Economy mode is not life from hand to mouth, not giving up on the essentials, but the ability to distribute the available amount so that there is enough for everything that is needed, and there is still left.
Experts Recommendations have long been developed that will allow you not to die of hunger, and not to get into debt for large purchases. What are these ways to save money?
The content of the article:
- 1. Analysis of expense items
- 2. Planning costs
- 3. Elimination of spontaneous purchases
- 4. Choosing gifts in advance
- 5. Making a shopping list
- 6. Monitoring of promotions and discounts
- 7. Collecting small things in a piggy bank
- 8. Set aside some of the income
1. Analysis of expense items
Start notebook and keep accurate, clear and permanent records of all amounts spent, even travel and mineral water costs.
At the same time, you need to not only write down, but also analyze the costs on a monthly basis. Then you need to compare expenses with the income received.
If you keep records accurately and in a timely manner, then according to the results, if not one, then two or three months, you can calculate what expenses were necessary, and what you can refuse. Based on these records, you can plan for future months and years.
2. Planning costs
When receiving money, do not rush to spend immediately. At first make a list what to buy or what you need to pay for. This can be loans, utilities, gasoline, money for food.
When calculating money, any details should be included in the expense, for example, not only the payment amount itself, but also possible commissions for transferring money, withdrawing from a card and others.
After the obligatory payments have been calculated and scheduled, you can proceed to the distribution of the remaining amount.
3. Elimination of spontaneous purchases
Avoid spontaneous purchases and quick loans. Express loans, as a rule, entail inadequately high interest rates.
If the product is needed urgently, then it is better to spend a little more time, but analyze all available loan offers.
4. Choosing gifts in advance
Of course, situations when unexpectedly invited to visit are always possible, but most of the festivities are announced in advance. Therefore, costs can also be plan aheadso as not to buy an expensive and unnecessary thing in a hurry.
If you approach the issue of choosing gifts consistently, then the gift will be better, and less money will be spent.
5. Making a shopping list
The most classic and trivial advice, which, nevertheless, many people ignore: you need to go to the market or to the store with a list shopping and not on an empty stomach.
You only need to take a little more money with you than the planned purchases, but not much. And do not take credit cards with you.
Subconsciously, money on a card is not perceived in the same way as cash. It is always more difficult for a person to part with something that can be touched, and not something that exists in some kind of virtuality.
6. Monitoring of promotions and discounts
Beyond shopping you can save money and on such trifles as cellular communications. All operators regularly offer new tariffs.
This does not mean that you need to recklessly switch to each proposed tariff, but it does not hurt to analyze it from the point of view of greater or lesser efficiency. And besides, it would not hurt to check for unnecessary or unnecessary options in the tariff used.
It s the same with sales: don t reach for your wallet just because a discount is written on the price tag. It is worth making sure that this is indeed a discount, and not an imitation of it.
If the product is not exclusive, then you can check the price of a similar product in nearby stores or on the Internet.
7. Collecting small things in a piggy bank
A trifle: many of its excesses annoy. In this case there should be a piggy bank, and it should not stand in the far corner, but in a conspicuous place.
If the change is already falling out of the wallet, then you can transfer it to the piggy bank.
In the presence of short-term difficulties, it will be possible to purchase a travel ticket or other necessary item, including food, for this “small thing”.
8. Set aside some of the income
On the advice of experts, you need put off at least five–10% from the received income on a monthly basis.
If you do this all the time, then spending on vacation or buying something later will not seem ruinous.
And you can not just put it in a pig or other piggy bank, but take it to the bank. So it will not be possible to spend them thoughtlessly, and the percentage will at least run to cover inflation.