I am a strong believer in planning, saving and saving money. My family went through different times, but I could always build a family budget so that it covered the mandatory expenses, and there was money left for our hobbies.
Until now, one character trait helps me in this - the ability to save. But I am concerned about one question: how to save money correctly? Emphasized on the word “right”.
To save or not to save?
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 (there will be a link to it later in the article). 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.
After reading, you will understand how to stop working for a penny at an unloved job and start LIVING truly free and with pleasure!
“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:
- A high degree of mistrust in the state, in general, and banks, in particular, rooted in our past.
- Insufficient development of many market-based instruments (for example, housing bond loans) that allow citizens with modest incomes to save money.
- Russians do not know how to save money. It is a fact. The level of financial literacy in the country is very low.
- 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.
How to make yourself save?
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.
- 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.
- We will be able to plan large purchases in advance without expecting a large bonus or grandfather's inheritance.
- We will master financial discipline, which will increase responsibility in other areas of life.
- Let's learn to live economically and not spend all the money we earn on unnecessary purchases.
- We will gain inner peace and peace of mind, because with the acquired skills, we will survive 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. It won't work that way. 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's a step-by-step guide 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 purpose of accumulation. For example, a new phone, a trip to the sea, etc. Hang it in a prominent place (refrigerator or mirror);
- every night, 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 every month you save 5,000 rubles, 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;
- 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.
Tip # 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.
Tip 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 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 financially advanced people do not 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?
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 you have a current account (for example, a salary account). Money can be transferred from one account to another for free.
Plastic cards with interest
We have already considered the advantages and disadvantages of debit cards, we also figured out which debit card is better to choose. They allow you to receive higher interest on 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? A 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? 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.
|№||Name of the bank||Account name||Maximum interest rate,%||Minimum deposit amount, rub.|
|1||Sberbank of Russia||Top up||4.1||1,000|
|5||Alfa Bank||Premier +||6.2||10,000|
|6||Bank FC Otkritie||My piggy bank||6.5||10,000|
|7||Moscow credit bank||Accumulative with capitalization||6.75||1,000|
|8||B&N Bank||Maximum percentage||6.6||10,000|
|9||UniCredit Bank||First class||5||15,000|
|ten||Promsvyazbank||My piggy bank||6.15||10,000|
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 their management 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 receive, in addition to income, a 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 more serious investment.
5 tips on how to save with a small salary
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 over the years will bring a good income. And if this amount is replenished every month, then the result can surprise you.
Here are 5 tips for saving with a small salary:
Tip 1 ... If you want to increase income, reduce costs.
How to learn to save money? Read in my article about possible ways to save money 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 ... Don't borrow.
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 do not give yourself indulgences 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:
You are just saving money, but you do not 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 the most 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.
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. The main thing is to start and stop procrastinating for another Monday. In the comments I will be glad to read about your successes and failures in this matter. Everything will work out.Reading time: 6 minute (s)
Everyone knows the truth that a happy relationship requires serious work. The same rule applies to relationships with money: if you want everything to work out with your finances, you will have to make an effort.
Today we will share our experience on how to learn how to collect money and save when the salary is still far from its ceiling.
Define a goal
For everything we do, motivation is important - this is what allows us not to deviate from the intended path, supports in difficult moments. “Digging from the fence until lunchtime” is not interesting to anyone, but if you clearly understand how much you need to save for a specific smartphone model or a dream vacation, it will be much easier to achieve your goal.
The next step is to determine the time frame for achieving this goal. Let's say you want to give yourself an iPhone 8 for the New Year, and this will cost you about 900 USD. This means that if you start in June, you will need to save 130 USD monthly.
Where to store your savings
It all depends on the amount you need to collect. If we are talking about an apartment or a car, then in such a long-term project it will be more profitable, safer and most convenient to keep money in the form of a deposit. It is desirable, irrevocable, so that there is no temptation to withdraw part of the amount for some other purchase. In addition, in this case, the money will not only be stored, but also bring passive income - a certain percentage of the deposit. If you collect for several large purchases at once, it is better to open an account for each of them.
If the planned purchase is not so expensive and you can collect money for it in less than six months, you can keep your savings at home. But in this case, you will need to take care of protection - exclude the possibility of "re-borrowing" from yourself until the next salary, because even you will still have to repay the debt. To do this, you will need either a safe / piggy bank, working only for "reception", or iron discipline.
How to save
So, we understood why, how much and where, and we move on to the most interesting part - how to collect money correctly. There are a great many methods, but we have tried the most popular of them and will be happy to share our experience.
1. Rule of 4 envelopes. The essence of the rule is that having received income, you first pay all mandatory bills - utilities, communications / Internet, credit, travel card, etc. - and divide the remaining money into 4 equal parts. Each of them is an amount that can be spent in the next week. If after a week there is something left of the part, you can either send the remainder to the piggy bank, or do something else with it at your discretion. This method did not work for us for several reasons.
- realizing that at the end of the week there is money left, there is a desire to pamper yourself - “I’m done well and didn’t spend everything!”, as a result, the remainder is spent on an award, and does not go into the piggy bank.
