There is an opinion that saving is a necessary measure, necessary only for those whose incomes are very low. But even very wealthy and successful people count their spending and investments. Especially if capital had to be cobbled together from "scratch" with labor and the most severe economy. After all, the rich is not the one who has a lot of money, but the one who knows how to dispose of it.
Instructions
Step 1
The very first step is to keep track of your own income and expenses. Home bookkeeping will allow you to analyze your spending. As a result, it often turns out that large sums of money are spent on small things and spontaneous purchases. Each evening, write down in a notebook or notebook how much money was spent. Interestingly, such daily monitoring alone can save up to ten percent of the family budget. The thought of having to commit another unnecessary purchase helps to eliminate accidental expenses, or at least reduce them.
Step 2
Thanks to home bookkeeping, in 2-3 months you will be able to move on to planning. Knowing how much money is spent on average on food, rent and other monthly expenses, the surplus can be set aside for large purchases or vacations, without wasting it on trifles. In addition, you will see what you can save on. If earlier you often dined in a cafe, then in order to save money, it is better to eat at home or take food with you, packing it in a beautiful lunchbox. This is not only beneficial from a financial point of view, but also more beneficial. Of two similar products, one of which is produced by a well-known brand, and the other is a not very well-known brand, choose the second. Why pay for beautiful packaging?
Step 3
Sales will help you save a lot of money. The main thing is to know exactly what you need, otherwise you can go to the other extreme, buying up everything just because of a big discount. Big sales usually start in December and July. So, in the summer it is much more profitable to buy outerwear and warm shoes. And by the New Year, many home appliance stores hold interesting promotions that allow you to purchase the desired item at a low price.
Step 4
Today they are actively promoting a lifestyle in which money is first spent and then earned. Of course, we are talking about consumer loans. However, all tempting offers turn out to be traps, no matter how favorable the conditions may seem, you still have to pay more than you received. Therefore, make a rule - to set aside at least a small amount every month, so that if necessary, you have at hand that very "emergency supply".
