Budget optimization is important for any person, because it is a guarantee of confidence. How to learn to save money and save up for large purchases if you have a family and a small salary? There are several ways to learn to live frugally, avoiding serious waste. Compliance simple rules will help everyone to modern man feel confident, have a cash reserve, get rid of loans and debts.

How to save money correctly

With the problem of shortage Money many people face. To avoid this, you should be responsible about your budget and any expenses. But the secret of how to learn to live frugally and save money is not known to everyone. First of all, it is worth remembering that the quality of your life will not deteriorate from the correct distribution of the budget. Effective ways There is a lot of cost optimization, and you can save the saved money to buy a car, vacation or repair.

What can you save on?

What expense items can be cut?
	Saving methods
Public utilities	use of high-class energy efficiency equipment; installation of meters; energy-saving lamps
Food	replace trips to the cafe with homemade food; refuse harmful products; make a grocery list and stick to it; visit stores well-fed
Personal car	travel by car only to the metro station; replace aggressive driving style with a calm one; quality vehicle service
Clothes and shoes	do not visit shopping centers and online stores aimlessly; come for a specific item and buy only that; repair old shoes rather than buy new ones; buy summer clothes in winter and winter clothes in summer
Personal care and sports	do not visit expensive salons, but call a specialist to your home; replace trips to the spa with home peeling or wrapping procedures
	buy tickets in advance; track Special offers; vacation in early spring or autumn instead of traveling during the high season; rent private housing;
	celebrate holidays at home, not in restaurants; go on excursions by bus, rather than by private car; replace traditional books with electronic ones

What you shouldn't save on

There are expense items that cannot be cut:

1. Health. Seeing a doctor in a timely manner, using the services of professionals, and preventing diseases will help you avoid serious expenses for treatment.
2. Proper nutrition. There should always be fresh vegetables, fruits, and dairy products on the table.
3. Refusal of cheap clothes and shoes. Quality items will last much longer.
4. Cosmetics. Cheap products may contain harmful components and harm your health.
5. Toys. It is better to save on their quantity, but not on safety and quality.
6. Wellness holiday. It improves the condition of the body and intellectual activity of a person.
7. Education. If you have a desire for new knowledge, you should use all available learning opportunities.

How to learn to live frugally

There comes a time in every person's life sooner or later when it's time to learn how to save. Budget planning and the ability to distribute the budget help avoid financial problems. The reasons for learning to save may vary: sudden dismissal, going on maternity leave, planning to buy a car, apartment or pay for university tuition. At first, giving up the habit of spending money is not easy, but if you approach this task wisely, you will be able to reduce unnecessary costs and save up to 40%.

Cost control

To force yourself to stop wasting money, it is recommended to immediately take control of all expenses. To do this, get a notepad or install it on your computer special program: “Home Finance”, 1C: Money. You need to write down everything there, even the smallest expenses. The essence of the saving method is the ability to plan, to see clearly which expense item “eats up” large sums of money.

Budgeting for the month

It is important to learn to plan. At the beginning of each month, outline your budget. First of all, consider obligatory payments on loans, for an apartment, kindergarten, meals for children at school. After this, it will become clear how much you have left for food, clothing and entertainment. For convenience, you can use envelopes. If you plan and live within your means, then your budget will no longer be threatened by holes that there will be nothing to cover.

Avoid unnecessary purchases

The job of marketers is to influence the human psyche and bring producers and trading companies obvious benefit. For example, women who run to the supermarket for milk can easily buy unnecessary things, succumbing to emotions. To avoid unnecessary expenses, you need to remember the following rules:

• use cash instead of plastic cards;
• for large purchases, set aside a whole day or several hours;
• make a list necessary goods;
• do not take extra money with you;
• if you were not planning a large-scale purchase, take a basket instead of a trolley in the supermarket;
• Don't go shopping with children.

How to learn to save money

If you manage your money correctly and develop the healthy habit of saving it, any financial goals will be achieved much faster. Modern people prefer to take out loans instead of learning to save and save. However, piggy banks help you collect a large sum for a vacation or a serious trip, even if you save small amounts daily, weekly or once a month.

Contingency reserve

In case of unexpected expenses, it is always worth having a financial reserve. Otherwise, you will have to borrow money or take out loans, and this will only worsen the situation. Too much attention and large sums of money for the reserve are not needed. Even with small incomes, saving money is quite possible. You need to learn to save about 10% from your salary and other income. You shouldn’t take money from your stash for everyday expenses unless “that very moment” has come when a child suddenly gets sick, the refrigerator breaks down, or you need to pay for education.

