Optimizing your budget is important for any person, because it is the key to confidence. How can you learn to save money and save up for big purchases if you have a family and a small salary? There are several ways you can learn to live frugally while avoiding major waste. Compliance with simple rules will help every modern person feel confident, have a cash reserve, get rid of loans and debts.
First, try to have a notebook in which you will write down all your expenses to the penny. It takes time and patience, but in a couple of months you can analyze all your purchases. Moreover, the “list of purchases” before your eyes will help you to prioritize and understand what you need to buy and what you could do without.
A simpler, but no less effective way will also make it possible to save money. This method consists in the fact that all your monthly income must be divided into four envelopes. In one, you can put 10% of the total amount - there must be some kind of emergency supply in case of "force majeure" or a large purchase. In another - immediately postpone the amount for mandatory expenses (utilities, Internet, mobile communications, etc.). In the third envelope, you can put a certain amount on your future vacation, because thinking about rest is the best stimulus for reducing expenses. And in the fourth envelope you put everything that is left - this is the amount that you should spend within a month on current expenses.
In order not to cut your budget in half at once, make it a rule not to make serious purchases on the day you receive your salary. A person usually thinks that he can afford everything on this day, but an impulsive purchase can significantly affect the future budget.
We also advise you to pay only in cash, not bank cards. It is more difficult for a person to part with real money, and not virtual money.
No matter how funny it may be, you shouldn't go shopping in the supermarket hungry, and even without a list of necessary products. Of course, you will buy more, but you will forget about saving.
We also add that large chain supermarkets often produce their own products. The quality is no different and the prices are much nicer.
In general, one should not be lazy and go to the market for seasonal products. First of all, there is no store margin, and besides, you can bargain. The main thing is not to be afraid to defend your position - it is about your money.
In addition, we recommend that you refuse to buy ready-made meals for a break from work. It is better to spend a couple of hours preparing the dish at home, but during the next days you will not spend extra money. Happiness, of course, is not in money, but when there is a little more of them, the mood rises significantly.
