Hello, dear readers of the site! Now we will analyze all the proven methods, how to save and save money correctly with a small salary.

We all strive for a good life , and each of us would like to make our lives even better, but in most cases our finances, or rather, our small salary, do not allow us to do this.

Unfortunately, in our modern world, you need to learn not only how to earn money, but also how to save it and distribute it correctly.

Today we will look at various techniques how to save money with a small salary, how and what to do so that financial difficulties do not take you by surprise, and there are no problems with finances.

To improve your financial situation (learn to save and save money), you just need to follow the simplest rules, and then you won’t have financial problems! Remember: money comes to those who know how to handle it correctly!

So, from this article you will learn:

• Do you need to save on food, electricity, etc.;
• How to save energy;
• How to save on groceries;
• How to learn to save money and save money with a small salary - proven methods;
• How to save a decent amount;
• Folk signs about money.

For more information on how to save money with a small salary in the family, as well as how to save it, read further in the article

The first thing to remember: saving - This is not the worst thing in life, but on the contrary, a very important and necessary phenomenon in our modern life. Saving will help you competently, smart And Right control and distribute your expenses, refuse from foods and habits harmful to the body.

Very often we have, at first glance, petty, but constant expenses that seem “trifling” to us, but in fact create good holes in our budget.

To learn how to save wisely and correctly , you need patience and work on yourself. But then you will understand what unnecessary costs are, and, perhaps, you will learn how to invest profitably and make money from it. If you want to know how you can make money, then our article “” will help you.

Saving does not mean that you will have to deny yourself everything, eat bad products, and generally live poorly. Saving means distributing your funds correctly in order to avoid unnecessary costs, distribute money wisely and not spend it on trifles. Also in this article you will learn how to save money using specialist techniques.

First you need motivation, that is, the goal: why you need to save, and most importantly, how to start doing it. Perhaps you want to buy a new car or apartment?(In a separate article we already wrote about the one with a small salary). Or do you need a good renovation in your apartment?

A few steps on how to learn how to save money correctly

To understand how to start saving, you need to consider several stages.

Namely:

1. you need to divide all costs into necessary and Not good necessary, that is, the extra ones or those that can wait;
2. Next, we consider the resources for which you must pay, and these are: electricity, water, gas, communication, etc.;
3. then you need to calculate the cost of food, and also pay attention to your diet;
4. We set aside a percentage of the money saved so that it doesn’t just sit there, but also works.

Even if you try to put off some 10 % (percent) of your monthly income, then in just six months or a year you will have accumulated an impressive amount.

And we repeat the rule once again: you don’t need to perceive saving as a limitation or a bad way of life. On the contrary, it will help significantly improve your life.

Remember: you will not have to infringe on yourself, you will not go hungry, sit at home in the dark, saving light, or walk around in cast-offs. All this has nothing to do with saving!

2. Should you save on food and electricity?

Saving on food (groceries) does not mean sitting hungry, and saving on electricity does not mean sitting in the dark. All necessary expenses remain, and only unnecessary and superfluous ones are removed.

Food expenses- these are the expenses that we can influence, because it depends on our desire and our choice.

We need to figure out which stores we buy products from, what criteria we use to select these products, and in what quantities.

Usually we have extra expenses due to not correct diet, use of harmful semi-finished products, purchases not according to the list, reluctance to cook food yourself.

This also applies to electricity: If you do everything correctly, there will be no financial problems.

Ways to learn to save money on electricity

3. How to save electricity - 5 simple rules for saving on electricity 💡

let's consider 5 simple rules, thanks to which you will learn how to save energy.

Rule 1. Use electrical appliances correctly

For example, a charger for a phone or tablet, plugged into a socket for nothing, continues to waste our electricity, and we may not even pay attention to such a trifle or simply forget to unplug it from the socket. It would seem like a small thing, but our electricity is wasted.

This applies not only to mobile phones, but also to other household appliances, multicooker, microwave, TV, and so on.

This is one of the first important rules on how you can save energy.

Rule 2. It is important to use the correct cookware for the electric stove

Or more precisely, for the burner. After all, a correctly selected frying pan that is exactly the right size will heat up faster, and the stove will not just heat up the air. It's simple, isn't it? Probably every housewife has frying pans at home, both large and small. The main thing is to use them correctly! In this way you can significantly save energy.

Rule 3. You need to know where to properly place the refrigerator

Believe it or not, a refrigerator is also a “harmful” device, and it also “eats” a lot of energy if it is not installed correctly. Remember: the refrigerator will use less electricity if it is placed further away from the electric stove.

Of course, not everyone has large and spacious kitchens, but you can probably place the refrigerator so that it is at least not on the same side as the stove and does not touch it.

Rule 4. You need to load the washing machine with laundry correctly

For whole 10 – 15 Our washing machine consumes percent more electricity if it is reloaded or underloaded. Did not know? So remember! It is imperative to monitor the normal weight of your laundry! You will also be insured against damage to the washing machine in case of overload.

Rule 5. Turn off electrical appliances at night

Many electrical appliances must be unplugged at night and even during the day when you are not using them, and especially when you are not at home. It’s not so difficult: if you leave home, turn it off, why should they work in vain?

Only 5 These rules will help you save energy in your apartment. Not difficult, right?

Here are a couple more tips for saving on electricity:

• If you decide to buy yourself any household appliances, then pay attention to its energy consumption. It is clear that household appliances that use less energy are much more expensive, but believe me: in the future this amount will be recouped through savings. And how much is the overpayment per year!
• A very good and useful habit - turn off the light behind you, leaving the room. But, unfortunately, not everyone can do this and many people simply forget about it. In this case, you can purchase infrared sensors that allow you to save electricity without your participation and unnecessary movements.
• It is better to use energy-saving light bulbs than ordinary ones. It is also worth thinking about bedside lamps, because it is more economical to use them than a three-arm chandelier.
• Use a thermos It’s more profitable than boiling the kettle several times, because a thermos can retain heat for several hours.

If you follow these useful, and most importantly simple, tips and tricks, you will see the changes in your receipts, and then in your wallet.

Let's look at it in the article 10 Tips on how to save money on food:

Tip 1. Experts believe that it is necessary to choose a product not by its beautiful packaging, and the more expensive the better, but you must first become familiar with its composition. A high price does not guarantee high quality. We also pay attention to stock, discounts, And bonuses. Many supermarkets offer us such programs.

It is clear that at first glance it may seem that the difference is 5 rubles is insignificant and you won’t save much on this. But this is a mistaken opinion of most people, because if you calculate the difference even over a month, you will be pleasantly surprised. Can you imagine how much you save per year?

Tip 2. We write a list of the most necessary products and we follow it. We buy only those products that are on the list. This way you will avoid unplanned expenses. There are also all kinds of phone apps, and with them you can save not only your money, but also your time. All your information will be stored there, and you will not have to constantly think about these lists.

Tip 3. It is important to take with you as much money as you need, but no more. Then you will be able to avoid unnecessary expenses. Take a certain amount with you, calculate it so that you only have enough for the necessary products, and then you simply will have nothing to buy unplanned items. Thus, you can save significantly on products.

Tip 4. Did you know that a hungry person’s brain works differently than a well-fed one? So, in order to avoid temptations, you need to go to the store well-fed! And then you will understand that you don’t need all these “goodies” at all.

Tip 5. Try not to run to the store on payday. After all, it is on this day that a person feels richer than he actually is, and can spend much more money than he has calculated. This is where financial difficulties arise: you don’t have enough for anything, and by the end of the month you can be left without a penny of money.

Tip 6. Experts believe that It's better to pay in cash, not plastic cards. Undoubtedly, a plastic card is the most convenient way to pay for purchases, but not the most economical, because the buyer does not feel real money, and it is harder to part with it.

Tip 7. Analogue products are the best way to save! Absolutely every product has a replacement that is much cheaper than itself. The main thing is to go shopping, look and find this analogue. You need to learn not to succumb to the temptations of marketers, because they will always find a way to sell you something more expensive.

Tip 8. Remember! Expensive and beautifully packaged products will always catch your eye. It’s better to look at the lower shelves, “dig deeper” there, most likely you will find a similar product cheaper than what you saw, because expensive products will always be in sight.

Tip 9. The similar products rule also applies to other products, for example, medications. Most drugs have analogues with the same medicinal properties, often they differ only in name and manufacturer.

Tip 10. If possible, we do not take children with us to the store! Certainly, children are happiness, and sometimes you want to pamper your baby, but children are attracted to everything beautiful, and these products are often expensive. It’s better to leave the child at home and buy him, for example, a cheaper chocolate bar - the child will enjoy all the sweets, and you will avoid hysterics in the store.

We eat healthy, and most importantly not expensive!

Remember, eating healthy doesn't have to be expensive, and you don't have to go hungry to save money. On the contrary, expenses even decrease with a healthy diet.

Healthy food, For example cereals, dairy products, lean meat, cheaper than fast food. Moreover, it is not known what the pies and hot dogs in the stall around the corner or in the nearest cafe are made from. And here you cook with your own hands, and you know everything about your homemade food.

