Rockefeller or Rothschild to be born.Or, if you're lucky, get an inheritance from some American uncle, who before the revolution had left for a better life.For the majority of our fellow citizens pressing question of how to save money on the basis of scarce resources and opportunities.Outset: ways that can not be considered fully legitimate, we do not even consider going.Of course, if you ask the question "how to save up for an apartment," for example, engaging in begging or fortune telling hand, the role models you can find a lot.Suffice it to descend into any underground passage in the center of the city and to ask the "future colleagues", as well as to negotiate with them about the recommendations.
But jokes aside, the question for many people daily.And it is more often than not in scanty earnings, and psychology.Alas, many of us theoretically know how to save money: first, savings, and secondly, to postpone a small amount, but to do it consistently and regularly, thirdly, do not spend on immediate pleasures and unnecessary things.But in practice these qualities in yourself you need to bring up.Russia has never enjoyed misers not honor and respect.Moreover, in our mentality is something that makes us live on a large scale as soon as possible, to rush from one extreme to another.We worked day and night, driven by thoughts only about how to save money, it "breaks" and indulges in unnecessary spending, spree, making broad gestures, tried to bestow benefits of the disadvantaged ...
There is another problem on the way tosystematic accumulation.This undermined confidence in the banking system of Russians and savings banks.Many in the memory of the 1998 default, when the multi-year savings of the people there was one "puff".And even these funds was very difficult to withdraw.Much more reliable foreign banks seem to us, but to open an account abroad, the strength is not for everyone.
Yet how to save money, say, with a normal salary?Firstly, the plan should be spending.There are expenses, it is absolutely necessary for survival: food, utilities.Calculate how much you are spending now for these articles.The next step - to seek opportunities to save money.For example, changing light bulbs to energy-saving, we will pay less in total on the meter.We'll have to analyze and daily habits.From the usual care, of course, it is not necessary to give up, but when dishwashing water can be saved.To do this, just do not perform this operation with the ever-open tap.First, you can soak the dirt and grease, adding cleaner.If tap water is just enough time to rinse the dishes.
The same principles can be applied to the daily menu.Simple products (cereals, meat, potatoes, eggs) themselves are not very expensive.Therefore, you can refuse from all kinds of semi-finished products, canned goods, gourmet food, ready meals.Simplify your diet - it will be healthier and cheaper.With respect to all kinds of goods should also be guided by the principle of reasonable expenses.For example, why do you need a newfangled "fancy" phone if you use just two or three functions?Or "branded" shoes, if you do not engage in professional sports?Realize that 90% of the cost that we paid for the products - the company is spending on advertising to combat the competition on the "prestige" and positioning.
determine how much you can save per month by using these methods, proceed to step three.How to save money from current earnings?Do not spend all.Postponing systematically and regularly.Of course, there may be unforeseen circumstances in which the need to reach out and break the piggy bank.But the amount that you (by your calculations) can save, should be put back on a regular basis.Piggy will not necessarily be a glass jar or a toe.You can transfer the money into a savings account or e-wallet.It is important to resist the temptation to take them out "at pleasure."It also should be taught and children.
How to save money schoolboy who has little opportunity to own earnings?First of all, try to limit expenses, such as games for mobile phone, paid SMS on sweets.With this pocket money, which give parents can be partially postponed.Second, look for the available possibilities of earnings.A teenager and a high school student could go shopping or walk the dog during the day.Let this small income, but independent.Owning a computer, you can do posting on forums with pay-per-message or learn how to make simple websites.Opportunities are always there - just the desire and the desire to use them.
