Modern life, it would seem, leaves no choice: people are in an endless rush, always running somewhere and not stopping for a second. The feeling that time is running at an inexorable speed, and it is impossible to control it. You probably sometimes regretted that there are not 48 hours in a day, and you still need to not only work and do business, but also devote time to family, friends ... And, of course, every person in his life at least once thought about how to save time and that's all be on time.
Especially the question of how to save time is of interest to entrepreneurs, because these people are not used to wasting hours or minutes. Ambitious, bright, talented, going towards their goal - entrepreneurs prefer to do several things at the same time, but sometimes motivation declines, even if a person is able to manage to perform a large number of actions.
However, there are useful tricks that will help you save time and keep up with everything, as well as increase work efficiency.
1) Workspace organization
Remember: if your desktop is a mess, then the same mess is in your head, in your plans and actions. Organize your workspace! Throw away unnecessary papers, arrange documents in folders and shelves, put away those stationery that you do not use. Do not forget about the desktop of your computer, if you have one: you also need to put things in order there. Otherwise, you will experience stress and even anxiety. Understand where you work, and it will become much easier for you!2) Partial rejection of social networks
Reduce the number of notifications, clean up your friends list, set a time limit for social networks - you can choose anything, but the main thing is to partially abandon Facebook, Vkontakte, Odnoklassniki and other things. Such a strategy will help you plan your time management competently and not be distracted by trifles during working hours. Confess to yourself: surely it is difficult for you to concentrate because of the constant desire to discuss yesterday's football match in a general chat or look through public pages? That is why it is necessary to set a certain edge for yourself, which will help you save time and spend it on more useful things.
3) Physical activity in the morning
Oddly enough, physical activity in the morning, namely, exercise, will help increase work efficiency. How does it affect labor productivity? Everything is very simple: during physical activity, the hormone of happiness is produced - endorphin, which helps to cope with stress and overload, to feel better, more active. That is why many successful people prefer to run in the park or on a treadmill in the morning: and really, who would refuse to increase productivity and good mood?4) Before you go to bed, make a to-do list.
Want to save time? One of the top tips business gurus give is: make a to-do list before you go to bed. As a rule, this procedure takes no more than 15 minutes, but it makes life much easier in the morning. The list is usually written in the format "don't forget to call the manager", "Happy birthday to Masha", "buy home dish detergent" etc. The next day, put a checkmark in front of the completed tasks - you will see, the more these checkboxes are, the easier it will be for you, and you will understand that such a daily routine is a very useful thing.
5) Drink pure non-carbonated water
Another tip that, at first glance, may seem strange. However, the need to consume a large amount of fluid per day is easily explained: scientists have found that the lack of water in the body has a negative impact not only on mood and general condition, but also on labor efficiency. Among other things, if you "sitting" work, drinking water will somehow force you to get up from your workplace and stretch while you walk to the bathroom. Do you want to improve work efficiency? Always keep a bottle of non-carbonated water nearby, or even better, a cooler.6) At least 1 day off per week
Every person, especially an entrepreneur, needs time when he will not solve work issues and engage in his type of activity, with the help of which he earns his living. Pick one day a week that you don't work. Dedicate it to yourself, your family and loved ones: it will help you unwind and get down to business with renewed vigor.7) Breaks during the day
It is very important to stop the work process several times during the day, interrupting for things that are not related to business: for example, for a snack, a walk around the office, correspondence with friends, and so on. This will give you the opportunity to rest and continue to work at full capacity.
8) Daily routine is important
If you want to save time and do everything, you must have a daily routine. Be sure to keep a schedule of your meetings. You can buy a special diary, you can use your tablet or make a spreadsheet in Excel - do it the way you want.When you make a schedule for your day, you can estimate how much time you spend on specific things. This will make it easier for you to plan and manage your schedule. Of course, no one encourages you to give up your free time, but you must remember the golden rule of every entrepreneur: “business is time, fun is an hour”.
9) Remember the two minute rule
David Allen, a well-known specialist in the field of productivity and effective planning, developed the two-minute rule, which is used by all successful businessmen, which helps to save time and get everything done.What is its meaning? If you understand that some task (for example, a call or sending mail) will take less than 2 minutes of your time, you should start doing it immediately. It's simple: a case arises, you immediately decide whether to postpone it for later, or do it now.
10) Outsourcing is the way out
If you feel that you are no longer able to cope with your job responsibilities, you always have a way out: outsource the work, or hire an assistant to help you. "at a distance". It is important to understand whether it will help you or not. If you know that this will increase your productivity, make you more money, free up your time for other things, feel free to hire an assistant.If you want to learn how to be productive but don't "plow like a horse" you have to prioritize. Highlight the main and secondary for you. You can always refuse your duties, as well as delegate them and even automate them. Try different methods, you will surely find yours.
If modern people are asked what they lack the most for happiness, the majority will answer: “Time”. The simple tricks that time managers offer will simplify your life a bit and add at least one hour to your precious day. We sincerely hope that this article will help you save time from now on and spend it on really useful or enjoyable activities.
- Do not hurry. No wonder the proverb says: "If you hurry, you will make people laugh." Usually, in a hurry, we do a lot of unnecessary things, make mistakes, and then spend precious time on eliminating the consequences of our own stupidities.
- Don't worry. The higher the level of anxiety a person has, the stronger the feeling that he does not have time for anything. And the more he does not have time to do, the more he begins to worry and worry about this. It turns out a vicious circle: "The more we are afraid of losing time, the more we lose it."
- Make (in the evening or even better - in the morning) in your weekly list of necessary tasks for the day. Select only the most important ones. Use the Paret principle: choose 20% of the most important things that will bring you 80% of the desired result.
- Shop online. On the net you can find gifts for yourself and your family, clothes, perfumes, household appliances. The purchased goods will not only be delivered to your home, but often you will win in price.
- Pay your bills (electricity, water, gas, internet, etc.) via the Internet. This will also save both your time and nerve cells.
- Don't spend a lot of time on ICQ and "friend sites". Internet communications take up a lot of time. And I know for myself that such communication is addictive. If you want to chat with friends, write briefly, and even better - call. So, my former classmate Oksana says with regret: “if it weren’t for the sites of classmates, then our class would meet much more often” ... And recently I was “hooked” on the site by a phantom (a man with the face of a cinematic Baba Yaga, instead of a photograph). When I honestly answered that I didn’t have time to communicate on the Internet, Baba Yaga was offended: “yes, of course, you shouldn’t waste your precious time communicating with someone like me.” My answer was: "Yes, you are right." Such people want to make you feel guilty so that you continue to associate with them. But don't waste your time on people who don't even show their faces.
