Are you struggling to make even small savings? Consider the imaginary reasons that prevent you from accumulating a certain amount of money.
"I have a low salary, so there is nothing to save"
It is a myth that only those with a high income level can save. Change the situation! Start keeping track of expenses: this alone can reduce them by 5-7%. Analyze spending and highlight those that are regular. Set a bar for them and try to stick to it. Reduce costs gradually. Start with the biggest ones. Your task is to keep the usual way of life, but for less money. You will see, after that you will have a difference between income and expenses. So it should be postponed.
"It is impossible to save up: you will need money for something urgent, and again I will spend everything"
All expenses are divided into regular and irregular. The second includes spending on vacation, apartment renovation, treatment. It is important to learn how to plan for such expenses. Determine what you will buy, how much money you will spend on it, and when it will happen. Of course, it is impossible to foresee everything, but if large purchases are included in your budget, you can purposefully save for them. Create a separate envelope for each and replenish it regularly.
"My savings will not bring income anyway"
They won't if you keep your money at home. The easiest way to preserve and increase your savings is the Baonk deposit. Having mastered this method of investment, proceed to the study of other financial instruments: stocks, mutual funds. Only first you need to study the information.
"I'm afraid to go to the bank"
These fears are easy to understand: banks are closing one after another. How do you know who is next? But now all financial institutions that accept funds from the population are included in the deposit insurance system. And it ensures the return of investments not exceeding 700 thousand rubles. Have saved up more? Put your money in several banks.
"If I need money, a credit card helps me out - so why save?"
Grace credit cards are not such a bad idea. They allow you to quickly get the required amount for emergency needs. But in order to have time to repay the debt without interest, you need to carefully study the conditions. Otherwise, you risk becoming the owner of the most expensive loan.
