Whatever your income, even if it’s above average, often money is still not enough. One must be able to not only make money, but also spend it wisely.
If you can’t save a certain amount, we will tell you how to do it.
10. Save money every day
It is not so easy to start saving money, especially if there are a lot of ongoing expenses. But, as studies have shown, saving small amounts every day is much easier, monthly - a lot of money.
A group of subjects was interviewed, 30% of whom confirmed that it would not be difficult for them to save 5 dollars a day. While only 7% of respondents are ready to part with 150 dollars a month. In both cases, the accumulations will be the same.
This leads to the conclusion: if you want to save a certain amount, buy a piggy bank and replenish it with small contributions daily.
9. Do not use the services of intermediaries
To earn money, many entrepreneurs build a whole chain of intermediaries, each of which takes his own percentage. It is much more profitable to place orders directly.
So, if you buy things at a wholesale warehouse, you can save a lot. The product is cheaper because The price does not include rental of the store and the services of the seller.
The same Chinese consumer goods are easier to buy from the Chinese themselves, for example, on Aliexpress, which will help to purchase some items at a 50% discount if we compare prices for the same items, but in stores.
Even fruits and vegetables are cheaper in the wholesale market. Yes, you have to take at least 10 kg there, but if you agree with neighbors or relatives who are also interested in such a purchase, you can buy the same apricots or tomatoes 2 times cheaper.
8. Do not throw away old things
Now it is very fashionable to get rid of trash, to carry in the trash what you have not been using for a long time. We do not urge you to turn an apartment into a warehouse of old things. But do not rush to get rid of everything right away.
Some things can be given a second life. T-shirt sticker worn or worn? Go to the nearest store where they sell everything for sewing. You can find new stickers, and update the thing. Did the watch break or did the zipper on the boots? Take it to the nearest workshop where you will quickly and accurately make repairs.
If you don’t need some things, you can attach them by posting an ad on Avito. You will not only get rid of things that do not bring you joy, but you can also earn a little.
7. Do not connect auto payment for utilities
Many payment operators advise connecting auto payment for housing services, as it's comfortable. You don’t have to run around every month with receipts to the bank or to the post office, worry about the accounts remaining unpaid, i.e. there will be no pennies and late fees.
But it is advisable to view receipts monthly, as utilities are often mistaken when calculating rents. Sometimes the amount of such an error can be significant, and returning this money back is not so simple.
6. No need to wash too often
Do not wash things too often, because they wear out. Each garment has a specific period of wear.
Frequent washing makes things ugly. It is advisable to wash some fabrics by hand so as not to spoil their appearance.
And jeans, for example, are not recommended to be washed too often, and the emerging dirt can be removed with a brush.
5. Do not leave dirty dishes
It seems that it’s much more economical to dig up a mountain of dishes in order to wash it later, spending less water. But in fact, the mud dries up, eats up, and then it will be more difficult to clean it.
In extreme cases, if you do not have time, it is worth soaking the plates or pans, so that later it is easier to wash them.
4. Keep up with current trends
Recently, it has become fashionable to maintain blogs, regularly update pages on Instagram. Even if you do not have much free time, do not deny yourself such entertainments. There are many advantages.
Firstly, you can expand your circle of acquaintances. You will be drawn to people who are interested in your thoughts, with whom you, as they say "on the same wavelength." And too many friends do not exist. Over time, a pleasant acquaintance can develop into mutually beneficial cooperation.
Secondly, this is a great way to express yourself. If you need to advertise your services, tell the world about your hobby - the Internet is the easiest and most affordable way to do it.
And finally, the third, and most important. It can be fun for you. Many keep blogs for themselves, for the soul, and this is a great way to psychotherapy, to deal with the stresses that are abundant in our lives.
3. Try to calculate the value of things not in money, but in working days
Sometimes the cost of a particular thing seems modest to us. But think about whether you are ready to exchange it for those hours, days that you spent earning this money.
Calculate how much it costs 1 hour of your work. And then estimate how many hours or days you have lost to buy regular shoes or a toy for the child.
Think about whether you are willing to pay for this thing with the hours of your life. Maybe it will be more interesting for your kid to take a walk in the park with his mother, eat ice cream, i.e. spend time together, and not get another equivalent of love, which, however, cannot replace it.
2. Do not buy too many products
American scientists have found that about a quarter of the products purchased are in the bin. Often in stores we pick up whole baskets of food, but do not have time to eat it all. And due to improper storage, some products may deteriorate.
If you forget the milk on the table in the summer heat, after an hour it will turn sour. Kefir or yogurt left overnight in the refrigerator can be poisoned.
Try to think over everything, count so that you do not have to throw away sour products, especially since there are them. treatment is now no less costly.
1. Refuse impulsive purchases
Often you want to believe a vibrant promotion or let yourself be persuaded by the next sales assistant. Do not fall for such tricks. Try to make only planned purchases.
Psychologists were able to establish that more than 25% of purchases we make, succumbing to emotions. And, as it turned out, about 70% of such impulsively bought things remain unclaimed and forgotten after a few days.