Sooner or later, everyone thinks about saving. Without saving, it is impossible to become successful, and people with little income generally find it difficult to survive. Saving tips are presented in this article, perhaps they will help someone improve the quality of life and save for the benefits of their dreams.
Instructions
Step 1
It is important to understand that saving is not a deterioration in the quality of life, but cost optimization. It leads to the fact that by not spending money on unnecessary goods, you free them up for what you really need.
Step 2
Divide all your expenses into three categories. The first category is expenses that you cannot live without. These are, for example, food, utilities. The second category is non-essential expenses. For example, on fashionable clothes, going to the cinema, cafes, traveling. The third category is strategic expenses, such as the cost of purchasing real estate, training, business organization. Analyze the costs from each category and find ways to reduce them.
Step 3
To cut costs from the first category, start eating healthy and inexpensively. Buy groceries where it is cheaper, if possible by weight (this is usually cheaper), take lunches to work instead of eating in canteens and cafes, give preference to first courses (they are healthier and cheaper than second courses), buy vegetables and fruits in season (healthier and cheaper), exclude harmful chips, soda, sweets. Before going to the store, make a shopping list and strictly follow it. Save energy, if possible, use meters for all types of utilities.
Step 4
Estimate non-essential expenses (from the second category). Give up completely not very important and useful ones, and try to minimize those that are important or useful for you. For example, if you are used to going to bars on weekends, go there full. Going on vacation, plan your expenses, choose a cheaper vacation.
Step 5
Strategic expenses (from the third category), which are aimed at achieving important, defining goals in life, also need to be minimized, for example, choosing the lowest interest on a mortgage loan or repaying a loan by applying for a new one, on more favorable terms.
Step 6
Once you've figured out your expenses, make it a rule to set aside a certain percentage of all your income. It can be only 5-10%, the main thing is that this rule is not violated under any circumstances.
Step 7
Determine where you will invest the money saved this way. Following the theory that "money must work", the most correct is to invest in assets that will bring income in the future. For example, in real estate, financial instruments. A regular interest deposit in a bank is also a good option.
