How and on what can I save money? Saving money, family budget during purchases, for repair, food and food, on clothes, electricity: effective advice, money saving a money

One important rule of financial literacy proposed in this article will help to fulfill even the most unrealistic dream.

Content

Planning, precede the right actions, and prevent bad ones.

How to save money with purchases: tips

Before you start saving, you need to have an exact concept for what purpose you need to do savings.

If there is a decision to accumulate on vacation, an apartment or just accumulate - this one option savings
If income has decreased, due to unforeseen circumstances - this the second option
The third option - If you climbed into the debt hole and the clearance is no longer visible

Regardless of the occurrence of the cause, the need to save on purchases, there is one Financial rule:

Competent distribution of all income received.

The principles are simple, compliance with which will help not only increase prosperity, but also allow you to get out of the deepest debt pit:

All of the income received, for a certain period of time, we take for 100%.

We distribute it:

10% - charity
50% - everyday needs
10% - account for training, development
10% - investment
10% - entertainment
10% - piggy bank, savings for "black day"

The formula is not an axiom.

We adjust it depending on the state of financial affairs.

Axiom, subject to this formula, is only charity.

Remember, regardless of your financial situation, there is always a person who is much worse than you.

Give 10% to him. The energy of money is arranged so that when giving 10%, you get 20 times more in replacement.

In extreme cases, if things are already very bad. Make charity for yourself. In your list, this should include the cost of charity.

Now when you have decided on the cause of the need to save
Knowing how to properly distribute and plan expenses
We proceed to the very process of saving

Saving money on electricity: tips

Electricity is a necessary article of expenses in the family budget. Which in our formula refers to everyday spending.

It is worth rational to take this source of expenses using recommendations:

Video: How to save money on electricity?

Saving money for food and food: tips

Product costs are attributed to everyday costs. Obviously, this is the main part in the general everyday expenses.

To begin with, from the planned daily expenses, we take away all mandatory payments: utility bills, a monthly payment for a loan, other monthly expenses

Based on the balance of the resulting amount, we make a list of products:

First for a month. Wholesale purchases are cheaper - this is a well -known fact.

We break it into Weekly list. In some products, there is no such need to buy a lot at once. Suppose if we take noodles or cereal in bulk for a month. Fruits vegetables - weekly. They tend to deteriorate. Therefore, we break the monthly list by weekly.

Weathery list is crushed on daily. Bread, milk, etc.

We analyze what happened.

If necessary, we revise the list again
And so on until we lay down in the allotted amount of expenses. There is always what can be abandoned
With a debt pit, when debts occupy most of the income. We are reviewing articles by investment, training and rainy day. In case of insufficient funds, last, we have charity for ourselves
But such an option may happen when most of the income has to be repaid for debts

In this case, only one rule:

20% for debts we give monthly regardless from financial situation

There is already a struggle for survival. List of products planning, as never necessary. Only strict accounting will help to correct the crisis situation of the financial situation.

For those who want to reduce their appetite and save on food. We move from planning, to a rational trip to the store:

How will it save money when going to the store?

Video: How to save money and save the family budget?

Savings on clothes: tips

It would seem, why not save on clothes?

After all, it does not require daily expenses.

Nevertheless, the acquisition of clothing is also a necessary part of expenses. Which can be reduced:

We review our wardrobe. If you have clothes for all seasons and essential clothing, temporarily, we completely refuse these expenses

In the event of the need to buy clothes, we purchase clothes:

in joint purchases on the Internet. This is a profitable savings. The ability to buy the desired thing with a cost of 50 % less than in the store. If you want to save, there will always be an opportunity to try on a thing first in the store. And then order at a better price on certain Internet resources
through an intermediary on foreign sites
on aliexpress or other available sites. Where the price is much lower than in retail trade

Well, in the presence of debt obligations there are more than 50% of the income, again we forget about this article of expenses, until the budget balance levels. In this case, as it is not sad, we purchase clothes with its full wear

Video: "Money Rules." How to spend less money on clothes

How to save on repair: tips

Any repair: capital, cosmetic or current, emergency, we plan in the costs of the Black Piggy Code. This is 10% of the total income.

The planning principle is different, depending on the financial condition:

The reason to save in order to accumulate something -We attribute these expenses monthly to the “black piggy bank” and forget for the next 5 years for major repairs, for 2-3 years for cosmetic. Emergency as arisen
If financial problems arise in case reducing income, we move this cost of expenses, not for two years and five years, respectively, but in percentage attitude to the amount of reduction in income

For example, income per month became 30,000 thousand rubles, and it was 60,000. That is, the costs decreased by half. We move the repair for 5 years and plan it no earlier than 10 years. Again, due to the expenses of the "black piggy bank". Do not forget that in case of improvement and stabilization of income, this period is again subject to adjustment.

If deep debt pit -repair costs are temporarily not planning. We are waiting for the moment when income begins to exceed expenses
In the case of emergency repairs - we produce minor expenses at the expense of everyday expenses, large ones at the expense of the piggy bank
Directly starting repair, we listen to practical advice presented in the video

Video: How to save on repair: expert advice

Memo: how to save money

We set a goal - what do we want to get from savings (buy a car, go to relax, pay off debts or fit into a crisis budget)
Upon receipt of income, we paint all the costs of
The costs are made in accordance with the approved plan. Only in case of force majeure, we adjust the planned income, taking into account the emergency expenses
In no case do not borrow, this will move even further from receiving the goal. We cut only our expenses

Using the cost planning method for some period, there is an understanding that this is the only true way to save.

But, starting to plan and count on paper. A clear picture of the money leak is facing before my eyes. Where and on what you can really save: cigarettes, sweets or quite unnecessary, new, “105” pair of shoes.

Learning to plan the budget:

In a month - it will turn out correctly
In two - we will see the first results
In a year - the first tangible accumulations appear. Or an opportunity, a little, stick your nose out of a debt pit