Effective ways to accumulate money. How to save money on a house and a car?

Learning to save money. How to start postponing, how to assemble a car and other large purchases for an apartment.

Sprinking, saving, collecting money. What associations do you have with these words? Most likely negative. Yes, there is an understanding that all these words are associated with the collection and increase of funds, but there is something negative inside. Why? Everything is simple, the media worked well with us.

From the very action. It is impossible not to remember the cheerful animated series "Duck Stories", funny and fervent kids, and stirring Scrooj MacDak. Yes, in our heads, the negative image of Scrooj so loving his money has forever settled in our heads. And this is only one of the many components of a large iceberg sharpening of our consciousness.

Television, Internet, bigboards - everything calls not to be a guide and spend your earned money faster and more fun. And with the advent of social networks, we ourselves began to push ourselves to such actions-every day one of the many “friends” posts photos from restaurants, clubs, resorts, as well as from beautiful travels.

And scraping a little more tape, you will definitely take a quote like this “what difference does it make in which sneakers if you are walking along the streets of Paris.” Beautifully, tempting and so inspiring. And at home, life, at work is hard and boring ... How can it not succumb and not to wave to that same Paris?

Thus, today our nation is radically different from its predecessors. Who now has a credit card - yes everyone has. Who has a deposit? Not everyone.

Did you know that our parents did not know at all what a loan, installment plan, etc. In order to buy something, it was necessary to first collect a sufficient amount. And at the same time they bought cars, built houses, cottages, went to rest. Earned more? No. Disposed of the budget.

In order to start collecting money, it is necessary to stop randomly spending money and start the budget. You need to understand what amount, where it goes, is it possible to reduce costs in a particular field.

We give examples. If you think over the menu in advance, purchase everything in advance and strictly according to the list, food costs will be reduced to 40%. At the same time, this will not affect the quality of food. For example, your family loves sweets. They can be purchased in the store every day, or you can think over the menu and cook healthy and tasty casseroles, charlotte, rolls and much more.

Having adjusted the nutrition, harmful products are naturally excluded. And this is a plus for health and budget, but for pharmacists minus. From this you can draw another conclusion - to make money and accumulate money easier for a healthy person. And this means that it is necessary to change not only thinking, but also a lifestyle.

So, we examined which aspects of life prevent us from becoming richer. We go directly to how to efficiently accumulate money and not to waste the first impulse.

The most effective ways how to accumulate money

The most effective way to accumulate is to put money so that it is impossible to use it at first desire. This may be a relative to whom you gave money for storage with the condition that he will give you only in case of real need.

Parents are best coped with this role. But most often, reliable banks are used for such purposes. Before opening the deposit, be sure to make sure that it is insured, and the amount of compensation exceeds the amount that you must receive at the end of the deposit.

ten%. This amount with which you can part without a thorough budget reduction. Make a rule of a certain percentage, and you will never get into debt. In any case, you will have delayed money "for a rainy day."

We give the interest distribution of money, which slowly but confidently will allow you to accumulate money. It is not necessarily that the percentage must be just like that, change at your discretion to the larger or smaller side certain points:

• 10% the amount is postponed “for a rainy day”, which include an unexpected disease, loss of work, death or disability of the breadwinner. If the amount is not useful, you will have a decent capital on retirement, for example for a trip around the world. Yes, yes, it is these 10% that give Europeans the possibility of a rich pension than we are worse
• 5-10%, depending on the options for vacation. Thus, you can’t earn a cruise, but you can block the lion's share of vacation expenses
• 10% for unforeseen current expenses. They include the current treatment of family members, repair of household appliances, buying a new one as necessary. Some housewives who did not waste this part of the money managed to make repairs at the end of the year. Isn't that an incentive
• 10-30% is deposited for the desired large purchase. It can be a car, a summer house, and even a new house

After first reading about such a scheme, you are most likely in indignation. This is up to 50% of my income? My salary is strictly enough until the next salary. No it is not for me. Perhaps today and not for you.

The first step - start led by the budget, the second step - see how you can increase your budget (more on that below), the third step is how to reduce costs. And then you will lead how you will have “backup” money that can be postponed.

How to accumulate money to a teenager, a schoolboy? How to accumulate money to a student?

For those who went on the path of tremors, and on a certain path of life realized that he lived consumerly, without postponing anything and without acquiring anything very important that the children do not face the same difficulties. Do you want your child to learn how to protect money, put off and not take off in loans in the future? To begin with, you must show your own example.

The needs of schoolchildren today are much higher than before. Today, gadgets are not only an interesting toy, but also a necessary thing. But do not immediately purchase the desired thing. Try to save with your child.

Give him a slightly larger amount than he needs for lunch and put a piggy bank at home. Offer saved money to put off on a treasured thing in order to purchase it faster. Thus, you will teach you not to spend everything that is in the wallet, but to plan your expenses, put off and save.

High school students may want to increase their income thanks to part -time jobs. Many parents are opponents of part -time jobs in adolescence, but in vain. If the part -time job does not interfere with the educational process, and also does not damage health, do not dissuade. On the contrary, think about how you can help.

Perhaps you can help you get a job for the implementation of intellectual labor (telephone sales, freelance, an assistant in the office, etc.), as well as work with courier, distribution of leaflets, and presentations in supermarkets.

Of course, at this age I want to spend a lot. Set yourself a goal, hang a photo in front of the table with the desired expensive purchase for which you collect money. And be patient!

How to save money without work?

It is good when there is a job on which they pay a decent salary. But here's what to do for those who do not have a job now. These are students, and mothers on maternity leave, and temporarily unemployed. Can they accumulate money? Quite. After all, the availability of work and the presence of earnings are completely different things. The most incredible classes today can be turned into income.