- Use a telephone with caller ID. You have every right to talk in your home only with those with whom you really want to and whom you love. A too annoying friend or a distant relative who complains about her ungrateful children, or maybe a colleague who urgently needed a half-hour telephone consultation are not the best interlocutors, and such conversations take up a lot of time. For regular complaints about a difficult lot, a psychotherapist is perfect (are you really an expert in this field?), And you can help an employee (if it is within your competence) at work.
- Call the master at home. You can arrange for a specialist (manicurist, hairdresser, massage therapist) to come just to your house. Of course, it will cost more, but how long will you wait in anticipation, even if you arrive at the exact appointed time, and how much will you spend on the way there and back?
- Stand once a year (or six months) - a medical day. Well, if you read the magazine "Health", then your health is not indifferent to you! Make an appointment in advance with such specialists as an ophthalmologist, therapist, gynecologist, dentist. Yes, you will spend a few hours with them, but this will be a preventive visit, and you will not have to go there in the coming months with an exacerbation of diseases.
- Buy household chemicals (shampoo and shower gels, women's little things, paper napkins and towels, washing powder, cleaning products, etc.) for several months at once. You will not spend more time with this than when buying one package, but as a result, you will save time.
- Take advantage of grocery delivery services offered by supermarkets. If you buy products for a certain amount, then this delivery is free. And how much time will you save, taking into account the trip to the store and back, the time for choosing goods and the queue at the checkout.
- Make it a habit to immediately put everything in its place (both at home and at work). Because at the end of the week it usually takes a long time to put everything in its place. And remember how many minutes you spend to find an important document in paper “alps” on your desktop. At the end of each working day, it is better to allocate a couple of minutes to sort documents: leave the most important on the table, sort the rest into folders, drawers or a trash can.
- Learn to say “No” to other people. This does not mean not helping anyone. But you need to be able to refuse other people's requests that interfere with your duties at work or take away the time that you were going to spend on your family or yourself.
- Do not go anywhere without first calling back and making sure that the person you need will be there when you arrive. If this is not done, then in one case out of three, coming without warning to the desired service, we find ourselves on a break or on a day off.
- Take the weekend when a lot of small things pile up. It is much more effective to devote a day to household chores than to carve out a little bit during a month. By the way, the stress will be less.
- You do not have time to learn a foreign language or just read your favorite books. Use audiobooks and audio phrasebooks. You can listen to them in the car or on the subway, and in the kitchen while preparing breakfast or dinner.
- Say no to TV. Watch only what you really want, and not all the programs in a row. Otherwise, you risk that the TV will “eat up” all your free time. If you like movies, it's better to watch them on DVD, that is, choose what you really want to watch.
- Distribute responsibilities in the family and use household appliances. Do not try to take on all the family work, but distribute it among all family members. A washing machine and a dishwasher are not luxury items, but great helpers. Remember, Agatha Christie came up with her most twisted detective stories while washing dishes. Apparently the famous writer was not very fond of doing this ... It is estimated that the dishwasher saves you at least 6 hours a week! 6 hours that can be devoted to something more pleasant.
- Combine useful with pleasant. Caught in a traffic jam - read or listen to a cassette for learning a foreign language. Even better, sometimes, if possible, return home on foot - this is also good for physical health, and your mood will improve significantly.
- Do what really brings you pleasure! No matter how busy your schedule is, be sure to find time for yourself. If a person knows how to relax and unwind outside the office, after the weekend he will come to work in a good mood and with a bunch of new interesting ideas.
Oh, by the way, be sure to take the time to admire the stars in the night sky, sunset or sunrise!
What is the most valuable thing in our life? We don't think much about it, but the most precious thing we have is time. Usually we easily lose minutes, hours and whole days. Then, one day, we notice that time is slipping through our fingers, we sigh ... and again we live as we used to live. How to save time so that it is enough for everything - family, work, hobbies, travel and just idleness?
For several years I have been freelancing, there are a lot of advantages in this, but there are also disadvantages - in order to do everything, I have to plan my day myself and force myself to work. At first, it was quite difficult with this - I went out to take out the garbage, “hooked” my tongue with a neighbor, watched a TV program, made a couple of calls, looked at social networks, looked through mail, read the news - that’s all, of the day, no matter how it happened. But when you realize that every lost minute is a loss of money, and everything is exactly like this, you begin to value time and change priorities. Therefore, I gradually developed habits that help save time, and today I decided to list them.
How to save time at work?
- Decide for yourself whether you want to manage your own life? If yes, then set goals and do everything to achieve them. Only the person who knows why he is doing all this is effective.
- Planning - even a housewife would like to have a diary, a weekly or a computer version of them in order not to panic when you find out what a bunch of things you have to do ... yesterday.
- To-do lists should include ALL tasks, but you can divide them into “important/urgent”, “important/non-urgent”, “not important/urgent”, “not important/non-urgent”.
- Never be late and demand it from everyone else. Do not communicate with those who are constantly late - these are the thieves of your time, people with whom you cannot cook porridge.
- Rest is as important as work. You need to find time for it and plan it in advance. Since we cannot live without chatting with girlfriends, computer games, social networks, TV shows and other pleasant time eaters, we just need to allocate time for them and add it to our diary. For example, to communicate in social networks - half an hour before bedtime, combine your favorite series with facial care or manicure and watch it on a computer without ads.
- If you want to make a lot of money, throw away the TV.
- The phone is the main thief of time, so when doing work, just turn it off. Completed - checked the calls, if necessary, called back and before the start of the next block of work, again disconnected. Cellular should not steal our time, but help save it. Therefore, find half an hour in your schedule for important calls, for example, if you work from home, then go out during the day and call your parents or girlfriends, make some business calls. If you are working, then call everyone when you return from work or at lunchtime.
- Decisions must be made quickly. Firstly, the first thought is the answer of our subconscious, and it is much smarter than our “consciousness”. Secondly, doubts and hesitations lead to the fact that instead of doing business, we begin to invent problems and fears.
- Bring each case to the end, it is very difficult to find time for it again.
- You do not need to bring everything to the ideal, a “good” rating is enough.
- Learn to say “no” to awkward requests, unimportant deeds, and cheap orders. How to save time and move forward if you try to please everyone? You can't be good for everyone.
- Try to combine different things - we cook food and listen to a training course, we dine not just like that, but with a useful person, we go by transport and listen to an audiobook, we watch a movie and download the press, etc.
- You should always have something with you to read or listen to, in case you get stuck in a traffic jam or get stuck in a queue at some office.
- The workplace (including the kitchen) should be comfortable, functional and kept in order. All documents (real and virtual) must be in perfect order. The search should take no more than one minute.
- Make decisions on your own, without blaming them on others. Firstly, managing your life is a real thrill, and secondly, you know best what you need.
- Get training in speed reading. I once did this, now I can easily read a novel of 600 pages in a day, but the main thing is that it helps to quickly view the sea of information.