- theoretically, in some cases, it would be possible to spend less, but after all, there is an amount allowed for a week and - see above ...
- the method is not very convenient when money comes to the card not in one payment, but several times a month, for example, salary and advance payment. In this case, it is difficult to calculate the required expenses and divide by equal amounts.
2. The pitcher method based on the fact that you need to divide all your income in certain shares into different groups of expenses:
- the most necessary - 55%. These are everyday needs, paying bills, clothes, food, medical care, etc.
- entertainment / pleasure - 10% - anything that will bring you joy, whether it is going to the cinema or spa treatments.
- savings - 10%. This is exactly the money that you set aside for the goal. If there is no goal, let it be investing (for example, a bank deposit and receiving passive income from interest).
- education - 10%. Your development is your future and the opportunity to earn more in this future than today.
- reserve fund - 10%. This is where you save money, investing in financial stability and confidence in the future.
- gifts and charity - 5%
With this method, it turned out much better - a clear systematization goes hand in hand with discipline and does not allow you to go all out. But at the same time it restricts a little - sometimes you want more freedom with regard to your honestly earned money. This method is well suited for those who are just starting to collect for the cherished goal - it will help in general to learn how to distribute income by cost item.
3. Percentage of income. In this story, your main task is to set aside for your goal a strictly defined percentage of each arrival of money. For us, this method turned out to be the simplest - it does not in any way limit all other expenses, and the designated percentage itself (in our case it was a considerable 20%) went to a savings card immediately after receiving a salary. As a result, we didn't seem to see this money, and after a couple of months, the savings account pretty much pleased us with the numbers in the Internet bank.
4. Zeroing and remainder - this method is more suitable for simply saving conditionally "extra" money, rather than collecting for some purpose. Its secret is the daily (or weekly) "zeroing" of the amount on the card account. Every day you need to put the amount of money on the card in order in accordance with a certain rule. For example, the sum must end in 5 followed by zeros after the decimal point. Those. if in the evening you have 78 rubles 26 kopecks on your card, you transfer 3.26 to an additional account so that exactly 75 rubles remain on the main card. And so - every day. At the end of the month, believe me, you will be surprised at how much money you can save in such a simple and inconspicuous way. We were surprised to find 95 rubles that appeared literally out of nowhere.
Features of psychology
It is important to understand that whichever method you choose, you will need firmness of mind and discipline. To make it easier to cope, there are several tricks on how to save money with a small salary, based on the knowledge of our psychology.
First, before making any purchase, ask yourself a simple question: "How many hours of my work does it cost?" Even if you are a big shopper, you will surely stop when you find out that a new handbag or dubious gadget is worth 2-3 of your working days. Knowing how much effort you put into making a certain amount helps you save money instead of spending it on dubious pleasures.
Second, remember that you yourself are your most valuable resource, and meeting your needs and goals is your most important task. This means that when you receive a salary, you must pay yourself first. It is necessary to save money for your goal not on a leftover basis, but to bring it to the level of the same mandatory payments as paying bills or paying on a loan.
A few words about saving
Finally, we will share with you a few more tips on where to start and how to learn how to save money with modest incomes in order to feel good at the same time:
- be sure to keep records of income and expenses - this will allow you to understand what the money is spent on and what expenses can be completely abandoned. To do this, you can use any convenient method - a notepad, an Excel file or a special application.
- Before going to the store, make a shopping list and strictly adhere to it.
- give up bad and wasteful habits. For example, every morning on your way to work, you buy coffee at a coffee shop for 3.5 rubles. The coffee is delicious, better than from the common coffee machine near the office. But a simple calculation will show that you spend about 900 rubles a year on this little morning pleasure! And that's half of your iPhone 8.
- 10 second rule for small purchases - before you put a package of cookies or chips in the shopping cart in the supermarket, turn away for 10 seconds and think, do you really need it? Believe me, in most cases the answer will be “No”. These 10 seconds will help you avoid impulse purchases and save you a lot in the end.
- remember that it is not always necessary to buy everything new, sometimes it is much cheaper to buy the necessary thing, already in use, but in good condition.
- Don't get fooled by marketers' gimmicks - sure you really need these 3 toothpastes for the price of two?
- use discount and discount cards.
- cook more often at home and take lunches to work with you.
- try to save on utilities - energy-saving light bulbs will significantly reduce the cost of electricity for you, and if you do not forget to turn off the water or put aerators on the taps, then this cost item will also decrease.
Each of the tips and methods described today has its own advantages and disadvantages, none of them is the only correct one. But in order to find your ideal method for saving money, you need to experiment, try, combine, and most importantly, want and strive to learn how to properly collect money and save.
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Not everyone is born a millionaire. They become if they know how to competently handle what is at the moment.
how to save
In addition to the fact that you need to work and earn money, it is also good to understand what to do next in order to save money.
Everyone knows for himself that there is never a lot of money, and if you do not know how to properly dispose of it, any amount can run out very quickly.
