The purpose of accumulating money. Passive income and money saving techniques. We only spend cash

Hello, friends!

I am a strong believer in planning, saving and saving money. My family went through different times, but I could always build family budget so that it covers the obligatory expenses, and the money remains for our hobbies.

Until now, one character trait helps me in this - the ability to save. But I am also concerned about one question: how to save money correctly? Emphasized on the word “right”.

Definitely save. But the answers to the questions: why to do this, how and where is it better to save money, I will give in the course of the article.

It is a delusion that only wealthy families can be engaged in accumulation, and with a small salary, this is unrealistic. Before agreeing with these words, read my article on maintaining a family budget (further in the article there will be a link to it). It is possible that you will reconsider your approach to finance and wonder if everything is so bad in your wallet, or is it just a spender who has settled there.

“I live paycheck to paycheck. What kind of accumulation are you talking about? " Familiar words, isn't it? How often do I hear them when I talk to people about the future. And this is not necessarily a distant future (for example, a pension). This also applies to quite similar goals. For example, saving up for an apartment, car, or a vacation trip. And I hear these words not from low-income people, but from people with decent earnings. What is the reason for this “optimism”?

There are several reasons:

1. A high degree of mistrust in the state, in general, and banks, in particular, rooted in our past.
2. Insufficient development of many market-based instruments (for example, housing bond loans) that allow citizens with modest incomes to save money.
3. Russians do not know how to save money. It is a fact. Level financial literacy in the country is very low.
4. Self-doubt, self-inferiority complexes.

It is not in our power to influence the first two reasons, but the third and fourth reasons can and should be fought. Let's learn how to effectively save money and develop this useful habit anytime, anywhere.

You will say that it is good to write an article and teach all the methods of accumulation. Intellectually, we all understand that this should be done. But how can you force yourself to save? But this is already psychology. For some it is easy, for some it is difficult. Let's come up with powerful incentives to get us to do this.

1. We will learn to live not in one day, but to think about the future, even if the first time is not so distant. Appetite comes with eating.
2. We will be able to plan large purchases in advance without expecting a large bonus or grandfather's inheritance.
3. We will master financial discipline, which will increase responsibility in other areas of life.
4. Let's learn to live economically and not spend all the money we earn on unnecessary purchases.
5. We will gain inner peace and peace of mind, because with the acquired skills, we will survive even with a modest income.

For example, even one point is enough for me to seriously think about the issue of increasing and preserving the family budget. And you?

I also believe that saving part of your income every month should not be on a leftover basis. Today I have money - I will put it off, tomorrow I will not - I will wait. This will not work. Immediately after receiving the monthly income, we take some part of it (for example, 5 or 10%) and set it aside. Only this way and not otherwise.

How to start saving from scratch: step by step instructions

I hope you are energized and clearly understand the need for accumulation. How to start from scratch? Here step-by-step instruction for the absolute beginner:

1. Correct installation.

The mental attitude is a powerful thing. Become your own psychologist. Here's what will help you get in the right mood:

• write down or draw on a piece of paper the goal of accumulation. For example, a new phone, a trip to the sea, etc. Hang it in a prominent place (refrigerator or mirror);
• every evening, before going to bed, imagine in your head that you have already purchased the desired item. Draw vivid images of what you will do with it, what friends and acquaintances will say, what you will feel;
• write yourself a savings plan for a year or several years in advance. For example, if you save 5,000 rubles every month, then in 12 months it will already be 60,000 rubles. least.

2. Maintaining a family budget.

This is the 2nd step towards saving money. We talked about it in detail in the article on the family budget. The main points that you should take away from the monthly family budget:

• a clear understanding of where the money goes;
• the allocation of mandatory and optional items of expenditure;
• creating a savings plan;
• calculating the approximate amount remaining from your income at the end of the month.

3. Developing a habit.

To achieve your goals and get tangible results, you need to turn the desire to save into a habit. Many people complain that they cannot save money. What to do? Develop this useful skill in yourself. Sometimes through “I can’t” and “I don’t want”.

Here are a couple of tips.

Council number 1... Make it a rule: every month from any amount received, set aside 5 - 10%. This is the minimum threshold. Can you do more? Go for it.

The main thing is not to give yourself any indulgences. You must set aside this amount before you start spending the received salary. Not later at all. There will always be excuses that you need to buy a very necessary thing, etc.

Is your salary too low to save? Not true. The amount of 2,000 rubles. with a salary of 20,000 rubles. will not save you, but with a monthly accumulation it will turn into at least 24,000 rubles. in year. And this is on condition that you keep this money at home, which is not recommended.

Council number 2... Come up with a punishment for not putting money into the funded part. For example, deprive yourself of sweets next month. At the same time, improve your health.

4. Choose an option for saving money.

What financial institutions offer us today:

• ruble or foreign currency bank account (savings or deposit),
• plastic card with interest accrual,
• metal accounts,
• individual investment account.

We'll talk about them in more detail in the next section.

Money saving options

So, we have embarked on the path of saving and increasing our finances. The next question that needs to be resolved for oneself is “what to save”, that is, what kind of savings to choose. I'll make a reservation right away that I'm considering tools for beginners. I think that advanced in financial plan people don't need my advice.

Money should work the same way as we do. Even small amounts should not lie under the pillow, but should generate income for the owner. What are the possible options?

Savings account

It is a mixture of a checking account and a deposit. At any time you can come to the bank and withdraw the required amount... Interest is charged on it, but small.

For example, in Sberbank on the "Manage" deposit - up to 3.8%. "Comfortable" deposit in Rosselkhozbank - up to 4.3%. As you can see, the picture is about the same. The percentage also depends on the conditions of accumulation. Each bank has its own.

