Accumulating money is not that difficult if you take it seriously and review your monthly spending. Then, after a certain period of time, the required amount will accumulate in the envelope, which can be spent on the desired purchase.
Modern society is accustomed to loans, installments, deferred payments. For some reason, it is believed that it is much easier to take to buy a car or household appliances than to save up a certain amount. One gets the impression that it is easier for some to put themselves in debt, but pay a tough monthly rate, than to force themselves to save money on their own. We need an "overseer" from the outside. In fact, money is not that difficult to accumulate. But this applies to those cases when wages are higher than the subsistence level.
Three basic rules for saving money
First, you can put a certain amount of money in an envelope every month and assume that this is an emergency reserve (NZ). Even if a thousand rubles is not enough for an urgent purchase, it is better to borrow this amount from friends, but do not touch NZ. Such a tough attitude will develop discipline and allow you to fund your account every month for future purchases.
Secondly, all cash expenses per month can be broken down into categories. For example, "groceries", "rent and school expenses", "communication services and the Internet", "transportation costs" and so on. Surely, at the end of the month, some of the envelopes where money is stored by category will remain the saved amount. It can be put into an NZ envelope.
Third, you should pay attention to where the money is being spent. You should not buy yourself trinkets that have been lying for years and are not needed by anyone. The same can be said for products. It is quite reasonable to moderate your appetite and buy those that are really healthy and tasty. Psychologists say that it is better to go to the grocery store on a full stomach. They are a hundred times right - if you buy food on an empty stomach, your wallet will empty twice as much.
Deposits and securities as a store of money
You can save money in another way. But this comes with a certain risk. If you already have a tidy sum of money, but you don't have enough money to buy, you can put it into a savings account for a while. Also, money is invested in securities and so on, but here the risk increases significantly. Naturally, it is safer to contact one of the reputable banks in order to take your money with interest after a few months.
If a person has a desire to accumulate money and willpower, then, as a rule, it will not be difficult for him to achieve what he wants. The main thing is to follow the intended goal and not allow yourself to relax. Then, after a given period of time, you can buy what you want to improve the quality of life. Money is loved by those who know how to use it for its intended purpose.
