It is difficult to imagine the modern world without money, they have become very firmly established in our lives. It is with their help that we can purchase certain goods and services. But when a person tries to save a certain amount of money, this is where the problem arises. It turns out that it is not so easy to start saving money.
It is necessary
Sheets of paper, a pen, a list of banks and savings programs
Instructions
Step 1
Take a piece of paper and detail all of your main sources of income in one calendar month. In other words, make an audit of your income. At the end of the list, list non-permanent sources of income and their approximate amount.
Step 2
Then try to calculate an approximate monthly budget. Include all the basic expenses in it: rent, food, public transport, money for car maintenance. It is better not to include expenses for the purchase of clothes and other long-term goods in the monthly budget.
Step 3
Now calculate how much money a month you should have after all your expenses. Based on this amount, determine the amount of money that you are willing to save monthly without prejudice to the main budget.
Step 4
Get a piggy bank. Now there are a large number of different toy piggy banks. If you want to save up a significant amount, then an ordinary porcelain piggy bank will not work, since a lot of money will not fit into it. And it is not intended for paper bills. There are piggy banks in the form of a miniature safe equipped with a lock. Usually such a safe has a mechanism that accepts bills. That is, you can save money without opening the safe. If you feel that the temptation to spend the accumulated funds in one day can prevail over you, then hide the key or give it to someone from your relatives. In case of urgent need, such a safe can be broken if the key is lost.
Step 5
Open an account with a bank and transfer a certain amount of money to it every month. You can not only save money, but also get a small percentage for it, which banks pay to their depositors.