It is very convenient if you open a savings account in the same bank in which there is a current account (for example, a salary account). Money can be transferred from one account to another for free.

Plastic cards with interest accrual

We have already considered the advantages and disadvantages, we also figured out. They allow you to get more high interest rates to the account balance, plus return cashback from each purchase. But it is imperative to study the conditions for calculating interest. As a rule, the account should have a minimum balance every month.

Bank deposit with a minimum balance

Why is it interesting? Higher interest rate, compared to savings accounts. But it should be borne in mind that the conditions for storing money are more stringent. Disadvantages:

• commission for transfers to other accounts,
• obligatory visit to the bank for debit transactions,
• risk of loss of interest in case of early withdrawal.

Which bank is better to open an account with? There is no definite answer to this question.

The largest interest on a deposit in Tinkoff Bank - 7 % ... The minimum amount is 50,000 rubles. If you open a deposit by clicking on this link, you will receive a bonus in the form of 0.5% of the deposit amount.

I also suggest that you familiarize yourself with some of the deposits that TOP-10 banks offer.

Metal accounts

If you do not want to open a ruble or foreign currency account, you can get yourself a “gold”, “silver”, “platinum” or “palladium” one. These are the so-called impersonal metal accounts.

No need to buy bullion. Buy grams of precious metal at any time and for any period. The account will show its equivalent value. You can follow the quotes and sell the metal when the price reaches the desired level.

For example, on April 10, 2018, the cost of 1 g of gold is 2,905 rubles, silver - 35.86 rubles, platinum - 2,034 rubles. and palladium - 2,039 rubles. (Sberbank of Russia).

Individual investment account

What is an Individual Investment Account? This is a special account where you deposit money. And then you entrust the management of them to the bank's specialists. Your funds are invested and generate income.

The peculiarity of such accounts is that they are not included in the deposit insurance system. But on the other hand, you can get, in addition to income, also tax deduction from the state in the amount of 13%.

In Sberbank, the conditions for opening an account are as follows:

• the minimum deposit amount is 50,000 rubles,
• term - 3 years,
• the possibility of replenishment - from 10,000 to 1,000,000 rubles per year.

Sberbank invests in government bonds and bonds of large Russian companies.

Gazprombank also offers to open an individual investment account, through which your funds are directed to purchase Gazprombank bonds. An approximate calculation looks like this.

We have considered far from all options for accumulating funds. But others are already associated with significant amounts, so we will return to them a little later, when we have accumulated enough funds for a more serious investment.

My article is not meant for the rich. They have learned to save very well without my advice. Now I am trying to convey a simple idea to people who live with the idea that with their salary you can only survive, not save. This idea is that even the smallest amount will bring a good income over the years. And if this amount is replenished every month, then the result can surprise you.

Here are 5 tips on how to save money with a small salary:

Tip 1... If you want to increase income, cut costs.

How to learn to save money? Read in my article about possible ways savings and put them into practice. Believe it is easy. Especially when there is a goal or a dream.

Tip 2... Don't splurge.

It’s a familiar situation when in a not very wealthy family there are expensive phones, golden gifts for the holidays and mink coats. What drives these people? They want to appear rich. It is believed that these are the most important values. They live one day.

Stop! Do you seriously think that this is the meaning of your life?

Tip 3

Easy someone else's money. They do not need to be earned, they can be spent, but they must be given away. And give back with interest. Take a couple of minutes to calculate how much this loan purchase will actually cost you. Think about whether this thing is so important to you or whether you can live completely without it.

Tip 4... Save 10% and don't indulge yourself under any circumstances.

Both financiers and psychologists speak about the effectiveness of this method. 10% is not much for any family. I have already stopped at this point, but I will repeat it again. Got an income - set tithing aside right away.

Tip 5... Explore possible sources of additional income.

We love to feel sorry for themselves, blame the bosses, the state, etc. What prevents you from changing the conditions in which you suffer, trying to survive? Self-doubt, laziness, illiteracy? We only have one life, and it is, unfortunately, short. We must live it so that all spheres are in harmony: work, finance, personal life, health, rest and self-development.

Not satisfied with the income? Look for additional sources. You can't sit on the couch and lament about injustice. What have you personally done to change something?

I am not a psychologist to persuade someone or instill belief in myself and my abilities. Let me give you an example from my own life. I am 41 years old and have worked as a teacher at the university for 18 years. I have a Candidate of Science degree and the title of Associate Professor. When my salary and the salaries of my colleagues stopped at the level of 15,000 rubles, we faced a choice. What to do next?

And then one of us began to bake bread and conduct master classes online. Another - went to the Far East, where there are not enough professors at the university. The third - she turned her knitting hobby into a profitable business. And I became a copywriter and am successfully developing in my new profession. We changed our way of life in different ways, but we acted. What's stopping you?

Don't make these mistakes, then everything will work out.

At the end of the article, I want to analyze the common mistakes that prevent us from accumulating:

• No purpose of accumulation

You are just saving money, but you don’t know what for. Without a specific goal, you reduce your motivation, it relaxes and after a while you will give up this activity. Checked on myself.

• Postpone by leftover principle

How much is left at the end of the month, I will save as much for accumulation. As a result, you will more and more often face the situation that at the end of the month there will be nothing left.

• Store money in an easily accessible account or at home

You have opened a special account for savings, but it allows you to withdraw money at any time. The temptation to do this in order to buy another gadget is very great. It's even worse when money is simply kept at home. You not only run the risk of wasting them, but also devalue them.

• To save up to the detriment of satisfying obligatory needs

Some people try to save and save up to extremes. They begin to refuse essential purchases. For example, buying medicines or paying for a mug for a child. This can lead to serious consequences. From family problems to health problems.