Therefore, many who even earn good money cannot become richer, and those who unexpectedly receive a substantial inheritance or gain will soon again fall into the trap of poverty, and often of debt.
This is why it is so important to know a few simple rules that rich people use. They differ from other people only in that they know how to effectively manage money.
Even if it seems that with a small salary, it is impossible to save money and save a lot, believe me - it is possible.
Here is the method described by Harv Ecker in his book "Think Like a Millionaire" Millionaire's Practicum: 1 - Open a deposit in the bank, which you will name for yourself " financial independence account "And put off ten% on all of your after-tax income. This is money
not for spending, but for investment ... They are for passive income at the time you stop working. 2 - Start at home "
financial independence bank »And put coins there every day 10, 5, 1 rubles. or all the little thing that remains from the change. This will allow you to develop the habit of thinking about your financial independence. In addition, Ecker advises to have “ entertainment account or entertainment bank ". Because, a person is so arranged that if you always only save and approach everything rationally, in the end, our irrational part will rebel. We need to delight ourselves and reward for what we plan, save, and create a secure future for ourselves. In the present, we also want
... Therefore, quick money 3 - Start " entertainment can / envelope "And put aside in it more ten% income. But you need to spend the amount accumulated in it
! To pump your recipient muscle and feel rich today.
With this money, you can allow yourself what you do not every day: go to a good restaurant, spa, rent a room in the best hotel and spend an unforgettable night there. Everything that you have enough of your imagination and saved money. This is to make smart money management more attractive. What to do with the rest of the money? 4 - Open
entertainment can / envelope three more accounts
entertainment can / envelope and top up regularly:
entertainment can / envelope long-term savings for large or medium expenses
charity The habit of giving part of your money to the needy fosters mercy, so there is no need to fear that getting rich will make you worse. Money does not spoil if a person is initially good in himself. And the subconscious mindset that “money spoils” or “rich greedy” prevents people from becoming rich. After all, no one wants to deliberately be "bad"? Therefore, a charitable account is essential as an antidote to these limiting attitudes. By knowingly helping others, you nurture generosity. 5- Others
fifty% go to day-to-day expenses. , If you think that you do not have the opportunity to save on this scheme right now, start with the amount that you have at the moment. Even if it is 100 rubles separate them as written above by banks or envelopes, and every month from new income add to them
from the sum. So you will tune your subconscious mind to manage the cash flow in your life now, from this minute.
To dive deeper into the development of rich thinking and money management, you can read the entire book by Harv Ecker "Think Like a Millionaire", it is on Ozone and other book sites.
Watch this video - a life hack on how to make a "financial independence bank" and quickly save money:
If you are interested in this topic, subscribe to the channel. There will be many more interesting and useful articles. In the next one, I will tell you how to save money and get rich if you have only 1 ruble in your pocket now.
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Today I have compiled for you a selection of the most interesting ways to save money, which I invented myself and found on the Internet, some of them I use personally.
Interesting? Go! Source: pixabay.com Read the entire list carefully , select one or several you like
and start raising capital today
... I personally tested each of the methods described below on myself, until I found the best option for myself, which of them I use now, I wrote at the end of the article. 1.365 days a year The essence of this method, depending on your income, is a fixed set aside, for example, 50 rubles each or 100 ₽ The essence of this method, depending on your income, is a fixed set aside, for example, every day, in a year the amount will turn into .
18 250 ₽
36 500 ₽
When I got my first job, I used this particular method and put aside 100 rubles every day. 2. Fixed percentage A great method that always works! It is possible every month, fixed 10-15% of salary save money in a special savings account that you cannot see,
so that there is no temptation to climb there.
When my salary became a little more than 14,000 rubles, I began to save 10%, after that it became 15%, and for 5 years, to this day, I have been saving exactly 15% of each income that goes to my account. 3. 1,000 per week (or 4,000 per month) Here I think everything is clear from the name, just put it off every week for 1,000 rubles ₽ or 4,000 each .
every month, in one year it will accumulate
48 000 ₽ 4. Round off account balances Let's say you bought something during the day and there are 5 356.32 ₽ The essence of this method, depending on your income, is a fixed set aside, for example, , you need to postpone from this amount 6.32 ₽ 56.32 ₽ The essence of this method, depending on your income, is a fixed set aside, for example, , you can postpone ₽156.32 ₽
, at your discretion, I usually round to the nearest hundredth. This should be done after every purchase or at the end of the day.
In this example, I would postpone 156.32 ₽, I have a rule, if the fractional number is less than 60 ₽, they put another 100 ₽ on top, I do this after each purchase. 5. + 50 rubles per week A serious method, I found out about it on the Internet, I will try to explain the essence to understand. In a 52 week year, you need to put an amount equal to the sum of the previous and + 50 ₽ .
from above, in a year by this method you will be able to accumulate
For example, in the 1st week they postponed 50 ₽, in the 2nd week it turns out you need to postpone 50 ₽ + 50 ₽ = 100 ₽, in the 3rd week you need 100 ₽ + 50 ₽ = 150 ₽ and so on, and on In the 52nd week, it will turn out 2 550 ₽ + 50 ₽ = 2 600 ₽, although for the last month, in 4 weeks, you will need to postpone the total amount equal to 10 100 ₽, so this method may not suit everyone, but the method is interesting if you want to quit yourself a challenge :)
Motivation, money, savings
6. The old salary is my new capital
If you have something left on your account at the end of the month from the old salary, before the new one arrives, transfer the entire remaining balance to a savings account and start each new month with a new salary.
