How to correctly take money for any job in order to stay in a profitable position

How to learn to save money?

People need financial literacy - the discipline to allocate funds effectively. It is interesting that such science is not studied in schools; only specialized secondary educational institutions or universities can learn about economics in general and trade policy. Most people teach themselves by trying to save money every month, snatching it from their salary. Moreover, making a lot of mistakes, denying yourself many things.

Moreover, people do not notice how they spend money pointlessly, buying unnecessary things. Even a meager income, if spent effectively, allows you to update your wardrobe, travel, and pay for school. The main thing is to optimize the budget.

Expert Tips:

1. The art of saving does not lie in simply cutting expenses, when you can’t take anything other than bread, and you can afford new jeans after six months.
2. Keep a notebook, draw a table there and record in detail all your daily expenses. A clear picture will appear of where the funds are going.
3. Discriminate desires. For example, several products are required. Some are necessary: ​​bread, milk and other “long lasting” goods that are used for some time. Others are for the soul: a chocolate bar, a pack of cigarettes. Chocolate is eaten immediately; it’s easier to take a pack of cookies or sweets. They will last a long time.
4. Plan your purchases. When going to the store, mentally imagine everything you need. Make a list and follow it, without taking anything unnecessary.
5. Set a goal. For example, paying off a loan quickly or going on a trip abroad. Consider the goal more carefully and estimate its cost. And start saving.
6. Share any income. 90% is spent, and 10% is saved. An exception is force majeure.
7. Having collected a certain amount, open a deposit and transfer it there. Send 10% to the card every month. Choose a program that charges compound interest. When you need to wait a certain time without withdrawing money and the amount increases little by little.
8. If you have a loan, repay it, then every month transfer money equal to the loan deductions to the deposit.
9. Pay in cash. This way the banknotes are visible and using a credit card is expensive - the bank will charge interest on the transactions performed.
10. Focus your acquisitions in a special notebook.

Important ! There will be no “extra” money, only what you can save. But there are “extra” purchases. Cost planning will allow you to identify them.

You shouldn’t change your habits right away if your income suddenly increases.

The most effective ways to save money

The most effective way to save is to put money in such a way that it is impossible to use it at first. This could be a relative to whom you gave money for safekeeping with the condition that he will give it to you only in case of real need.

Parents perform this role best. But most often, reliable banks are used for such purposes. Before opening a deposit, be sure to ensure that it is insured and that the refund amount exceeds the amount you should receive at the end of the deposit period.

Form a wish

10%. This is the amount you can part with without drastically cutting your budget. Make a rule of a certain percentage, and you will never get into debt. In any case, you will have money set aside for a rainy day.

Only 10%

We present the percentage distribution of money that will slowly but surely allow you to accumulate money. The percentage does not have to be exactly this; change certain points up or down at your discretion:

• 10% of the amount is set aside “for a rainy day,” which can include an unexpected illness, job loss, death or disability of the breadwinner. If the amount is never useful, upon retirement you will have decent capital, for example, for a trip around the world. Yes, yes, it is this 10% that gives Europeans the opportunity for a rich retirement, which makes us worse
• 5-10% depending on vacation opportunities. Thus, you can’t make money on a cruise, but you can cover the lion’s share of vacation expenses
• 10% for unexpected operating expenses. These include ongoing treatment of family members, repair of household appliances, and purchase of new ones if necessary. Some housewives who did not spend this part of the money managed to make repairs at the end of the year. Isn't this an incentive?
• 10-30% is set aside for the desired large purchase. It could be a car, a dacha, or even a new house

Raising money for a dream
When you first read about such a scheme, you are most likely indignant. This is up to 50% of my income? My salary is strictly enough until the next salary. No, it's not for me. Perhaps today is not for you.

The first step is to start keeping a budget, the second step is to look at how you can increase your budget (more on that below), the third step is to see how you can reduce expenses. But then you will see how you will have “reserve” money that you can save.

Saving is hard, but effective

How to save money in the family?

It's easier to plan your life if you live alone. Only your own desires and capabilities are taken into account. Plus, you spend less.