Conclusion

Is it worth saving money if there is no confidence in the future? If all the economies of the world are in a fever, then one crisis, then another? The answer is obvious. Yes, it's worth it.

Moreover, it is necessary to accustom to this from a very early age, when the child has the first money of his own. A teenager who has been explained how you can save up for a desired item will seem even more valuable after purchasing it on your own. And in adulthood, this skill will help him stay afloat in the most difficult times.

And if you were not taught this in childhood, it is never too late to engage in self-education. Above all, start and stop procrastinating until another Monday. In the comments I will be glad to read about your successes and failures in this matter. Everything will work out.

Passive income impossible without the main skill. You say that this skill is about making money? So you are wrong. Even if you earn more money per month than all your friends and acquaintances put together, but you don’t know how to save money, don’t know how to save money, and most importantly, don’t know the technique of saving money, then your ability to earn will be shattered by the lack of these skills. ...

I think, as you already understood, today we will learn how to save money, master the skills of accumulating money in order to ensure a comfortable existence for ourselves in the future, that is, to acquire investments and create passive income.

Usually in the books it is written that you need to save 10% of money wages for investment. And many even try to do it. However, even just saving money for furniture or a car is obtained by one of the three. If it comes to setting aside money for investments in order to receive passive income in the future, then here is an approximate ratio of one to twenty.

The main reason is that savings articles and books are basically about convincing people about the benefits of saving money. Okay, half of those who read the book or article agree that it's good to postpone. And the question arises, how, in fact, save money? Here the majority of people stumble.

Turns out, simple tips do not work in practice for most of the population. This is akin to advice on how to learn to swim or drive a car. What's so difficult: "Jump into the water and swim", or "Turn the steering wheel and step on the gas." Swimming is good for your health and driving skill saves time. Some can learn to swim or drive using this method. Others require a more detailed and step-by-step guide.

Therefore, let's take a look at the postponing technique in detail and step by step. Here I am already assuming that you believe that saving for investments is very beneficial, as well as at least general outline you know money saving techniques.

So, if you get down to business, how can you learn to set aside money for investments, so that in the future they bring you passive income and give you confidence and peace of mind in life:

Rule # 1

If you do not know exactly where exactly you will put your money for investment, then you will definitely spend it. If you know exactly where you want to invest your money, then the probability of successful savings increases several times.

It is quite difficult for a person to simply accumulate "nothing". Understanding is needed. Let's say you have the understanding “I want to invest in stocks”. For example, a person has accumulated 30 thousand. He comes to a broker, and he says to him: “We have a minimum amount of 50 thousand rubles, and to begin with, you will receive a TIN,” a 90% guarantee that the person will spend the accumulated money.

If a person has previously found out how much money is required at the minimum, is psychologically ready to receive a TIN, read contracts, etc., then, most likely, he will be able to set aside the required amount of money and purchase his first investment.

Therefore, rule number 1 - learn more about potential investment or purchase(stocks, your own business, real estate, etc.), decide which one is within your power and liking, and only after that start saving money. Otherwise, I wouldn't have put money on you.

Rule # 2

Take the steps you can take. Walking too wide can rip your pants.

Let me explain with an example, if you spend all your money on clothes and trips to cafes and trips to visit, and you cannot even save up for furniture or repairs, then you can hardly save for investments right away. Let's say you can't put off several months for a large purchase that you can use right away. Will you be able to save on investments that will start to pay off in a few years? I do not believe. You, I think, too.

Try to feel the joy of procrastination. Save yourself a few months for a big purchase. Enjoy this purchase. Buy yourself a laptop, go on vacation, pay for your studies. Perhaps you will like saving, and then you can save for investments.

Rule # 3

Save more.

No matter how I read a book by a foreign author, I see the most stupid and non-working advice I have ever seen. This is advice to save 10% of your income. And they say: "This amount is small, you will hardly feel a decrease in budget revenues." That's how it is, leaving 90% of income, you can live without much stress. Only here they do not say that there is practically no progress in sight. And the visibility of progress for a person is much more important than a small amount of saving money.

Calculate how much it is - 10% and estimate the amount that will be in a year or two of postponing? This amount does not inspire anyone, whether it is a purchase good car or investing. Let's say a person starts saving 10% of their income. It takes a month, two, six months - and, practically, no progress towards the result is visible. What's happening? The answer is obvious, the person will quit saving money.

Putting aside 10% of your income is the most inoperative advice on the list of the most inoperative advice.

Then what to do? Much more needs to be saved. How many? I can tell you that progress is visible, then 30-50%. Better yet, 70%. Immediately I hear objections: "I can't postpone 10%, but you say 50%."

This is the whole point, it is easier to postpone 70% of income once than to save 10% for 7 months. If income is really not enough, then find a part-time job, raise the level of professionalism, change jobs - in general, water does not flow under a lying stone. I have a book "How to earn 3 times more than now." In it you can find a lot of tips on how to increase your earnings.

All the major acquisitions I know of and of all my friends, be it a car, an apartment, or a new sofa for a pensioner, took place in a forced mode. I repeat once again that it is easier for the psyche to make a major purchase or invest money for a year or two than to save 10 percent for 10 years. I will say even more, the strategy of postponing "little by little" is generally inoperative. Forget about her.

Rule No. 4

Make the savings happen by themselves, and the spending of money with difficulty.

A person often overestimates the strength of his will and underestimates the impact on him of the environment.

