Creating a new family, each of the couple takes responsibility for each other, as well as additional responsibilities. Including in the financial plan. Saving money is one such duty. Your incomes remain the same, but the costs become larger. Saving money in the family is one of the important moments that must be discussed and resolved together. There will not be anything good if one of the family members follows the rules of saving money, and the other does not.
Let's look at a few points that help to understand how to save money:
- need a sober look to assess your creditworthiness. Do not throw money to the left and right, subject to a second desire to own something unnecessary;
- going out to the store, make a list of what you need. And in no case do not retreat from it;
- when thinking of a large purchase, first compare the prices for the same thing in different places. Fortunately, in modern times for this you can not even leave the house, but just climb on the Internet;
- products of long-term storage and everyday items are better to buy at wholesale stores;
- if you need only bread and tea do not go behind them to large shopping centers, where the eyes just run away from a huge assortment. Otherwise you will never understand how to start saving money;
- choosing the form of payment is preferably settled by cash. Looking into the purse is easier to assess your financial capabilities at the moment than by viewing the status of your account at home, after the perfect purchases;
- all checks for purchases must be saved. If the item is faulty - you can return it or exchange it.
How to learn to save money?
To fully understand, on what and how you spend money, get a special notebook. It will become your accounting book. It is necessary to record even such small purchases as a box of matches. In a month or two you will be able to figure out how to save money by carefully viewing your notes. Isolating from there all that was an optional purchase you yourself will be surprised that without additional earnings of free money in the family budget remains more.
How to save money in the family?
Start by carefully starting to plan your life and your costs. Set a goal and try to understand what you are ready to refuse to achieve it. Perhaps it will be a rejection of cigarettes or the daily, traditional in your family, cake in the evenings. Everything great starts small. Get the habit of not spending all your earned money in the first days. Divide the salary into parts that you can spend in a certain period. For example, for a week or ten days.
To understand how to learn how to save money, you need to understand the essence of the words of savings and savings. Try at least about 10 percent
Ways to save money suggest not only their less waste in stores. In order to reduce utility costs, you need to be more attentive at home. Saving energy and water can lead to excellent results.
Tips for saving money can be useful if you follow them rigorously and constantly. And in the total amount. Observance of one of the rules of monetary savings in the family budget will not lead to any results.