Here are some more tips for shopping for healthy foods:

1. It is more profitable to purchase products by weight rather than in original packaging. Packaged cereals and pasta, as well as sugar and flour, are much more expensive than in bulk.
2. If you buy food at the market, don't forget to haggle! And there is nothing shameful about it. It is important for sellers to sell their goods, and it is profitable for you to buy.
3. It is better to come to the market late in the evening, at this time sellers significantly reduce their prices.
4. It is better to buy meat in large pieces, and at home divide it into the parts you need. In terms of price, this meat comes out cheaper than if you bought it by the kilogram.
5. If you have lunch at work, take food with you. Let us repeat once again that you eat food prepared by yourself, which means that you automatically avoid food poisoning and save on it!
6. Try to create a menu for the week ahead - this will help you buy only the necessary products.
7. First courses are considered healthier than second courses, and even more economical and cheaper!
8. Compare prices in several stores. Don’t be lazy, each store has its own feature and its own promotions.
9. You don’t have to buy expensive meat, such as pork, because you can also cook many delicious and healthy dishes from chicken! Nowadays you can find a lot of recipes on the Internet that will suit you, and you don’t have to sit and invent your own. The main thing is not to be lazy!
10. Yogurts can be replaced with kefir and fermented baked milk. Yogurts contain all kinds of thickeners, dyes and sugars. So why not replace them with kefir, which is more gentle on the body and cheaper?
11. Pasteurized milk is much cheaper and healthier than sterilized milk. Milk in a box will last longer than milk in bags. And this is its only advantage. So is this worth paying extra for?
12. Try to give up sausage, it can be replaced with meat, it is both healthier and cheaper.
13. Buy fresh fruits and vegetables when they are in season and then freeze them. All the nutrients will remain in them, and you will save a lot, since in the winter they cost much more.

When you review your diet and follow our advice, you will see a difference even at the end of the month. And it's not just about money, but also about health. After all, all famous nutritionists and doctors remove fatty, sweet and especially fast food from their diet.

Using these simple rules will help you save significantly on groceries, maintain your budget, as well as a healthy mind and shape!

Important tips on how to save and save money

5. How to learn to save money and save money with a small salary 💰 - 15 useful tips

First, we'll look at the rules and ways to save money. And even if you have a small salary, it’s not scary!

Tip #1. Set your financial priorities

After all, you must understand that your financial budget works only exclusively for you, and your financial well-being can only depend on you.

After all, waste can be done both with benefit and without it. But how can we understand how useful our expenditure is? Let's figure it out.

Costs also greatly depend on a person’s lifestyle. For example, young people often succumb to unnecessary temptation. It is understandable that there is little life experience, but this can lead to financial mistakes. Young people who buy things for themselves often look at goods that they probably don’t need, but their friends advised them, or the advertising is beautiful, or the fashion has gone…

Expenses are divided into three types- This urgent, not urgent And not urgent at all. Try to make a list of these and those expenses for yourself, and perhaps you will understand what you absolutely do not need and what you can cross off from the list.

Urgent waste - this is understandable, food, utilities, possibly clothing and if there are loans.

Not urgent - this is a family vacation, for example, it can be postponed, or investments in studies.

Well not urgent at all we are all very familiar with it - restaurants, entertainment, buying a new phone if you still have an old one, buying expensive fashionable clothes, just because a new advertisement has come out. All this can be put aside for a while, and if you reconsider, you can not spend money on it at all.

The last point is worth paying attention to first. After all, it is important to set your life priorities and understand your goals in life.

If for you buying expensive clothes is a necessary part of life rather than, for example, getting an education and investing in your studies, then it’s unlikely that you be able to save .

And it also applies to entertainment and visiting establishments such as coffee, restaurants, because this is not the most important thing in life.

All financially successful people keep such records. After all, with a clear example, you will see what exactly is causing you holes in your budget. For example, it will be a trip to a cafe, monthly such visits eat up a considerable amount of money, and you will understand for yourself that this can be removed.

After all, when you see all the exact numbers of your budget, and not in the memorization way, you will be surprised how much you used to spend without thinking.

As the very famous speaker Anthony Robbins said: “ What cannot be measured cannot be managed " Remember this rule, and it will help you achieve your personal material success.

If you have additional income, then you need to keep records of them. After all, if there are several ways to earn additional income, then accounting will help you figure out which source of income is more profitable and which one needs to be emphasized more.

In general, now is the 21st century, and information technologies have developed various programs And applications, to keep financial records, which means you don't have to draw any tables by hand.

You just need to try several programs and choose the one that is closer to your spirit and has a more convenient interface. Let us repeat, clarity is financial literacy. Visibility will help you identify and direct your expenses and income in the right direction.

Experts have shown that up to 95 percent Russians spend much more of their money on payday. And these percentages do not relate to income level.

If you can improve your financial literacy, it will help you change your life in a radical way. And you will feel it.

To learn how to save money and save it, you need to give up loans.

To conclude this chapter, we will give you an example of how to correctly draw up a table of expenses.

6. How to save money in the family - table of 3 types of expenses 📊

Using this table, you can monitor and control your budget, and cross out unnecessary expenses. It will help you determine how to save money and save it correctly.

Table of three types of expenses:

№	Necessary and urgent expenses.	Not very urgent, minor costs.	Not very urgent, or just MONEY EATERS.
1	Food	Getting an education	Cafes, clubs, restaurants
2	Utilities (electricity, gas, water)	Buying furniture	Fast food, expensive sweets, soda
3	Payment for travel, gasoline	Purchases of digital and household appliances	Gambling
4	Mobile communications, internet	Expensive fashion items	Bad habits - fast food, alcohol, cigarettes
5	Cloth	Hobby	Unnecessary connected services on your phone

As you can see from the table, you need to pay special attention to the last column. After all, even if you cross out one point from here, you can see the result from the savings.

7. How to save money correctly 📝 - 4 ways to save money quickly

Of course, saving money is no longer so easy and simple. There is a learning curve and it will take a little effort and patience. But even the most disciplined, calculating And responsible a person has the risk of making a mistake.

let's consider most common mistakes among people, and also study adviсe And expert rules to eliminate these same errors.

If you have already started accumulating funds, then this is already good. But how to save money correctly and have you chosen the right method? And won't you fall apart in half a year? Perhaps your strategy is not as perfect as you think.

Method number 1. We put aside what remains!

So, you pay all your necessary bills, utilities, buy groceries, and send everything that remains to the bank. But notice you don't have a goal, and you don't even know what specific amount you have left after all expenses, and you throw only the leftovers there.

Try restructuring your methodology differently. When you received your salary, the very first count, you must have a savings account. Make this your golden rule.

Calculate how much you can give to the bank per month, and do it first. And if you can’t do this, well, anything can happen, for example, you don’t have time, or there are some temptations to spend your money as quickly as possible, then connect the bank to a service automatic debiting of money from your card of a certain amount to your savings account.

This way you can save money and save time. And you will forget about these troubles. And then your savings account will pleasantly surprise you.

Method number 2. Where is the money kept?

As we have already learned, a savings account is great. But it is important to know where exactly your funds are stored in a bank or on a plastic card?

After all, if the money is on the card, then there is a great temptation to spend all the accumulated funds. And this is quite convenient and easy to do, just use an ATM on the street. And even if this purchase was desired, then most likely you will regret it.

Method No. 3. Each account for a specific purpose

If you have only one savings account, then it will most likely seem to you that everything is fine and the money is accumulating quickly enough and there will be enough for all your desires. Certainly. if you are saving for only one goal, for example car or apartment, then everything is fine, this method is just for you.

But if you have several desires, then one savings account will not be enough, because you will not see concrete progress, and this complicates the calculation of your savings. It will be very difficult for you to calculate what you have already accumulated, and what else can you do? wait.

To avoid such problems and difficulties, you need to acquire several savings accounts. And let everyone the savings account will be designated for a specific purpose, For example, " per car», « for an apartment», « for education», « to the dacha" and so on. Rather, this is the correct way to save money, since each “account” has its own “purpose.”

Method number 4. Don't give up everything

There’s no need to get too hung up on postpone, postpone, postpone. There is no need to specifically give up things that bring you pleasure, because it is on such things that our “ lucky indicator" And good mood.

Of course, many, as we have already said, habits and entertainments should be given up, but this does not mean that you need to become a prude, sit from hand to mouth, not go anywhere, and even sit in the dark.

When your annual savings account runs out, you should think about more serious investments for the long term. After all, you yourself will feel the difference and want to improve your financial situation.

Tips on how to save a decent amount of money

To conclude our article, let's look at some more 15 tips How you can save money and accumulate it quickly. Some of the advice may be repeated, but you should Necessarily remember.

Of course, there is no specific set of rules and advice on how to save money correctly, but next we will consider the advice of experts who suggest using it to simplify saving and saving money.

So, tips on how to create savings to accumulate a decent amount:

Tip #1. Paying for purchases in cash

Try to pay for all your purchases and expenses only in cash. This way you will clearly feel the difference and say goodbye to the money you hold in your hands, and this is more tangible than spending invisible money stored on a plastic card.

By the way, if you buy goods through cashback services , then you can save 1-1.5% of the purchase price. We have already written about this in one of our articles.

Tip #2. Put money into your account

Every month you put a certain amount into your savings account. At the end of a certain period, a nice tidy sum will accumulate, which can be spent on a long-awaited purchase or invested in a profitable business. And as mentioned earlier, have a goal for what the funds you have accumulated will be spent on.

Try to keep your entertainment costs to a minimum. Better spend time with your family, play sports. After all, there are many useful ways to replace unnecessary expenses on entertainment in cafes and restaurants; in the end, experiment with new inexpensive recipes for dishes at home. You have good skills and your husband and children will be happy!

Tip #4. Don't fall for promotional offers

Everything that comes into your mailbox, various catalogs and advertisements, is just trying to seduce you. But don’t give in, feel free to throw everything in the trash, or better yet, unsubscribe from these useless mailings that clog your inbox.

If you have such a bad habit of buying everything, or just to buy something, then make a list of everything you want to buy. And look through it monthly, you will see whether you still need this thing, or was it just an unnecessary temptation?

If you decide that you really need this product, then buy it. But most likely your opinion will change in a month.

Try to prepare food at home and avoid snacking in restaurants. This will cost you a pretty penny. You don’t have time at work for lunch at home, and you rush to a nearby cafe for a quick snack? Think about it!