7. Automatic piggy bank
This method is suitable for those who use a credit card. Now, many banks allow you to open a savings account, in addition to the main one, on which you can set up automatic replenishment, you choose the terms and conditions yourself. You can set up a fixed amount, or you can set a certain percentage, for example, from purchases in a store or from cashback.
8. Bad habits in the trash
Every person has a bad habit, even if they lead a healthy lifestyle. If you “smoke” or buy coffee every day in the morning, then it's time to calculate how much money you spend on this business a year. Are you surprised? There are two accumulation methods: First option The essence of this method, depending on your income, is a fixed set aside, for example, is to get rid of bad habits. The money that was spent on bad habits goes to the piggy bank. It is, of course, more difficult to resolve the issue with the "smoke", here you only need to be treated, but with coffee you can! For instance, MAKE COFFEE YOURSELF ADD TO COFFEE MACHINE
and make coffee every morning, which is much tastier than coffee to go, and twice cheaper!
, this is a punishment for a bad habit. We bought coffee with us, sent the same amount from above to a savings account and also with all other bad habits. Tough way, but very efficient :) 9. Technique "24 hours" - I thought before buying It happens that something I really want to buy, DO NOT immediately buy this thing on emotions , postpone the purchase and the amount of money you were willing to spend on 24 hours (better for 2-3 days) if this thing is really worthwhile the next day (or after 2-3 days
) come back and buy, if not, the money goes to the piggy bank.
There are purchases on emotions, you DO NOT need to do that! 10. Digit of the day One of the unusual ways to accumulate, using combinations of numbers, and the brain trains and money accumulates .
... For example, the current month, date, day of the week, time, weather forecast, date of birth, and so on, you yourself form the numbers from the numbers that you are ready to transfer to the savings account on that day.
Which system you come up with, for which you work
For example, today is the date 12/02/2020, time 15:30, day of the week is Wednesday, the weather outside is -15 (for us it will be just 15, without a minus sign), now we come up with a combination, I do this, all the numbers that I selected, I add each of them and at the end I ascribe 0, the amount that I got I send to the piggy bank.
Current date: 0 + 2 + 1 + 2 + 2 + 0 + 2 + 0 = 9
Day of the week: Wednesday corresponds to digit = 3
Time, looked at the clock before counting: 1 + 5 + 3 + 0 = 9
Weather outside the window: 1 + 5 = 6
Total: 9 + 3 + 9 + 6 = 27 we assign the number 0 = 270 ₽
So I transfer 270 ₽ to a savings account, if you combine this method with some method from the list, you don't have to assign the number 0. The most unusual thing about this method is that the numbers are repeated very rarely, you will never know how much will accumulate at the end of the year, which is very interesting :) 11. Ultimatum for a month This method one of the tough among all possible, but the efficiency is high, here the main thing is to hold out ... You need for the 2nd salary live exactly 3 months , and the salary for
3rd month fully send to the savings account. I recommend so do everyone 3rd month (possible once a quarter) , that is, you are for the first for the 2nd salary 2 months 3 months should distribute the salary so that it will be enough for exactly
since the salary for , you will have to completely deposit to the savings account. This method will additionally teach you how to plan your budget so that for the 2nd salary 2nd salary
You can make it a little easier so that it doesn't hurt a lot:
1. Divide the third salary into 2 equal parts, save one part and use the other.
2. If your salary comes in two parts, as a salary and an advance, then you are saving the new salary, and using the new advance and the remainder of the previous salary.
Try to conduct such an unusual experiment, at the same time you will understand how ready you are if you suddenly lose your job for a month. 12. Penalties Washed away in that
fine and punish yourself
for any violations or bad habits.
I had a special bottle and I fined myself 50 rubles for every mate and profanity I uttered. You can do something like that, you come up with the fines yourself. 13. Forming foreign exchange capital .
I collect 2 currencies at once Currency Who, whatever they say, dollar and euro , as they grew, so will continue to grow.
The entire world economy is built on dollars so start collecting currency gradually. Then you will say thank you to yourself in the future. One of the simple ways that I myself use is to save money from every salary 3-5% each
to buy currency, so as not to suffer from exchange rate differences. Open a foreign currency account in the bank and simply replenish it like a piggy bank, rubles are automatically converted into the currency you need,
BUT AT THE BANK'S RATE!
The cheapest bank where you can convert a currency close to the Central Bank and the exchange rate is Tinkoff Bank. Not advertising! :) It's just that I change the currency there, as it is expensive in other banks. If you know a bank where you can change the currency close to the exchange rate, I will be glad if you share in the comments. 14. Purchase tax It is somewhat similar to the method of an automatic piggy bank, but from a slightly different perspective. You need come up with a tax on purchases .
