How to correctly save money with a small salary: we learn to dispose of our finances and not make rash purchases. Where to start and where it is better to save money: the best offers for savings

In this article, we will teach you how to save your income, and also tell you where and how to save money correctly.

It is sometimes vital to have savings. Yes, and it will never be superfluous to plan your financial future. But not everyone can boast of this skill. You do not need to spend money - you don’t need a lot of mind, but in order to accumulate, you need, at least, willpower! We bring to your attention a simple algorithm of actions and several useful tips that will teach you to put off and save your savings.

We copy the money without remorse or where to start?

It is not difficult to accumulate money if it is, and even better - when in the excess. Then it is simple to put it off, because everything is enough for everything. The question is complicated if the financial condition is not in one of the best provisions, but to get it for a specific financial goal. Here are a few valuable tips for effective home savings.

We think correctly

• Understanding that there is not enough money or it needs to be set aside will not help in advance to the goal. But to suffer that there is no money, but you can’t cope with this is also wrong. Arm with a positive attitude that you will succeed. Better yet, conduct a visualization of the goal. Think about what you have already achieved. This will inspire you.

We conduct an analysis and consider earnings

• The next step includes a simple algorithm of action. To begin with, we will accurately calculate all real income: salary, pension or additional income.
• We plus and display the main figure of our money.
• Now you have real money that manages to earn. From this figure we will build on.

We consider basic and additional costs

• What basic expenses For many, it is clear - this is the amount that you must spend per month. For example, utility bills, replenishment of phones, the Internet and other services.
  • You can calculate planned waste this month that can pull the budget on itself. It can be the purchase of equipment, clothes, going to the dentist or another doctor. You can spend money on travel and entertainment, but this must be recorded.
• Additional expenses - These are spending that are difficult to plan, but they pull a huge part of our budget.
  • Often purchases of such a plan seem trifling and are inexpensive. But if you count everything together, you can see a significant amount of expenses per month.
  • If you are familiar with such a problem, then you need to learn to control such expenses. How to do this as productively as possible, we will talk below.

We set a clear financial goal of our future savings

• Of course, you can save just as they say, "for a rainy day." There is no extra money. But if there is a certain financial goal, then the process of accumulating money can be optimized.
• If there is a specific goal, for example, a new bag, a car, a ticket for a vacation or another, then you can calculate the amount that needs to be postponed. Further, everything will depend on how large the sum of plans, as well as for how long you can really pick it up.

We get rid of credit cards and debts

• Of course, just by clicking you can not extinguish everything in one day. But after repayment of debts, you need to develop resistance to the temptation. With credit cards, the easiest way is to block them! Without regret or fear, how to live on. Believe me, cutting the card, you will experience incredible relief.

We put it off correctly

• Most people are guided by the rule that you need to pay with the right services, purchases, leave it for entertainment, and there it may come out to postpone it. Or even worse the option - we will live a month, and at the end we will see what will remain.

Important: Always save money first of all. Immediately after receiving. Better yet, install such settings on the map upon receipt of funds.

• The most optimal percentage for savings is this is 7-10%. The maximum, if the goal has a grandiose scale - this is 15. Such numbers are selected for the purpose that they will not affect your total budget. Even with a small salary without this share, you can do!
• If you are ready to take yourself in the “hedgehog mittens” and want to achieve the goal with all your might (and the amount is necessary for a considerable one), then go to the extreme method. Even if you have no deputy's income. Set aside 30%.
  • But do not try to immediately jump with a fun life to economy-mode. Start working, work out every step and only then go to the maximum.
• Also remember that there should be no jumps in the deposition. Calculated the amount that you can postpone and leave it. All deposits must be stable! If you have increased your limit, it means that you should no longer sink below.

Where to get funds and how to dispose of them to save money?

A complex point, but without it. You will have to rethink all the expenses, especially small ones. Believe me, you can really save a lot on them.

• Therefore, think about what you can refuse. For example, from beer with friends, coffee outside the house, going to clubs and other establishments.
• If you do it all right away, then try not to make impulsive purchases. Impulsive purchase -This is an unplanned decision earlier, which pushes you to buy something now, under the influence of emotions or desires. Some characteristic features are distinguished by such purchases:
  • i want to buy spontaneously, the desire appears at the sight of the goods;
  • in this state, losing self -control is very easy;
  • in most cases, there is an internal struggle between the desire to “buy” and the misunderstanding of “why”;
  • there is no objective assessment of the need for things, there is only a desire to buy;
  • the buyer does not think about the consequences of the purchase.