Prepare your lunch at home the night before; there are special food containers that can be heated in the microwave. This will allow you to save money on restaurants, and let’s face it, you know your home-cooked food. It's also healthier.

Try to sort your money into envelopes: “for utilities”, “for credit”, “for groceries”, “for telephone” and so on. And your expenses will always be planned.

Tip #8. Discuss upcoming expenses with your family

Discuss financial issues with your spouse every week. You should make sure that you are aware of each other's waste. And cohesion leads to success!

Distribute all expenses according to the table; see an example of such a table above. Or download the application to your mobile phone, which is much more convenient! And always with you!

Tip #10. Pay necessary bills first

First, we pay all the necessary bills, then we look at the need for other expenses.

Tip #11. Replace paid hobbies, hobbies, etc. for free

If you go to the gym or do fitness, then this hobby can be replaced with exercise and running outside in the park. Both useful and free!

Tip #12. Give gifts made by yourself

You can also save on gifts. After all, the best gift is a gift made with your own hands! You can now find a lot of ideas on the Internet.

Tip #13. Buy analogues of branded clothing

Remember, money does not buy happiness. And not in fashionable, branded expensive clothes. There are many similar things, but much cheaper than the “branded” ones. Besides, fashion comes and goes, and then things remain unnecessary.

Tip #14. Use exchange services

Try using barter. That is, exchange services and things. After all, it is much more profitable and will help you save good money!

Tip #15. Use electronic wallets

Try saving money on virtual wallets such as Qiwi, Yandex Money, WebMoney. It will take time to withdraw money from there, so you will insure yourself against unexpected and unplanned purchases.

In addition, you can earn a pretty penny on the Internet; money is also withdrawn to these electronic wallets.

9. Superstitions and signs for attracting money ☯

Folk signs about money:

• Never lend on Monday, otherwise you risk losing all your money!
• Never give money from hand to hand, it is better to put it on the table and then take it. Otherwise, a person’s negative energy can pass to you through money.
• If you are borrowing money from someone else in the evening, simply place the bills on the floor and let them pick them up. It’s better to remember that it’s better not to lend money in the evening.
• You only need to repay the debt in the morning and with small money.
• When a debt is repaid to you, keep a fig in the pocket on your left hand.
• In your wallet, keep your money carefully, unfolded and so that it is divided into different bills.
• Keep paper bills facing you.
• To prevent money from going to waste, put a piece of wood from a swallow's nest in your wallet.
• If you made a good profit, then take one bill from there and keep it in your wallet, do not spend or exchange it.
• If you decide to give a wallet to someone, then put one money in it so that the wallet is not empty.
• To keep money in the house, put a coin in each corner and say: “Let it come to my house.”
• Keep money in red envelopes or bags.
• Buy yourself a money tree and take good care of it.
• Money loves to be counted. Always count your change.
• Never spend every penny, make sure that there is always money left in your wallet.
• If you have a newborn at home, put money under his pillow.
• Count your money on Maundy Thursday.
• Try to cut your nails on Tuesday or Friday.
• Never discuss other people's material income, otherwise you won't have any of your own.
• Do not treat the rich and the poor with hatred, otherwise you yourself risk remaining in want.
• If you see that a cat is reaching out, then this is a sign of profit.
• If you saw an angry or hissing cat in a dream, then this is a sign of theft. Be careful!
• Be sure to get yourself a dog or cat at home, otherwise there will be no prosperity in the house!
• There is such a sign that a black cat or dog will protect the house from thieves.

To ensure you don't need anything in the new year:

• Celebrate the New Year in new socks and underwear. And don't forget to give yourself a new hairstyle.
• Try seven different dishes at the table and place seven coins under the chair.
• It is necessary to repay the debt before the New Year, you can even at the festive table.
• When the first chime strikes, make a wish by squeezing a coin in your left hand.
• Throw a coin into a glass of champagne and drink it. And then make a hole in this coin and wear it as a pendant.
• On the morning of January 1, wash your face with water and coins.

Superstitions that you should never do:

• Place empty bottles on the table.
• Sit down on the table.
• Place the bills on the table.
• Sweep away the trash at sunset.
• Stand on the threshold.
• Whistle while at home.
• Exchange big money for small ones.

Well, believe it or not, many people observe and follow all these signs. The signs came from our ancestors. The most important thing we can conclude is that you need to treat money carefully, carefully, don't crush them, don't talk. Don’t spend all your money, your wallet shouldn’t be empty.

10. Conclusion + video 🎥

From this article we can conclude that saving and saving money is not so difficult, because in order to improve your financial situation, you do not need to perform any grandiose feats. You just need to reconsider your attitude to finances, and to your life in general.

And remember one main thing, there shouldn’t be a crazy amount of money, in order to feel in a good financial position, there should just be enough money.

Good and stable financial situation- these are not millions of dollars in earnings; every person and every family can have a good financial situation, even with the smallest salary. The main thing is to manage your finances correctly. When you yourself understand your income and expenses, you will understand everything yourself.

As a clear example, you will see how much you spend per month, what is unnecessary in your life and what you need to give up. This is not all that difficult, the main thing is to manage your life correctly, not to accumulate loans, and if this has already happened, then get rid of them as quickly as possible. Then not only your financial situation will change, but also a healthy spirit will awaken, you will be in a great mood every day, since you will forget about at least half of your financial problems.

Let's hope that all these tips will be remembered by you, and most importantly, will be useful. After all, as you already understood, saving– this is not the worst thing, but rather, on the contrary, a useful one that will make your financial and personal life easier and better!

We hope that this article helped you find answers to your questions - how to learn to save money with a small salary and at the same time accumulate it. We wish you successful savings and good luck in all your endeavors!

There is a joke that in our country the only thing that is stable is wages. Everything becomes more expensive, prices rise, but wages remain at the same level. And it is not always possible to earn more income. Some people fail to be in the right place at the right time to do this, while others lack education.

In this article you will learn how to learn to save money. The working methods given below will help you start saving for an important and cherished purchase as soon as possible.

The given method involves working on yourself in two stages. Each of them is important and must be completed.

How to learn to save and save money?

First of all, remember the following two steps to follow:

• save;
• save up.

We pass the first stage

In order to understand how best to save money and save money, you first need to track your expenses.

It will be enough to simply keep a notebook in which to write down your expenses for the month. For convenience, you can create a spreadsheet - this will make it faster and easier to sort all expenses into categories at the end of the month.

If there is an acute problem with money, then the best thing is to stop eating unhealthy foods. These include sweets, candies, chips, crackers, Coca-Cola, products from McDonald's, etc. This list can go on for a long time.

Let's give up bad habits

In times of saving, anything that is harmful to health is clearly not what you should spend your money on. Despite the fact that smoking is officially recognized as a dangerous activity, due to which the lungs and throat suffer and malignant tumors are possible, there are no fewer smokers.

Alcoholic drinks will also not save your budget. In addition to the fact that alcohol destroys brain cells, it can suck the last money out of your pocket. After all, how nice it is to get together with friends in the evening and have a heart-to-heart talk over a glass.

If you give up alcoholic drinks altogether, you will feel how much more money you will have in your wallet. This is not to mention the gratitude from the body that you will receive in the form of improved health.

How to learn to save and save money? Give up all bad habits and don’t waste your time and money on them.

Communication expenses

Every month we top up our mobile phone account and also pay for the services of our Internet provider.

And it would seem that this is not a lot of money, but every month it still places a burden on people. Here you can save money by switching to a more optimal tariff.

For example, if you use the Internet only to read news and watch short videos, then a speed of 100 megabits per second is absolutely not needed. It is enough to switch to the cheapest service package with a speed of 1-5 megabits.

When it comes to the services of a mobile operator, the saving lies in not making expensive calls: to numbers of expensive operators, abroad, while roaming.

Also, if you have free minutes, SMS, MMS, then try not to go beyond the allocated limit, otherwise you will incur additional costs.

while shopping?

While exploring the question of how to learn to save and save money, let’s look at the purchases we make. Everything here is quite easy, you just need to follow some rules. It's no secret that clothes that are sold out of season are put on shelves at a large discount (often about 50%). We need to use this knowledge.

That is, in the summer you need to buy winter things, and in the winter - summer things. Thanks to this you can save a lot of money.

Another good tip on how to learn to save money and save money is that you don’t need to be fooled by advertising. They don't always tell the truth there.

You can give a funny example: on TV they often say: “Our dog food has become even tastier!” And who tests the food and says that this particular one tastes better? Do people or dogs tell it themselves? You should always be skeptical about advertising.

The situation is similar with medications. Of course, there are imported products that have no analogues within the country. But there are also those that are no worse than imported ones. They have the same active ingredient, but for some reason advertising makes people buy more expensive ones because they think it’s more reliable.

Let's have fun wisely

But this will only be correct if there is a catastrophic lack of money. In other situations, you can simply reconsider the types of entertainment you have and bet on cheaper ones.

For example, instead of a disco, you can have a party at home with friends - you don’t have to pay for tickets, and a kitchen with drinks is much cheaper.

We reduce other expenses

Absolutely all waste cannot be classified into certain categories. Very often in life there are situations when you need some little thing right now. In such situations, it is important to simply remember that those 50-100 rubles that you spend can be useful to you in more important matters.

So, we looked at ways on how you can reduce your expenses. Let's move on to a review of some ways to save money that will help you save for your dream.

The main thing is to set yourself a clear task and set deadlines for its completion, based on your income. Naturally, a person will not be able to save up for a new Rolls Royce if his salary is 40 thousand rubles. per month. Therefore, you need to soberly assess your capabilities.

Let's figure out how to learn to save money on a modest income. To do this, you need to understand how much you can save monthly by following the methods described above. Then roughly calculate the amount of money you are willing to spend on the purchase or trip you have planned and divide it by the amount of monthly savings.