- Learn how to search for information on the Internet and not only. Once at the institute they took us on an excursion to the library and showed us how to search for information correctly. I still use that knowledge, because not everything can be found on the net and it is even more difficult to get something useful from the sea of rubbish.
- Train your memory. Any work argues faster if the information is already in your head, or at least you have an idea where to look for it.
- Keep your thoughts short and demand it from others. Do not associate with fools and loafers.
- Plan trips to offices and shops, to entertainment venues and just around the city at a time when there are the least people and cars. Get out on trips earlier or later than rush hour, plan a vacation at the resort not in the high season, but a little earlier or later. This will save you from traffic jams, queues and inflated prices.
- Do the most difficult work during the hours of the highest capacity for work. Each person has their own - for the majority, these are the morning hours, but there are people who work better in the evenings, and even at night.
- Watch your health - a weak, sick body does not allow you to work hard. The subconscious begins to be distracted by trifles, and all things remain unfinished.
How to save time at home?
- Every thing in the house should have its place. We find it for every purchase as soon as we bring it home.
- (I ask men not to read this paragraph :)) A man, from the first day of marriage, must be taught to self-service. While he is at the stage of falling in love, he easily accepts your orders - that dirty things need to be thrown into the washing machine, that he can cook breakfast, warm up borscht, clean shoes himself, that he is responsible for all the equipment in the house from taps to computers, etc. .d. You are not his mother and not a housekeeper - you can please and pamper him, you can’t babysit.
- (This one is also not for men) Do not allow yourself quarrels and scandals, it takes not only time, but also energy. Conflicts are resolved in the following way: - "a problem is discovered - we discuss it - we find a compromise - we live on." If the conflict is resolved in this way: - “a problem is discovered - a quarrel - a scandal - we don’t talk for several days”, then this chain should end like this: - we part with this man - we start a new one.
- Socks - packs. I already wrote about this in the article “How to dress stylishly and inexpensively” - buy the same socks, and for each family member in a different color. I quickly started this fashion after a couple of times, when I was collecting children for kindergarten, I had to look for pairs in a pile of mismatched socks.
- Clothing should be selected in sets (with shoes and accessories) and hang in the closet in this form. How to save time when you have to look for the right option for a long time, and then do the cleaning in the closet, because everything was rummaged through in a hurry
- Make purchases in online stores or at least study the characteristics of goods on the Internet. Then you will know exactly why you are going to the store and will not waste time on useless wandering through the aisles and talking with sales assistants.
- Products need to be purchased once a week and immediately cut into portions. In this case, you save not only time and nerves, but also money.
- The less things in the house, the less time it takes to clean. Throw away broken, unnecessary, worn-out items and packaging from goods immediately.
- To perform well, you need proper sleep. Every adult knows perfectly well how many hours and under what conditions he needs for good sleep, listen to your body and then it will allow you to work hard and fruitfully.
These are my personal rules that I use all the time, but experience shows that everyone should develop their own time management, with their own rules. I recommend reading a couple of books on this topic or listening to a special course. There is usually given a ready-made system for organizing working time, plus a lot of tricks that allow you to do a lot in a short time.
Cafes and restaurants. We put this item of expenditure in first place, since it is usually not paid attention to, but it is she who results in a significant amount at the end of the month. The authors, among other things, judge by themselves, as they often meet people in cafes and restaurants. In Moscow cafes, this takes at least 200-300 rubles. (a cup of coffee or juice with dessert), and if you sit in a restaurant in the evening - at least 500–700 rubles. If you calculate everything, from 10,000 to 30,000 rubles can go away per month under this article. For people with relatively low incomes, this article is the first contender for a reduction.
Food. Food expenses are one of the important components of the family budget. At the same time, saving on food for many is associated with poverty, hoarding and loss of health. As a rule, this is what people never plan to save on, and at the same time - the costs that need to be reduced in the first place.
According to surveys of people on the street conducted by various media, they have already begun to save, and it is on products.
The secret of this phenomenon is explained simply: without taking into account expenses and incomes, it is difficult for a person to navigate what costs he has, which are redundant and which are easy to optimize. But they eat everything and regularly. When the financial situation worsens, regardless of the diet, we automatically catch ourselves thinking about how to save money on food. All ways to reduce food costs lead to an increase in time spent: on cooking (including in connection with the rejection of semi-finished products), more detailed accounting of products, etc. Therefore, if the share of food expenses in the family budget is small, the savings are unjustified.
Now I propose specific steps that allow, if not optimizing, then at least assessing your costs for this article.
Step 1. Is it really for products?
This is the first question you need to ask yourself if it “seems” that an excess amount is going down the toilet. First, check if there are any accounting errors.
- Attribution to products of all small expenses. If you're estimating your expenses in your head, or your accounting system isn't detailed enough, you can "write off" anything that isn't a major purchase to groceries.
- Accounting for checks from the supermarket in one amount.
Today's super- and hypermarkets sell everything or almost everything. By referring the entire check to the products, you unwittingly deceive yourself. This approach does not allow you to analyze spending and exclude really unnecessary things.
Step 2 Separate "flies from cutlets".
This means singling out snacks, alcohol and delicacies from food spending - something that can be ditched without prejudice, and sometimes even with health benefits. Exotic fruits brought from afar are not always full of vitamins and, in addition, are most likely treated with chemicals for long-term transportation.
Step 3 Revolution in the kitchen.
This step requires serious time spending (previous steps, in fact, were reduced to improving accounting). But if it arrives somewhere, it means that the same number will decrease elsewhere. Menu planning and shopping lists can really help cut down on food costs. This will allow you not to buy extra products that are likely to spoil in the refrigerator and end their days in the wastebasket. In addition, semi-finished products should be abandoned: self-cooking will reduce food costs and at the same time add variety to the menu.
Step 4 Quantity is not at the expense of quality.
Here we are talking about the need to replace the store in which you are currently shopping with a cheaper one.
It is no secret that the cost of the same products in different stores is not the same. By going to the point of economy class, you can significantly reduce the cost of groceries. At the same time, do not forget to take into account the cost of travel and back (should retain the gain from the replacement).
It is worth paying attention to other brands of products - cheaper products are not always of lower quality. Often we pay extra for brand awareness, good advertising, etc. Of course, finding the best price / quality ratio can take some time.
Step 5 Sturgeon of the second freshness.
Reducing the quality and variety of products is a last resort solution, because health may suffer in the end. This step may include searching for economical recipes, greatly simplifying menus, etc.
If you remember Russian fairy tales, there is nothing tastier than ax soup. In addition, the domestic culinary epic offers Druzhba processed cheese soup, sausage grated on sandwiches and a tea bag brewed several times. These are the harsh methods of student economy from the "dashing" 90s. Alas, usually lead to gastritis.