, it can be fixed or floating depending on the month, for example, five% Let's say you bought something in a store for the amount of 1000 ₽ means
5% (50 ₽)
you need to put it in your piggy bank and do so with every purchase.
In order not to forget, you can set up automatic replenishment, for these 5%, from each purchase to your savings account, in the Internet bank.
15. Rare bills
Everything is simple here, collecting bills that you like in your piggy bank, it can be a bill with a beautiful number or with certain letters, or a combination of letters from several bills.
For example, I have a bill in my wallet with the letters TV, denoting my initials of the surname and first name :) Summing up As you can see all of the above methods require DISCIPLINE but this one the process can be fun , you just have to try a month and the method you have chosen will turn into a kind of game where
the reward will be a nice amount
on a savings account.
Do not forget that it is better not to store money under the pillow, MONEY MUST ALWAYS WORK! Every year your savings lose their purchasing power, by about 8-10% per year, especially if the money is just lying in the account or under the pillow!
If you have collected some capital, you need to start thinking, and most importantly, learn how to preserve and increase this amount so that MONEY BRINGS NEW MONEY, and so that inflation does not devour it! Imagine yourself as a character in a computer game, as if you are going through a mission called "Accumulate capital" :)
Choose TODAY from the list of the appropriate method
accumulation of money and forward to create capital for yourself, which in the future will bring passive income!
Start now, go and save the first $ 100! Take action!
Yes, right now, let's go and put aside 100 rubles! Even if you already have a piggy bank! Done? Well done! This is your first step towards building your capital :) At this moment I use methods numbered from the list: 2, 4, 13 and 14 , I mostly combine them to get more effect. Sometimes I use way
if unusual bills come across.
Tell us which of the methods did you like the most, or maybe you are already using it? I would be glad if you share your methods of saving money :)
P.S .: In one of the following articles I will tell you how to correctly manage the income received.
Other related articles:
piggy bank games
Since childhood, I love saving money.
I like to know that if something happens, I have savings that I can count on in difficult times. But like everyone else, I sometimes lack discipline. In order to save money it was interesting and easy it is better to do it in a playful way.
In this article, I share with you the simple ways, games of saving money. With their help, you will save money without much effort and without harm to your usual way of life. And also these methods will help you to form a useful
a lifelong habit of saving money regularly :)
The one who puts the class is a magnet for money;)
Method 1: Leftovers are sweet
Its meaning is to put the rest of the money in the piggy bank every evening. For example: you have 3 546 ₽ left in your wallet or on your card, you can postpone 6 ₽ or 46 ₽ or 546 ₽ on this day.
Thus, a good amount will accumulate in the future, the main thing is
Method 2: Stable hundred
Here you need to save 100 rubles every day. As a result, in a year you will save 36,500 rubles.
Imagine buying a cup of coffee every day;)
Method 3: 365 days of wealth
This method is designed to save money every day for one year. It will help you easily save 66 795 rubles in a year.
We take a sheet of paper and draw a table with numbers from 1 to 365. We hang the table in a prominent place.
Now our task is to cross out any one digit every day. And put an amount equal to this figure in the piggy bank.
One number can be crossed out only once.
Method 4: Weather piggy bank
The point is to put aside an amount equal to the outside temperature every day.
At negative temperatures, minus is considered plus.
For example, in the yard in December, on the thermometer -45, 45 rubles will go to the piggy bank.
Method 5: Weekly Rich Man
Here you need to save money once a week for one year. The amount of the deposit is increased by 100 rubles every week.
That is, in the first week put 100 rubles in the piggy bank, in the second week 200 rubles, in the third - 300 rubles and so on ...
Accumulate in a year - 137 800 rubles !!!
True, the last month will not be sweet.
Method 6: Collector
Every time you get a rare note, for example, 200 rubles or 2000 rubles, send it to the piggy bank.
This method is more suitable for those who often use cash.
Method 7: Penalty
Its meaning is to fine yourself for any bad habits or bad deeds. Every time we violate, we fine ourselves in favor of the piggy bank You can come up with various penalties.
This method is suitable for those who are trying to make themselves better. Get rid of bad habits and some unwanted actions.
Method 8: Saved means earned
The point is not to allow yourself to buy unnecessary things.
Every time you want to buy something, look at the price and put aside for a while an amount equal to the purchase in the piggy bank.
Wait a month. And if after a month you have not changed your mind and also want to buy this thing, then you take out the money and buy. And if interest in a thing has disappeared (most often it happens this way), then congratulations, you have saved up :)
Method 9: Automatic piggy banks
Many banks now offer separate piggy bank accounts. Many of them are replenished automatically, the terms of replenishment can be set independently.
For example, you can set up an account so that every day a certain amount is withdrawn from your card - 50 or 100 rubles.
You can also set up rounding of your purchases up to 100 rubles That is, if you bought milk for 87 rubles, then 13 will automatically go to the piggy bank.