As a result, you will know how much you need to save to achieve your goal. Disappointing with the result? There are two ways out of this situation - either start saving more actively, or look for additional sources of income.

Also, don’t put money under your pillow. If you are looking for an answer to the question of how to learn to save money on a modest income, then open a deposit account at a bank. Its validity period should be the same as the time you planned to achieve the goal.

Moreover, the further this bank is from you, the better. Open not even in one bank, but in several, which are located in different parts of the city. This can be done for those who notice that they have a particularly strong desire to spend the accumulated funds immediately. The reluctance to wander around the city and human laziness will simply discourage the desire to spend money that has been accumulated over several months.

Don't have time to replenish your own deposit? Activate the contractual write-off service from your salary card. It is very convenient to activate the automatic debiting service. You can choose a percentage, set an amount, or allow the bank to automatically round up rubles in the account to ten times. Yes, in the 21st century this is not possible.

And so gradually and not significantly for your pocket, the money will be transferred to the deposit. It’s also convenient because the bank will also pay you for this in the form of deposit interest. Of course, you won’t be able to make money on them, but it is quite possible to reduce the impact of inflation on your own savings.

The material above will help you learn how to learn to save money and save money. The program is effective; all you need is desire and willpower.

Unfortunately, saving is not cycling, and the “once learned, never forgotten” principle does not apply here. Saving money is a long process that acquires personal life hacks and traditions that make the general rules more effective.

Saving is a habit.

And it is formed in 21 days. This period is divided into several important stages:

1. The first day - you started to act.
2. Day two - you completed the task again.
3. Seven days - you haven’t deviated from your plan even on the weekend, which seems to have been created to give yourself a break from all your obligations.
4. 21 days - the habit is consolidated and becomes conscious.

Lifehacker offers seven simple but working rules that simply need to be made a habit - one for every day. Try them for a week to understand the basic principles of saving money. If you like it, repeat the tasks for another two weeks to consolidate the results.

Saving is not necessarily boring and tedious if you perceive it as a game in which you get coins for winning, and not virtual ones.

Day 1. Expenses

It would be reasonable to compare the savings with a diet whose goal is... In order for the scale arrow to swing to the right, you need to consume more calories than you burn. Accordingly, in order for the amount of money to increase due to savings, you need to spend less than you receive. Moreover, it is important to know what exactly they are spent on.

If you don't keep track of your expenses, you don't know how much you spend and on what exactly.

Even if you live exactly according to your income and therefore know approximately the amount you spend, the cost structure may unpleasantly surprise you. Therefore, you should start introducing the habit of saving by recording all expenses.

Exercise

Install on your phone. Lifehacker wrote about the best of them - just choose the one that suits you. During the day, write down every ruble spent in it.

Do not throw away receipts in stores, but put them in a special pocket of your bag. Then it will be easy to reconstruct the spending picture using them.

Day 2. Income

A very simple question: how much money do you have right now? Taking into account the funds on the card, savings, a scattering of eurocents that were left after the trip, stash for a rainy day in a box, in your pockets, coins that rolled under the sofa?

If you know the exact answer, you are a savings guru. And you are reading this text just to once again see how cool you are in everything related to finance. Well, or you have 437 rubles left in your pocket before your salary, and therefore it was easy to calculate. But usually a person can answer this question very approximately, and this is fundamentally wrong.

The saying that money loves counting did not come out of nowhere, and there is not an ounce of superstition in it - only practical insight.

You can plan expenses as much as you like, but this will only be effective if you know everything about your income and the state of your accounts. Therefore, you must have information about your money not only in cases where there is practically no money left and you need to survive at any cost.

Exercise

First, record all your income. Cash gifts for birthdays, envelopes from grandmother - all these are receipts that must be taken into account.

If your salary consists of a salary and a floating bonus, you are a freelancer, the organization pays an additional thirteenth salary or quarterly bonuses, it is important for you to understand your average monthly income. Collect all your payments for the last year and figure out how much you can expect to receive every 30 days on average. Look at what month and what was the maximum income, what contributed to this. When and what was the minimum income: why, whether this situation will happen again and whether this amount is enough to live on.

Information about movements of funds in accounts and correspondence with customers in instant messengers will help freelancers remember everything.

After this, remember all your money, even those lying in the pockets of your winter jackets. Finally, figure out how much total funds you have available.

By the way, it is better to immediately send everything that was found in unexpected places to. You didn’t know anything about this money anyway and didn’t count on it, so parting with it will be painless.

Day 3. Motivation

If you make saving a goal, you will quickly get bored with the process. Do you limit yourself in various pleasant things, spend time trying to sort out your finances, and what do you get in return? It's time to use saving as a means and think about what goals it will help achieve.

What do you want to achieve financially? For some, the goal will be to live until payday without debt. Someone needs to accumulate a cushion for changing jobs or moving. And someone sets themselves something like buying a car.

There are no miracles: you won’t be able to save money on an expensive car or apartment in the center of Moscow.

But what you have accumulated, for example, can be the start for opening your own business - in this case it is not at all necessary to have millions. And already the income from the business will make your dream come true.

Exercise

Decide on your financial goals. Be guided by rational arguments, but do not force yourself into rigid boundaries. You yourself can give up on your desires because you are afraid to think too globally.

Once the goal is clear, decide on a long-term strategy. How much money do you need? And is it possible to get them simply by cutting costs? If not, decide what needs to be done to make the dream a reality.

If you take the issue seriously, bitter discoveries may await you that will force you to reconsider your life.

Or they won't force you. But a long-term strategy is in any case a good thing and helps set guidelines.

At the same time, defining a financial goal once and for all is wrong. Return to it periodically, count the money, reconsider your options, weigh the relevance of your desires. This is a good habit not only for the financial sphere: the sooner you realize that you are doing something wrong, the easier it will be to change everything.

Day 4. Finding ways to save money

To save money, it is not enough to give up some purchase today. In this matter you need to think systematically. So, if you buy a new game for 1,000 rubles, it won’t hit your pocket as hard as chocolates for 50 rubles that you buy every day. You will spend 1,500 rubles on sweets in a month, and already 18 thousand in a year.

Looking for ways to save money involves two steps:

1. Work with costly habits that drain money from you: going to a business lunch instead of bringing lunch from home, smoking. Just counting how much money is wasted is a great motivator.
2. Eliminate unnecessary background expenses. For example, you pay monthly for your home phone because you are too lazy to go and turn it off. Or your Internet tariff is not the most profitable with mediocre speed. Or from the tap constantly, taking your money down the drain.

Exercise

Think, remember, analyze which expense items can be reduced or eliminated. To start, start with one bad financial habit and one background expense and add new ones each subsequent week. At the end of the 21-day challenge, this will already be three habits and three background expenses, not bad, right?

Day 5. Lists

As you already understand, saving and planning are inextricably linked. Therefore, you need to learn to make plans for the future and, of course, make lists and schedules.

The most obvious one is the shopping list. Firstly, this way you won’t forget to buy something you need in a hypermarket with reasonable prices, so that you don’t have to buy it at exorbitant prices later in a store near your home. Secondly, with such a list it is easier not to buy unnecessary things.

Another example is a financial calendar in which you set reminders when to pay for a loan so that there are no fines, make a loan payment, and so on.

Lists are individual, so just follow your own rules. If in some situation you say to yourself: “It’s better to remember or write this down,” then this can be the beginning of a full-fledged action plan.

Exercise

Start with two lists - and a shopping list.

Think carefully about all meals and snacks. At the same time, focus on your preferences and the possibility of cooking during the week. For example, you won't have time in the evenings. This means that on Sunday you either need to prepare food for the whole week, or make semi-finished products so that they only need to be heated. At the same time, you are ready to eat some dishes for years, while others get boring after a day. It’s logical to add the first ones to the menu.

On your shopping list, add products that you need to prepare meals from the menu and that you don’t have at home. Inspect the shelves in the kitchen and bathroom. You may find that you need to add something else to the list.

Get into the habit of immediately adding products and supplies that are running low to your shopping list.

In the future, it is worth considering what other lists could reduce the financial burden. This could be, for example, an application with photographs of clothes, so that in a store you can quickly understand that you don’t need the seventh white shirt.

Day 6: Budgeting

It is no coincidence that organizations plan a budget in which all expenses and income are included. This, in particular, helps to avoid difficult situations. So, on the second day of the challenge, you marked the periods with the highest and lowest income. If in the second case it was a really small amount, you may have thought: “Eh, I wish I could move some of the income from the “fat” month to the unprofitable one...”

The beauty of a budget is that it makes it possible.

Let's say you are a freelancer who works on a piecework basis. Dangerous months for you are January and May, because they have a lot of weekends. Accordingly, in February and June finances will sing romances. But with a budget, you take this into account and go through unprofitable months without problems. Another example: you only have enough money for vital expenses, and the need to pay a tax of 10 thousand unsettles you. But you have planned your budget and set aside a little less than 1,000 rubles each month in advance. This is less painful than spending a significant amount of your monthly salary all at once.

In short, a budget is a very useful financial document, and everyone needs it.

Exercise

You have just begun to get acquainted with your finances, so it will be difficult to create a full-fledged budget for now. Start with a layout. Try to remember all your expenses and compare them with your income.

With a ready-made layout, it will be much easier for you to improve your budget and make changes to it in the future, because the global goal is to make this a habit.

Day 7. Date with money

If you hope to have a long-term relationship with money, you will have to arrange regular dates with it. Schedule in your weekly schedule the day and hour you will devote to finances.