In a family, several people live together. Accordingly, everyone spends money. Starting to save requires a shared effort. You won't be able to save a penny if everyone doesn't follow the rules. For example, the husband made a plan and follows it, and the wife, having visited the store, spent what she had saved up right away. Or the children, begging for expensive phones, ruined the efforts of several months.

What to do:

1. To begin with, gather your household members and tell them the action plan. Make a general list of daily expenses, let everyone make their own suggestions.
2. Plan expenses and take into account incoming money. Many people simply forget how many bills are stored in their wallet. They remember the size of the salary, but besides it there is other profit. For example, furniture was sold, the wife received a bonus, or the son worked part-time.
3. No loans. Pay off the existing one and don’t take any more. Experts consider a loan justified if the duration of its repayment is less than the service life of the purchased item (for example, a car). Or an entrepreneur expands his business by attracting credit funds.
4. Save faster by adding all unexpectedly received money to your deposit.
5. Divide the salary into several envelopes. One will be “utility payments”, the second “daily expenses” (identify the optimal amount), etc. Take into account unforeseen expenses.
6. No emotional purchases. Replace momentary pleasures with long ones. Instead of Chupa Chups, take a package of sweets or gingerbread cookies.
7. Create a menu for the next week. For women, the method will help save time. Buy long-lasting products in bulk, and the rest is easy to pick up every day.
8. Unnecessary little things. The current abundance in stores is harmful. Customers come in and, without noticing, grab unnecessary things: key chains, chewing gum, a bottle of pop. It's easy to do without this.
9. Eat at home more often. Not spent in cafes, restaurants or street fast foods.
10. Buy only quality items. They are more expensive, but they will last longer.

The main secret is family togetherness. If you set a goal that can motivate everyone in the household, they will put in maximum effort.

Counting all income

To correctly assess your own capabilities, you should combine all the income received per month:

• husband's salary;
• wife's salary (if she works);
• part-time job;
• unexpected profit (lottery winnings, selling something).

Everyone’s personal budget is combined to form a family budget. If you subtract all mandatory expenses (housing and communal services, education) and allocate the amount of daily expenses (travel, gasoline, lunch for children and adults), the remaining funds are those that a person can safely save.

Important ! Don't spend your windfall right away. It is better to add it to savings.

Family budget planning and distribution

Listening to expert advice and reaching consensus within the family is not enough. The result will be brought by specific actions that will have to be repeated monthly. It's better to turn them into a habit:

1. Set weekly limits, trying not to go beyond them.
2. Divide the budget into several expense categories and assign an amount to each.

It is inconvenient to set limits for every day; they are easy to break. Sometimes the schedule changes, problems arise, the solution of which requires finances. It's easier to count by week.

List of family expenses:

• food (at home/school/work) – lunches;
• payments (electricity, internet, heating, water, utilities, telephone);
• credit;
• travel (you can separate the category if you have a car);
• purchases (household chemicals, clothing, furniture);
• health (medicines, sports);
• gifts (general holidays, birthdays);
• recreation (cinema, theater, cafe);
• vacation;
• repair.

Put approximate numbers next to the actual ones. Well, if they turn out to be less, then the balance can be returned by adding it to the weekly limit.

Advice ! Distribute large acquisitions by month. For example, you need a washing machine and a new stove. One month to choose a stove, the second - a machine.

Accounting for Compliance with Savings

Having made a list of planned expenses and identified the amount of income, you need to follow the plan every day. If you are a spender, take a minimum of money with you, limiting yourself. In the evenings, write down all expenses incurred. Yours and family members. To do this, start a notepad or EXCEL document, making daily notes there.

Example:

• road (round trip) – 200 rubles;
• bread – 30 rubles;
• lunch – 500 rubles.

Entries will vary. As the week goes by, open them and your spending statistics will be clearly visible. For a family of 2 people, 1 common table is suitable, where both will write down expenses. There is no point in hiding information; you won’t be able to deceive yourself.

How to save money with a small salary

The principles of saving are the same: set clear goals, make a plan and don’t give yourself any concessions.

Analyze your expenses for 2-3 months and remove what you can refuse

Often the volume of unnecessary whims that we allow ourselves is surprising: fast food, bad habits, an excess of children's toys, home accessories, useless gifts. If you exclude such expenses from your budget, you will save that same 10%.