Taxes. In most Russian families, the line “income tax” among the items of expenditure can only be seen if the property has been sold and the tax office has sent a short but formidable letter. In other cases, the tax will bypass the family budget: the employer will pay it for the employee, the broker for the stock market speculator, the bank for the depositor, etc. But is it worth leaving an income item of 13% or more uncontrolled? The answer to this question is suggested by the Tax Code of the Russian Federation, which gives certain taxpayers personal income tax benefits.
Tax deductions are tax benefits enshrined in the Tax Code of the Russian Federation. They are called so because the taxable income is reduced by the amount of the deduction.
Who can take advantage of tax deductions?
First of all, in order to take advantage of the tax deduction, you need to know about it. But its receipt is a purely voluntary matter, and no one will remind you of the possibility of receiving a personal income tax refund.
Only tax residents of the Russian Federation (those who live in Russia for at least 183 days a year) can exercise their right to a deduction and only on income taxed at a rate of 13% (salary, income from the sale of movable and immovable property, etc.) .
What are the tax deductions?
property deductions.
The most significant benefits in terms of size can be obtained when buying real estate. Since January 2008 - this is 2 million rubles. This means that you can return the income tax previously paid from 2 million, or 260,000 rubles. If you did not have time to fully use the deduction within 12 months (for example, the income was less than 2 million rubles), it is transferred to the next year. Unfortunately, this benefit is provided to a person only once in a lifetime.
If the property was bought with a loan, in addition to the specified deduction, you will be able to return 13% of the interest paid on the loan.
Tax benefits are also provided in the event of the sale of property. If you own real estate for less than 3 years, the deduction will be 1 million rubles. (the tax will be reduced by 130,000 rubles). After the three-year term of ownership, no tax is due. For other property, a deduction in the amount of 125,000 rubles is provided. when owning it for up to 3 years (tax savings - about 16,000 rubles) or complete exemption from tax for a longer period.
Social deductions.
Tax credits also apply to charities, tuition, medical treatment, and pension contributions.
If the taxpayer transfers income to charitable purposes, he can return the tax paid on them within 25% of the income.
If in the reporting year you spent money on your education and treatment or paid pension contributions, you can save 15,600 rubles on tax. The total amount of the deduction for such expenses does not exceed 120,000 rubles. It does not carry over to the next year.
You can get a tax deduction for the education of children (50,000 rubles). This will save on tax of 6500 rubles.
To receive a tax deduction, you must:
- get an individual taxpayer number - TIN (if you do not have one);
- collect documents confirming the right to a tax deduction:
- for all types of deductions - payment documents: checks, receipts, bank statements. Additionally, for a property deduction - an act of acceptance and transfer. To deduct for treatment - a certificate of payment for medical services (issued by a medical institution) and prescription forms;
- contracts - purchase and sale of real estate, for medical services or training;
- for the deduction for interest paid on a mortgage - a mortgage agreement and a certificate from the bank on the amount of interest received;
- when selling property - documents confirming the expenses incurred during the purchase.
- receive from the employer a certificate of income in the form of 2-NDFL;
- make copies of the documents listed in paragraph 1 for submission to the tax office;
- fill out a tax return in the form of 3-NDFL (the program for filling out every year is posted on the website www.nalog.ru);
- submit a declaration and copies of documents to the tax office to which you are attached. Write an application for withdrawal.
An application for the refund of the amount of overpaid tax can be submitted within 3 years from the date of payment of the specified amount.
Anyone who was too lazy to issue a deduction before the crisis did not have time to spend it. This means that you can get an unplanned replenishment of the reserve fund by submitting declarations for several years that have passed from the date of purchase (no more than three!). Previous editions of the Tax Code of the Russian Federation provided for smaller deductions than the current ones. Therefore, you should not count on a large replenishment.
Credits. Loan payments can eat up a large part of your family budget. At first glance, you can’t save money, you can only not aggravate the situation - pay carefully and on time so as not to fall into bank penalties and fines.
The only way to save on loan repayments is to repay them ahead of schedule: this will reduce not only the final overpayment on the loan, but also monthly payments. I want to warn you right away: a bank is not a mutual benefit fund, but a commercial enterprise that should make a profit. Therefore, leave hope that he will meet your difficult financial situation and cancel payments, forget about penalties and fines. The unwillingness of the borrower, together with the bank, to resolve issues of restructuring loans, including mortgage loans with the involvement of the state, usually leads to litigation or the sale of the collateral.
There are two extremes when it comes to loans. The first is not to consider the existence of a loan and the inability to repay it as a problem. Representatives of this category are sure that the bank will meet them halfway and, unlike the landlord, will not kick them out of the apartment. The second is to get rid of the loan at any cost. For example, through insurance fraud. Such acts, firstly, are punishable, and secondly, they are pushed into an even deeper financial hole.
Savings on utilities and communications. The effect of savings on these items of expenditure is possible only in the long term. To save on utilities, you can install meters for water, gas and two- or three-tariff electricity meters. However, it will take several years to recoup the cost of their installation.
If utilities account for more than 10% of a family's income, there is a chance to receive a government subsidy.
In addition, you can save money by choosing a more economical tariff plan for fixed, mobile and Internet. For long-distance and international calls, it is better to use alternative communication - computer or IP-telephony systems.
"When leaving, turn off the light!" The slogan of Soviet everyday life is not applicable to energy-saving light bulbs, which, with frequent on-off, shorten their service life.
We optimize medical expenses. The worst thing is to save on your health: the consequences will affect not only the wallet, but also life expectancy. Therefore, if you often visit doctors, you should use the services of free medicine or choose risky insurance that is optimal in price and provides the necessary medical services. At the same time, it should be taken into account that most insurance companies do not insure disabled people of groups I and II - such people need to increase the reserve fund to cover planned and emergency medical care.
In addition, they will help save planned purchases of necessary medicines (prices for expensive drugs in different pharmacies can vary significantly).
If the employer's health insurance remains from good times, it will not be superfluous to use it - in terms of examination and subsequent treatment.
Expensive purchases. Expensive purchases and projects during the crisis are better to postpone or reduce their budget (as a rule, these costs are not of paramount importance). The effect of the savings will be very noticeable.
For example, replacing a holiday in the Maldives with a trip to Egypt will not only not deprive you of your annual vacation, but will also save you several thousand dollars. A delayed renovation will allow you to survive several months without work.
Rest. You can't save on vacation - everyone knows that. But you can choose a more economical option. If you are used to relaxing on distant islands (Maldives, Canaries, Caribbean, etc.), it is better to replace them with cheaper countries located not so far from Russia or from the country in which you live. The savings can be quite substantial.
