Not everyone has a salary level that will allow you to buy your favorite big thing. And 10 best methods of accumulation will help you with this.
10. Savings account
Money has not been stored under a mattress for a long time, and a bank is also not an option. It is better to open a savings account in a bank. It is safe, your money will not be able to steal. In addition, monthly interest will be a nice bonus for you. Take this seriously. On a salary day, deduct a certain amount, do not put off until tomorrow. Tomorrow there will be no more money. What part of the salary you can save, decide for yourself. The main thing is that you should be comfortable living without this money, usually it is 10% of the income. After a few months, you will be surprised that you could accumulate such an amount. Maybe then you will have an incentive, and you will not consider accumulation a waste of time.
9. Better Less Than More
Everyone around knows that to save money you should spend it as little as possible. This is a simple rule, but few follow. You think that living on your salary is not easy, and if you also put it off, then you can generally sit on bread and water. People spend large amounts every day without noticing it. Cup of coffee in a cafe, chocolate bar, ice cream. Your closet is full of things, but every time you buy a new blouse from your salary. It is quite possible to do without these expenses. Nobody calls you to completely limit yourself in everything. But now before you open the wallet, think about whether you really need this thing, or you can do without it.
8. "Zeroing" the balance
Very interesting method. Everyone in childhood had a piggy bank. Someone was saving for skates, someone for a big doll. So get yourself the same piggy bank. Try to “zero out” your balance every evening. If you have an amount of 2529 rubles in your wallet, remove 29 rubles into the piggy bank. And so every day. This method will allow you to save money painlessly. You simply will not notice their absence in your wallet, this amount is so insignificant. However, by the end of the month you will have accumulated a certain amount.
7. Home Bookkeeping
Of course, you have heard about the benefits of home accounting. And, probably, they tried more than once to take into account their income and expenses. But after three days, a maximum of a week later, most leave this venture. People are just too lazy to do this every day. You need to allocate very little time. Choose a convenient accounting method for yourself. Someone likes to use the application on the phone, someone prefers the program on the computer. There are those that are easier to write down all the expenses in a notebook, which is not always convenient. At the end of the month you can see where your money goes. Most likely you will be surprised how many extra expenses you make every month.
6. Nothing more
Accumulating is simple - do not buy anything superfluous. But how to determine what is superfluous when every thing you like in the store seems necessary. Everything is not so complicated here, ordinary planning can help you. Plan your purchases. Review your wardrobe, decide what things you are missing. Buy high-quality clothes that fit together. For products - only with a list, preferably without children. Of course, if you have them. Young children do not know the price of money, and you still have to buy something for them. The best way to avoid the temptation to buy excess is to calculate how much you earn per hour. When you have a desire to buy something, figure out how many hours you will have to work to purchase the desired thing. In most cases, desire immediately disappears.
5. The rule "50/30/20"
This rule of maintaining the home budget provides for the distribution of funds according to the formula "50/30/20". 50% is used for monthly payments: utilities, food, transportation, medicines. Spend 30% of the salary on entertainment, and transfer the remaining 20% to the savings account. If you get paid in cash, try putting the money in three envelopes. Those 20% that you intend to keep, it is better to immediately put on a savings account. With monthly expenses you have to work. Distribute them to all needs, see if you have enough, if not, review your financial plan. Money intended for entertainment can be spent, some of which can be postponed for vacation. Of course, you will not immediately succeed in following this formula, but gradually you will get used to it.
4. Healthy lifestyle
A healthy lifestyle will save you a lot of money. Alcohol and cigarettes are very expensive. And weekly gatherings at the bar are even more expensive. In addition, all this is very harmful to the body. If you can’t give up bad habits in any way, consider how much it costs you. Most likely after that, you decide to try again to lead a healthy lifestyle, this time more successfully. This method has helped many people say goodbye to bad habits, use it also to you.
3. Financial diet
If you still think that accumulation is very slow, turn on the “financial diet” mode. Eliminate all unnecessary expenses, leave only the most necessary. You can easily do without entertainment. Without food, it will be harder. But seriously, you can also save on food. Clothing is also not an essential item, provided that you have something to wear. If you do not have winter shoes, of course you need to buy it. But if you have several pairs since last winter, then you can do without new boots. It just cannot go on for so long. You must have an achievable goal, then you can live in austerity mode for a couple of months.
2. Healthy eating
Well, now about how to save on food. Just eat right, eat healthy. It takes a lot of money to eat, but if you keep records, you will notice that many expenses could have been avoided. Fast food, baked goods, chocolate, chips, nuts - all this is not cheap, and does not bring any benefits to the body. In your diet must be meat, cereals, fruits, vegetables, dairy products. Significantly save will help the menu, compiled for a week. According to it, make a list of products. So you do not buy anything superfluous.
1. Towards the goal
You need to save money for a reason, you must have a goal. No matter what it will be, a new phone or a new car. If there is no goal, then it is very difficult to force yourself to abandon spending. Do not set unattainable goals, adequately evaluate your strength. With a salary of 15 thousand rubles, you are unlikely to ever save up for an apartment worth 2 million rubles. If you do not achieve what you want, you will be disappointed and begin to relate to money as before. On the contrary, if you achieve your goal, you will never again become thoughtless about money.