Ideally, you should do the following at this time:

1. Check that all expenses are recorded correctly and sort out receipts.
2. Analyze expenses. Find out which of them were necessary, which were spontaneous, and which arose due to an oversight (forgot a bottle of water at home, had to buy a new one).
3. Record weekly income, if any.
4. Start a new shopping list for the week.
5. Calculate your weekly savings, set aside this money or transfer it to a savings account.
6. Make adjustments to the budget.

Over time, there will be more things to do for a financial date, but you will complete them faster - this is the magical power of habit.

Exercise

If you last a week, an important milestone has been passed. Your smartphone stores records of all your expenses, and now is the time to analyze them.

Don't flatter yourself: most likely, everything will be fine with them. People at the beginning of their journey are extremely disciplined.

However, these almost ideal expense items will already tell you a lot. Analyze your expenses and think about how to adjust them in the future.

This will be enough for the first week, but later add new financial tasks to the list.

The following days. Developing a Habit

Repeat the starting week twice more with new conditions. Or better yet, three times, because a month will provide more comprehensive data about your finances. And you will notice that saving is much easier for you.

Hello, dear readers of the site. The ability to save money brings satisfaction from the process. Savings grow, and your soul becomes calmer. Loans drive you into the psychological trap of having to repay. Therefore, experienced economists use finances rationally and live comfortably. Today, there are several hundred effective ways to save and save money even with small earnings.

At the first stage, try to load into your head the idea that there is already money and its quantity will certainly grow. Next, start earning money. Choose an activity you like.

Graphic budgeting will help you start saving wisely. Regularly analyze your income and expenses, learn to invest in your own development.

The economists' recipe is simple: “We minimize expenses – we optimize income.”

Cost accounting method

Stage No. 1. Preparation

Take a pen and an A4 sheet of paper. Write the phrase in capital letters “from this day on I start saving”. The date must be written down as a specific number. It is advisable to place the sheet in the most visible place in your home. On the back, it is recommended to list rewards and punishments for maintaining financial discipline.

Stage No. 2. Budget development

Accounting tools can be specialized programs or a regular notepad.

Decide on expense items:

• communal payments;
• travel;
• cloth;
• payment of bills and loans;
• maintenance of apartment, car;
• payment for courses, training;
• medical expenses;
• entertainment;
• expenses for children and relatives;
• body care expenses.

Minimizing costs allows you to save even on food.

What are the main aspects of competent distribution of finances for food? Often, families shop in supermarkets, where marketers arrange products for maximum sales.

Consumers actively fall for these tricks. As a result, food that is not always healthy for the stomach is purchased, or some of the purchases are automatically sent to the trash bin. The reason is simple – expiration date.

That's why discipline when buying food no less important than investing money in a bank or choosing a business partner in business.

There are no small things in nature, and parts are often the basic fastenings for a powerful mechanism. Buy food from experienced retail outlets. In this matter, look for a balance between price and quality. Free yourself from shopping for entertainment products.

Here's an unexpected lifehack: “Food is measured in calories and nutrients”.

When the consumer evaluates only taste, he makes a mistake. Manufacturer marketers attract people to their products by any means. They add unnatural flavors and additives to the composition, which actually cause addiction in humans. One breath of this smell again and the client, like Rocky from the cartoon “Chip and Dale,” runs to the cash register and shouts: “Cheese.”

No one is demanding that you exclude foods that you love from your diet. But you should be aware that they belong to the entertainment section, not food. The emphasis should be on cereals, vegetables, fruits, and dairy products. Carefully monitor the expiration date and optimal quantity of purchased gastronomic goods.

Can break down food groups according to the following characteristics:

• for breakfast, lunch or dinner;
• by time of year;
• first, second and third necessity;
• for adults, children, elderly people;
• in terms of calories and vitamins.

Buying food for a special event, while going to a restaurant, cafe or cinema with pizza, popcorn is not an expense in this article.

Therefore, they should be included in the entertainment column. It is recommended to conduct cost analysis on the last day of the month, and keep records daily. Over time, counting will become automatic and will be carried out subconsciously.

Communal payments And strictly necessary accounts(Internet, telephone, tuition fees) are made Firstly.

Ideally, they should make up no more than 25% of expenses. It is also advisable to spend no more than 25% of your budget on food. All other expense items also amount to around 25% for experienced economists. The remaining quarter is divided into two parts - investment in yourself, or unexpected costs - 15% and 10% - savings.

The following are perfectly removed from expenses:

• cable television, newspapers and magazines;
• cigarettes, alcohol;
• gadgets, digital devices;
• Taxi;
• delivery;
• entertainment (cinema, theater, cafes, restaurants, gambling, sex, etc.);
• gifts, loans.

Saving wisely on food allows you, according to statistics, to become twice as prosperous and healthier. Use logic and experiment wisely.

Determining the economic goal

It’s difficult to save when you don’t understand why these massive restrictions are imposed. Choose long-term goal for the development of family and personality. Experts give advice on financial growth, but they forget that a person is motivated by self-interest.

Example goal! For example, “I want to make money from tennis, play it and train children.” An excellent option: we save for a personal tennis court, the formation of a team of professionals, infrastructure and other costs for this object of interest.

In the future, the purpose for which savings are made can generate income. This is not a mandatory factor. The indirect goal is more important than the general one.

Housewives often raise several strong personalities at once. Among them is the head of the family - the spouse, as well as children who are able to provide for their relatives in the future. Therefore, saving money is not for the sake of saving. Finance is invested specifically in education, quality recreation, and the purchase of real estate.

The end justifies the means, but does not deprive a person of freedom. Be sure to save for travel and major purchases that will allow you to reach a new level.

From saving on small things comes a huge step towards a brighter future. Do it today - give up spending on bad habits and useless acquisitions.

To reduce utility bills, install meters, but first calculate the benefits.

Try rational use electricity, hot and cold water.

In any matter related to the financial component, study the legislation, regulations and carry out the calculations yourself.

Ideally, you can save on utility bills up to 100% of costs every month for the first months. When the process is optimized, it is realistic to keep the percentage at 10-20% per period.

Do not forget that the costs of maintaining an apartment include bills for specialists, replacement and repair of equipment, as well as the operation of additional devices. For these cases, it is necessary to budget for unforeseen expenses.

Are you constantly running out of money on your mobile phone?

Change rate and spend time analyzing the situation. Ideally purchase service packages to use your smartphone without restrictions, but pay a certain amount.

The phone must work like a car. It is able to bring additional income to the family, rather than increase expenses. In this direction it is better to use the Internet, and even television. It is advisable to watch educational and useful programs.

Housewives don't buy expensive food, ignored unhealthy carbonated drinks, cold cuts, snacks.

Bachelors in this regard are able to “spend” all their income on food, but the wife is able to force herself and her husband to give up gluttony in his favor. Years later, they thank their beloved wife for such careful control. The husband, in turn, reminds his wife that quality food does not come cheap.

Create a menu for the whole week, prepare the meat for frying, distribute the side dish. Don't forget to buy baking soda, flour, and eggs for cooking.

If you don't know how to bake your own bread, then appoint a family member to be responsible for getting it on the table every day. Immediately give him money for a month or at least a week, and then monitor the completion of the task. Families often lose their budget over bread.

Optimize your spending when raising a son, but don't save money on my daughter.

From childhood, a girl should be ready for a prosperous and happy life in the circle of a responsible family.

With small children, costs increase, but they also help to save in these matters specialized women's forums. Just don’t sit in them for hours, choose useful information and instantly put the postulates into practice.

Savings start with disciplines.

Try to deny yourself something frankly unhealthy. Be careful when spending. Keep money in several accounts so that if one of the flanks fails, the general goal does not suffer.

In 2019, it is easy to analyze the status of accounts using financial instruments on bank websites. It is easier for owners of a mobile bank to install specialized application, which will allow you to literally distribute expenses from personal cards by day.

A housewife has free time to learn financial literacy.

During leisure time read specialized books, not mindless soap operas and detective stories.

Learn from your mistakes, then you won’t have to collect money from your neighbors. Correct shortcomings during the current period. Cover expense items that exceeded the plan with additional income.

Basic housewife rules that will allow you to plan your budget wisely:

• buy as many products as you can eat before the expiration date;
• save on quantity, but not on quality;
• help your husband replenish his income;
• respond to logical sales, but not to marketing gimmicks;
• plan and analyze, but without fanaticism;
• buy in bulk;
• buy food when you are full;
• treat household items and clothing with care;
• Don’t forget about relaxation, hobbies and learning.

An ordinary housewife with a small salary, with the help of her husband’s average income, manages to save a reasonable amount of money each month. When one person works in a family, this is a little more difficult.

The method of accounting for expenses and income normalizes relationships in couples. During the crisis, many people liked experiments with saving money, and now a rational attitude to finance is actively practiced by society.

Don't count for huge savings in the very first months of conscious saving.

Experienced housewives are able to squeeze the most out of this process.

Recommendations from an experienced lady are given in the next section. They will teach saving at a higher level, join our conversation and write down the main points. Each conscious day will bring you closer to the highest mastery in the field of savings and financial literacy.

How to save a family budget: the practice of an experienced housewife

Efficient saving the family budget begins with the formation of a group of like-minded people.

Even its junior members are required to keep abreast of current challenges. At the family council, it is necessary to inform everyone that their whims will be carefully analyzed before implementation. You can spontaneously spend only the money set aside for entertainment.

Before visiting the supermarket An experienced housewife makes a detailed list of products and goes beyond it by no more than one or two points. This occurs in the form of an experiment to compare the quality or ratio of price and composition of a food product. She has a group of friends, and it is profitable to buy in bulk with them.

A man also has the right to assume the responsibilities of the head of the family’s financial holding, if he has time for this.

All members of a family are capable of saving money wisely, but a process in which there is a leader with specific rights and responsibilities.

He makes sure that people don’t go to the supermarket hungry and monitors profitable options with discounts.