Saving money for vacation

To prevent your vacation from turning into an unsustainable loan debt for you and hitting the family budget, you need to learn to save money for it in advance. You have several months to save regularly and accumulate a certain amount. To save money for a vacation, you need to set a specific goal, taking into account income and expenses, personal wishes, and regularly replenish the reserve. Play with prices in advance, calculate how much money you will need for housing and flights, and if possible, find ways to save (the “Fellow Travelers” service, private housing, etc.).

Opening a deposit account

The ideal option would be a cash cushion of at least three times your salary. Savings will be needed in emergencies, such as layoffs, injury, or an important major purchase. In addition to ways to learn how to save money and save money, it is worth remembering about banking products. Deposit programs of different banks will help you not only save, but also receive passive income.

It is recommended, if possible, to learn to save from 5 to 30% of your salary into a monthly deposit. This must be done immediately after receiving the amount, before the funds are spent. It is more profitable to withdraw savings after the end of the deposit period, so as not to lose interest. For greater confidence, you can store money in different financial institutions.

How to save money with a small salary

Those who have a modest salary can also learn to save. It wouldn’t hurt to find a source of additional income to feel more confident. Simple rules of saving will help you learn to live without strict restrictions and at the same time never be left without money. To do this, you need to set your priorities correctly, avoid expensive stores, not resort to taking out loans, monitor supermarket promotions, use cashback services and discount cards.

Financial priorities

In order to have enough money for all major areas of life, you need to learn how to distribute finances wisely, excluding extra expenses. The list of expenses includes the following types:

1. Priority: food, utility bills, loans.
2. Secondary expenses: savings for vacations, investments in education, formation cash reserve.
3. Non-urgent: buying clothes from fashion brands, electronic novelties, visiting restaurants, leisure.

Waiver of loans

When talking about how to learn to save money, first of all, you should live within your means. Under no circumstances should you make spontaneous large purchases on credit or using funds borrowed from friends. Even if you will soon have an additional source of income or a financial contribution to the budget is planned, you should always rely only on yourself and your wallet. Borrowing the required amount is easy, but giving back is more difficult. In addition, loans provide for a strict repayment schedule, large overpayments and penalties for late payments.

Use of discount and discount cards

Another good way Save a lot of money by learning to buy clothes, groceries, and household goods all the time in stores of the same chain. Almost everything trading enterprises today they offer their clients discount cards, which are used to accumulate points. You can spend bonuses to pay from 30 to 100% of the cost of purchases, which will save a lot of money.

Optimization of communication costs

The telecommunications market offers Russians a huge selection of services. There is a lot of competition between companies, so each operator periodically launches promotions, special offers, new tariff plans. If you are concerned about the question of how to save money, then you should definitely reconsider this expense item. Unnecessary subscriptions mobile applications and other services with a subscription fee should be disabled. There is no need to pay for more Internet, minute packages or SMS on your mobile than you use.

How to learn to save your family budget

As a rule, people start saving money when they start a family. Marital and parental obligations greatly increase the responsibilities and needs of citizens. In addition to increasing your income through part-time work, you should think about how to reduce family budget expenses. Saving money does not mean lowering your standard of living. On the contrary, a competent approach to the distribution of funds will help improve your well-being.

If you don’t know how to save money in your family, then you need to start small. For example, it is worth giving up bad habits and products. Small expenses on chocolates, chips, cigarettes grow into huge amounts. In addition, it will help you save family budget optimization of costs for public utilities. There are several important points, taking into account which you will receive a significant reduction in monthly expenses and the opportunity to save more money.

Energy Saving Technologies

If you are determined to learn how to save money, then be sure to take care of such an expense as electricity. Special metering devices and modern household appliances will come to your aid. Saving money in the family budget on electricity comes from following the following rules:

1. Replace regular light bulbs in your home with energy-saving ones. They last much longer, practically do not heat up, and consume less energy. On average, such a lamp has a service life of three years, so using them, you will save approximately 600 rubles per year.
2. When leaving home, always turn off the lights in all rooms. To remember this rule, write notes on the front door. As a result, at the end of the month you will have to pay much less money for electricity than before.
3. When choosing household appliances, give preference to class A+ devices. Use the devices strictly according to the instructions. With class A+ or A++ appliances, you can learn to save energy and your money, but for this it is important to use the devices correctly.
4. Disconnect TVs, computers, chargers from the power supply. In standby mode, equipment actively consumes electricity, and you lose your money.