A small example, not quite in the subject. There is a person who smokes a pack of cigarettes a day. (20 pcs.) He cannot quit smoking, despite understanding the harmfulness of this habit. This person comes to the sanatorium, where he is accommodated on the 4th floor. (Example taken from real life). Smoking in the sanatorium is allowed only on the street, and to smoke, you have to go down from the 4th floor. The next question is, how many people will smoke cigarettes per day? Ponder your answer carefully. - He began to smoke 3-4 cigarettes a day, and did not feel much discomfort at the same time. This is 6-7 times less. It turns out that it is enough to change the external conditions, and the results will change almost magically. - We do not control ourselves, but external circumstances control us. But we can change these external circumstances! When I realized the full power of this principle, my life became much easier and more efficient.

Then let's build our own system so that it is easy to save money and hard to spend. Building even a simple system is volume for an entire article or even a book, but let's briefly use the example of saving money.

For example, if you have a habit, having received money, carry it all with you in your wallet, then you will spend more money than if it remains at your home, and you take with you as much as you need. It doesn't matter if you are a good person or a bad person, whether you want to procrastinate or not. It's just a law of nature. Accordingly, having learned not to carry all the money with you unnecessarily, you will certainly be wasting less.

The same can be said about a bank card, it is the same as carrying your entire salary with you at all times. More than once I have already heard from friends that they began to transfer money to a card, so the money began to be insufficient. I'm not even talking about a credit card, where you constantly carry all the money with you, and even without noticing, you can take other people's money on credit, practically without effort. A credit card is generally a devil tempter in financial affairs... For personal finances, the habit of using a credit card is the same as the habit of drinking and smoking a lot for health.

Therefore, an obvious conclusion follows, from credit card you need to run faster than the plague. Salary card(if there is one) it is also better to throw it away, and use only the usual bank account... (Although, however, some spend less on cards than cash. If so, use it. The only question is whether you are not engaged in self-deception).

Let's come up with another step to make saving money easier. And what if you don’t receive part of your salary, but immediately from work it will be transferred to the bank account where you save money.

What if bank agreement give to another person? But what if you open a bank account, which is far from being reached? But what if you develop the habit of saving money right away when you receive money. What if ... You can come up with some rules for yourself. The principle is the same, to make spending money as difficult as possible and to make saving money as easy as possible. (not with willpower) You can think in your spare time how this and similar principles are implemented in a piggy bank, in a supermarket, etc. Then choose a few principles for yourself and implement them.

Rule No. 5

Practice saving money.

The ability to save, like any skill, requires mastering and some effort to maintain it. Some were taught this in childhood, and some still have to learn it.

I suggest that you set aside about 2 months to master the skill of saving, and again about once every 3 months, set aside a week to maintain it.

Sometimes I read about savings, about what you need to save on large purchases, for example, buying a car cheaper, driving it longer, etc. In principle, I agree, but large purchases are not suitable for training. They happen every few months or years, and we need daily exercise.

Daily spending is much more suitable for training economy. What exercises I used and I suggest you.

1. Find and select one quote on the benefits of savings. Re-read this quote daily, meditate on it for 5-10 minutes. For example, I liked the quote “Not frugality - proof of complete business unsuitability, naivety and stupidity. A person who has not proven that he can handle money should not be taken seriously. " However, this is my quote. Choose the one that you like best.

2. Make yourself a saving plan and re-read it every day, supplement it by analyzing daily expenses. The actions in the plan should be as simple and specific as possible. For example "-Not more often than 1 time in 2 weeks to buy this and that, stop going to a cafe for lunch, etc." After a while, there should be a dozen or more of such points. Do not try to write everything in a plan in 1 day. The points of the plan should come from the analysis of daily expenses and thoughts on this matter. Do not try to carry out the plan right away, just re-read it - this is a kind of self-hypnosis. Gradually, if you analyze the expenses and re-read the plan every day, the saving actions will begin to happen on their own.

3. Take some of your daily spending and multiply by 365 days a year, and let's say another 10 years. Then you will understand the true value of your daily habits. It was after doing this exercise 15 years ago that I started saving money. I had no housing, and I constantly whined how expensive it was. However, I had a daily habit of eating a hot dog and drinking a bottle of lemonade after work. When I recounted several times how much this habit, not at all necessary for life and unhealthy, costs me over 10 years, I was somewhat surprised. This is about 150 thousand rubles. in 10 years. And I still had habits, and more than one. Besides the daily habits, there were also weekly and monthly habits. After a couple of months of such calculations, I stopped whining and began to save money. And after 2.5 years I bought myself an inexpensive room. This is not a one-off exercise. To achieve the effect, it must be done daily.

Rule No. 6

Don't get hung up on saving. Remember that saving is a very important skill in dealing with money, but at the same time, only one of several basic skills.

Let me remind you that in the very general view there are three skills for money management. First skill is to be able to make money.

Second skill in accumulating money, that is, in ensuring that the expense is always less than income.

The third skill is to save the money received, and, if possible, increase, which is usually called investing.

The huge advantage of the economy skill is that it can be mastered by any person of any profession, age, and ability. There are a lot of examples in front of me when grandmothers, living on one pension, help their children, whose income is 3-10 times higher than her pension. Mastering one skill is great. You can devote several months or even a year to developing savings. However, it is advisable to have a minimum of mastery of all three skills.

Rule No. 7

Separate the concepts of saving and saving money.

In this article I write about the technique of saving money and try to use the word economy less often. In principle, they are one and the same, only recently they began to put a completely different meaning into the word “economy”.

Here are a couple of examples.

Anecdote: A wife comes home and says to her husband: “Dear, today I saved 3 thousand rubles in our budget. The husband asks: "How is it?" Today I drove through a red light several times, but I have never been fined. And with the money I saved, I bought myself a skirt.

Well, another example. I quite often see how families "save" by going to remote hypermarkets, where they buy food 10-15% cheaper than in nearby stores. Suppose a family is allocated for the purchase of food, households. goods, etc. 10 thousand rubles, then the savings should be 1-1.5 thousand rubles. Accordingly, after the family began to buy food in a cheaper store, an additional 1-1.5 thousand rubles began to flow into the bank account every month.

