It's paradoxical, but people with the same salaries can live in completely different ways: some buy apartments, cars, and go on holidays to the sea, while others — they are always looking for someone to borrow before & nbsp; payday. How is this possible if the incomes are about the same? The whole secret — in planning expenses and the ability to save money for serious purchases. If you think that for this you need to live from hand to mouth and deny yourself everything, you are mistaken. Let's figure out how to save money for an expensive purchase or a good vacation.
- Why is there always a lack of money — balance balance
- How to save money: 10 useful tips
- The main thing about the secrets of saving money for major purchases
Why is there always a lack of money — balance balance
There are plenty of people who are unable to save a penny. They receive a salary, spend it immediately, and wait for the next receipt of money. Finances are melting before our eyes, but you can not deny yourself your desires. The problem is that many of us doesn distinguish momentary whims from true needs, so we just waste money on the wind. As a result, there is not enough for major purchases, it is impossible to create a financial airbag.
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To close holes in the budget, you first need to balance:
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Tell revenues and expenses. Write down the exact amounts and in the column of expenses indicate what the money went for.
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Deal with expenses. Now you need to separate the need cost from wish — impulse purchases. These include unplanned sweets; items bought at sales; foods you can do without.
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Decide how much money you can save.Determine how much you really need for needs, and what can save by not impulse shopping.
When you calculate how much you're wasting, you'll be surprised. Surely it will turn out that you almost every day buy something unnecessary, succumbing to a sudden desire or the influence of others. By eliminating these expenses, you do injure yourself in no way, but you can save money.
Pay special attention to bad habits. Daily smoking and beer on Fridays — expensive and very dubious pleasures. It's unlikely you'll be able to get rid of dependencies easily, but saving savings on dependencies is possible. If, for example, you smoke a pack of cigarettes a day, this amount can be halved: it better for health, and costs will decrease, the withdrawal syndrome will not torment.
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How to save money: 10 useful tips
Start with the main — setting goals. Decide what you plan to buy and how much it costs. Add at least 5% to the amount received, because it will take you time to accumulate it, and the cost of the purchase may increase. Any goal has a deadline. They must be real. Divide the amount received by the number of months. That way you know how much you need to set aside each month.
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It remains only to find out how to accumulate money. Here are some helpful tips to
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Take care of motivation.Be sure to visualize the goal and try to keep that image constantly in eyes. You can print a picture that symbolizes the perfect vacation, or put a photo of the desired car model in your wallet. This will help contain the impulses.
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Save money right away. Once you receive the money, immediately save 10-30%, pay your bills (utilities, internet, phone, etc.), buy the right amount of groceries and household chemicals. You can save even more on the rest.
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Do not touch the accumulated money. You can put them on deposit, convert currency or give to parents. The main thing is that you don not be able to quickly access accumulations.
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Keep your expenses under tight control. Record all expenses. If you think a notepad and a pen are inconvenient tools, use electronic applications.
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Forget about the opinions of others.Are you ashamed to walk the second season in the the same shoes? And & nbsp; in front of whom, actually? Don't orient the opinion of your friends and don't buy things unless absolutely necessary. Let yourself be encouraged by the thought that the poorest people most often spend on status goods. This is the pure truth.
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Resist impulse buying. It won't be easy at first. To hold on, ask yourself if you are ready to buy this item for twice the price. If yes, you really need it.
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Save with pleasure. Treat accumulation of money as an exciting game in which you will constantly move to a new level. Often look at the balance of a bank account or a filling three-liter jar — depending on where you keep your money. Praise yourself for every penny you save.
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Determine how much you can spend "for nothing". If you restrict yourself severely and don't give concessions you will break loose and spend everything. Decide what percentage of the money you save to spend on pleasure. This will be an additional incentive to saving.
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Investing. It's worth considering how to make money work for you. Explore banking products, investment options — anything that can increase your score.
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PConstantly set new money goals. It's a great cure spend.
As you learn to save for big purchases, you slowly get used to saving money. Your well-being will improve, life satisfaction will increase, and financial fears will disappear.
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The main thing about the secrets of saving money for major purchases
Experienced business coaches constantly remind you that the indicator of wealth — this is not the size of the amount, but the ratio of income and expenses. If you spend less than you earn, then you a rich person, and if you spend everything — poor.
Getting rich is easy:
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Set goals, set deadlines, and take care of motivation.
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When receiving money, first "pay yourself", then bills, and live on the remaining amount.
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Stop impulse buying and stop paying attention to others' opinions.
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Keep your money so that you won't get it quickly.
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Remember Uncle Scrooge. He was tight-fisted, saved whenever he could, and that was what allowed him to get rich. At the depths of each of us a little bit of Scrooge and wants to swim in money. Let's try!
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