Installation of meters

If you want to learn how to save money, but still do not use meters in your home, then immediately install meters for gas, water and other communications. The fact is that housing and communal services authorities, in the absence of such devices, calculate payments to citizens according to generally accepted standards. As a result, much more money is spent than if there were meters in the house.

Saving money on food

Learning to save money means, first of all, giving up unhealthy foods. This measure will have a positive impact not only on your budget, but also on the health of the whole family. Buy food in bulk. When purchasing goods at the market, try to bargain. Instead of processed foods and sausages, buy fresh meat. Sometimes it is more profitable to buy products in bulk, for example, sugar, flour in 30-50 kg bags.

Rejection of bad habits

Another important measure for those who decide to learn how to save is giving up bad habits. If you quit smoking and stop spending money on cigarettes, then within a month you will be able to save up to 5 thousand rubles. Those who like to drink a bottle of beer in front of the TV in the evening should also take into account that refusing to do so will return at least one and a half thousand rubles to the family budget in just 30 days.

Choosing low-budget entertainment options

Regardless of how much the spouses earn, the family should rest periodically. It doesn’t matter if you can’t afford an expensive trip to exotic countries. Learning to save money is important and it may not always be appropriate to save up for years to go on a cruise. Consider inexpensive vacation options. A trip is needed for a change of scenery and a pleasant time, so it is not necessary to fly to the ends of the world. An excursion to a neighboring city, visiting exhibitions, a water park, a picnic by the lake - all this will give you a lot of positive emotions without putting a dent in your wallet.

Video

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Hello, friends! The topic of today's conversation is relevant for many of us. How many times have I promised myself to start saving and saving money from tomorrow. But, alas, the process of accumulating money moves very slowly, at times stalling in place or even rolling back, leaving the position to one’s own laziness, unwillingness to strain, or simply following one’s immediate desires.

Why is this happening? I decided to try to figure it out and somehow clarify this issue for myself.

How do we all generally manage our finances? The scheme is approximately this: earned money - spent money. As income grows, expenses rise accordingly. And after this, is it worth wondering why at the right time we do not have the necessary amount.

The first conclusion I made for myself: money needs to be saved and accumulated.

I agree that not everyone is able to grasp the idea of ​​selfless love for banknotes and their hoarding. And thank God, because elementary greed cannot be called saving. Money that is saved for the sake of saving is actually very difficult to save.

For me, the main thing in this process is very strong motivation. This is a very great desire to possess something or the opportunity to realize your cherished dream with the help of accumulated money.

Motivation can be very different. For example, the desire to do something noble or useful for other people, for society.

To make this point more clear, let us recall at least the experiment that the American writer and journalist Colin Bevan conducted on himself and his family over the course of a year.

The goal of his year-long experiment is to reduce the amount of garbage on Earth with the help of his family. As a result, they wrote step by step guide how you can live economically in modern world and produce as little waste as possible.

How does this relate to savings? Yes directly. By changing some of his habits (for example, if possible, not driving a car or using public transport, but cycling or walking), Colin Bevan simultaneously solves two problems: saving the environment and saving his money.

An example, perhaps somewhat unconventional, but nevertheless clear, of how the desire to change life for the better on Earth leads to family savings.

My dream (like, probably, many other people’s) is not so global, it does not solve world problems, but is quite everyday.

And not just one, in fact there are several of them. But the one I want to do in the near future is travel.

I've always liked to travel. But in Lately somehow it’s not possible to go on a long-planned trip to Europe.

And, in order to bring this desired event closer, I have developed for myself such a small step by step instructions about how to save money, naturally, having first read a bunch of smart books, attended more than one training and mentally “sending” application after application about your financial solvency to the Universe.

I admit, the Universe has not yet reacted in any way, but from everything else certain conclusions have been drawn:

1. Don't spend more than you earn. This was taught to me by the experience of the rich and wealthy, many of whom made their fortunes by strictly observing this principle.
2. Learn to manage your finances (save correctly and wisely, make financial plan with further analysis of income and expenses, save money, create passive income, invest funds).