An experienced housewife will not allow her husband to take out a loan with a high interest rate. She knows where you can save money, where you can really make money, and also analyzes the relationship between income and expenses.

Main ways to save:

1. the presence of family advice on any major acquisition or job search;
2. turning a family member's hobby into income;
3. selling things online;
4. Additional income;
5. optimization of basic expenses.

To more clearly examine the comparison of income and expenses, let’s present an example of analysis in practice.

Regular table experienced housewife:

Income	Expenses
Wage	Communal payments
Part time job	Food
Hobby Monetization	Cloth
Selling things	Payment for services
Interest on bank deposit	Fare

The number of lines and items of income and expenses are individual in nature.

Important so that reasonable savings allow the opportunity to be realized leave 10-15% from the income portion at the end of the month.

Then these funds will form a kind of reserve fund or form a budget for the acquisition of a general purpose. Every family has an idea or mission; after its implementation, it is easier to endure restrictions or deprivations at the next stage of saving.

Household appliances, products, training, medicine

Appliances

Considerable money is spent on purchasing household appliances.

Observe rules ten prospective sellers.

Compare prices on Aliexpress, MVideo, Eldorado, then in stores near your home. Look for options with unpromoted brands on the Internet, contact Second Hand, Avito, Yula. After analyzing the cost, read reviews about quality. As a result, at a family council, make a purchasing decision.

Products

Buy fish, chicken and meat based on how the food was frozen. It often happens that ice can make up at least a third of the weight of the product ready for cooking.

Pay close attention to best before date.

You can take a risk and buy food with a minimum period before it expires, but subject to instant consumption and an excellent discount on the product.

We have already talked about food, but let’s turn to its participation in our business life. At lunch, it is best to eat your own food, brought from home in containers.

If this is not possible, then it is profitable to eat in a cafe with competitive prices for lunch, while having breakfast and dinner with your family. Preparing one dish for all family members is always more profitable than feeding everyone separately.

Education

In the end, it’s possible to save on products, but how to limit yourself when studying.

There are quite a lot on the Internet free courses, high-quality e-books. There are active interest groups, so it’s not difficult to find advanced training courses for little money, but of an excellent level.

The 21st century reveals great prospects for purposeful people, and lazy and insecure citizens “get” an extra “penny”.

Medicine

In order to distribute the costs of medical services correctly, it is worth understanding several general bases.

Urgent and unique health problems are treated abroad or in private clinics.

Everything else is easy with the participation of experienced doctors at free clinics who work after presenting the insurance policy. Even ordinary hospitals are already introducing electronic recording. It is easy to find reviews and testimonials for most specialists on the Internet.

Methodology and system

From experienced housewives austerity included only in case of insufficient income.

Therefore, a woman actively participates in finding work for family members, and also selects places for part-time work.

Often the accumulation regime is aimed at implementation the most talented relative. In this case, the risk must also be justified. Not every athlete or artist becomes a world-class star.

If a spouse who is experienced in successfully saving money has a plan to increase income and minimize expenses, she presents it to family council. After the approval of the elders and the readiness of the younger ones for active action, a list of activities and tasks is developed for each family member. Control is exercised by the person responsible for the financial component.

Let's consider basic money saving methods in the 21st century.

Method 1. Do not purchase products from well-known brands, brands, companies

The reason for the high cost of their goods is banal. They spend huge amounts of money on advertising, but a quality product does not require this. It diverges massively due to "word of mouth", but you shouldn’t trust him without checking.

Method 2: Try to buy medium and small items in cash

The brain does not perceive electronic money, a person takes them for points or points.

When he says goodbye to real pieces of paper, he realizes the difficulty of earning them. At a minimum, it is important to study the receipt after going to the supermarket and compare the expected expenses with the actual loss of money.

Method 3. Monitor commissions for transfers and payments

When transferring between bank accounts or using electronic wallets commission eats up to 20% of earnings.

The main task – minimize this expense item, without wasting time, and also avoiding the risk of losing money.

When shopping, it is realistic to use companies where the system for purchasing goods provides for no commission, but prescribes the function of returning part of the money. This term is called - cashback. But do not react to its presence; often discounts, cashback, and promotions benefit only sellers.

Method 4. It is advisable to understand online stores

The time of favorable prices in online stores is gradually receding, but the quality of goods and service is increasing. The buyer receives the necessary products without leaving home. It saves time, effort, and nerves.

In this case it is necessary to be confident in the online store, so you first need to test it on small purchases, study reviews from real customers, and make a few calls to the hotline.

Method 5. Strengthen your communication skills

Try communicate with sellers On the market.

They easily make concessions early in the morning, especially to the very first buyer. In the evening, it is also possible to get a substantial discount, because it is more profitable to sell the remaining goods than to return them to the warehouse.

Communicate with your neighbors. They are able to rent out the necessary thing, which would cost tens of times more in the store. Neighbors know new profitable retail outlets, they can tell you about the release of high-quality products from an unknown brand.

A few more tips from an experienced housewife:

• try to solve problems yourself - car, clothes, apartment (repair);
• learn planning and control;
• organize the process of earning money within the family responsibly;
• motivate each family member with “carrot and stick”;
• keep your concentration and attention on your overall goals.

There are several proven methods on how to save money and remain a happy person. Just a couple of months of practice and you automatically have much more money left in your account than before.

Start with the definition goals for saving money.

Money is often an attribute on the path to its realization. Remember that the scheme: "Money for money's sake" does not work.

When a person dreams of receiving a certain amount of money, but does not know what exactly it is needed for, then after receiving spends all finances thoughtlessly and is capable of creating more problems than getting satisfaction from realizing an imaginary dream.

It won't be possible to suddenly start saving money either. it's important to make a plan and break it down into stages, tasks, and activities.

In just a week you will have to accept the fact of giving up most unnecessary purchases, otherwise the accumulation will come to an end.

If you do not dare to give up entertainment, such as a bookmaker’s office, then you can decide “on the shore” to invest no more than 10% of your monthly income in a hobby, and immediately put the winnings into a reserve fund. It is advisable not to be distracted by gambling, but to constantly develop additional skills.

Wherein come up with some incentives for yourself after successfully achieving accumulation targets.

If you have saved more than 10% of the money from your income, then feel free to go to a cafe, sauna, cinema, swimming pool, or save your profit for a summer vacation in a foreign country. It is recommended not to spend the reserve fund, because life can present unpleasant surprises that require immediate investment.

First of all, give up bad habits, they take a lot of energy and money.

Secondly, minimize the amount of finance on the bank card that you use daily for purchases and do not carry a lot of cash in your wallet. Pay your essential bills immediately after receiving your main income.

Try not to spread the word that you are actively saving money.

Methods "plus 50" and "50-30-20"

The “plus 50” method

It’s easy to find an effective savings method proven by many on the Internet. It's quite simple. Do it disciplinedly for a year and save 60 thousand rubles, euros, dollars: depending on what currency you prefer to save in.

Using the popular “plus 50” method, a person develops the necessary qualities for successful savings. Discipline, responsibility, awareness, attentiveness and curiosity are an incomplete list of “pumped up” skills for a novice economist.

Here's how simple the table of progressive steps of this method looks like:

Set aside each new period 50 rubles, euros, dollars more than in the previous week.

Ideally, it would be correct to add a third column to the table, which indicates the amount that has already been accumulated. It is not recommended to pay close attention to it, so as not to decide to throw money away at the end of two weeks or a month; discipline is important here. Ask the most responsible person in the family to monitor your implementation of this method.

Principle of the technique is gradually getting used to it to the accumulation mode.

Little by little, a person psychologically gets used to the need to save part of his finances by the end of the week. After a year, it is better to replace the “plus 50” method with the “plus 100” system.

Reviews from people who practice these methods of saving are amazing: “I bought a clipper to cut my own hair”, “I gave up toilet paper, I wash myself in the shower”, “I have dinner at tastings in the supermarket”, “I moved in with my parents - I earn money by renting my own apartment and help them at the dacha, there will be a great harvest in the fall - I’ll save on buying vegetables and fruits.”

Method "50-30-20"

Another reliable method of saving so that a significant part of the income remains in the piggy bank, "50-30-20" method. First, reach a stable level of income, and then begin to implement this method in life.

Principle! Share the common family income for three baskets: 50% – essential expenses, 30% – desired purchases, but unnecessary expenses, 20% – storage part.

Human psychology lies in the desire to spend everything at once, but in the end only 30% of the monthly income is left on hand. After all, it is advisable to pay the primary expenses immediately, and it is also effective to put the savings part into the reserve fund immediately and lock it.

The technique is similar to saving according to the plus 50 system, only in this case a person learns to live on 30% of his income.

Is it worth saving?

The question arises whether it is worth saving in the absence of decent wages.

Often, precisely ability to save little money motivated a person to earn more.

As a result, the training was carried out using part of the funds from the reserve fund, which it is logical to empty by half at the end of the year, when the matter is worthy of its expenses. Any system, strategy or tactic is useful to a person, because it teaches him discipline.

The “plus 50” and “50-30-20” principles look a little harsh, but there are simpler recommendations.

Why work on reducing costs when it is more appropriate increase your income.

Stop watching TV and relax actively. Choose to fill your free time by developing new skills, gaining fresh emotions, and monetizing your hobbies. Control income and expenses in Sberbank online.

Arrange competition among family members,“Whoever accumulates 10 thousand rubles faster”, while dividing the income equally among all adult representatives of the social unit.

Today, technology allows you to intelligently automate savings processes; there are applications that will teach you how to save from scratch. They are based on automatic payments using a special card or savings account.

Successful life of a frugal person

Now we know how to teach ourselves to save money and save for a happy future. But most people who limit themselves to something look unhappy.