Or set it up so that the cashback from the card is always immediately sent to the piggy bank.
By the way, in most of these piggy banks there is also a percentage on the balance! So you will also earn. ⠀
Method 10: American
This method is for those who want to accumulate dollars (or maybe euros) and not suffer from exchange rate differences. The method is long-term and is designed to replenish the piggy bank every day, the replenishment amount depends on the day of the week, that is, on Monday - $ 1, on Tuesday -2 $ ....... on Sunday - $ 7.
You will get that accumulated per week - $ 28 iii ... magic ... per year - $ 1,456 !!! (For today it is 100 464 rubles). .
The main rule:
buy at all costs, regardless of the course
In continuation to this article, I recommend that you read more:
Thanks for reading to the end :)
All easy, quick savings!
We have collected obvious and not so much advice on how to save money and not strain.
Photo: jarmoluk / Unsplash
During the pandemic, many people around the world analyzed their income and expenses and began to look at personal finance in a new way. Daily spending, which was customary before quarantine, was no longer available. And those whose income did not change during this period were able to set aside money for long-awaited purchases or even form an airbag that did not exist before. At such an uncertain time, it became clear how important it is.
For example, in April of this year, the amount that Americans set aside for savings as a percentage of their income rose to 33%, writes CNN. In Russia, people also managed to save money during the quarantine and put it off. Managing finances in a crisis is difficult, and we have already written how to do it. And in this article, let's see how to maintain the rhythm of savings that developed during the pandemic. Here are some tips.
1. Set aside a fixed percentage of income
This is the first place to start. Create a separate account or debit card where you can transfer interest from your salary, part-time job, advance payment, or business profits. How much depends on the level of income and mandatory spending. It is important that this becomes a habit. Therefore, try to postpone systematically every time, do not skip or postpone payments. Let's say you have a salary of ₽80 thousand per month. If you set aside 15% monthly, then you can accumulate ₽144 thousand per year.
2. Set up automatic deductions for deposits without the possibility of withdrawing money
To avoid the temptation to transfer or cancel your monthly contribution to your piggy bank, you can set up automatic deductions. Ask your bank how to do this. You can select the date and amount that the service will have to write off. But even the automation of the process does not always help. Therefore, for these purposes, you can specially open a deposit in the bank, from which it will not be possible to withdraw funds until it is closed. Then, with each receipt of funds to your account, the bank will immediately transfer money to this deposit.
3. Make the most of your debit and credit card
It's no secret that many debit cards have a cashback for the balance or for certain categories of purchases - a certain percentage will be returned to your account. In some banks, funds are returned in cash, in some - in bonuses. And if you have more than a certain amount on your debit card per month, then the bank can also charge a couple of percent for this.
You can also follow the bonuses of the bank's partners, as a rule, they are updated in the mobile application. Credit cards also come with cashback, if you spend a certain amount on them per month. It can be replenished immediately from a debit card in order not to pay interest, and the cashback can be sent to a savings account.
4. Use impulse buying to your advantage
From an optional or impulsive purchase, transfer the same amount of money to your account. There is a double benefit here. Firstly, if you understand about yourself that sometimes you cannot fit into a strictly planned budget, then with rash purchases, your savings account will also be replenished. And secondly, before buying an unnecessary thing again, you will think, is it worth it? After all, you have to pay as if twice. For the purchase itself in the store and for your desire to buy this thing, transferring the same amount to the account. You can also round up the amount of the card balance every day and transfer a change to the account. For example, on your card at the end of the day there are ₽30,573 left. ₽573 are sent to the piggy bank.
With yourself or a friend. This is advice for gambling. You can turn the accumulation process into a real challenge. Indicate a specific amount and the date until which this amount will need to be accumulated. And come up with a reward. Here you can tune in to larger spending - a new device or shopping.
You can also partially apply the previous rule. For example, your goal is to accumulate ₽50,000 in six months. If you can do this, spend the same amount for yourself reward for your efforts. And if you are competing with a friend, then you can determine in advance a prize or some task that you would not want to complete. Whoever accumulates the set amount and wins gets a prize, and whoever loses doesn’t get a prize, and even completes the task.
6. Use the 30-day rule for large purchases
The 30-day rule says: Before making a large and sometimes unplanned purchase, put it aside and think about it for 30 days. This life hack can be suitable for those who buy a new model of a phone, laptop, electronic watch or other devices with each new release. Take the amount you plan to spend on this item and put it aside in a savings account. If after 30 days it still seems like a vital purchase to you, buy it. If not, leave money in the account.
7. Use the rule "365" every day
Rule "365" is suitable for those who like to start a new life on Monday or New Year. To follow this rule, you need to save money every day. But not like in the previous paragraphs, but every day more and more amount. For example, on January 1, you will add ₽50 to your account, then on January 2, you will have to transfer ₽100. And so on, until next New Year.
You will find more news about investments in our telegram channel "You are an investor yourself!"