As we have already found out, in order for money to accumulate faster and more pleasantly, it must be collected for something pleasant and desirable. And since the purpose of my savings is travel, first let’s calculate how much money, approximately, will be required for the trip (purchase of tickets, visa, expenses for gifts, clothes and shoes, suitcase or travel bag, technical equipment for the trip (phone, camera , tablet), the amount of money that will be required on the trip).

Strong steps

Don’t immediately burden yourself with overwhelming tasks. It’s hard to save a lot at once, and long-term results can lead to disappointment. Let's say the ultimate goal of my savings is a trip. But this includes many preparatory intermediate stages, for example, buying a camera, tablet, phone.

Therefore, I begin my accumulation process by postponing small amount money for your first purchase in this chain: for example, your first purchase will be a tablet. Agree, not that much money. And a quick purchase can stimulate me to further accumulation.

This stage has already been almost passed and, I hope, very soon I will please myself with an excellent tablet. And the next thing on the plan is a camera.

How to save money: more and faster or how it turns out?

The answer to this question largely depends on income. But as financial advisors advise, you need to save at least 10% of all income received every month. It's not much in relation to total amount, and, in this case, those funds that remain allow you not to disrupt your usual way of life.

If these incomes are large enough, the desired amount will be collected quickly.

But what if you just have enough money to live on?

Then it is unlikely that you will be able to quickly accumulate the desired amount. The realization of what you want is postponed long term, and there is a possibility that during this time there may be more than once a desire to spend what you have accumulated on something unplanned ahead of time.

To avoid this situation and speed up this process, I try to save at least once every three months not 10%, but 20-30% of all income.

Small tricks that will help you save money

All these wisdoms are from life and they are most likely connected with our psychology. This is how we are designed that sometimes we have to resort to some tricks to deceive ourselves.

Here's what I sometimes do to avoid spending more money than planned:

• I try not to carry all the money in my wallet, but, if possible, take as much as I need for purchases at the moment
• I don't always take it with me bank card. In this way, we have already managed to save money more than once from wasting it on purchasing unplanned items.
• If there is a person in your family who can resist unnecessary and unnecessary spending of money, make him your family “treasurer”. Perhaps this will help protect your savings from unnecessary spending

I have another interesting, in my opinion, method. I found it on the Internet not so long ago, and since then I have been using it with success. I would like to tell you more about him. This is a way of delayed purchase or delayed fulfillment of a desire.

It's very simple. And it consists in the fact that before you realize your desire, for example, to acquire something, you need to take a temporary pause between the emergence of this desire and its implementation.

Just wait and see how much money you can save by not following your immediate desires and not making a purchase that you can completely do without.

You can even make shopping lists that you would like to purchase. But don’t immediately run to the store with this list. And its implementation cannot be delayed for some time, for example, a couple of months. During this time, you will definitely understand whether you really need this thing or whether you can successfully do without it.

This method is very effective and has been tested on itself. In addition, you will not have a reason to reproach yourself for wasting your money and delaying the implementation of your dreams.

This is how I try to get closer to my dream.

How do you do this? Bye bye…

Do you have a dream? Or a cherished long-standing desire? Maybe you want to go to Paris, or just buy a new laptop, but somehow you can’t get the required amount, and you don’t want to deal with loans? It is correct that you do not want to get involved; it is better to resolve the issue on your own. You can bring the fulfillment of your dreams closer on your own, almost imperceptibly, and at the same time you hardly even have to limit yourself in anything.

What do we need in order to get the treasured amount in our hands after some time, practically out of nowhere? After deciding what exactly we will do, we need to ask ourselves a few more questions:

1. What will we save money for? Here, of course, the size of the intended amount is important. If we need relatively little money, then a regular piggy bank will do. However, you shouldn’t run to the store and buy a “pig” there for 500 or 1000 rubles. It is better to use this money as a down payment. You can make a piggy bank yourself: from a jar, a plastic container, or a box. The main thing is to seal and seal it firmly and securely so that it is not at all easy to get to the contents. Of course, if you have a piggy bank ready, so much the better! Then just dust it off and get started!

If you have a larger goal in mind, then it would be best to open it specifically to accumulate the required amount.

2. Have you set a specific deadline for yourself to achieve your goal? You intend to time the purchase of the item you are looking for on a specific date (for example, an anniversary, wedding anniversary, New Year etc.)? Or do you expect to make the desired purchase when you collect the required amount? If you are not completely sure that everything will end successfully, it is better to choose option number two. And then look at the situation.