Important: The most impulsive in this regard are children, as well as people with poor willpower.

• Let's look at which of the goods more often become an impulsive purchase. Everything is very simple and, at the same time, quite brilliant:
  • pocket goods. That is, those that the buyer can easily be placed in a pocket. The list includes all possible sweets, bars, waffles, etc. This also includes coffee in sticks, chewing gums and other little things;
  • tobacco products and alcohol, especially beer and low alcohol drinks in a small container;
  • household little things, batteries, napkins, toothbrushes or small toys;
  • goods with a bright, brilliant and attractive label.
• If you often visit the supermarket, then note that such groups of goods are laid out near the cash register. Believe it for a reason. Such a “little thing” gives the store about 70% of all revenue.
• And all because, no matter how well the cashier works, the buyer will still linger near the box office. Let a passage or not for long, but pay attention to bright bars or other goods.
• Although it does not hurt to use accumulative or discount cards. Let a trifle, but you can get a pleasant discount.

How to save money: how to avoid unnecessary expenses: tips

Now the range of sale of goods has increased significantly. Take a look around and buy what the soul only wishes. The most attention was attracted by supermarkets, into which most citizens enter every day.

• Supermarkets - This is a whole industry of thoughtful life hacks to lure money from buyers. We will talk about some in detail:
  • red price tags, promotions and discounts. Red color is ideal for attracting attention. In the consciousness of the buyer, he works as a discount. And even if the price has not changed or changed slightly, goods with red price tags are buying more often. There are discounts in stores, undoubtedly. But, when buying a product with a discount, the client often takes on the accompanying product, which can imperceptibly rise in price;
  • comfortable carts For large purchases. The simple invention was invented in 1938, so as not to carry goods in the hands of trade rows. But through the efforts of the “marketing gods” the size of the same cart increased by 2 times. After all, it turns out more space for goods, more desire to put them there and, accordingly, expenses increase;
  • useful goods, fruits and vegetables have become a tool for luring money. Everything is simple - the buyer will see vegetables and fruits right away, only entering the supermarket. Researchers have confirmed an interesting fact. If a person makes, in his opinion, a useful purchase at the very beginning, he will calm his conscience and begin to go out for the aisles of the rational, spending money on not very useful, but delicious chips or buns;
  • milk and dairy products Have to look. Popular yogurts, milk, kefir are always in the far corner of the supermarket. By the way, for bread it is sometimes also worth running a couple of circles, if in a new area. And all this was invented so that before making a planned purchase (and this is one of the most popular goods), the buyer walks and put other impulsive purchases in the basket.

• But that's not all. I work in them real psychologically techniques that we can immediately understand:
  • mastery to create an illusion Not only circus artists own, but also supermarket managers. Vegetables and fruits are rubbed and sprayed with water. All efforts so that they look like they were just torn off the garden. That is, 100%fresh. And nothing that they are already for several days, and rotten, second -rate products may be from below;
  • it is difficult to fight hunger with a feeling of hunger. Confectionery departments and departments with fresh pastries attract the client. It is difficult to resist, because the receptors have already begun to work, saliva stands out and the bun is inexpensive. Such a course of thought in an ordinary person, therefore, purchases cannot be avoided. The income of the supermarket and the consumption of the buyer, and if there are a hundred such purchases, then sales will grow;
  • our children spend our money. This is understandable to both parties - the buyer and seller. It is difficult to go to the store with the child and go empty -handed. The goods that the children like are so that the child is not only clearly visible, but so that the pens can reach. And colorful windows attract attention with toys or goodies;
  • music and pleasant atmosphere- All this is for your favorite customers. Rather, so that they walk around the store for a long time and spend a lot. In a pleasant atmosphere, life difficulties fade into the background, but I want to not regret expensive sausage or chocolate.
• This is a small share of examples of tricks from large supermarkets. For many years of scientists have been working on them, now the works are compensated by ordinary buyers.

• In order not to spend extra money, go to the store with the finished purchase list and clearly follow him. Go for bread - buy bread, not sweets. Go after pasta or cereals, go around the department with other goodies. For a smaller temptation and in order not to make impulsive purchases, go to the store are always full!
• We also revealed the main tricks and tricks in detail so that you help to avoid them. Believe me, sometimes such unnecessary purchases do not just occupy half of your expenses, but can be even more expensive.
• Also a small but important advice - plan your purchases and make purchases once a week. If it turns out, better once a month. And this is quite possible to do. Most of the goods, for example, detergents, powders, pasta or cereals are quite realistic to buy in advance. Do not be afraid to make a reserve if you see that the toothpaste will end soon.
• If you need to buy bread or perishable products, then purchase them in stalls or small shops. But do not forget to check the deadlines. If you need to visit the supermarket, then choose the smallest of them and go with a clearly set target.