Of course, you understand that this does not happen in 80% of cases. Then where are the savings? The money is simply redistributed to other commodities. In the example with a hypermarket, other products are simply bought, as a rule, more expensive ones, and some are spent in cafes, transport, etc. In most cases, with such "savings" even more money than buying at your nearest store, let alone taking time.

Therefore, when they say “I saved,” always ask yourself the question, where is the money saved, show me?

Well, I briefly talked about how to save. Combined with a knowledge of saving methods and an understanding of its usefulness, you can easily learn this skill in a few months.

Best regards, Rashid Kirranov.

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 intercept before the paycheck, or a serious amount is required, you can. But you take someone else's, and, as you know, you give yours. Not to mention interest and other costs.

Is it possible to save money without getting into debt? How to save money competently?

Controlling expenses - saving money correctly

Family budget accounting - the first task. Especially if you do not plan to accumulate funds on your own, but in the status of a family person. Cost control involves keeping track of all monthly utility bills, purchases and additional costs.

The main costs, and how to save on them:

• Rent bills, electricity, internet, telephone.
  Of course, you won't be able to save much money at this point. Although, if you try very hard, you can reduce electricity costs by timely turning off the lights and unnecessary appliances (+ energy-saving bulbs), and on the water (by putting meters). As for the phone with the Internet, you can choose the most affordable rate. For example, if you call from a landline number once every two months, then you don't need "unlimited".
• Clothes, shoes.
  Outerwear and shoes do not need monthly updates. Yes, and from the twentieth blouse in the closet, as well as from the 30th pair of pantyhose "in reserve" and the next set of underwear according to the scheme "How beautiful! I want, I want, I want! ”, You can do without. Before you buy a thing, think about it - do you really need it, or does the apocalypse not come if you leave it in the store? Wait a day or two. A week is better. Chances are, you will find that you can do fine without her. Another option is to open a separate account specifically for clothing expenses and only withdraw funds when absolutely necessary.
• Nutrition.
  The very item of expenditure on which funds should be distributed immediately for a month in advance. Otherwise, you risk sitting on Chinese noodles for the last week before your paycheck. The second (and most important) nuance is children. Living in your lonely pleasure, you can easily save on food - drink tea without sugar, do without spices, sauces and delicacies, etc. But children need full nutrition. Therefore, funds for food should always be available.
• Transport.
  With regular trips, it is more profitable to buy a single pass, instead of a taxi, you can use public transport, and a couple of stops to point A can be walked on foot (at the same time, lose a pound of extra centimeters and supply the brain with useful oxygen).
• Unexpected expenses.
  Funds for medicines, in cases of force majeure (a tap 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 you know, is unpredictable, and it is better to be safe from unexpected "gifts" of fate. Read also:
• Entertainment, rest, gifts.
  If you have set yourself a goal - to urgently save up for a really necessary thing, then you can postpone the entertainment. Or remember about entertainment that is available even with a minimal amount on hand.

All expenses per month write in a notebook ... Summing up, you will see - what you could easily do without, what you can save on, how much money you need to live, and how much remains after deducting these mandatory costs for the "piggy bank".

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 becoming a mean and the main miser in the area, but about learning properly distribute funds .

How to save money - basic principles, options and recommendations

• Calculate - how much money comes to your family every month. Even if the work is piecework and at home, the average income is easy to calculate. Add up all income, including both spouses' salaries, pensions / benefits (if any), hack, and shabbat. Divide the funds according to the 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 account, in a safe or in a family sugar bowl in that corner of the sideboard.
• Going outside (especially for food or shopping from stress), leave exactly the same amount of cash in your wallet , so that you have enough for the essentials according to the list (write the list in advance). The rest is “under the mattress”. Excess funds in your wallet are a temptation to spend. And don't go to the store by plastic card... With a card it is impossible to limit oneself in desires - “and you also need sweets for tea”, “oh, but only a kilogram of powder is left”, “I ought to buy sugar in reserve, while there is a discount on it,” etc. “Plastic” - only for cash withdrawals!
• Pay yourself and only then - everyone else. What does it mean? Receiving a salary, we do not have time to hold it, darling, in our hands. First we pay housing offices, then to schools and pharmacies, we leave an impressive part in grocery stores, etc. And only then we scrape together the crumbs from this pie for ourselves. Do the opposite (after all, you deserve it): when you receive your salary (bonus, allowance, etc.), 10 percent immediately (until you get shaken up with new classroom chair covers and higher drainage rates) save! Preferably, immediately 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 agreement), increase your income (not much, but nicely) and provide a resource that will gradually grow and strengthen.
• Have you decided to save? Save up! But do it regularly, without fail and in spite of everything. That is, every month 10 percent of all income should go to the "money box". Not enough money for a holiday cervelat? Or for a gift for a child? Or bills for utilities grown up again? Look for additional way earnings. But do not touch the money-box: they put aside the money - and forgot about it (for the time being).
• The only reason you can get money out of a piggy bank is opportunity to increase these funds (education, image and other points "for the future" do not apply here). But there is a necessary condition - a money airbag. She is equal monthly income multiplied by 3. This amount should always be in your piggy bank. All that is from above - take and multiply.
• If a piggy bank constantly tempts you to buy a hammer, and the money under the pillow rustles so seductively - bring funds to the bank ... This will save you nerves and save yourself from temptations. The main thing is not to invest money in the first bank that comes across (which will go bankrupt in a month) and not to fall for the "bad interest" of the next "MMM". Nobody canceled the rule "a chicken pecks by the grain". Better low interest rates and confidence in the safety of funds than space interest "for seed" and parting with your money.
• Learn to value yourself, your work and money , which, unfortunately, no one pours on you from above. When buying a thing, calculate how many hours of work it will cost you. Is she really worth it?

