Sooner or later, but everyone comes to the fact that you need to save money, or at least spend rationally, which is actually the same thing. The incentives that motivate people to do this useful work can be completely different, most importantly, they should be treated with a mind and a positive attitude, only then can the desired effect be obtained and remain morally satisfied.
Recommendations for the proper organization of savings
For most people, the word "savings" means the infringement of their usual way of life and a difficult financial situation. But many rich people live so modestly and economically that they are almost no different from average citizens. They also need to be taken as an example, because in order to collect a fortune you don’t need to throw money around to the left and the right.
It is still necessary to learn to save correctly and for this it is worth asking yourself a positive attitude that saving is not bondage and burdening, but a way to achieve your goals. In order to fulfill this point one hundred percent, you need to analyze your life goals and draw up a concrete plan for your landmarks. This plan will help you choose your specific goals for which you will need money.
When there is a goal and it is really doable, then the person will try to achieve it at all costs. The next step on the way to rational economy should be an analysis of your expenses and income, which will show weak points that need to be eliminated. And here you need to be objective and do not prevaricate, to make a balance extremely frankly and carefully.
Also, do not forget that their savings need to carefully plan and calculate. You can not mindlessly save on everything, because the quality of life will suffer from this, which cannot be done at all (exceptions are possible, but only in cases when the savings are caused by a difficult financial situation).
Ways to save without compromising quality of life
There is a mass of ways of rational economy from which no one will suffer, because it can be invisible. Among the most popular and common ways are the following five:
- 1. You should refuse to buy any small things.which do not make our life better, but simply draw money. To such trifles can be attributed to various junk food, which is not fed up and bought just like that, because it stands in a prominent place in the store (nuts, crackers, candy bars, chips, etc.).
But we are not talking only about food, but also about various trinkets that women are used to spending money on: a mirror, unnecessary cosmetics, a hundred and first strap, and so on. As for children, many of their parents are taught from childhood to buy all sorts of harmful sweets and unnecessary trinkets with which they are not played, so it’s best to give them up, which will benefit not only the budget, but also the upbringing of children. All of the above listed things, although they are not very expensive, draw quite a lot of money from the monthly family budget and by refusing to feel alone, the opportunity will not be felt. - 2. Payment of utility services. Anyone who pays for the receipts himself knows that the price of utilities in Russia is very high, so saving in this area is simply necessary. But this does not mean that you need to stop washing or turn on the light, no, you just need to put meters on all natural resources: water, electricity, gas, heating. This will significantly reduce the amount in the receipts, since the entire shortage of housing and communal services is charged to those apartments that do not have meters.
- 3. Payment for mobile communication. A phone in our time is just a huge necessity, but this does not mean that you need to spend the lion's share of your earnings on it. If the analysis of expenses has shown that mobile communication “eats up” about 1000 rubles and more within a month, then you need to think about changing the tariff or the operator. It is also worth noting that using mobile Internet is not at all profitable, especially when most of the institutions are now equipped with free Wi-Fi.
- 4. Food. There is no need to restrain yourself in nutrition, since human health depends on its usefulness. But there is a little trick and it lies in the fact that in large hypermarkets the price of goods is much lower, but you need to take them in batches. Therefore, in order to provide yourself with everything you need to make purchases in such stores for a month or two in advance, this will save a significant amount of money.
- 5. Entertainment and leisure. Modern young people have learned to spend their time pleasantly and without money, you just need to show imagination and the weekend will be unforgettable, and the money is whole. After all, instead of a banal sitting in a cafe and drinking alcohol, you can organize a joint bike ride through the city’s sights.
Savings can be a great hobby that will bring the realization of desires and plans. It is important to always remember for what it is done and to meet their plans.
