Saving money is common in the current crisis. However, you need to save wisely, because by limiting yourself in everything, later you will break down, spending everything in the very first grocery store.
Let's look at three key points. What is savings? What is it for? And how is it expressed in ordinary everyday life?
Savings are, first of all, a moderate reduction in costs, which will soon lead to the accumulation of some amount.
Many people do not start saving of their own free will. It could be layoffs at work or, more severely, layoffs. In such cases, this measure is vital.
Another point is more pleasant. People start to save money in order to purchase any product. For example, washing machine, mobile phone, apartment, etc. And also, in the summer to go to the sea, swim in salt water, allow yourself to relax in body and soul, enjoy the rays of the sun.
And now the most important thing. How do you learn to save? And most importantly on what? So we do not eat foie gras every day, not even once a month.
Let's start small. Everyone knows the saying "A penny saves the ruble." Always take your change, even if there are 3 rubles 50 kopecks. It seems like a trifle, but it accumulates.
Do not leave your computer or microwave in the outlet, they still consume electricity. Do you think the buttons are blinking due to air?
Remember one trick! When shopping for groceries, be sure to eat. So, you will not be attracted by every product on the counter. You should also not purchase the full program. Buy a little at a time. So the food will not spoil, and gradually you will understand that some food is not needed at all in the refrigerator.
And remember, you need to save right! You should not immediately give up all the goodies, reduce their number. Do you like fresh fruits and vegetables? Do not deny yourself this. In everything you need to know when to stop.
Another important feature to consider when shopping. Pay in cash, not credit cards. So you see how money, roughly speaking, leaves your hands, but when you pay with a card, you do not feel it.
Do not borrow or lend under any circumstances! In the first case, in the future you will have to repay them, and in the second case, you will not be able to remind you that you have not yet been repaid. And as it happens, they say that for a week, but they forget about their words.
Go for a walk or go to the cinema, take as little money as possible. If you want to buy or purchase something, you simply do not have them. They will lie at home under lock and key.
Be careful with promotions, discounts and sales! This is oh-oh-oh how all of us beckons! For example, you went to the store to buy milk, and there is a promotion: three chocolates for the price of two. Naturally, you take them, happy and content. But think about it, you weren't going to buy chocolate, you bought it. This is a marketing ploy. Be careful.
For convenience, write down all your expenses. This way you will find out where your money is going.
