Life from paycheck to paycheck does not add optimism. In order to afford big purchases or unexpected vacations abroad, you need to have a good nest egg. Learn to save money, and then you will not have to beat the thresholds of banks in search of loans.
Instructions
Step 1
Prioritize correctly. It is clear that I want to buy a fur coat, and go to the sea, and change the car. But if you save up for everything at once, in the end you will be left without any savings at all. Define one goal for yourself and start saving small amounts only for it. And when you get what you want, set a different goal.
Step 2
Assess your capabilities correctly. If your salary is not more than 25 thousand, does it make sense to save up for a house in Miami? Take up advanced training, find a better-paying job, and then put it aside for a house. In the meantime, you can save up for a ticket to America. What if you don't like it there?
Step 3
Calculate how much you can painlessly save from each paycheck. In no case should you deprive yourself of the necessary things and small joys. Otherwise, the temptation to end hoarding and spend everything that was put off would be too great. Usually, any working person can afford to save 10 percent of total income in a piggy bank. If your income is above average, you can save 15 to 50 percent without giving up your usual lifestyle.
Step 4
Store money where you cannot get it instantly. Opening a deposit in a bank with good interest rates with the possibility of replenishment is a great option. Usually, the conditions of such deposits are such that when the amount is withdrawn ahead of time, all the previously accumulated interest will expire. Agree, it's a shame to lose money that was almost in your pocket. Therefore, you are unlikely to run to the bank when you suddenly want to pamper yourself. And the most unreliable ways of keeping money is on a deposit card or at home in a shoebox. Destroying such a stash is easier than ever.
Step 5
Reward yourself. As soon as you accumulate a third of the planned amount, make yourself a gift, and not necessarily a material one. You can arrange an unscheduled weekend or spend the entire evening watching the TV, postponing everything. And when you accumulate the second third, do not forget to pamper yourself again. And when the entire amount is in your hands, set aside at least a few rubles from it. This will be the beginning of future savings for a new goal.