To start saving money, you first need to decide at what point you start saving. This should not be a vague wording like “when the money will appear”, you need to choose a specific date. In order not to spend the money being saved it was easier, you need to choose the purpose for which you are collecting. This goal should be very desirable, so that for the sake of it one could even deny oneself some small pleasures. And, of course, you need to decide what is the easiest way to save money. This is what our article will be about.
There is an opinion that in order to start saving, you first need to make your income level more than it takes to satisfy all your needs. In fact, needs will always grow as income grows, so a person who is not accustomed to saving money will go to zero or even to a minus at any level of income. In the same way, a person with any income level can start saving and have some kind of savings. Let's look at simple ways to save money, most of which are suitable for anyone.
The game "Piggy bank"
In a playful way, postponing is easiest, since the game entertains the person, which is an additional motivation to continue postponing further. The most popular game for savings is Piggy Bank. You can start playing it any day, and finish it exactly one year after the start. The essence of the game is to save a certain amount, insignificant for you, every day. For example, it can be 5 or 50 rubles. It is very important that you are guaranteed to be able to save the selected amount in the piggy bank every day, because you cannot skip payments or postpone them the next day.
If it is too difficult for you to think about the need to replenish your piggy bank every day, you can make payments on a weekly basis. Select the day of the week on which you will play, and deposit the required amount only on these days. In this case, the game will last 52 weeks.
At the end of the year, depending on the amount of contributions, you may accumulate a fairly substantial amount. But you do not need to choose too much for saving in order to increase the final income. In this case, the chances are increased that you will fall out and stop playing. The main goal of the "Piggy Bank" is to develop a regular habit of saving money in a person.
The game "Piggy bank" with complication
The essence of the game is to save money every day, but every day for a certain amount more than the previous one. For example, you can start with one ruble and end with 365 (by the number of days in a year). If such amounts are insignificant for you, you can put 10 rubles in the piggy bank on the first day, then gradually the size of your deposits will increase to 3,650 rubles per day.
You can also make deposits on a weekly basis. For example, in the first week to postpone 100 rubles, and in the last (52) - 5,200 rubles. This game also develops the habit of saving and allows you to accumulate money that can be invested in the future.
Round off the amount of remaining funds
- This method assumes that every day you will recount your money and round it to a certain degree. For example, if you have 1,241 rubles left, you can round the amount to ten, postponing 1 ruble, to 100, postponing 41 rubles, or up to 1000, postponing 241 rubles. The amount to be rounded to must be determined in advance and not changed throughout the accumulation period.
- The method has several advantages:
- You will learn how to count money every day.
The accumulation will be unnoticed by the budget.
You can set aside a fairly substantial amount.
The main thing is to determine in advance the time at which you will count and save money every day. It is convenient to carry out operations in the evening after work and carry out all the necessary expenses in a day.
Round off the amount of income
You can also use rounding immediately after receiving income. This method is especially well suited for people with irregular income or receiving a salary several times a month. But you can use it even if you consistently receive a salary once a month, rounding it up to a thousand or ten thousand one-time. The good thing about this method is that you don't need to spend your time every day counting cash, so the accumulation will be even easier.
Set aside a certain percentage of your earnings
This method is standard and is advised by many experts. The recommended percentage for saving is 10% of any income. That is, when receiving a salary, bonus, payment for a part-time job, or even a cash gift, you must immediately deduct 10% from this amount and postpone it. So you can gradually accumulate a financial cushion and in the event that there is an urgent need for unforeseen expenses, you will not have to borrow money or take out a loan.
If your goal is to save up for a certain expensive product, you can try to save even more - up to 30% of your earnings.
Set aside a certain percentage of spending
If you know you have a weakness to often spend large sums, devastating the family budget, even turn this into an advantage when saving. You can set aside for yourself a certain percentage of each purchase. For example, if you bought some product for 3000 rubles, already at home you can additionally make a 10% mark-up (300 rubles) on it and pay this money to yourself, postponing it. Accumulation in this way will also occur imperceptibly for you, and over time you will learn to add your own margin to the cost of any product in your mind even before buying.
Set aside a certain amount to achieve a goal on time
If you have a well-defined financial goal and the approximate cost of its implementation is known, you can determine the date until which you need to fulfill it, and start postponing in accordance with this data. For example, in six months you will need to take out insurance worth 40 thousand rubles. Having this data, it is easy to determine how much you need to save per month in order to achieve this goal: 40,000 / 6 months = 6666.66 rubles. Having made the calculations, you will only have to purposefully set aside the required amount from each income.
Save "extra" money
Additional money can include bonuses, income from part-time jobs, or even just money found on the street. That is, any additional funds other than your basic salary. Using this method will not be able to pamper yourself when an unplanned opportunity arises for this, but the saved money can be spent on something really necessary. At the same time, you will not need to stop yourself if you want to spend money from the main salary and plan a budget. You can save up a lot this way, depending on how often you have the opportunity to receive additional income.