And one more piece of advice "for the road": never borrow, take out loans and do not intercept from your parents until payday. Learn to get by with what you have and tighten your belt for a period of forced savings.

Learning how to accumulate money correctly is important for everyone, even those who receive a small salary. In order not to borrow until payday and be rich, you need to follow simple rules.

Most people in Russia today are financially illiterate. This is constantly used by banks, credit firms, sellers, scammers and many others. Even people who seemingly receive decent salaries fall into credit bondage and are forever without money. What can we say about those who have small paychecks - poor students, pensioners, young mothers ...

To break the vicious circle of lack of money, it is important in everyday life to use simple rules of financial management, which will help to accumulate money.

Savings will keep you safe from emergencies. Plus, if you're saving money, you won't have to give up unexpected exciting opportunities in life.

The basic rule of wealth is very laconic: "Spend less than you earn." Just four words. It would seem, what could be simpler? But for some reason, for many, the opposite is constantly happening.

How to accumulate money even with a small salary

Let us analyze what methods will help to implement the main rule of a rich person and start really saving money.

1. Keep track of your budget

If you are going to save money, then it is important to start keeping a family budget. Don't mindlessly spend money shopping and paying bills, but keep track of all your expenses for a month.

This way, you will be able to understand how much money was wasted, and on what you can save next month without much harm to the family.

In addition, in a couple of months you will know exactly how much money you and your family need for a normal existence, and how much you can put in a piggy bank.

2. Live on the same amount

If you have already calculated how much money your family needs on average per month for a normal life, then you need to fix this amount. It's no secret that we have easy money from time to time. Someone is given a bonus, others have additional earnings, or maybe you finally managed to move up the career ladder, and the salary increased slightly.

Rest assured that as income rises, expenses will tend to rise. So you won't be able to save money again?

You need to install for yourself fixed amount money that you will spend on life every month, even if easy money appears. Better to postpone right away additional income, leaving only the necessary fixed amount for life.

3. Save 20 percent of your income

If difficulties arise with the determination of a fixed amount necessary for a normal family life, then you can use more in a simple way accumulation of money. Immediately after receiving any income (including easy money) save 20 percent of the money you receive. Moreover, it is important to do this not at the end of the month, but that hour! If you postpone this important matter for later, then rest assured that the money that you planned to save will probably already be spent.

How to learn to save money in order to save?

Understand a simple thought: everyone is trying to make money off of you. Even when you yourself earn money in the service, your employer profits from your work. In modern life, you are constantly hunted by those who want to take your money away. Thousands of marketers come up with clever schemes to take away your money in such a way that you will also be happy when you part with your hard earned money.

To avoid this, you must try to follow the following principles.

4. Simplify your financial life

The more difficult your financial life is, the more time and effort it takes. At the same time, the chances of getting confused and making a financial mistake grow.

How more credits and credit cards, the greater the chance of not noticing the loss of funds or missing the next payment.

Pay attention to the services of your cellular operator... Do you need all the connected paid features? If not, disable unnecessary ones.

Understand the payment of utilities. Calculate the feasibility and size of savings when switching from average tariffs to metering water, gas and electricity. Buy energy saving light bulbs. They really cut down on your light bills.

See what other ongoing "planned" spending can be cut.

It is useful to do this kind of general cleaning every few months.

5. Get rid of the loans with the highest interest rates

Try to refinance loans in other banks at a lower interest rate.

Take advantage of an effective way to get rid of loans. Select the loan that has the highest interest rate and start paying off that debt twice as fast, that is, in double payments. Do this until the debt is paid off. Then add the whole amount of the freed up amount of money that you spent on repayment to the payment of the second debt, until that one is paid off. And so on until all debts are eliminated.

6. Shop with a shopping list

A pre-prepared shopping list with which you need to go shopping will help to avoid spontaneous spending. The point of shopping lists is not only not to forget to buy, but also to not buy too much.

The easiest way is to compose it on a regular paper sheet. For these purposes, you can adapt the "reminders" built into gadgets and, in general, any application where you can make a simple list.

7. Stop using a bank card

Using a credit and even debit bank card makes it difficult to save money. If you are in the habit of paying in stores bank card rather than money, then try switching to cash.

When we pay with a card, we do not realize the value of the money that we give for goods - we entered the PIN code and you're done. And now there are bank cards, which even do not need to be inserted into the terminal. It is becoming easier to pay, and, accordingly, it is becoming more difficult to save and save. In addition, there may be more money on the card than you would take to the store for purchases. There is a high probability of spending more than you planned.

When you go to a store with cash, do not put more money in your wallet than is required for previously planned purchases.

8. Use the 10 second rule for cheap shopping.

Did you see something inexpensive on the counter and immediately wanted to buy it? Keep this thought in your head for 10 seconds and honestly ask yourself the question: do you really need this thing that much? Is it really impossible to do without it? Often these 10 seconds are enough to understand whether you really need a thing.

For high-value purchases, use the 30-day rule. If you want to buy something expensive, do not rush to spend money, but consider the importance of this purchase within a month. Most likely, after 30 days, there will be no trace of your keen desire to buy this thing.

9. Estimate the cost of purchases in hours of operation

In order not to make unnecessary purchases, calculate how much one hour or a day of your work costs. Then, when you buy this or that product, think about whether the thing you are planning to buy is worth the few hours, or maybe days of your labor that you spent to earn this amount of money?

This principle works very well when buying household appliances or other large goods, when the time is no longer calculated in hours, but in days, or even months. Such financial "sobering up" helps not to commit stupidity in the form of buying unnecessary expensive goods.