Sport. Another article that is not worth saving on. Yes, you need to go in for sports - to be healthy and keep yourself in good shape. But here, as in the case of rest, you will have to moderate your appetites and move from an elite gym with a subscription for 100,000 rubles. per year, in a more democratic one, classes in which are at least half the price. ()
Mobile phones. There are two savings here. The first is the device itself. We have long come to the conclusion that the phone is needed as a means of conversation, and not a camera or a computer. Therefore, do not chase after novelties; it is better to use simple and convenient models. You may need other features in the phone, but do not overestimate their importance. Unfortunately, there are often people with very expensive phone models ... bought on credit. At the same time, the owner does not always know about all the functions of his "golden" acquisition. By the way, many wealthy people have the most common inexpensive mobile phones. They use them to talk. No more.
Another component is the tariff that you use. How long have you had it? Perhaps since the time of buying the first SIM card? Then we strongly advise you to visit the provider and choose something new and more economical.
- tariff without subscription fee;
- the main conversations are conducted within the same network.
I was immediately offered a tariff that turned out to be cheaper than the currently used one (although I regularly follow the news and try to use their capabilities). Considering that the tariff was changed by three family members at once, the savings turned out to be very significant.
Sometimes people spend 20-50% more than if they used a different tariff plan or the services of another mobile operator. To understand the need and opportunities for optimizing costs, you need to ask for an extract for the last 5-7 months and analyze which phone numbers of which regions and telecom operators you called most often; how many SMS were sent.
Trips. We're talking about air travel here. Now you can find a lot of interesting offers from air carriers, which will significantly save on tickets.
For example, can you imagine flying from Moscow to San Francisco and back for $500? If you look at the websites of domestic companies, it’s difficult, but if you dig and fish out options for American carriers, it’s real.
For example, one of our colleagues bought plane tickets from Moscow to India three times cheaper than regular fares, because she bought them 6 months before departure. In general, there are options.
Promotions, discounts and loyalty cards as a way to save money. To attract a customer, manufacturers and retailers often offer discounts, promotions, and more: two yogurts for the price of one, detergent plus rubber gloves, minus 3% on medicines, for nine flights Moscow-St. Petersburg, the tenth is free. You can save in this way only in one case - if they do not stimulate excess consumption and at a discount it comes out really cheaper than in a nearby store. And if the second yogurt goes bad and goes to the trash, you don’t use gloves, medicines in a nearby pharmacy are already 5% cheaper, and you flew to St. Petersburg for the ninth time for a free ticket, this is no savings.
Therefore, soberly assess how much you need all these special offers and bonuses. So, if you often fly to relatives or on business trips, you should issue loyalty cards of various airlines. At the same time, the choice of flight should be approached from the point of view of economic feasibility: the cost of a ticket plus a transfer to the airport. (Time-inconvenient flights are cheaper, but keep in mind that a taxi to the airport will cost more than an express bus.)
Loyalty cards usually do not give discounts, but offer to accumulate points, miles, etc., and then exchange them for some kind of gift.
You will need a store discount card only if you constantly buy goods in it.
Perhaps there are other savings secrets, and we are sure that some readers have them. In addition to savings items, there are also such items of expenditure that cannot be excluded from the budget.
What not to save on during a crisis
We think no one will argue that you can not save on health. But what is included in the concept of HEALTH, if you try to break it down into specific items of expenditure?
Medicines. If you have been taking Swiss medicines until today, and now, in order to save money, you decide to use the Russian or Ukrainian analogue, such savings can cost you sooooo much. Remember Zhvanetsky? “Well, why can’t our people make a medicine that would heal like a Swiss one? And the formula seems to be the same - CH3COC2H5, but for some reason the Swiss tablet fights the virus, and ours cooperates with it. This is true, no matter how much we would like Russian pharmacology to work no worse than Swiss. Therefore, you should not change Western originals for domestic counterparts.
Food. It is dangerous to switch to cheap and not very high-quality products. Although there is another side to the coin: you can save on groceries if you prefer to eat Italian bread for 300 rubles. and drink milk for 200 rubles. (there are such shops in Russia). In this case, the transition to ordinary products will not affect health badly.
Rest. You cannot refuse to rest, otherwise your income will inevitably decrease (a tired person cannot work effectively). And again - the flip side of the coin: you can save on vacation by choosing a cheaper resort, but not by reducing the amount of time allotted for it.
Sport. This has already been discussed above - savings are possible not by giving up sports, but by using less expensive sports clubs and equipment.
Final Conclusions
During a crisis (and not only) you need to CONTROL your money, and not focus solely on reducing costs.
You can always cut your costs! But first they need to be analyzed.
Be careful about reducing expenses that are related to health: medicines, recreation, sports.
It is necessary not only to think about saving on certain items, but also to look for ways to increase income.
Reference
Vladimir Savenok- leading expert in personal money management, the first independent financial consultant in Russia, entrepreneur, writer. Bestselling author of How to Make a Personal Financial Plan. The path to financial independence”, “How to implement a personal financial plan, or How much money is needed for happiness”, “Personal finance. Self-teacher".
the site thanks the publishing house "Peter" for the provided excerpt.
Hello, dear readers of the site site! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.
We all strive for a good life , and each of us would like to make our life even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.
Unfortunately, in our modern world, you need to learn not only how to make money, but also how to save it and distribute it correctly.
Today we will look at various tricks how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.
To improve your financial situation (learn how to save and save money), you just need to follow the simplest rules, and then you will not have financial problems! Remember: money comes to those who know how to properly handle it!
So, from this article you will learn:
- Is it necessary to save on food, electricity, etc.;
- How to save electricity;
- How to save on products;
- How to learn how to save money and save money with a small salary - proven ways;
- How to accumulate a decent amount;
- Folk tales about money.
Read more about how to save money with a small salary in the family, as well as how to save money, read further in the article.
First thing to remember: saving - this is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, smart and right control and distribute your expenses, refuse from unhealthy foods and habits.
Very often we have, at first glance, petty, but fixed expenses that seem “trivial” to us, but in fact create good holes in our budget for us.
To learn how to save smartly and correctly It takes patience and hard work. But then you will understand what unnecessary costs are, and, perhaps, learn how to profitably invest and make money on it. If you want to know how you can make money, then our article "" will help you.
Saving does not mean at all that you have to deny yourself everything, eat bad products, and generally live badly. To save means to distribute your funds correctly in order to avoid unnecessary costs, to distribute money wisely and not to waste it on trifles. Also in this article you will learn how to accumulate money using the methods of specialists.
You need motivation to get started, that is, the goal: why do you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article, we already wrote about having a small salary). Or do you need a good renovation in the apartment?
A few steps on how to learn how to save and save money correctly
To understand how to start saving, you need to consider several stages.