Save money saved
Accumulating money is often associated with saving, and saving is a really good way to save. But the money saved must be immediately spent on another product, and saved. For example, if you buy a product for a promotion, the difference between its full and promotional value can be postponed. Or, if you received a discount on the service, you can pay yourself the amount equal to the size of the discount, etc. So you will save, without spending money in excess of what you would have spent, if you were not such a thrifty person.
Many shops or even bank cards have a cashback service. It helps to get some of the money spent back as a percentage of the purchase price. It is assumed that you will spend the returned money again on purchases, but in reality, you can simply set it aside and thus accumulate a certain amount. This is a great way to accumulate effortlessly.
If the cashback is returned in the form of bonuses for purchases in the same store, you can use them, but pay yourself the cost of these bonuses separately and set aside this money.
Save "penalty" money
This method will help both save up for a big attempt and curb bad habits. You can assign yourself financial penalties for those actions that harm your health or hinder development. For example, it can be drinking alcohol, smoking, watching a feed on a social network, eating high-calorie or junk food, etc. For each case when you allow yourself something that you should not have allowed, you can assign a certain amount of a fine.
The size of the fines should be chosen depending on your income, the number of bad habits and the degree of dependence on them. For example, if you smoke an average of 40 cigarettes per day, you need to calculate how much it will not cost you to pay for one cigarette smoked, provided that the amount of their consumption does not decrease. Setting fines that are too high in the hope that they will help you to get rid of the bad habit, you run the risk of breaking down and stop saving. Especially if he has no willpower.
Reward yourself with savings
You can accumulate money not only by fining, but also by rewarding yourself. So for any of your achievements, you can postpone a certain amount. The amount of this amount can be set the same for all achievements, or you can divide the achievements into groups and set a different cost for each of them. This method works especially well if saving brings you more joy than spending, and by saving money you really feel like you have been pampered.
Putting small change in the piggy bank
This method is the simplest and will suit even schoolchildren. At the end of the day, you need to collect all your change and put it in your piggy bank. This strategy is not a way to quickly accumulate a lot of money. But the loss of little things will not be significantly deposited on your budget and well-being, and a really significant amount can accumulate over the course of a year.
- Use the bank service "Piggy bank"
- In many banks, it is possible to activate the "Piggy bank" service. With its help, you can automatically save money coming to the card. Electronic money boxes have functions:
- setting aside a certain percentage of income and expenses,
- rounding to the ruble, ten, one hundred, etc.,
withdrawing a certain fixed amount per month,
Removing a certain fixed amount with each receipt or spending.
Conditions can configure you yourself with the help of online banking or ask for a bank employee. The size of savings will depend on the degree of your determination. To warm up the motivation, the electronic piggy bank has a function of setting a financial goal, where you can specify how much and how long it is necessary to postpone. Each time the piggy bank is replenished, you can watch you have time to collect the desired amount by time or you need to speed up the pace.
Open the replenished deposit in the bank
- The deposit in the bank has several advantages before postpone money in some specific container at home. First, the money from the deposit until the end of his term is to remove problematic or at all possible. If the money will be stored at home, there is always a risk of breaking and spend them. Secondly, interest accrued to the deposit, covering inflation and multiply accumulation.
- When choosing a deposit, it is better to pay attention to the following parameters:
- Is it possible to replenish it after opening. It is better that you can, because so you can constantly continue to postpone.
- What interest rate. The higher the better.
Is it possible to make money from the deposit early. At any time, the situation may occur when the money will urgently need, therefore it is better to either put at the expense of not all accumulations, or discover a deposit with the possibility of early closure, or choose a small period of deposit.
Are interest on the interest accrued to you earlier. If so, it will increase the amount of profit.
Laying money on a deposit for years, you can earn an expensive purchase.
Open an invoice in the insurance company
The account is valid by analogy with a bank deposit. You need to sign an agreement with the insurance company that you will then replenish the score for a certain amount. At the expense of the account interests are accrued. Additional advantage - contribution you are insufficient your life.
Select funds to deposits, even with a small salary, because you can insure any amount.
Give accumulate to a friend
If you do not trust commercial financial organizations or simply the sum of your savings is not significantly significant, so as not to break can be given to a friend. At the same time, you need to agree in advance so that it does not give you money if you, suddenly decide to buy something "very necessary", but unplanned, and you only returned them when a certain amount is accumulated.
This is a good alternative to the banking contribution. Securities can provide you even greater income than interest on the deposit. You can buy them by investing money in some reason. Commissioners in turn guarantee you the return of money with interest. Payments can be carried out gradually or at once at the end of the contract. But if the organization, the investor you are, to go bankrupt, return the investment will not be possible, therefore it is a risky way.
Buying a stable foreign currency, like dollars or euros, will also help compensate for inflation. In addition, it may interfere with a sudden waste of accumulations in the event of such a pulse. After all, to pay out to foreign currency, you often need to first change it on rubles, and as long as you do it, you can drag.
Buy real estate
If you have already saved up a lot, you can think about investing in real estate. First, there are minimal risks with such investments. Secondly, property prices are constantly rising in line with inflation. Thirdly, it is possible to lease property and thereby make new savings for investment.
How to save more?