever have a question "how to save money" or someone will ask you about it, do not rush your head. Remember - there are two simple rules:
- Rule one: first put off the money (that is, it is worthwhile to postpone the necessary amount immediately after receiving the salary), and then proceed to spend what is left after that.
- Rule two: we plan our expenses.