Try to break the energy of addiction in the subconscious. In fact, saving takes a person to a new standard of living. First, decide where to save your money. 2019 opens up thousands of assets for savings.

Important! Saving money under your pillow at home is not always effective, inflation is eating up finances no worse than a vacuum cleaner.

Therefore, we invest the savings part in jewelry products, gold, real estate, shares of trusted companies, securities. It is not difficult to open a personal business, but it is advisable to minimize risks if the startup is not “tested.” A bank deposit is the easiest way to save.

It is important to decide which bank card is better to save money on. This is definitely not a credit card, but not all debit cards will do.

The benefits are not always easy to calculate; even experienced financiers did not expect the dollar to almost double 5 years ago. A foreign currency account then allowed me to accumulate plus 80% of my income without restrictions, only through a competent choice of account, albeit with a much lower percentage.

Personal experience suggests what will be most profitable salary card with monthly replenishment in the form of an advance or an official part of the income.

Moreover, you don’t need to keep track of its balance; just decide that this money can only be taken for a major undertaking (vacation, education, family events).

When a person knows what he is spending his money on, he becomes happy. Any high-quality procedure cannot stand the words “quick” and “easy”.

Make it a rule – it will be so difficult at the first stage that tears will flow from your eyes.

Then in a few months you will not have a question - why did you do this, when the accumulated money will help you gain freedom from loans for a large purchase.

There are no more terms “I want”, “I need” or “I can’t”. Learn, experiment and analyze. It is better to spend one year effectively constructing a quality building than to constantly live in fear that the house will collapse and fall apart.

Unforeseen circumstances are not scary for those who save and save money; they give them a chance to break away a few steps ahead from those who live haphazardly.

Saving methods include the nuances of budgeting:

• arrange everything at home according to the Feng Shui system; this will add confidence in success;
• listen to wealth mantras and read affirmations;
• decide in what currency you will save;
• set priorities, take steps back, but only thoughtfully;
• invest profitably;
• help businessmen or start your own business;
• make important financial decisions while traveling;
• keep money in rubles, euros, dollars;
• Don't be unemployed for more than two weeks.

When you hear the splash of financial success in the eggplant, the mobile application makes automatic deductions for yourself for a comfortable future life, and your mood improves.

Not all poor people eat poorly; there are absolutely healthy people among them. The only reason is the ability to give up wealth mentally, but at the same time strive for it in small steps.

Important! The final stage of saving money is to force yourself spend these funds.

A person often goes to extremes; at first he does not want to save in principle, and then all he does is save and multiply. The habit of saving becomes a real burden, and happiness bypasses these characters.

How to learn to save money on a modest income

To save money even with a small salary, you should set yourself target further use the accumulated amount to increase income.

Let it be advanced courses or training in another specialty. If you do not want to develop in business terms, then you can save up for a vacation or a small adventure.

Bachelors spend this saved portion on a wedding and after a couple of years they already find the strength to increase their income by 5-10 times. The spouse is able to motivate to save and earn more.

As a result, to save up for a serious purchase, you just need to start save money in total 10% of salary.

Just do this regularly and do not spend money from the piggy bank until the required amount is formed there. Many billionaires started saving from coins that accumulated in their wallets. Then we invested them in a successful project and developed it.

Must be in your head revenue increase scheme, otherwise the structure will not withstand the first serious pressure. You cannot borrow money and borrow money; forget about the words “loan” and “pawnshop”. Although selling unnecessary things on Avito, if at first there is not enough for urgent expenses, is quite an affordable way to survive.

Question: how much money should you save from your salary? Even if the income is the minimum amount, it is realistic put aside a thousand rubles monthly. At the same time, it is necessary to close the first step of Maslow’s hierarchy in the form of a safe place to live and food.

A woman manages to save easier than a man, statistics show this. But if you are on maternity leave, you have to rely more on your spouse and relatives than on the state. At first, working girls are helped by their company.

It’s not worth committing suicide with a small income, but you can’t leave it like that any longer. Look for more decent options for earning money and don’t lose optimism. If you put aside laziness and despondency, you can really move mountains.

Important! The first stage of any financial endeavor is training in economy and savings techniques. Learn to count money, and it will literally stick to your hands.

It’s easier to start saving as a percentage of your income. But some economists set a fixed amount for the first period, then increase it in a certain proportion.

The main thing is not to stop the process and continue to improve it in terms of growing the money in the piggy bank, and not your own comfort zone. Try to save first and then spend, but first earn the maximum.

Secret accumulation of money lies in ability to plan.

At a meeting of family members, vote for the “save together” project and, if the decision is unanimous, take active action. Analyze the expenses of the previous month together; you can actually turn this process into a game, giving tasks for the next period.

Examples of game tasks:

• whoever develops a scheme for saving on utility bills will get a bonus trip to the cinema;
• whoever organizes purchases in the supermarket competently will receive a prize of “grilled chicken”;
• the best “workaholic” of the month will receive a gift - he does not wash the dishes for a whole week;
• came up with a family activity for the whole family that generates income - appointed director;
• You can put small amounts of money in envelopes for activity in the process of saving.

Always spend half of income for essential needs, and then consider what you can save on.

When bills and problems are paid off, it becomes easier on the soul and it becomes more pleasant to earn money. Don't put unnecessary pressure on each other, especially those who are really trying. But come up with a punishment for laziness and attempts to evade responsibility for the state of the family budget.

There are effective methods of punishment:

• leave your spouse “without sweets.”
• wife without visiting beauty salons and watching TV series.
• completely give up alcohol.
• prohibit hobbies that do not bring income to the family.
• deprive of attention.

Now let's look at the questions:

1. How much money should I save per month if only one family member works? Still the same 10% and try to help him in every possible way.
2. What day of the week is best to pay bills? On Friday evenings, instead of abusing strong drinks, it is more pleasant to gather in a narrow family circle, pay off debts and celebrate this with an active game that allows you to develop financial literacy.

There is no question why you should save money. Thus, a person forces himself to save on bad habits; giving them up often improves his health and motivates him to acquire additional skills.

Create a new and improved you through the need to save. If you fail to save, then you can forget about a successful and happy life. Lack of money is not a death sentence, but lack of desire to live and develop is a serious problem.

A familiar phrase is “their eyes are burning.” When you have a sincere desire to get something specific, you will be able to accumulate it in a short time.

Imagine yourself as the owner of a new apartment, car, travel. Be passionate about the process of preparing to own it. Select interior layouts for real estate, take a test drive in your dream car, explore a vacation destination abroad.

Experts say that large amount of money people earn money automatically when the goal becomes tangible, and the emotions from achieving it are already formed in the soul.

Known five key expert tips for quickly accumulating money:

1. to sincerely want something;
2. build a plan to achieve;
3. forget about the limitations of the current moment;
4. move forward in geometric progression;
5. be prepared not to be afraid to take the plunge.

The tips are very real and have been tested by many people in practice. Don’t give up, believe, want and achieve – the scheme is simple.

You can save up for a car in a year. On average, it takes 5-10 years to purchase an apartment. It’s possible to earn money for a trip using six months’ savings. With the help of a bank, it is possible to complete only the final steps; at the first stage, it is advisable to save on your own.

It's important to find balance between strict restrictions and the ability to relax even during a period of savings.

Those who manage to stay on this rope of success achieve their goals in the shortest possible time. It is also important to find a partner who will be on the same wavelength with you and will understand you perfectly. The role of more than 50% of the final success depends on the psychological aspect.

The desire to act consciously helps to increase your income. When a person enjoys work, because his thoughts are already in a new car, apartment or at sea, then it is easier for him to participate in business processes.

Analyze your plan to achieve your goal by week and mentally move your feet on the way to what you want.

The moment you become interested in another object of desire, carefully consider how not to spend everything you have accumulated.

Test yourself for the sincerity of your goals and continue to move forward with a smile on your lips. Tomorrow you will become more successful than you were yesterday, thanks to the competent ability to save, save, invest, invest and earn.

Today teach own children to financial literacy.

Let them read specialized literature, play success strategies. In practice, teaching a person to value and love money is not easy, but it is during childhood that programs for successful well-being in adulthood are laid.

Any limitation in childhood will cause mistakes in the future and you will have to learn from numerous mistakes before turning your consciousness in the right direction.

Experts play on the stock exchange, they even place bets on sports in proven sweepstakes, invest in stocks, but do not forget set aside a percentage of your income to reserve funds, charity and other expenses.

At any moment, even the richest person risks failure in a series of projects, but a close partner who has walked this path with him will always come to his aid. If there is no such character in your life, then you need to look around. He is probably waiting for a lucrative offer of cooperation.

Conclusion

As a result, in order to accumulate the required amount of money, you need to learn to dream and build smart goals. The legs themselves will move towards the intended dream object if a person feels like the owner of what he wants.

Advice! Develop financial literacy skills, do not be afraid experiment, but keep concentration so as not to run into scammers.

It is possible to save money using proven methods and systems. When they move to automated analytical tools for control, it is much easier to do this. But there is nothing better when the process takes place together with all family members, then it turns into an exciting game.

Develop in yourself the qualities necessary to improve your well-being. Know how to be responsible to yourself and family members, maintain discipline, strengthen basic financial knowledge, learn additional earning skills. When you attract success and prosperity into your life, saving and saving money will not become a burden.

The first advice to a person who consistently lacks money is to start earning more by getting a promotion or changing your occupation. But there is another approach, according to which our holes in the budget are due to the inability to save and spend savings wisely. The article below contains some tips on how to learn to save money on a small salary.

How can you save money on a low salary?