Important: The less often you will go to the store, the less rash and impulsive purchases, as well as extra expenses. And this, in turn, will pull the growth of your profit. That is, to save money will become quite possible, and with increased trends.

Golden "rule in envelopes" that will help to save money

And it seems to be madly simple, but really effective. The bottom line is that there should not be extra expenses. How to get rid of them, they said above. But a certain technique that many citizens use in Europe will help to additionally restrain themselves. Although also our grandmothers practiced her.

• At the very beginning, we described the main expenses, which, well, just cannot be abandoned. In order to more, they need to be paid on time. Immediately counted those 10%that need to be postponed. Now remove the money for the necessary expenses. For them there will be a separate place or immediately run to pay for the communal apartment.
• And now the remaining amount must be divided into 4 parts. That is, 4 weeks before the salary. And so you need to meet so as not to open the second envelope before the beginning of the next week. Better yet, if part of the money remains for the weekend. Then you can spend with a clear conscience on an unnecessary little thing or entertainment. And you can leave for the next week or increase the deferred 10%.
• There are two options when food is already included in these necessary expenses, and when it remains uncertain. In this aspect, you need to decide for yourself depending on how you make purchases.
• You can do otherwise - the necessary things of everyday use, which is not bought every month, belong to the desired expenses even before dividing. And some purchases that you can not buy in advance, of course, add to the envelope.

• For example:
  • you have an income of 50 thousand rubles;
  • you immediately put off 5 thousand as those 10%that can be postponed;
  • utilities and travel occupy 10 thousand;
  • perhaps you are making repairs or just want to postpone on vacation (for example, this month it is planned from a relative of a birthday), or maybe you need to buy a tracksuit. In general, create an envelope for unforeseen expenses. It takes another 5 thousand;
  • also, we do not exclude the presence of force majeure situations. We will be realistic, sometimes the disease can undertake our plans in order to save. Therefore, set aside the money for such cases in advance - another 5 thousand;
  • as a result, you get 25 thousand, which you can spend in these four weeks. On average, 6.250 thousand rubles come out.
• By the way, a small advice is a little more in a month than 4 weeks. Therefore, you can create the fifth envelope for the reserve. And throw a rounded amount of 6 thousand into it, that is, 250 rubles each. Let a trifle, but sometimes she can become a spare circle for those situations when there is not enough money for a week.
• This technique helps to learn how to control your expenses, and also raises restraint from spontaneous expenses in you.

Even special mobile applications will help to save money

We live during modern technologies. And they can do a lot, including, and consider your money. Applications that will help control expenses and lead the budget, anyone can install on their smartphone. What they are, as well as several best options, we will consider closer. This is a great method so as not to lose your calculations, to always control them and not waste time on recording.

• Money Lover - The application for the phone, which has convenient functions. It can control the obligatory expenses and remind them in time. It is easy to consider the budget and your savings with it. Data is displayed in the form of understandable sections and diagrams.
• Money Manager - An application that can control all income and expenses. You will accurately navigate what you spend more on. Statistics can be seen on the screen for any period of time. It will help to manage bank cards and plan a budget by categories.
• Zen-Mani - an application adapted to the banking system of Russia, Ukraine and Belarus. It considers information from banking messages. Its unique skill is independent fixing of expenses. Therefore, you no longer have to do it manually.
• Money Wallet - The application that is written specifically for the Windows operational system. The program itself will follow your budget, it will easily combine all the data and remind you of planned purchases or payment of bills. With the application, the budget can be divided for a week, day or month. It is also possible to update the exchange rate and keep bank accounts.

• GoodBudget - Another mandatory application for consideration. With this program, the user must draw up his financial plan for a month on his own. For example, how much you should spend on products, things, entertainment and more. It will become much easier to plan a budget with it, as well as your own finances.
• Monefy - an application that Umet will competently organize a complete system of home finance accounting. The interface is understandable, which will allow you to add data without problems and make a change. Using the application, you can even control the expenses of your family members.
• Splittable - An application that is designed specifically for those who share their expenses with relatives or friends. For example, in the case of a joint rental of an apartment or maintenance of the household. It can calculate the expenses of everyone, while determining who is larger and who paid less this month. No need to recall and prove your case, because everything will be correctly and competently calculated by the application.