Hobby. Everyone has their own. If you are fond of handmade? Turn it into your mini-business. You can make order, sell finished products, as well as conduct master classes and lessons.

Are you fond of sports? Do you know effective training methods? Try to organize training in the fresh air for a symbolic fee. For you, this is an experience and a small income that can eventually turn into a profitable lesson.

Do you know foreign languages? The work of translators is more and more in demand. Did you write essays and do you have a beautiful syllable? Try to freelance exchanges, if your writing talent is in demand, this will give a good earnings from which you can postpone very decent amounts.

All these types of earnings involve profit in small amounts, but often. At the same time, a person thinks, today I will spend, and tomorrow I will postpone it. At the end of the month, while postponing a large amount is more difficult, since the amounts are again received by small ones.

Get the rule to postpone from each receipt, regardless of its amount. If there are several revenues per day, allocate a few minutes in the evening to calculate the total profit and postpone a fixed percentage.

How to save money for a car? How to accumulate money at home?

It is good to postpone 10-30%, but I would like to purchase the car after 30 years, but a year later, well, a maximum of two. And the apartment is already needed, as they say, yesterday. Here the slow but confident technique does not work a little.

Firstly, it is necessary not to collect ghostly dreams, but for real facts. When choosing a car, decide, you need a new or used. Mark, year of release, and other details. Decide on the price of the purchase currency (dollars). Then, the real term for which you want to accumulate.

So, the amount of the car/for the number of months (- vacation). The amount that must be postponed.

Now the amount of mandatory expenses (and the budget maintenance will help here): food, utilities, travel expenses, school, garden, replenishment of telephones, current spending on clothes. If in total it turns out 100% or even less, from your income - excellent. The calculation is perfect, we begin to postpone.

If the amount is more than 100% there are two options - find a part -time job, additional income, or delay the purchase of a car for some period, dividing the amount into more months.

Video: How to save money - accumulate for an apartment, car?

With the purchase of an apartment, the question is a little different. We do not recommend collecting all amounts, but only the amount of the initial contribution for a mortgage. The scheme is the same as with the car. And now in more detail, why it is necessary to collect exclusively for the initial contribution.

• You rent housing. Monthly you give the tenant a certain amount for rent. You will also contribute to the same amount (and possibly less) for the mortgage, but at the same time you will pay for your housing, and not someone else's
• You have housing, but you want to improve your living conditions, or buy an apartment for younger children. Having gathered for the initial contribution and taking a mortgage, you can not instill in the apartment, but hand over it
• Part of the amount will go to pay off utility bills and current repairs (if necessary), and part of the amount will serve to repay the mortgage. If you, as before, continue to postpone the same amounts, you will pay off the loan twice as fast

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In both cases, the benefit is obvious. It remains only to accumulate on the original contribution, but this is only 1/4 of the cost of the apartment.

How to save money for repairs?

Repair can be started, but it is impossible to finish, many say. Not true, it all depends on how you will do it. In order for the repair not to turn into a lifestyle, it is better to do it not gradually, but all the same in one fell swoop.

Again, planning comes to the rescue. What will you do, what work you can do yourself, and for which you need to hire workers. The cost of work, terms. Prepare the estimate and derive the final amount. Depending on the capabilities, break the amount of 6-12 months, but for the amount that must be postponed, it was real and feasible.

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As practice shows, if you put the main goal of repairs in the house, then in just a year you can accumulate for excellent repairs.

How to save money in a bank?

Today, banks offer the most excellent possibilities for opening deposits with the possibility of impositions. Do you doubt the banking system? Are you afraid of bankruptcy of the bank? Be sure to check that the contribution is insured.

Also, in pestilence, it is recommended not to catch all their savings in one bank, but to distribute in several, but reliable. Another nuance - small banks most often declare themselves bankrupt. With large problems, problems happen much less often.

How not to spend accumulated money?

It will be difficult at first. After all, you are used to spending, and the idea that somewhere is the amount “idle” will bother you. In the first year of savings, open a deposit that cannot be terminated ahead of schedule. Usually, there are enough years to get used to drinking and not wasting.

Another way to restrain yourself and not spend money is visualization. Posters, photos, screensavers with what you copy. One look at the dream and the desire of the “impulse” purchase will disappear by itself.

How to save money correctly: tips and reviews

Inna: My first work was at the dad in the office at the age of 14. Having received “impressive” first money, I wanted to run around the shops with a girlfriend. But dad said to achieve a lot, you need to put off according to opportunities. And we went to the bank. Dad opened a deposit on me, and I put the baby - the treasured 10%. Not at all upset, because I still had 90% of the money, I ran to my friends. Since then, 10% took the bank account from each profit.

My work was not constant, but there were part -time jobs, later freelance and writing coursework. Having graduated from the institute, my young man and I decided to create a family. His parents were against, since we still have nothing. What was their surprise when they learned that during my studies I accumulated 3/4 apartments. Thanks to my parents, today I live in my own apartment, I am raising my son, and my husband and I are doing a great farm!

Karina: Saving always seemed something for the poor. My parents fenced me from the vicissitudes of life, and even in marriage I did not need anything - my parents always helped financially. But then everything collapsed somehow. Parents are retired, I have no more money for help, my husband lost my job, and I'm on maternity leave. And then I came across an article and home budget and how to save. The first was denial. I could not postpone anything before, how to do it now?

But we downloaded the program with my spouse and began to record all our expenses over the past year (the benefit of the statement of statements on accounts is constantly available). My husband had a shock, we spent a large half of the income (without even suspecting this) on catering, entertainment and clothes. Having reviewed the lifestyle, we were able not only to live, but also to put off on his unemployment allowance! Well, then he found a job, I found a part -time job, and life again spun as before. Only now we copy his son to the house, because very soon he will grow up, and we must help him.

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