Reduce mandatory expenses

Use light and water more economically. For example, load the washing machine drum completely. Do not run it idle by placing a small amount of clothing. Plan your route and time for traveling by car. So, you won’t burn gasoline in traffic jams when leaving your dacha on Sunday evening. Switch to a cheaper internet and mobile phone plan. Call the operator and ask about ways to reduce maintenance costs.

Do not take loans and borrowings

Loans are one of the main reasons for poor financial situation. When buying something on credit, a person buys something that you cannot afford. Therefore, do not take money from banks and microfinance organizations for a new phone or TV.

A loan makes sense when you are running a business. For example, you need another minivan to deliver goods. The debt will be repaid through profits from sales, and not through new debts.

Buy from the list

And even better: on a full stomach and under time pressure. It has been proven that a hungry person buys more than he needs at the store. As does someone who has time to calmly look at each shelf. Put yourself in a situation where you know exactly what you will buy and do it quickly. There will be fewer spontaneous and unnecessary purchases.

Don't delay as much as possible

When, after the transfer, 10% remains free money, reward yourself for successfully working with your personal budget. The main thing is that this 10% remains stable.

Important aspects to help you save your money

Methods that always work:

1. Shopping list. A reminder to the buyer - do not visit the store without it. 100% guarantee and protection against emotional and useless spending. Figure out what you need at home, write down the expected cost. They came, bought goods from the list, and left.
2. Bonus cards, discount coupons. Many large supermarkets offer these to customers. These cards provide a 5-20% discount or savings system.
3. Remote orders wisely. Aliexpress and other similar companies offer a huge range of products. Moreover, the cost is quite affordable. Do not take equipment or expensive goods there that require repairs or service checks.
4. Think about your purchases. In particular, large ones. For example, a washing machine or refrigerator. There is no need to chase a well-known brand. There is a need to go around retail outlets slowly, study prices and great deals.
5. Careful use. Helps things “live longer.” Having bought a coat, wear it for several seasons instead of one. It is useless to chase fashion; it is cyclical.
6. Don't throw away unnecessary items, but sell them. It may be cheap, but there will be profit. It's easy to do this via the Internet.
7. Track offers. Trade brands periodically offer sales to attract customers.
8. Joint purchases and delivery. A group of people buy various goods in bulk. They are added together for payment, then when the package arrives, I separate its contents. Everyone takes theirs.

You can't save money if you don't have willpower and discipline. Creating spreadsheets and planning expenses will take some getting used to. Especially when the goal is expensive. It’s worth reminding yourself of it periodically to increase motivation.

Please pay attention to discounts and promotions

In everyday life you cannot do without expenses. I need seasonal clothes/shoes, I need to update my phone, the wheels are already “bald”. Of course, if you get excited about the idea of ​​saving, you can cross out all personal expenses, leaving only a utility bill with credit deductions.

However, it is easier to use lifehacks:

1. Periodically go to large stores and shopping centers. Track their activities. New arrivals are always expensive, but the price for leftovers is reduced. Europeans willingly visit sales and departments where second-hand or bulk clothing is sold.
2. Seasonal clothing should be taken at other times. For example, look for winter boots in the summer or spring, when the peak of interest has passed.
3. If you like a branded item, wait. At first, the store will sell the new product at exorbitant prices, then, based on demand, it will reduce prices. At the end, the remaining items will be sold at a discount. A great opportunity to buy quality clothes without spending a lot of money.
4. The promotions are also profitable. For example, “2+1” when, when purchasing 2 items, the client takes the third one for free. For women with two children, such offers are a real treasure. Or when a significant discount is given for wholesale purchases. For example, we took 10 T-shirts - 50% of their cost.

During a crisis, such offers become more numerous. Stores monitor customer interest and try to regulate pricing policies. So that the high cost does not scare away the majority of customers.

Cashback on purchases

The first is to reduce the number of unnecessary purchases. They are always available, no matter whether a person’s income is small or large. These are cute trinkets, sweets, talismans and other little things. What you buy is then lying around at home or eaten instantly.

Some online stores like Aliexpress offer customers to return part of the money spent on goods. This allows you to save money and at the same time increases consumer interest.

Savings cards or bonus offers. Cardholders have a small discount, which they have the right to use when making purchases. Savings system – when part of the amount spent by the client is saved. It can be spent after a certain time on something else or increased. But your next purchase will be cheaper.