This is not a complete list of existing applications of this type. Developers are looking for new ideas and create useful programs. Electronic lists of products, programs to save on travels, databases of discounts and much more. The main goal of such a variety is to help or teach to save money, which, you see, is the right skill in our time.

Where to store and save money: the best offers for blood savings

In the process of accumulating funds, an important point is a way of storing funds. You can come up with different options. We offer to consider the most popular and most reliable of them. Money loves not only an account, but also a careful attitude towards them.

• They decided to keep money at home. If so, then you are not alone. But we will be realistic. This method, although popular, has many minuses:
  • storing money at home is unreliable. Wherever you hide the product in the house, they can be stolen. The most “reliable”, in your opinion, caches are well known to the thieves-dummies. They will find them for several minutes;
  • it is unprofitable to store money at home. Money tends to depreciate. If they just lie, they can turn into unnecessary pieces of paper. Then the planned purchase may not be enough funds and you will have to save and collect longer;
  • keep money at home seriously psychologically. The temptation to spend the accumulated "wealth" will arise in any normal person. If there is money at home, an unpredictable situation, urgent needs or ideal conditions for any purchase will certainly arise. Savings will be spent and your savings will not bring anything.

• We decided to store money in the bank. A reasonable decision, which is accompanied by justified fears. Indeed, often financial institutions become bankrupt, and deposits are not returned and accumulations are disappearing. So that such a trouble does not happen to you, you need to be a financially competent person.
• That is, you need to know the legal norms about banking. You need to understand who can be trusted, and how to return legal property. Remember that the state guarantees the return of deposits of state banks. Therefore, take into account the funds for guaranteeing deposits and choose a reliable bank with a good reputation.
• Money in the bank can be stored:
  • just on your bank card. But do not take a salary card, because it will also be easily removed from it. Make a card that will lie in a separate place with documents, and not in your wallet. Plus everything, also a small percentage will slightly increase the assigned amount;
  • opening a deposit account. In such cases, you will have interest on your contribution even in a larger size. Plus - it will not work out just like that. After all, you need to wait for the termination of the contract. In the meantime, you wait for the deadline, and their desire to waste will subside or find a different way out;
  • you can use the cell in the bank, but this is not profitable. After all, you will have to pay for use. Therefore, it will be difficult to grow from a small amount;
  • there is also a kind of option - to store with friends or relatives. But in such a situation, you need to trust them 100%, and one more point - so you can store small amounts.

Important: do not also store money in one place. Be it at home or in a bank. Always have a few deposits. It should also be with deposits. Better yet, if all of them have their own goal.

• More reliable investments. Such alternative methods of storing money are known:
  • storage in gold or other precious metals. A great method that will even help to convey deposits to your great -grandchildren. But, unfortunately, you need to save money to buy this contribution;
  • storage in foreign currency, more valuable in the exchange market. More and more often uses in our country and not only. Especially, taking into account the jumps of the ruble. You can change any amount that you can afford. But for this you need to carefully calculate the budget and decide on the permissible amount. By the way, you must understand that there is no option to run 1 dollar in 1 dollar;
  • storage using deposits. No, not in a deposit, but in real estate or in valuable shares, papers. Great option. True, the family, what is accumulating for housing, will not be able to buy an apartment for the sake of investments. That is, the method is more for those with finances and so good situation.
• Feng Shui offers its methods of accumulating money. According to the theory of Chinese sages, money needs to be stored at home and away from prying hands and eyes. Moreover, other family members should not know where they are.
  • But here you must have free access. Money loves praise and attention to themselves. But this is not all, for their multiplication you need to put a mirror and precious stones nearby. And wrap it all in a shiny red fabric and place in a beautiful wooden box.

If you summarize all of the above, you can derive the basic rules. Always count your money and plan the budget. Try not to make impulsive purchases and avoid temptations in large stores. Set a specific financial goal and follow it. Follow the market, discounts still exist, but choose them deliberately.

Use helping programs to effective finance control, and even better-distribute finances on envelopes. In general, keep the money in a safe place and, most importantly, with benefit. Based on all of the above, the most optimal option is to open a deposit or exchange in foreign currency, but it is also better in a bank.

Video: How to save money correctly?