Since autumn 2008, the majority of the population is still facing a shortage of funds. Many people simply do not understand how to save money during this difficult time. To avoid unpleasant consequences for your budget, it is important to carefully analyze your personal financial situation.
It is necessary
- - a computer;
- - the Internet;
- - available funds;
- - writing accessories;
- - notebook.
Instructions
Step 1
Create a personal budget account. If you mindlessly spend all the money you receive, then this means that you absolutely do not control it. In addition, the lack of a budget is almost guaranteed to lead to new debt. To save money in a crisis, you need to be clearly aware of how much you receive and for what needs you spend.
Step 2
Get yourself a special small notebook lined with 2 columns: income and expenses. Fill it out every time you make the slightest cash transactions. Soon you will clearly realize for yourself what expenses and expenses could have been avoided. So, strive to increase income and decrease expenses.
Step 3
Save a tenth of your money every month. Pay first and foremost to yourself and your family. It is 10% of all income that you should save in order to subsequently create a good "safety cushion" for unforeseen circumstances. Of course, you can increase this figure every month. It all depends on how quickly you want to protect yourself during a crisis.
Step 4
Put your free money on a bank deposit. This step will help offset inflation. As a rule, the main banks in our country (Sberbank, for example) give about 8-10% per annum on deposits, which is roughly equivalent to inflation. This is the simplest thing that each of us can do to preserve some of the capital. But of course, you shouldn't rely entirely on the unstable banking sector.
Step 5
Consider purchasing real estate. It has always been highly valued, especially in times of crisis. Money can quickly depreciate, but a summer cottage, garage or country house will always be expensive. If your goal is to save a lot of money, then this is the option for you.
Step 6
Develop your financial skills. Consult only professionals and experienced advisors about any investment. You should not give your hard-earned savings to the first investment project that comes across. Think carefully about all the risks and only then invest exclusively free funds that you do not spend on food and maintenance.