Namely:
- Divide all costs into necessary and not really necessary, that is, superfluous or those that can wait;
- then we consider the resources for which you must pay, and these are: electricity, water, gas, connection, etc.;
- then you need to calculate the cost of food, and also pay attention to your diet;
- we set aside a percentage of the money saved, so that they don’t just lie there, but also work.
Even if you try to put off some 10 % (percent) of your monthly income, then in six months or a year you will have accumulated an impressive amount.
And once again we repeat the rule: you should not perceive savings as a limitation or a bad way of life. On the contrary, it will help to significantly improve your life.
Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk around in rags. This has nothing to do with savings!
2. Should I save on food and electricity?
Saving on food (products) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and superfluous ones are removed.
Food expenses- these are the costs that we can influence, because it depends on our desire and on our choice.
We need to figure out in which stores we buy products, by what criteria we choose these products and in what quantity.
Usually we have extra expenses due to wrong diet, the use of harmful convenience foods, buying off the list, unwillingness to cook food yourself.
This also applies to electricity: if everything is done correctly, there will be no financial problems.
Ways to learn how to save money on electricity
3. How to save electricity - 5 simple rules to save on electricity 💡
let's consider 5 simple rules, thanks to which you will learn how to save electricity.
Rule 1 Proper use of electrical appliances
for example, charging for a phone or tablet, plugged into the outlet for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to remove it from the outlet. It would seem a trifle, but our electricity is being wasted.
This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV and so on.
This is one of the first important rules on how you can save electricity.
Rule 2 It is important to use the correct utensils for the electric stove
More specifically, for the burner. After all, a properly sized frying pan will heat up faster, and the stove will not just heat the air. It's simple, isn't it? Probably every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way, you can significantly save energy.
Rule 3 You need to know where to put the refrigerator correctly
Do not believe it, but the refrigerator is also a "harmful" device, and it also "eats" a lot of energy if it is not installed correctly. Remember: the refrigerator will “wind” less electricity if it is placed away from the electric stove.
Of course, not everyone has large and spacious kitchens, but it is probably possible to place the refrigerator so that it would not at least be on the same side with the stove and not touch it.
Rule 4 Load the washing machine with laundry correctly
For whole 10 – 15 percent more electricity is consumed by our washing machine if it is restarted or not loaded. Did not know? So remember! It is necessary to follow the norm of the weight of the linen! You will also insure against damage to the washing machine in case of overload.
Rule 5
Many electrical appliances must be unplugged at night and even during the day when you are not using them, and even more so when you are not at home. It's not so difficult: left home - turn it off, why should they work in vain.
Only 5 These rules will help you save electricity in the apartment. Not difficult, right?
Here are some more energy saving tips:
- If you decide to buy yourself any household appliances, then pay attention to its power consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future, this amount will pay off through savings. And how much is the overpayment for the year!
- Very good and useful habit - turn off the light leaving the room. But, unfortunately, not everyone is given this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
- It is better to use energy-saving light bulbs than the usual ones. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
- Use a thermos more profitable than boiling the kettle several times, because a thermos can keep warm for several hours.
If you follow these useful, and most importantly, simple tips and tricks, you yourself will see changes in your receipts, and then in your wallet.
Consider in the article 10 Tips for saving money on food:
Tip 1. Experts believe that it is necessary to choose a product not by beautiful packaging, and the more expensive, the better, but you must first familiarize yourself with its composition. A high price does not guarantee high quality. We also pay attention to stock, discounts, and bonuses. Many supermarkets offer us such programs.
It is clear that at first glance it may seem that the difference in 5 rubles It's small and you won't save much. But this is an erroneous opinion of most people, because if you calculate the difference even for a month, you will be pleasantly surprised. And imagine how much savings per year?
Tip 2. We write a list of the most necessary products and we follow it. We only buy products that are on the list. This way you avoid unexpected expenses. There are also all kinds of applications for the phone, and with them you can save not only your money, but also time. All your information will be stored there, and you will not have to constantly think about these lists.
Tip 3. It is important to take as much money with you as you need., but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you simply won’t have anything to buy unplanned goods. Thus, you can significantly save on products.
Tip 4. Did you know that a hungry person's brain works differently than a well-fed one? So, in order to avoid temptations, you need to go to the store full! And then you will understand that you do not need all these "sweets" at all.
Tip 5 Try not to run to the store on payday. After all, it is on this day that a person feels richer than he really is, and can spend much more money than he has calculated. Hence, financial difficulties arise, there is not enough for anything, and by the end of the month you can be left without a penny of money.
Tip 6 Experts believe that pay better with cash rather than plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it is harder to part with it.
Tip 7. Similar products are the best way to save! Absolutely every product has a replacement much cheaper than itself. The main thing is to run around the shops, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to sell you something more expensive.
Tip 8 Remember! Expensive and beautifully packaged products will always catch your eye. Look better on the shelves below, “dig deeper” there, most likely you will find a similar product cheaper than what you saw, because expensive goods will always be in sight.
Tip 9. The rule of similar products also applies to other products, for example, medicines. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.
Tip 10. If possible, we do not take children with us to the store! Certainly, children are happiness, and sometimes you want to pamper your baby, but children rush to everything beautiful, and these products are most often expensive. It is better to leave the child at home, and buy him, for example, a cheaper chocolate bar - everything is sweet for the child for joy, and you will avoid tantrums in the store.
We eat healthy, and most importantly not expensive!
Remember, eating healthy doesn't have to be expensive, and you don't have to go hungry to save money. On the contrary, the cost of healthy eating even decreases.
Healthy food, For example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what pies and hot dogs are made of in a stall around the corner or in a nearby cafe. And here you cook with your own hands, and you know everything about your homemade food.
Here are some more tips for buying healthy foods:
- It is more profitable to buy products by weight, and not in the original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than by weight.
- If you are buying products from the market, don't forget to haggle! And there is nothing to be ashamed of. It is important for sellers to sell their goods, and it is profitable for you to buy.
- It is better to come to the market in the late afternoon, at this time the sellers significantly discount the price.
- It is better to buy meat in a large piece, and at home already divide it into the parts you need. For the price, such meat comes out cheaper than if you bought it by the kilogram.
- If you have lunch at work, then take food with you. Once again, we repeat that you eat your own food, which means that automatically, you avoid food poisoning and save on it!
- Try to make a menu for the week ahead - this will help you get only the necessary products.
- The first dishes are considered healthier than the second, and even more economical and cheaper!
- Compare prices across multiple stores. Do not be lazy, each store has its own chip and its own promotions.
- It is not necessary to buy expensive meat, for example, pork, because many tasty and healthy dishes can also be prepared from chicken! Now on the Internet you can find a lot of recipes that will suit you, and you don’t have to sit and invent your own. The main thing is not to be lazy!
