An acute or chronic problem of lack of moneyperiodically affects almost every one of us. In search of an exit from it, we ask for money from parents, borrow from acquaintances, take bank loans, etc. The problem is temporarily solved, but its cause remains unchanged. What is the reason? In that our expenses are trying to exceed revenues, hence the lack of money. Debts, growing in geometric progression, stresses, anxieties and bad mood, the search for the guilty - a sufficient reason to think about how to learn how to save money. What needs to be done to suffice not only for everyday needs, but also for achieving long-term goals, for fulfilling desires that have a material form?
Why save money
Most likely, you already have interesting plans forthe acquisition of something at a considerable cost. Perhaps it's a new car, a cozy apartment, new home appliances, expensive furniture, a diamond necklace or a trip abroad. The more specific and specific your goal, the easier it is to move. Maximize visualize your goal, imagine yourself in it: driving a car, on a tourist trip, etc. It's necessary to dream! Your goal will not be achieved unless you set a clear deadline for it. Make a schedule of savings and keep it in front of your eyes, mark the steps that have already been made, enjoy the progress. In addition to pleasant dreams, the goal of your savings can be more important life goals, such as creating a financial cushion for unforeseen situations, pension savings for old age, savings for teaching children.
Where to take money for accumulation
Money for savings is taken from there, from whereyour daily expenses are also financed: wages and incomes from own business. If your income is limited to wages, then set yourself a certain percentage, which you will save in your "piggy bank." This should be an amount that will not cause you considerable discomfort and a feeling that you are infringing yourself in everything. If the profit from business is your main source of income, you can also set a percentage or direct a certain amount of money monthly. Minimum should be at least 10% of wages and other income. Practice shows that if you do not immediately postpone part of your earnings after they are received, then at the end of the month you will have nothing to direct to savings, everything will go into everyday expenses. If there is an opportunity, then you can postpone and more - 20-30% of income. Special attention should be paid to the revision of your expenses towards their reduction, but this is a topic for a separate discussion. If you want to save more, look for sources of additional income. Well, when your income is diversified, that is, it consists of various income, then if one of the sources is lost, your standard of living will suffer less.
Where to store savings
The easiest way for small-sizedsavings - ordinary envelopes. If you postpone for several purposes, then there will be several envelopes - according to their number. The advantage of this method is its simplicity. But if your willpower is too small, then this method will not work, there is always a temptation to "take a little." If you save for large acquisitions (car, apartment, etc.), the best way to accumulate is to contribute to the bank. And it should not be a bank card, with which you can easily withdraw money, and a deposit account. Go around the surrounding banks and pick up your time deposit. Depending on your goals, it can be for six months, a year, three years, etc. This deposit must be able to replenish the account and disadvantageous conditions for early termination. When the account is at the level of hundreds of thousands of rubles, you need to think about diversification: open several accounts in different banks, a foreign exchange account, start investing in mutual funds, etc. There is no way to do without a financial consultant. It's definitely not worth saving if you want to maximize the efficiency of your investments. If you streamline the attitude to your money in such simple ways, you will understand how to learn how to save money, which in the end will allow you to achieve financial independence and bring the fulfillment of your desires closer. You dream about it?
