How to learn to save money and save money with modest income? Practical tips

There is a joke about the fact that in our country at least something stable is the salary. Everything is becoming more expensive, prices are rising, and wages remain at the same level. And it's not always possible to get more income. Someone for this can not be in the right place at the right time, and someone lacks education.

In this article, you will learn how to learn how to save money. Working methods, listed below, will help you as soon as possible start to save money for an important and treasured purchase.

The above methodology involves working on yourself in two stages. Each of them is important and is mandatory for implementation.

How to learn how to save money and save money?

First of all, remember the following two steps that you need to follow:

• save;
• To save up.

How to do it right, let's look at each separately.

We pass the first stage

In order to understand how to save money and save money, first of all you need to track your costs.

It will be enough just to have a notebook in which to write down your expenses within a month. For convenience, you can create a spreadsheet - this will make it easier and faster to sort out all expenses by category at the end of the month.

Will help to understand how to learn how to save money and save, the table below, which contains the categories of costs. Sort out your monthly expenses according to it.

Filling it, you will see where you spend more money. Next, we will analyze the significance and the possibility of saving in each particular category.

Savings on housing

We begin to understand how to learn how to save money and save money from the first category. In the section "housing" there should be costs for rent (in case of residing in someone else's apartment, house), utilities. Savings at this point are possible, but extremely difficult. Of course, you can try to consume less gas, electricity and water.

You can do this in several ways. The cheapest of them is to independently monitor the timely inclusion of electrical appliances that are not needed at the moment. As for water, you just need to try to use it only at the right time.

For example, when brushing your teeth, after you have collected water in a glass, close the tap. If we talk about personal purity, then bathing in the shower saves more than 50% of water compared with bathing.

In addition, swim as follows. They opened the faucet, wet the skin, closed the tap. Soaped, opened the faucet, washed off the remnants of detergents, finished taking a shower.

Saving on food

Save on food is also quite difficult. In no case should starvation be an answer to the question of how to learn how to save money. Family wallet will not become more complete from this. After all, poor nutrition will only cause irreparable harm to health, requiring treatment, which will take far more money and nerves than saved pennies.

It is necessary to refuse frequent trips to cafes, restaurants and other similar establishments, where a person simply eats. It can be done at home, making something delicious. In any case, home food is not only more useful than a restaurant, but also saves money for the family budget.

You can also do this during the working week at lunchtime - you do not need to go to the buffet and order buns and coffee there. Take with you sudok with homemade food to work.

If there is an acute problem in money, then the best thing is to stop using harmful products. They can include sweet, sweets, chips, crackers, coca-cola, products from McDonald's, etc. This list can be listed for a long time.

Refusing bad habits

In times of economy, everything that hurts the health is clearly not what you need to spend your money for. Despite the fact that smoking is officially recognized as a dangerous occupation, because of which the lungs and throat suffer, malignant tumors are possible, smokers do not become less.

And if you count the cost of one pack of good cigarettes, given that 1-2 packs a day are smoked, then for a month or even a year of the sum they are simply huge.

Alcoholic drinks also will not save your budget. In addition, that alcohol destroys the cells of the brain, it is able to draw the last money out of his pocket. After all, how nice to get together with friends in the evening and talk heart to heart for a glass.

If you refuse to drink alcohol at all, then you will feel how much more money you will have in your wallet. This is not to mention the gratitude of the body, which you will receive in the form of health promotion.

How to learn how to save money and save money? Give up all bad habits and do not waste your time and money on them.

Communications costs

Every month we replenish the account of a mobile phone, and also pay for the services of an Internet provider.

And it would seem, this is a small amount of money, but every month they still put a burden on the family budget. Here you can save by switching to a more optimal tariff.

For example, if you use the Internet only to read news and watch short videos, then the speed of 100 megabits per second is absolutely not needed. It is enough to switch to the cheapest package of services at a speed of 1-5 megabits.

For mobile operator services, the savings consist in not making expensive calls: to the numbers of expensive operators, abroad, in roaming.

Also, if you have free minutes, SMS, MMS, then try not to go beyond the allocated limit, otherwise you will incur additional costs.

How to save on purchases?

Investigating the question of how to learn how to save and save money, we will understand the purchases that we make. Here everything is quite easy, you just need to adhere to some rules. It's no secret that clothes that are not sold in their season are put on the shelves at a big discount (often about 50%). It is necessary to use this knowledge.

That is, in summer it is necessary to buy winter things, and in winter - summer. Thanks to this, you can save a lot.

Another good advice on how to learn how to save money and save money - you do not need to be advertising. They do not always tell the truth.

You can give a funny example: on TV, they often say: "Our dog food has become even more delicious!" And who checks the feed and says that it is this delicious? Do people or dogs tell? You should always be skeptical about advertising.

Similarly, things are the same with medicines. Of course, there are imported means, which have no analogs in the country. But there are some that are no worse than imported ones. They have the same active substance, but for some reason advertising makes people buy more expensive, because they think that it's safer.

Having fun with the mind

We go further, figuring out how to learn how to save money and save money. The expense item for entertainment is the one that can be completely reduced, and not spend money on them.

But this will be correct only if the money is sorely lacking. In other situations, you can simply reconsider the kinds of your entertainment and bet on cheaper ones.

For example, you can instead of a disco party with friends at home at home - and for tickets do not have to pay, and a kitchen with a drink is much cheaper.

Reduce other expenses

It is impossible to attribute absolutely all the waste to certain categories. Very often in life there are situations when you need some small thing and right now. In such situations it is important to simply remember that those 50-100 rubles that you spend can be useful to you in more important matters.

So, we looked at ways to reduce your expenses. Let's pass to the review of some ways to save up money which will help to collect on your dream.

Ways to save money. Advice

The main thing is to set a clear goal and set the terms for its fulfillment, proceeding from their incomes. Naturally, the person can not accumulate a new Rolls Royce, if his salary is 40 thousand rubles. per month. Therefore, you need to soberly assess their capabilities.

We'll figure out how to learn how to save money with modest incomes. To do this, you need to understand how much you can save monthly by following the above methods. Then approximately calculate the amount of funds that you are willing to pay for the purchase or the trip that you planned, and divide it by the amount of the monthly savings.

In the end, you will find out how much you need to save in order to achieve your goal. Does it upset the result? Two ways out of this situation - either start to save more actively, or look for additional sources of income.

Also do not put money under the pillow. If you are looking for an answer to the question of how to learn how to save money with modest income, then open a deposit account in the bank. The validity period should be the same in time that you have planned to achieve the goal.

And the further this bank from you will be, the better. Open not even in one bank, but in several, which are in different parts of the city. This can be done by those who notice that they have a particularly acute desire to spend immediately accumulated funds. Reluctance to wander around the city and human laziness will simply repulse the desire to spend money that has been accumulated for several months.

No time to replenish your own deposit? Connect the service of contract write-off from your salary card. It is very convenient to activate the service of automatic debiting. You can choose a percentage, set the amount, or allow the bank to automatically round up the ruble in the account to tenfold. Yes, in the 21st century, it's not so possible.

And so gradually and not significantly for your pocket money will be deducted for deposit. The savings account is also convenient because the bank will pay for it in the form of deposit interest. Of course, they will not be able to make money, but it is quite possible to reduce the level of influence of inflation on their own savings.

The above material will help you learn how to learn how to save money and save money. The program is effective, you only need the will and willpower.