Public transport instead of a private car

Car owners spend money on fuel every day; in the winter they need to change the tires of their swallow, and wash it regularly in the fall. You also have to pay transport tax. Of course, the benefits of a car are enormous, especially in a family, when you need to transport children and visit several places every day.

You can save on gasoline. If you periodically walk or use public transport. For a teenager, buy a monthly pass, there are reduced rates. Having paid once, he can ride the bus or metro as much as he wants.

We say “no” to bad habits!

How much money is spent daily on your favorite cigarettes or a can of beer? It’s easy to imagine if you record your expenses. Of course, you want to relax, but it is more effective to replace sources of pleasure. Take candy instead of cigarettes, and natural juices instead of beer.

The state specifically requires increasing the price of harmful goods (alcohol, cigarettes) in order to reduce demand. Especially protect children. It’s enough to quit smoking and order tea/a bottle of water instead of wine in a cafe. The savings will be obvious.

“Smart” utility bills

Utility bills are inevitable, they come monthly and these expenses cannot be crossed off. But you can reduce:

1. By adjusting the water flow – turning it off on time. Start the wash when the machine drum is full. To wash more things at once.
2. Turn off the lights when leaving the room. Replace regular light bulbs with special ones, they consume less electricity. Reduce the number of electrical appliances - turn off unnecessary ones.
3. Install meters and pay cheaper.

Use benefits related to utilities, if available.

Clothes are just a necessity, not a luxury

Fashion is changeable, but cyclical. How to save money on clothes - it is useless to chase after it by purchasing expensive but ordinary things. The reason for their high cost is the well-promoted brand.

Joint purchases and use of online stores allow you to increase your savings.

The main thing is to plan your wardrobe. Before the onset of the next season, go through your things and figure out what you need to buy. Then distribute the number of purchases over a certain period. For example, spring boots now, a jacket in a week, etc. this will save time and money. Time - no need to mindlessly walk around stores looking for a jacket.

Renting is better than buying

Various items may be needed in everyday life:

• electric drill;
• ladder;
• a dozen chairs (when guests come and there is nowhere to place them);
• cot;
• a set of hiking accessories;
• automobile.

It is not necessary to purchase them by paying full price. If an item is needed once and a person does not need it regularly, it is easier to rent. Like household items in a hotel. For temporary use you pay much less. In Europe, many tourists rent a car to get around the city and surrounding areas. Then they return it.

Repair instead of new goods

Soviet people lived in an atmosphere of scarcity, so they used things carefully. And when it broke down they repaired it. So the coat or boots served the owner for several years. Real savings, suitable not only for students, but for everyone

The kettle breaks, the refrigerator is acting up, or the stove suddenly stops heating - it’s worth calling an electrician. Repairing it will cost less than purchasing new equipment. The modern abundance of goods has spoiled people, this is wrong.

Food prices

Now there is no shortage, the choice is huge. It's worth taking advantage of this. Food is needed every day. To save money, you need to visit all local stores and monitor the appearance of discounts, sales and bonus offers. There is no need to travel far for ordinary goods. Saving 50-80 rubles will all be spent on travel + time spent. It's better to find what you need nearby.

Installment purchases

Opportunity to purchase expensive goods immediately. The buyer pays off gradually, paying the money in installments. The total cost is divided equally by the installment period. Instead of one large amount, deductions will be made every month.

This is beneficial, the main thing is to choose the products you really need, the importance of which is equivalent to their price.

How to save money without work?

It's good to have a job that pays a decent salary. But here's what to do for those who don't have a job right now. These include students, mothers on maternity leave, and the temporarily unemployed. Can they save money? Quite. After all, having a job and having an income are completely different things. The most incredible activities today can be turned into income.

How to save money without work?

Hobby. Everyone has their own. If you are into Handmade? Turn it into your own mini business. You can make to order, sell finished products, and also conduct master classes and lessons.

Part-time job in Decter

Are you into sports? Do you know effective training methods? Try organizing outdoor workouts for a nominal fee. For you, this is experience and a small income, which over time can turn into a profitable occupation.

Is it possible to make money on the Internet?