- Yoghurts can be replaced with kefir and fermented baked milk. Yoghurts contain all kinds of thickeners, dyes and sugars. So why not replace them with a more gentle for the body and cheap kefir?
- Pasteurized milk is much cheaper and healthier than sterilized milk. Milk in a carton lasts longer than milk in bags. And this is its only plus. So is it worth paying for it?
- Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
- Buy fresh fruits and vegetables in season, then you can freeze them. All the nutrients in them will remain, and you will save a lot, since in the winter season they are much more expensive.
When you review your diet and follow our advice, even at the end of the month you will see the difference. It's not just about money, it's also about health. After all, all well-known nutritionists and doctors remove fatty, sweet and especially fast food from the diet.
Using these simple rules will help you significantly save on products, support your budget, as well as a healthy mind and shape!
Important tips on how to save and save money
5. How to learn how to save money and save money with a small salary 💰 — 15 useful tips
To begin with, we will look at the rules and ways to save money. And even if you have a small salary, then it's not scary!
Council number 1. Set your financial priorities
After all, you must understand that your financial budget works only exclusively for you, and only your financial well-being can depend on you.
After all, waste can be done both with benefit and without it. But how, then, to understand how our cost is useful? Let's figure it out.
Costs also depend heavily on a person's lifestyle. for example, young people often succumb to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often look at goods that they most likely don’t need, but friends have advised, or the advertisement is beautiful, or the fashion has gone like this ....
Spending is divided into three types- This urgent, not urgent and not at all urgent. Try to make a list of those and those costs for yourself, and perhaps you will understand what you absolutely do not need and what can be crossed off the list.
urgent expenses - this is understandable, food, utilities, perhaps clothes, and if there are loans.
Not urgent - this is a family vacation, for example, it can be postponed, or contributions to studies.
Well not at all urgent we all know very well - these are restaurants, entertainment, buying a new phone, if there is still an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be postponed for a while, and if you reconsider, you can not spend money on it at all.
It is worth paying attention to the last point in the first place. After all, it is important to prioritize your life and understand your goals in life.
If for you buying expensive clothes is a necessary part of life, rather than, for example, getting an education and investing in your studies, then it is unlikely that you save money .
And also about entertainment and visiting establishments, such as coffee, restaurants, because this is not the most important thing in life.
All financially successful people keep such records. After all, with a good example, you will see what exactly brings you holes in your budget. For example, it will be a trip to a cafe, monthly such visits eat up a large amount of money, and you will understand for yourself that this can be removed.
After all, when you see all the exact numbers of your budget, and not like that, the way of remembering, you will be surprised how much you used to spend without thinking.
As the very famous speaker Anthony Robbins said: What cannot be measured cannot be managed ". Remember this rule, and it will help you achieve your personal material success.
If you still have additional income, then you need to keep records of them. After all, if there are several ways of your additional income, then accounting will help you find out which source of income is more profitable and which one you need to focus more on.
In general, now is the 21st century, and information technology has developed various programs and applications, for financial accounting, which means that you do not have to draw any tables by hand.
You just need to try several programs, and choose the one that will be closer to you in spirit, who will have a more convenient interface. Again, visibility is financial literacy. Visibility will help you identify and direct your expenses and income in the right direction.
Experts have shown that up to 95 percent Russians spend way more of their money on payday. And these percentages do not refer to the level of income.
If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.
To learn how to save money and save it, you need to give up loans.
In conclusion of this chapter, we will give you an example of how to correctly draw up a table of expenses.
6. How to save money in the family - a table of 3 types of expenses 📊
With this spreadsheet, you can keep track of and control your budget, as well as cross out unnecessary expenses. It will help you determine how to save money and how to save it correctly.
Table of three types of expenses:
| № | Necessary and urgent expenses. | Not very urgent, secondary costs. | Not very urgent, or just MONEY EATERS. |
| 1 | Food | Getting an education | Cafes, clubs, restaurants |
| 2 | Utilities (electricity, gas, water) | Buying furniture | Fast food, expensive sweets, soda |
| 3 | Fare, petrol | Purchases of digital and home appliances | gambling |
| 4 | Mobile communications, internet | expensive fashion items | Bad habits - fast food, alcohol, cigarettes |
| 5 | clothing | Hobby | Unnecessary connected services on the phone |
As can be seen from the table, special attention should be paid to the last column. After all, even if one item is deleted from here, you can see the result, on the saved funds.
7. How to save money the right way 📝 — 4 ways to save money fast
Of course, saving money is not so easy and simple. This has to be learned and requires a little effort and patience. But even the most disciplined, calculating and responsible a person is at risk of making a mistake.
let's consider the most common mistakes among people, and also study adviсe and expert rules to correct these errors.
If you have already begun to accumulate funds, then this is already good. But how to save money correctly and have you chosen the right way? And will you fall apart in half a year? Perhaps your strategy is not as perfect as you think.
Method number 1. What remains, we put aside!
So, you pay all your necessary bills, utilities, buy groceries, and send everything that remains to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left. after all costs and throw in only the leftovers.
Try changing your methodology. When they got paid the very first account, you must have a savings account. Make it your golden rule.
Calculate how much you can give to the bank in a month, and do this first thing. And if you can’t do it, well, anything can happen, for example, there is no time, or there are some temptations to spend your money as soon as possible, then activate the service in the bank, by automatic withdrawal of money from your card of a certain amount to your savings account.
In this way, you can save money and save time. And you will forget about these chores. And then your savings account will pleasantly surprise you.
Method number 2. Where is the money kept?
As we have already learned that a savings account is wonderful. But it is important to know where exactly your funds are stored in a bank or on a plastic card?
After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And to do this is quite convenient and easy, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret what you have done.
Method number 3. Each account for a specific purpose
If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Certainly. if you are saving for only one goal, for example, car or apartment, then everything is fine, this method is just for you.
But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you are already accumulated and what else can wait.
To avoid such problems and difficulties, you need to acquire several savings accounts. And let everyone the savings account will be dedicated to a specific purpose, For example, " by car», « for an apartment», « for education», « to the dacha" etc. Rather, it is the right way to save money in this way, since each “account” has its own “purpose”.
Method number 4. Don't give up everything
It’s not worth it too much, too obsessed with postpone, postpone, postpone. There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" and good mood.
Of course, as we have already said, many habits and entertainments should be abandoned, but this does not mean that you need to become a hypocrite, sit starving, not go anywhere, and even sit in the dark.
When your annual savings account ends, you should think about more serious investments and for the long term. After all, you yourself will feel the difference and want to improve your financial situation.
Tips on how to save a decent amount of money
To conclude our article, let's take a look at 15 tips how you can save money and quickly accumulate it. Some of the tips may be repeated, but you should necessarily remember.
