What is reasonable money saving? For many modern people, this is a scary concept. It seems that living in a constant mode of saving is incredibly difficult, and only very serious and disciplined people with steel nerves can do this. Quite often, squandering and shopaholism are a side effect of previously experienced stress, some unresolved internal problems. For some purchases, we are forced by the fashion trend.
Hidden marketing is the work of true professionals in their field. And all these people who inspire us to buy another gadget or wardrobe item that are essentially unnecessary are talented manipulators. What is the result? Salary disappears at zero, the house is littered with a bunch of absolutely unnecessary things, and dreams of buying real estate or a car remain dreams? Or maybe, nevertheless, it is worth learning to save and save money? How to do it?
How to save
The first thing to do is find strong motivation. Well, how to save and save money without a good incentive? To do this, we make a list of our desires or goals, even if they will seem too simple at first, whether it be a designer dress or curtains in the bedroom.
Over time, what is really valuable will come to the surface, for example, repair, a trip to an exotic country or advanced training courses. Having set such a motivating goal, any person has a strong incentive to accumulate money.
After the goal is found, it is necessary to make a personal financial plan that will clearly show what amounts a single family manages for a certain period of time.
In other words, the goal of such a table is to find out how the goals set correspond to the capabilities of a person.
How to save
Now you should bring some share of control into your financial life. To do this, it is recommended to get a notebook or make a calculation spreadsheet in which all the family's cash expenses will be entered. It is necessary to include any, even the most insignificant purchases, whether it is ice cream on Wednesday or a bottle of water on Tuesday.
Such a notebook should always be at hand, so that when the opportunity arises, you can make a note about the next acquisition. Such an “account book” will help to calculate the amounts needed to buy food, household appliances, entertainment, clothing, travel by public transport or gasoline for a personal car, etc.
With the pedantic maintenance of such a book, after a month you can understand where the salary goes, how you can save money, and what costs should be reduced, or even abandon them. All this will help you get closer to your dream!
It will not be superfluous to learn how to save money. To do this, you need a shoe box, stationery scissors, glue and several magazines with vivid pictures. A piggy bank, made by yourself, will look great in any interior and it’s nice to be an eyesore. We take it as a rule, replenish the piggy bank daily with a certain banknote, for example, in denominations of 5 or 10 (in the currency of which you use it, if it is rubles, then there may be banknotes of greater denomination).
It all depends on the capabilities of a single person, so the number on the bill can be completely different. The main condition is that it does not hit substantially in the pocket and stably goes to the treasured box. In this case, the selected amount should not be less than the established, only more. After six months, you can be pleasantly surprised by such a delay by opening the piggy bank and calculating the final result.