Do you know foreign languages? The work of translators is more and more in demand. Have you written essays and have a beautiful style? Try on freelance exchanges, if your writing talent is in demand, this will give you good earnings, from which you can save quite a decent amount.

It's easy to make money on the Internet!

All these types of earnings involve profits in small amounts, but often. At the same time, a person thinks, today I will spend it, and tomorrow I will save it. At the end of the month, it is more difficult to save a large amount, since the amounts again arrive in small amounts.

Make a rule to save from each income, regardless of its amount. If there are several receipts per day, take a few minutes in the evening to calculate the total profit and set aside a fixed percentage.

Money flow

You can't skimp on food!

Products such as meat, milk and fermented milk products must be taken fresh. In verified, licensed places. Otherwise, the money saved will later affect your health. It's easy to get poisoned by poor quality food. It is better to think through the menu in advance and buy long-term products in bulk. For example, 12 kg of chicken wings lasts a long time. Potatoes can also be stored quietly for several days.

Make one large-scale purchase every week, the rest of the days pick up little things: bread, a carton of milk and other perishable foods.

Sample menu for the week

The main rule is to go to grocery shopping well-fed! Have a hearty lunch at home, but take 15-20% less goods than hungry people. Capture packages. Some stores charge a fee. Pennies, but also savings.

Weekly menu (family of 4, love to eat)

How not to spend saved money?

It will be difficult at first. After all, you are used to spending, and the thought that somewhere there is an amount “idle” will bother you. In the first year of savings, open a deposit that cannot be terminated early. Usually a year is enough to get used to saving and not spending.

How not to spend saved money?

Another way to restrain yourself and not spend money is visualization. Posters, photos, screensavers with what you are saving for. One look at the dream and the desire for an “impulse” purchase will disappear by itself.

Services and programs that are worth using if you decide to save money

Modern technologies help people by making the task easier. The method with envelopes is a thing of the past:

1. CoinKeeper Classic is an application that you can download for Android. Takes into account expenses by reading information from bank SMS write-offs. Shows savings options. Can be used equally on different devices. Makes reports by collecting user data and shows statistics. The owner sets budgeting periods and indicates expense items. The interface is convenient, there is a reminder function, the data is password protected.
2. Drebedengi is a simple application that helps you take into account your finances. You can enter expenses on the go/in a traffic jam, and it is synchronized with other connected devices. There is a multiplayer mode that is family-friendly. Generates reports. You can enter any type of expense.
3. AlzexFinance is a visual program that allows you to distribute your budget through a computer, tablet or other device. Functions: multi-currency, convenient tools for data processing, if there are debts - displays the quantity, shows statistics on growth/decrease in expenses.
4. Zenmoney is a special program that opens on any device. Allows you to compare offers from different banks and choose the best deposit, leave a plan, online financial accounting. Real home accounting.

Interesting ! The interfaces of these applications are simple, they are easy to use for everyone, including schoolchildren. Allows you to track the actions of all household members. Data is being accumulated, you can request to generate a report to study it.

If you need to save up urgently

If, after analyzing your budget and determining the amount that can be saved monthly, a person understands that it will be possible to save the required amount of money only after ten years, and it is not possible to wait that long, the question is: “How to learn to save money?” remains virtually unanswered. Therefore, you need to understand how to save correctly.

If there is a time frame that determines the moment when the required amount must be collected, the algorithm of actions changes:

1. The period in which you need to accumulate the nth amount of money is divided into months. Divide the required amount of money by the number of months and get the amount that needs to be put aside once a month.
2. Taking into account the amount that you can save without damage, determine the items of expenses that still need to be reduced in order to accumulate money in a short time. Simply put, find what you can save on and how to save money. You may have to give up a lot, but if the goal is desired, you can be patient a little.
3. If you can’t find the item(s) of expenses that can be “cut,” then you need to either increase your income (look for a part-time job, passive income, change jobs, etc.) or postpone the deadline for achieving your goal.

For many people, the question: “Where did the money go?” is rhetorical and implies the answer: “Again to nowhere!” Once you start keeping home accounting, you will be able to see exactly what the funds are spent on and begin to manage your money correctly. One may be surprised that funds can be accumulated simply because the family’s income and expenses are kept track of and recorded.