One family of four has a tradition: every year, starting on January 1, they put 10-ruble coins into a large dog-shaped piggy bank. In mid-December, the accumulated wealth is removed in the presence of the whole family and counted. Part of a fairly good amount goes to organizing the New Year's table. The remaining money is divided equally among everyone so that everyone can buy a gift for themselves. And this money is enough for very expensive gifts.

Another example. The girl collected 10-ruble coins for six months with virtually no specific purpose, hoping to use the money for pocket expenses while visiting a friend. After opening the piggy bank, she found out that it was honestly enough to fully cover the cost of travel from St. Petersburg to Moscow and back. The remainder was enough to buy a new dress and theater tickets.

In general, you can start a piggy bank for a variety of purposes. For a vacation, buying equipment, a gift for a loved one, for a fur coat, finally. If only there was money, there would be enough imagination!

3. Who will participate in the accumulation of funds? It's a good idea to get your loved one or family members involved in the process! You can also connect friends who come to visit. Will they refuse to make their small contribution to making the dream of a hospitable host or hostess come true? One guy claims that, thanks to such voluntary contributions from the guests who visited him, he managed to save up for a week-long trip to a sanatorium in a year. Whether he is cunning or not, the idea itself is clearly worth attention.

You can come up with as many goals as you like for saving money as a family. For example, you can raise funds for a trip to the sea. Or straight away - to Las Vegas. It may not be enough for tickets, but enough for pocket expenses. You can set yourself the goal of purchasing a tent and other camping equipment for joint outings into nature.

4. What money will we save? In what currency are we going to save? If you are planning to save up for a trip abroad, it makes sense to buy a few dollars or euros every week. Or you can put aside coins or bills of a certain denomination. For example, banknotes with the image of a bridge over the Amur in Khabarovsk. Or maybe you shouldn’t do it so suddenly right away. It’s probably better to start with 50 ruble notes.

The questions have been sorted out. We decided on the timing, currency and purpose. Now all that’s left is to find a suitable container, close it tightly, seal your homemade piggy bank with tape, or maybe even “Moment” glue. Or simply take out an old, unused piggy bank from the top shelf, brush off the dust if necessary - and you’re good to go! Wish yourself good luck, call on your family and friends for help (if you haven’t decided to save in secret from everyone), and put the first money into the piggy bank “for the start”!

In this article, we did not set out to discover America and do not at all claim that you can easily and effortlessly save up for any desired thing (gift, trip), without resorting to or overpaying. Many people want to get what they want right away and often take out a loan for this purpose. This is your choice, but then you will have to give part of your earnings to the bank for another year, or even several years, overpaying one and a half or two times for the purchased item.

Therefore it makes sense at least try to start using the described method. Surely you will like it when, after six months or a year, out of nowhere, you suddenly have a decent amount of money in your hands! And you will be able to spend these funds on something very useful and necessary, or maybe something cherished and long desired, without any stress on yourself.

Inga Mayakovskaya

Reading time: 5 minutes

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Finding money for the right thing today is not a problem: if there is nowhere to grab it before payday, or you need a serious amount, you can. But you take someone else’s, and, as you know, give away your own. Not to mention interest and other costs.

Is it possible to save money without going into debt? How to save money wisely?

We control expenses - we save money correctly

Family budget accounting - first task. Especially if you plan to accumulate funds not on your own, but as a family man. Cost control involves keeping track of all monthly utility bills, purchases and additional expenses.

Key expenses and how to save on them:

• Bills for rent, electricity, internet, telephone.
  Of course, you won’t be able to save much money at this point. Although, if you try really hard, you can reduce your electricity costs by promptly turning off the lights and unnecessary appliances (+ energy-saving light bulbs), and on water (by installing meters). As for a phone with the Internet, you can choose the best tariff for your budget. For example, if you call from a landline number once every two months, then “unlimited” is of no use to you.
• Clothes, shoes.
  Outerwear and shoes do not need monthly updating. Yes, and from the twentieth blouse in the closet, as well as from the 30th pair of tights “in reserve” and the next set of underwear according to the “How beautiful! I want, I want, I want!”, you can get by. Before you buy something, think about it: do you really need it, or will the apocalypse not happen if you leave it in the store? Wait a day or two. Or better yet, a week. Most likely, you will find that you get along just fine without it. Another option is to open a separate account specifically for clothing expenses and withdraw funds only when absolutely necessary.
• Nutrition.
  The same expense item for which funds should be distributed immediately for the month in advance. Otherwise, you risk spending the last week before your payday on Chinese noodles. The second point (and the most important) is children. Living for your own pleasure, you can easily save on food - drink tea without sugar, do without spices, sauces and delicacies, etc. But children require nutritious food. Therefore, there should always be money for food.
• Transport.
  For regular trips, it is more profitable to buy a single travel card; instead of a taxi, you can use public transport, and a couple of stops to point A you can walk on foot (at the same time lose half a kilo of extra centimeters and supply the brain with useful oxygen).
• Unexpected expenses.
  Funds for medicines, for cases of force majeure (a faucet leaked, an iron broke, a toddler spilled coffee on a work laptop, etc.), urgent “donations” to the “school fund,” etc. – should always be on a separate shelf. Life, as we know, is unpredictable, and it is better to be safe from unexpected “gifts” of fate. Read also:
• Entertainment, relaxation, gifts.
  If you have set yourself a goal - to urgently save up for something you really need, then you can hold off on entertainment. Or remember the entertainment that is available even with a minimum amount of money on hand.

All expenses for the month write it in a notepad . To summarize, you will see what you could do without, what you can save on, exactly how much money you need to live, and how much is left after deducting these mandatory expenses for the piggy bank.

A nice bonus: the question “Where is the money, Zin?” there will be no more - everything is counted and recorded. And remember: this is not about turning into a cheapskate and the main miser in the area, but about learning distribute funds wisely .

How to save money - basic principles, options and recommendations

• Calculate how much money comes into your family piggy bank every month. Even if the work is piecework and at home - average income easy to calculate. Add up all income, including both spouses’ salaries, pensions/benefits (if any), “hack jobs” and “hacks.” Divide the funds according to mandatory expenses (see above), and hide the remaining money in the piggy bank that is closest to you - in a stocking, under a mattress, in a bank, in a savings book, in a safe or in the family sugar bowl in that corner of the sideboard.
• When going outside (especially for groceries or stress shopping), leave just enough cash in your wallet so that you have enough for the essentials on the list (write the list in advance). The rest is “under the mattress.” Extra money in your wallet is a temptation to spend. And don't go to the store plastic card. With a card it is impossible to limit yourself in your desires - “I also need something sweet for tea”, “oh, but there’s only a kilogram of powder left”, “I should buy sugar in reserve while there’s a discount on it”, etc. “Plastic” - only to withdraw cash!
• Pay yourself and only then pay everyone else. What does it mean? When we receive our salary, we don’t have time to hold it, dear one, in our hands. First we pay housing offices, then schools and pharmacies, we leave a significant portion in grocery stores, etc. And only then we scrape together crumbs from this pie for ourselves. Do the opposite (after all, you deserve it): when receiving a salary (bonus, benefits, etc.), save 10 percent immediately (before you are shaken by new covers for chairs in the classroom and increased tariffs for sewerage)! Preferably, go straight to the bank at interest. This will limit your access to funds (you will not be able to withdraw them at any time under the contract), increase your income (not much, but pleasantly) and provide a resource that will gradually grow and strengthen.
• Have you decided to save? Save up! But do this regularly, without fail and no matter what. That is, every month 10 percent of all income should go into the money box. Don't have enough money for holiday food? Or as a gift for a child? Or have your utility bills gone up again? Search additional method earnings. But don’t touch the moneybox: they put the money aside and forgot about it (for the time being).
• The only reason you can take money out of a piggy bank is opportunity to increase these funds (education, image and other “for the future” items do not apply here). But there is a necessary condition - a cash airbag. It is equal monthly income, multiplied by 3. This amount should always be in your piggy bank. Take everything that is above and increase it.
• If the piggy bank constantly tempts you to buy a hammer, and the money under your pillow rustles so temptingly - take the funds to the bank . This will save you nerves and protect yourself from temptations. The main thing is not to invest money in the first bank you come across (which will go bankrupt in a month) and not to fall for the “hot interest rates” of the next “MMM”. The rule “the hen pecks every grain” has not been canceled. Better is small interest and confidence in the safety of funds than cosmic interest “for seeding” and saying goodbye to your money.
• Learn to value yourself, your work and money , which, unfortunately, no one rains down on you from above. When buying an item, calculate how many hours of labor it will cost you. Is she really worth it?

And one more piece of advice: never borrow, take out loans or steal from your parents until payday. Learn to make do with what you have and tighten your belt during the period of forced savings.