How to save money correctly

Now that we've got rid of extra spending and learned how to save money from their income, you need to properly dispose of funds

The path to good money management

Divide the free money that appears as a result of all your efforts into several parts at once.

1. Create a financial reserve in case of unforeseen situations. Free money is needed to solve unforeseen problems that arise. It is better if it is cash, so that in case of an emergency you do not have to urgently run to the bank.

2. Open in any of the reliable banks, for example, VTB, a deposit with the possibility of replenishment and partial withdrawal money without loss of interest. Usually, expenditure deposits have a low interest rate, but you will be able to save a certain amount on this account every month and withdraw part of the funds at any time.

3. Checkout term deposit under the maximum favorable interest... This will be useful when you have already accumulated a decent amount. It will not be possible to withdraw funds from such a deposit at any time, but you will be able to accumulate money. Open deposits in rubles, dollars and euros to get even more income if the currency grows in value.

In this article, we will consider the subtleties of saving money. In it I will share tips and secrets on how to save money quickly for an apartment or a car. Information is useful in life, but first, let's get acquainted with the main idea.

According to experts, in order to accumulate a certain amount, it is necessary to save money, draw up lists of upcoming purchases and take a number of other measures. In reality, this approach brings you closer to poverty, and it is impossible to achieve the cherished goal without a new source of income.

The ideal option is when incomes exceed expenses. At the same time, neither impulse purchases, nor habits with whims, nor lack of ability to save will be able to prevent the accumulation of money. Not surprising, since there is enough income to meet needs and accumulate extra money.

Budget planning and savings tools help in life. But often such techniques are demotivating and driven into a dead corner. As a result, the financial situation is getting worse.

I present 10 tips with which you can save money quickly, but I warn you, without looking for additional sources of income, they do not work.

1. Set aside a certain fixed amount every month. It should bring you closer to your goal without compromising the quality of life.
2. On a computer or mobile phone install an application that will help you record income and expenses. By analyzing financial flows, you will be able to properly distribute spending. If you are not friends with computer technology, keep a diary. The result will not change.
3. Think about how to save money to reduce spending. If you often buy things that are useless, but bring joy, reduce spending on them, but do not completely exclude them. Reward yourself for achieving your goal.
4. Don't set goals that are beyond your reach. If you do not have the skills to save money and decide to buy an apartment, the attempt will end in failure. First, focus on achieving small goals, and only then switch to serious ones.
5. Deferred cash should work. Option - bank deposit.
6. Do not lend money. If a person turned to you for help, and not in credit organization, he doubts the ability to repay the loan. Some borrow from a private person so as not to overpay.
7. Pay bills at the last moment. As a result, the money will remain at your disposal for as long as possible and will bring profit.
8. Plan your expenses. Distribute them in time so that they do not overlap and do not drive into difficult situations.
9. Avoid using credit cards, especially if you cannot control yourself. Some, having issued a credit card, immediately empty it. As a result, in addition to the amount spent, you also have to pay interest. This will not help the accumulation of funds.
10. Search actively for sources of income. This item is required. If you ensure the flow of funds, these tips can be ignored.

Here are some simple and effective tips for saving money. Set a goal and go ahead. But in life there are many situations that do not depend on us. Such situations are considered force majeure, and not a rule.

How to save money for a teenager

Some people think of money as rubbish. However, the role of money in life is decisive, this is a fact. It is believed that only independent cells of society are provided with money in sufficient quantities. I disagree with this, as teenagers also have requests.

Teens get more fun for less than adults. Each of us was once a teenager and dreamed of buying some little thing. Over the years, the priorities of young people have changed, but this does not change the essence of the matter. Therefore, I offer a number of tips to help your teenager save money.

1. I do not recommend a teenager to waste money without important reasons. When trying to get something worthwhile, save money, however small.
2. Plan your savings plan. Take a piece of paper and use a pencil to record the planned injections and outflows of money.
3. Limit buying sweets, knickknacks, and spending on bad habits. Instead of visiting a computer club or movie theater, go for a walk in the park.
4. I advise you to store the funds in a place from which it is problematic to get them. A piggy bank is a great option. Make a piggy bank yourself. This will help you put your fantasy into practice, showcase your talents and save money.
5. Usually, a teenager's income is limited to pocket money. Therefore, in order to quickly achieve the goal, try to increase your income. I advise you to get a job as a waiter in a cafe. Such establishments are happy to employ minors with no work experience.
6. Many companies hire couriers - another option for a teenager to earn money. With little time spent, such employment brings good money.
7. Try yourself as a newspaper distributor or newspaper editor. To do this, you need to know your native language, analyze information and communicate with people.

Video Tips

Agree, there is nothing complicated and supernatural in the performance of the listed points. This scheme works. The term for achieving the goal depends on the desire, income, expenses and the amount that you plan to collect.

How to save money for an adult

Not every person enjoys living paycheck to paycheck. Only a person who has a stash can afford a large purchase or vacation abroad. This will require the ability to collect money.

Once you have read the resource accumulation material, you will master the art. As a result, you do not have to run from one bank to another in search of a profitable consumer loan.

