Financial habits are a useful thing, they not only help you save on simple things, but also keep your savings at a minimum. And maybe even increase. But only if the habits are really useful and effective.
Instructions
Step 1
Don't waste your money. The advice is trivial, but it works. And how effective! Even if you smoke 1 cigarette a day (which is a rarity for a smoker, you must admit!), A very significant amount is accumulated in a year, spent just like that, and even without health benefits. And if you add the costs of paid services (which were not needed at all), bank commissions, spontaneous purchases, and so on, you can keep your money and accumulate a decent amount.
Step 2
Earn where others are losing. Using a card? - take plastic with a decent cashback or a profitable bonus program. Accumulated MTS bonuses or other points - exchange them for something worthwhile. Are you buying on credit? - use an interest-free installment plan, not a loan. But if you intend to get on your feet financially, give up credit at all.
Step 3
Do not be trifles and do not rush. Are you going to spend a large amount on the right thing? - find out from competing firms the prices for a similar product, and not only for the purchase itself, but also for its delivery. Stores often make money on the fact that the buyer is in a hurry and does not go into details. Banks, insurance companies and other organizations also often impose additional services, precisely when the client does not want to wait and is in a hurry. Keep patience, nerves and MONEY.
Step 4
Keep yourself in control, and the money is in different "baskets". The advice is simple, but it is the one that is most often neglected and most of all lost on it. Even if you caught a bird of luck by the tail - be realistic. One day she will break free and fly away. Cyber attacks, license revocations from banks, crime, emergencies that cannot be predicted are reality, even if you have never encountered them before. The most obvious solution to the "Save and Increase" problem is to have several accounts in different banks, and investments in securities, mutual funds, etc., which do not require your every second participation, but bring even a modest, but constant income.
Step 5
Customize your cash flow. Money has to make money. The century has passed when pillows or socks were stuffed with banknotes. Inflation, exchange rate fluctuations and other "delights" can absorb all your savings. Therefore, it is necessary to save and increase wisely. Calculate your income and expenses, and no matter how difficult it is, allocate some of the income for investments in the future. It is better if you preliminarily evaluate the investment in terms of the degree of risk and duration of the investment, so that afterwards you do not bite your elbows, burn out at Forex and do not chew on sneakers in anticipation of dividends on stocks.