You can often get a profit at the end of the month without fundamentally changing your approach to spending. The first steps on the path to saving are the simplest, and you can really start taking them today or tomorrow. Here are some examples:

• Nutrition. At the peak of popularity among busy citizens are ready-made breakfasts, lunches, lunches and dinners. Their advantage is clear: you don’t need to waste time on cooking, and the food itself is usually tasty and satisfying. But if you count your expenses, you will find out that deliveries, trips to cafes, restaurants and fast food “eat up” up to 15% of your income. Significant savings will come from cooking yourself or eating in cheaper places (for example, buffets or canteens);
• Entertainment. Going to bars, clubs and cinemas, of course, makes life brighter, but it turns into big expenses. In addition to the entrance ticket, in such establishments they buy drinks, snacks and snacks at a price much higher than the market price. For the budget, it is useful to either give up expensive entertainment altogether, or spend money on it wisely;
• Purchases. We're talking about daily trips to the store for provisions, when you can save money on literally everything. For example, instead of the usual 1 kg of sugar, take a smaller package - 850 or 900 g. The same applies to meat, sausages and some dairy products. The damage to the diet is almost invisible, but the savings are significant - up to 10% per month;
• Sales. Holiday promotions and “Black Fridays,” so popular in the West, are gradually taking root here. You can save the most on expensive goods - buying household appliances, furniture, electronics, shoes and clothing. But don’t forget about promotions in nearby grocery stores and supermarkets: all the food you need at home is on discount;
• Bad habits. First of all, tobacco and alcohol fall into this category - destructive not only to health, but also to the wallet of addiction. It’s also worth eliminating uncontrolled eating of sweets: 5-10% of your income is spent on “sweets” per month.

How to save and save money - table

The basis of effective financial management is keeping track of your income and expenses. The most convenient way to do this is in the form of a table, which can be drawn by hand or built in Excel or Google documents. We've created a spreadsheet so you can record your expenses and analyze where you're spending the most money.

Table for accounting expenses and savings

To copy the table to yourself, you need to select the “File” menu and the “Create a copy” item.

Saving a table

How to use the table to save money?

To learn how to save money and save money, in the table we have given the approximate budget of a young man, a resident of a Russian city with a million population. Let's consider how it can take into account the movement of personal finances:

• Monthly income - in our example it is 43,000 rubles. salary + 9,000 rub. bonus;
• In the “Necessary expenses” column we indicate what simply needs to be paid. Usually these are utilities, transport, Internet and mobile communications;
• In the “Savings” section, we note the percentage of income that we make it a rule to save. In our example, this is 15% of earnings;
• Having summed up all the income and subtracted the necessary expenses from it, we get a budget for the month - in the example it is 38,520 rubles;
• To stick to the plan, it is convenient to calculate a budget for each day. To do this, divide the monthly budget by the number of days. In August there were 31 of them, so in total we get 1,242 rubles.

Further, the table works on the principle of simple accounting. Every day you need to fill it with expenses - trips to a store, cafe or restaurant, trips to the cinema or supermarket. Days where we managed to fit into the daily budget are marked in green, and days in red are where spending exceeded the plan.

If you strictly adhere to the table, your savings will begin to grow. This is simple arithmetic that will help you save up for a vacation or gadget, create a safety net and eliminate the need to take out a loan.

It seems that a small income does not give much maneuver for saving. If you start keeping a table of expenses and exclude entertainment, bad habits and catering, what remains? Below are 15 recommendations for saving personal funds that everyone should try. The result is guaranteed.

Storing money

Storing banknotes under a mattress or in a three-liter jar is, of course, methods proven over generations. But today, wisely saving and saving money means finding a use for it. Deposits are best suited for this purpose. Their opening can be timed to coincide with a major purchase - for example, an apartment or a car. While the savings are in the account, they “work” for your budget, generating passive income. An additional advantage is that most deposits are opened for a fixed period, so there will be no temptation to spend money ahead of time.

In addition to classic deposits, banks offer savings services with payment cards. This can work in different ways: for example, every time you top up your card, the bank will write off interest on the deposit or simply add money to the account balance.

Competent goal setting

Experience shows that limiting yourself for the sake of the abstract idea of ​​“savings” is extremely effective. But a specific goal is very motivating - to go on vacation, change a car or buy a gadget. To avoid confusion, you can open a separate bank account for each purpose or plan large expenses in advance (you can record them in the same expense table or application).

No debt

If a person has a lot of unpaid debts, we can almost certainly say that he does not know how to manage finances. Therefore, you should start saving by paying off and. If your funds are not enough, resort to refinancing. Find a bank with more favorable conditions and take out a new loan from them to pay off the existing one. This, of course, will not get rid of debts instantly, but it will help save some money.

Saving on utility bills

Payment for housing and communal services is the basis of the expense table and that line that cannot be excluded. But monthly expenses can be reduced if:

• Use electrical appliances wisely. Namely, turn them off from the network if they are not in use;
• Choose the right lighting. Turn off light bulbs when leaving the room, or use less bright light when not needed for study/work. Spot lighting (sconces, floor lamps) and replacing conventional light bulbs with energy-saving ones helps to save money;
• Buy energy-saving equipment. All household appliances are divided into classes depending on how much energy they consume. It is more profitable to buy class “A” devices. Although more expensive, such models will help save energy in the future;
• Rational use of available equipment. We are talking about electric stoves, washing machines and kettles, which are more economical to run rarely, but load the full volume;
• Install counters. Installation is expensive, but in the future you will definitely not overpay, as universal tariffs suggest.

Universal recommendations also work in saving money: use less water, turn on electrical appliances less often and in smaller quantities.

Other tariffs and payments

In addition to utilities, there are several other payments that we make on an ongoing basis - mobile communications, cable television and the Internet. Having connected once, a rare user checks the tariff line. But over time, more profitable offers appear - both from the service company and from other operators and providers. Some of the costs can be pulled down by unnecessary functions: paid antivirus, an expensive package of channels, minutes you don’t need for calls within the network. You should turn them off or think about changing companies.

Exchange and mutual assistance

Things and services can be exchanged, i.e. resort to barter. Portals like Avito have a lot of such offers: for example, get a free cosmetic service from novice artists or pick up an item from the former owner for a nominal fee. Here you can buy clothes, shoes, furniture and much more at prices below market prices. At the same time, the item may be new, simply sold second-hand, and not from a store counter.

This point also includes carpooling or car sharing - car sharing, when a user finds travel companions through an online service. This saves money on fuel.

Inspection at home

On online platforms you can not only buy, but also sell goods. Surely many people have shoes, clothes, equipment or children's products at home that are no longer used. Perhaps some things were not used. All this is appropriate to post online in the form of advertisements for sale. If there is a buyer for at least a couple of positions, the money can be set aside for that very “airbag”.

Cash payment

Controversial advice in the age of technology, but for some it helps save money. The idea is to pay only in cash - this way a person can clearly see how much money he spends on everyday life. This is especially true for cardholders with contactless payments: with such plastic cards, small purchases are made instantly and often, unfortunately, uncontrollably.

The downside of cash is that you can’t connect cashback or expense tracking apps to it. And fewer and fewer people today want to tinker with bills and coins.

Stop borrowing money

Before you decide to borrow money, think about whether you need this thing and whether you can do without buying it. And only if it is really necessary, resort to the help of friends.

Shopping lists

If expense tables help to analyze what we have already spent on, then lists are an element of planning. By sketching out a list of products in advance, you will no longer end up with a full basket of “goodies” and promotional items in the store that you don’t need. By the way, it is not necessary to write on paper. There are many applications for smartphones where it is more convenient to maintain such lists.

Expense Accounting Applications

Developed for mobile platforms, such programs resemble expense tables, but eliminate the need to do the math yourself: debits and credits are added up automatically. The applications themselves generate statistics, help you save money and remind you about mandatory payments (housing and communal services, rent, internet, etc.).

Some programs are completely automated. For example, in Zen Money, users do not have to enter expenses manually at all. The application itself imports transactions from Sberbank, Alfa Bank, Tinkoff Bank, Yandex.Money, Webmoney or QIWI, and then calculates the total expense.

Using bonuses

Today, almost all stores and establishments are chain stores. This means that they offer clients to participate in bonus programs. Unlike sales, bonuses are not available to everyone, but to selected customers - those who have issued a discount card or registered on the company’s website. This functionality should not be neglected. Stores are very interested in retaining old customers, so they often make lucrative offers.

Cashback cards and services

Cashback is a return of part of the funds for payment for goods or services. There is no need to be afraid of this option: companies use cashback for marketing purposes to attract new customers and retain old ones. And for us this is a real way to make money, and in several ways:

• By registering in the cashback service. Such sites redirect customers to online store sites, and receive a profit for intermediation. Part of it goes to users in the form of cashback. The return percentage depends on the store and product category, but usually it is 1-3% per purchase;
• By applying for a debit or credit card. This method is even simpler: the holder simply pays with plastic, and interest on purchases is calculated automatically. Banks offer two types of cashback - in the form of a return of “real money” or accumulation of bonuses.

Mobile operators from the “Big Four” - MegaFon, Tele2, Beeline, MTS - also began to introduce the cashback option. Their subscribers are offered separate promotions or a stable refund at the end of the month (up to 20% of payments made). True, such cashback can only be spent on additional operator services.

Obsession with discounts

Sales, bonus programs and cashback services have a significant disadvantage - people tend to get hung up on them. As a result, purchases are made not because the product is needed at the moment or in the future, but simply... because of the discount. To spend wisely on promotions, they should be correlated with shopping lists. The main rule is to take only what you have planned, ignoring tempting price tags.

Reasonable savings

This point follows from the previous one. It is important to know moderation in everything, including accumulation. There is no need to set an unattainable goal (for example, saving more than 20% of your income or completely eliminating entertainment from your life). A reasonable approach to learning how to save money on a small salary is formulated as follows: saving for life, not living for saving.