How and how to save money? Memo: how to rationally spend money

The article gives tips on how to save the family budget reasonably.

The content of the article

Saving money is a real art, you can say you
For some reason, many allow themselves to buy a lot and postpone a certain amount, and you part with the same amount very quickly
The fact is that some have learned to save, but you do not. We will tell you how to learn how to spend money rationally

How to save money with purchases?

The issue of saving money is currently very relevant. The crisis in the country makes many families think once again whether to buy another thing or is better to spend this money on more important needs.

Here are some tips on how to save on purchases:

Do not rush to spend a salary on the day of its issuance. First, designate the main expenses
Divide the salary into several parts. Designate the amount that you plan to spend (on food, on clothes, on entertainment, for other needs) and try to adhere to it
Avoid loans. Many are seduced by the opportunity to get the missing amount in a short time to buy the necessary thing. But before you rejoice, calculate how much you have to give the bank in the end
Treat with caution to promotions and discounts. For example, in stores there are often shares of 1+1 \u003d 3, that is, you buy 3 units of goods at a price of two. As a result, it turns out that you will buy a product unnecessary to you just because it was a discount on it

A penny saves the ruble

Saving money on food and food

The lion's share of the budget is fed. Sometimes food costs deprive the family of the opportunity to save money for rest or purchase of equipment.

Important: it is worth noting that saving money does not mean to deny yourself everything. Especially in normal nutrition. No need to switch to one -time nutrition or to use of poor -quality food. It is unlikely that you can save money here, only in addition you will harm your health.

You can save on food in a different way:

Make a list of necessary purchases. This is the golden rule that everyone knows about, but for some reason they neglect it. Believe me, the list will save you from unnecessary costs
Do not go hungry to the supermarket. A hungry person will take everything he likes from the shelves. If the feeling of hunger is quenched, you will approach the purchases more deliberately
Buy food at wholesale bases. Everything that can be bought with a margin is better to buy in wholesale markets. For example, flour, vegetable oil, cereals, etc. This will significantly save your budget
Take food with you to work. Snacks in a cafe during workdays can result in you "in a pretty penny." Much more profitable and useful to carry homemade food with you
Go to a healthy diet. Refuse smoked meats, abundance of flour products for tea, sausage products. Such products are not cheap, and there is a lot of harm. Instead of sausage, it is more profitable to buy meat and cook cutlets, meatballs, casseroles. Instead of buns and sweets - fruits, berries
Buy seasonal vegetables and fruits. Strawberries in winter are not only worth frantic money, but also stuffed with chemicals. And this can be said about many seasonal vegetables and fruits. If you have a large freezer, freeze vegetables, berries for the season. In winter, you will not have to lay out for half for them, or even three times more

Psychologists advise not to pay with a bank card, but in cash. Cash limits the expenses. The map, in turn, creates a feeling of unlimited.

Most of the salary goes to food

Saving money on electricity, water

Payment receipts for utilities are sometimes scary to pick up, since the amounts there are not small. Electricity services, water supply, heating system are growing and growing.

If you began to think that the amounts for romers are great, it is time to reconsider your consumer abilities:

Replace ordinary bulbs energy -saving. For example, one ordinary light can consume 0.1 kW per hour, and energy -saving can be 0.02 kW. Accordingly, the savings will be noticeable after one month of using such bulbs
Turn off the light if you don't need it. You might think that you can’t save a lot in this way, but for a year of such saving, the amounts on payment receipts can become less
Do not turn on the electric kettle. It happens like this - the kettle boiled, but I forgot/did not have time to pour tea, then the kettle has cooled down, you have to warm the water again
Use less microwave. The meat can be thawed by taking it in advance from the freezer. Yogurt is heated to the desired temperature if you get it from the refrigerator 20 minutes before consumption
Electric heater It is able to wind a lot of kilowatts. If you constantly use it, perhaps your windows are outdated and you need to change them. Or find another cause of heat leakage

If desired, you can save water:

Close the crane while soaping plates
Take a bath, not a shower
Do not wash one or two things, but wait until 3-5 kg \u200b\u200bof laundry collects
Collecting technical water without detergents, which can then be used for watering plants (if you live in a private house)

Consume resources wisely

Saving on clothes

When forced to save, you are not very thinking about new outfits. However, I want to look worthy.

Clothing is not cheap, especially if these are branded things. But the rule applies here: the stingy pays twice. Indeed, it is better to buy expensive and high -quality shoes and wear them for several seasons than to spend money on cheapness and buy new ones in a couple of months.

How to save money on clothes:

Buy a fur coat in the summer, and a swimsuit in winter
In the drains and second-hand you can find excellent quality things
Do not buy things that require expensive care (dry cleaning, fitting in an atelier)
Make a basic wardrobe that will be convenient for all occasions
There are many domestic firms that sew high -quality and inexpensive clothes
Buy the most necessary, do not spend money on the same thing that is already in your wardrobe

Important: if you want to wear a thing for several seasons, give preference to neutral colors (beige, white, gray, brown, black). Bright colors and fashionable prints are in fashion for one or two season, then they become irrelevant

Shopping addiction is fraught with an empty wallet

How to save on repairs?

Despite the crisis and lack of money, many want to update repairs in their home. It would seem that you want to save on repairs - make it yourself. But this rule does not always work.

If you have golden hands, then you can do repair yourself. But if you have never encountered repairs, it is better to trust professionals
It is better to choose a team of workers according to the reviews of their friends and acquaintances. Firstly, you can hear and see the quality of work. Secondly, you will be sure that you will not be deceived
Do not pay money for a job that is not yet ready. Otherwise, you can be fed breakfast for a very long time
Black work can be done yourself (tore off old wallpaper, shut up the tiles, remove skirting boards, remove the doors)
Materials can be bought from the manufacturer, not in the store. The store has its own rather big wound
Do not purchase the cheapest materials, they will quickly spoil and lose their appearance. It is better to act on the principle of "price-quality"
Do not buy extra wallpaper, paint, glue. In many houses you can find a roll of old wallpaper, a can of paint. Clearly calculate the number of necessary materials

You can also save on repair

Memo: how to save money

We summarize the above:

Miser pays twice
If I do not have an urgent need for this thing - I don't need it
We prefer quality to quantity
We make a list for all purchases and guided by a clear cost plan
We distribute the money to parts and follow the plan

If despite all attempts and tricks, there is not enough money, it makes sense to think about changing work. Constantly cannot be denied everything in everything, because life flies very quickly, you need to enjoy its benefits. We will be glad if you share your ways to save money.