• Prioritize correctly ... You may at the same time want to buy a fur coat, change a car and go to the sea. Trying to save money for everything, you are drawing to be left without savings. That is why it is important to define the main goal and move towards it, and after its implementation, switch to other dreams.
• Assess opportunities correctly ... If you earn 25 00 rubles a month, it makes no sense to save money to buy a home in Miami. To begin with, improve your qualifications, get a new job, and only after that you save up funds for the purchase of housing.
• Determine the amount you can save ... Do not deny yourself small joys and little things. Otherwise, break loose and spend the accumulated funds. Experts recommend saving no more than ten percent of your monthly income. This approach is suitable ordinary people... If earning more than the average person in the region, increase the rate up to 50%. The main thing is that the way of life does not suffer.
• Store your savings where it is impossible to pick up quickly ... Option - a bank deposit with a good interest rate and the possibility of replenishment. Usually, in case of early withdrawal of money, the client loses the accumulated interest. I think very few people would agree to lose profit, which was practically in their hands. Do not store savings under the mattress or on deposit card... Unable to cope with the temptation and break free, destroy the stash without hindrance.
• Encourage yourself constantly. ... Having accumulated a certain part of the planned amount, make yourself a present: buy a watch or go to a restaurant. You can please yourself in other ways. Unscheduled day off, meeting with friends, watching TV. The main thing is to get distracted from business and relax. Having accumulated the next part, please yourself again with a little thing. After collecting the entire amount, set aside at least a couple of rubles. The result will be the basis for the next accumulation.

Do not think that it is impossible to cope with the task. In reality, the opposite is true. Set yourself a goal and systematically go towards it. Remember, the key to success is understanding where the money is going. Before you reduce costs, consider whether giving up on a particular thing will harm your life. Waste distracts from the result, but you should not give up everything.

Fate has endowed not every young man with living space or the inheritance of a wealthy grandfather. For young families, buying a home is a priority in life. Do not think that it is unrealistic for a young family to purchase housing.

The cost of a one-room apartment in Russia is several million rubles. Even if you put aside twenty thousand a month, you will have to wait for the cherished moment at least fifteen years. This is provided that housing does not rise in price. There is a mortgage loan, but this is not an option.

Let's imagine that the family grows. As a result, a one-room apartment will not be enough, and the maintenance of a child will not allow much to be saved. Don't forget about financial crises and voracious inflation. As a result, the old-fashioned method of accumulating funds is ineffective.

1. Decide on the cost of your home and think about the approximate purchase time. The Internet, street ads and printed editions.
2. Analyze income and expenses using a computer or pencil and paper. Throughout the quarter, record what and how much money is spent. Immediately reduce the amount of unnecessary expenses to the maximum, but without sacrificing life. Save the remaining money.
3. Based on the information received, determine the period of time during which you will have to save money. Consider the rise in property values, the crisis and inflation.
4. The grandfather's technique is ineffective. When moving towards your goal, use modern financial instruments.
5. Stock market... This group is represented by financial instruments average yield... Helps to increase savings for a year by a third. The way is risky.
6. Accumulative insurance- a tool providing for the conclusion of an agreement with insurers for different programs. Remember, the group rescues from the crisis and inflation, but does not determine the amount of income.
7. Investments. Investments in mutual funds, pifa, investment programs. The yield reaches 100% per annum. The group is risky, I do not advise using such tools without the skills.
8. Bank deposit- the antipode of the loan agreement. The simplest and most popular financial instrument. Choose the right banking organization with high reliability. Set aside a certain amount every month and use the right financial instruments to increase. Having chosen the right path, buy an apartment in a few years.

Video instructions

How to save money for a car

Personal transportation is not a luxury, but a necessity. The cost of a good car is in the hundreds of thousands. It is not surprising that not everyone can afford the purchase of such a vehicle.

If there is a desire, it is possible to achieve the goal. With family support and creativity, move forward. A little time will pass, and a good car will appear in the garage.

• Decide on the make, model of the car and the period after which the purchase will take place. This will help you find out the amount to be collected.
• Determine the amount you can save each month. Perform simple math calculations by dividing the cost of the car by the number of months.
• Assess your financial capabilities objectively. According to economists, the amount that can be painlessly saved every month is 10-15% of income.
• Open a bank account. Contact the management of the company in which you work with a request to transfer part of the salary to the account on a monthly basis. This will help automate the accumulation of money.
• If you have savings, open a replenishment deposit. As a result, protect your money from inflation, and banking organization will take care of the safety of funds.
• When raising money for a car, refuse or cut down on large spending. Before the onset key point put off big purchases and trips abroad. You can also have a good summer rest in Russia.
• Define a list of required costs. This will help identify costs that can be reduced. We are talking about entertainment and visits to places of entertainment. Walk to work if your office is nearby.

If you don't want to collect money for a car for years, use a car loan. So almost instantly you will become the owner of an iron horse. Only in this case the given recommendations are useless.

How not to save money

The knowledge gained in the article is enough to become an expert in the field of accumulation of funds. However, it is useful to familiarize yourself with the material on negative ways of accumulation.

1. Do not steal under any circumstances. Staying in a not so distant place will not lead to anything good, but will only ruin your life.
2. Trying to save money faster, do not become a swindler, as such activities are punishable. And not all victims try to take revenge with the help of the law, giving preference to physical violence, which will not bring any health benefits.
3. Some craftsmen are so deeply immersed in dreams that they are ready to stand with an outstretched hand to achieve the goal.
4. Don't trade in organs. They will be useful to you. A person can get by with one kidney, but this is not life, and the money earned will still remain in the pharmacy.
5. Debt and credit are not the best solution... Any of the methods will allow you to take someone else's for a while, but in the future you will have to part forever with something of your own, adding interest to the loan.
6. The Internet is full of books that describe the technology of acquiring wealth. Such literature helps only the author to get rich.
7. Without knowledge and experience, do not experiment with stock exchanges.
8. Avoid gambling. The essence of the gambling business is that the casino will always win.

So the article ended, in which I presented tips for saving money quickly. Even if there is no savings, they will help fix the situation. Remember, there have been cases in the world when a person from poverty rose to the highest level without having innate talents and hidden skills. He just wanted to live differently.