Of course, there is no specific set of rules and tips on how to save money correctly, but then we will consider the advice of experts who offer to use it to simplify saving and accumulating money.
So, tips on how to create savings to accumulate a decent amount:
Council number 1. Paying for purchases in cash
Try to pay for all your purchases and expenses in cash only. So you will clearly feel the difference, and say goodbye to the money that you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.
By the way, if you buy goods through cashback services , then you can save from 1-1.5% of the purchase price. About that, we already wrote in one of our articles.
Council number 2. Deposit money into your account
Each month you put a certain amount of money into your savings account. At the end of a certain period, a pretty tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, get a goal for what the funds you have accumulated will be spent.
Try to keep entertainment costs to a minimum. Better spend time with your family, go in for sports. After all, there are many useful ways to replace unnecessary expenses for entertainment in cafes and restaurants, in the end, experiment new inexpensive recipes at home. And you have good skills, and your husband and children will be happy!
Council number 4. Don't fall for promotional offers
Everything that comes into your mailbox, various catalogs and advertisements, is just trying to seduce you. But do not give in, feel free to throw everything in the trash, but rather unsubscribe from these useless mailings that clog your mailbox.
If you have such a bad habit of buying everything, or just to buy something, then make a list of everything that you want to buy. And look through it monthly, you will see if you still need this thing, or was it just an unnecessary temptation?
If you decide that you really need this product, then buy it. But most likely your opinion will change in a month.
Try to cook at home, do not snack in restaurants. This will cost you a pretty penny. You don’t have time at work for lunch at home, and you rush to a nearby cafe for a quick bite to eat? Think!
Prepare your own dinner from the evening at home, there are special food containers that can be heated in the microwave. This will allow you to save on restaurants, and you also agree that you know your homemade food. It's also healthier.
Try to put your money into envelopes: “for a communal apartment”, “for a loan”, “for groceries”, “for a phone”, and so on. And your expenses will always be planned.
Tip #8. Discuss upcoming expenses with family
Discuss material matters with your spouse each week. You need to make sure you are aware of each other's spending. And unity, let it be to success!
Distribute all expenses according to the table, see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!
Tip number 10. Pay the necessary bills first
First we pay all the necessary bills, then we look at the need for other expenses.
Tip #11. Replace paid hobbies, hobbies, etc. for free
If you go to the gym or go in for fitness, then this hobby can be replaced with exercises and running outside in the park. Useful and free!
Tip #12. Give handmade gifts
You can also save on gifts. After all, the best gift is a handmade gift! There are a lot of ideas on the internet these days.
Tip #13. Buy analogues of branded clothes
Remember, money doesn't buy happiness. And including, not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than "branded". In addition, fashion comes and goes, and then things remain unnecessary.
Tip #14. Use exchange services
Try bartering. That is, to exchange services and things. It is much more profitable, and will save good money!
Tip #15. Use e-wallets
Try to save money on virtual wallets such as qiwi, Yandex money, webmoney. It will take time to withdraw money from there, so you will insure yourself against unforeseen and unplanned purchases.
In addition, you can earn a pretty penny on the Internet, money is also withdrawn to these electronic wallets.
9. Superstitions and signs to attract money ☯
Folk omens about money:
- Never lend on Monday, otherwise you risk losing all your money!
- Never betray money from hand to hand, it is better to put it on the table, and then take it. And then the negative energy of a person through money can pass to you.
- If you borrow another person in the evening, then just put the bills on the floor, and let him pick them up. Better remember that it is better not to lend in the evening.
- It is necessary to repay the debt only in the morning and in small money.
- When a debt is paid to you, keep a fig in the pocket on your left hand.
- Keep your money in your wallet carefully, in expanded form and so that they are distributed into different bills.
- Keep paper bills facing you.
- So that money does not disappear, put a piece of a tree from a swallow's nest in your wallet.
- If you have made a good profit, then take one bill from there and keep it in your wallet, do not spend or change it.
- If you decide to give someone a wallet, then put one money there so that the wallet is not empty.
- To make money in the house, put a coin in each corner, and say: "Let him come to my house."
- Keep money in red envelopes or bags.
- Get yourself a money tree and take good care of it.
- Money loves to be counted. Always count your change.
- Never spend every penny, make sure that there is always money in your wallet.
- If you have a newborn in your house, put money under his pillow.
- Count your money on a clean Thursday.
- Try to cut your nails on Tuesday or Friday.
- Never discuss the material income of other people, otherwise there will be none of your own.
- Do not hate the rich and the poor, otherwise you yourself threaten to remain in short supply.
- If you see that a cat or a cat is stretching, then this is for profit.
- If you saw an angry or hissing cat in a dream, then this is a theft. Be careful!
- Be sure to get yourself a dog or a cat at home, otherwise there will be no prosperity in the house!
- There is such a sign that a black cat or dog will protect the house from thieves.
To not need anything in the new year:
- Celebrate the new year in new socks and underwear. And don't forget to give yourself a new hairstyle.
- Try seven different dishes at the table and put seven coins under the chair.
- It is necessary to repay the debt before the New Year, you can even at the festive table.
- When the first strike of the chimes occurs, make a wish by squeezing a coin in your left hand.
- Throw a coin into a glass of champagne and drink it. And then make a hole in this coin and wear it as a pendant.
- On the morning of January 1, wash your face with water and coins.
Superstitions that should never be done:
- Put empty bottles on the table.
- Sit down on the table.
- Put bills on the table.
- Sweep trash at sunset.
- Stand on the threshold.
- Whistle while at home.
- Change big money into small ones.
Well, believe it or not, but many people observe and follow all these signs. Signs after all went from our ancestors. Most importantly, we can conclude that money must be treated carefully, carefully, don't crush them, don't wag. Do not spend all the money, the wallet should not be empty.
10. Conclusion + video 🎥
From this article, we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to reconsider a little your attitude to finances, and to your life in general.
And remember one main thing, there should not be a crazy amount of money, in order to feel in a good financial position, there should simply be enough money.
Good and stable financial situation- these are not millions of dollars at all, every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage your finances correctly. When you yourself understand your income and expenses, then you yourself will understand everything.
By a good example, you will see how much you spend per month, what is superfluous in your life and what you need to give up. It's not all that difficult, the main thing is to manage your life correctly, not to get loans, and if this has already happened, then get rid of them as soon as possible. Then not only your financial situation will change, but a healthy spirit will also wake up, you will be in a great mood every day, as you will forget at least half of your financial problems.
Let's hope that all these tips will be remembered for you, and most importantly, useful. After all, as you already understood, saving- this is not the worst thing, but rather the opposite, useful, which will make your financial and personal life easier and better!
We hope that this article has helped you find answers to your questions - how to learn how to save money with a small salary and at the same time accumulate it. We wish you successful savings, and good luck in all matters!