Trends in the development of financial and economic relations have led to widespread development consumer lending and disputes regarding where it is best to keep money. More and more more people are tempted by the opportunity to quickly and easily purchase something they like, hoping that subsequent loan repayments will not be burdensome compared to their overall expenses.

However, over time it turns out that the amount paid to repay the loan turns out to be much greater than initial cost purchases. In addition, it often turns out that while a considerable part of the family budget, and also time, is still spent on repaying the loan, the desired acquisition has ceased to please and has even lost its consumer value. That's why it's so simple financial transaction How to save money - in a bank or otherwise - is the basis of financial well-being and confidence in the future for a person of any income and for any family home.

How to save money faster?

Most people find it psychologically very difficult to both constantly save a certain amount of money and resist the temptation to go beyond planned spending. Successfully solving the problem of how to save money at home is not so difficult if you adhere to a few fairly simple but mandatory rules.

1. Clearly determine what you need money for (purchase of a car, financial airbag, payment for the purchase of a house, etc.) and it is better to make this particular goal a priority in your spending;
2. Estimate the amount required and the approximate period when you may need this money.
3. Take into account expenses every day, preferably saving your debt receipts, which will allow you to better plan your family budget. Shouldn't go beyond necessary expenses unless emergency circumstances force it.
4. Every month, put at least 10% of your income into a “piggy bank” in a secluded place at home, while adhering to the rule: first of all, we pay ourselves, that is, we plan and carry out expenses only after the required amount of money has been set aside for accumulation.
5. You should set aside all savings that come outside of the plan (earnings, cash gifts, etc.). A significant addition to your savings can also be the addition of all the metal coins found in your wallet.
6. You should go to stores only with a list of planned purchases and strictly adhere to it. It is also better not to pay in the store with salary cards, and especially with credit cards.

Before the required amount is collected, it is better to have minimal contact with the accumulated money in order to avoid the temptation to spend it on anything. As they say: out of sight, out of mind. Don’t tempt yourself with unnecessary spending, then your money will be safer and you will feel financially secure.

Bank or bedside table?

Although the simplest Bank operations are familiar to most people, many of them are not inclined to trust banks and store available funds money at home. The main reason for this is the fact that even in the most reliable bank, withdrawals will require some time and some formalities, and the need for money can be very urgent. In addition, it is not uncommon for a bank to stop returning deposits due to a number of circumstances (for example, bankruptcy or revocation of a license). However, when choosing where it is better to save money, you should take into account that:

• bank deposit is protected from theft, loss in case of accidents or natural Disasters, and in case of bankruptcy, the state guarantees the investor the return of savings within 700 thousand rubles.
• banks offer very attractive deposit programs that allow you not only to better save money, but also to increase it.
• the impossibility of free and round-the-clock access to one’s deposit, especially in foreign currency, disciplines and prevents its misuse.

Obviously, when choosing where to save money, the ideal solution would be a balanced combination of both methods. Experts believe that you should save at home an amount approximately equal to your average monthly expenses. At the same time, you need to remember that apartment thieves are great at finding money hidden in the most secluded places, and it is best to keep your savings and other valuable items in a safe at home. More large sums money should be issued in the form of a bank deposit.

Bank savings rules

In order to join a bank, you must first of all choose the right banking institution and form of deposit. A natural and obvious solution would be where you already have an account, or have a salary or other card. However, in order not to lose money and make it work better for yourself, the following circumstances should be taken into account:

Having chosen a reputable institution and a suitable deposit program, you should carefully analyze the content of the proposed agreement. As a rule, the higher the interest rate offered, the shorter the deposit period should be. The conditions for urgent and early withdrawal deposit, its maintenance, interest calculation scheme.

Since deposits with the possibility of replenishment, as a rule, offer low interest rates, the most effective scheme for how to save money in a bank would be the following:

1. After accumulating a certain amount at home, a deposit is opened for a period of 3-6 months.
2. The accumulation continues, and at the end of the term of the first deposit, a second one is opened, on which the deposit withdrawn from the deposit, the interest on it and the new amount of savings are placed.

If possible, several such deposits should be opened, which will provide both a good return on the money invested and the ability to quickly access them if necessary. In this case, you will be able to reinsure yourself against unforeseen situations, and lack of money will not affect you. The only thing better than confidence in the future is financially independent confidence, so it’s worth it right away so that you don’t have to regret thoughtlessly spent bills.