I must say that women in most cases do not know how to save money for the future, and do not want to. And yet those of them who have a big goal can refuse excesses. By the way, a sober mind always wins, because this way you can save a lot and not fall into the ranks of bankrupts, which are very many today, they just don’t know about it and continue to pay loan fees that increase the expense item (read - “hole”) in family budget, sometimes exceeding the monthly income.

If you still find it difficult to make a decision in favor of saving, analyze your spending for the last week at least. Ideally, of course, you should have a budget plan for the month, which should spell out the main expenses (which cannot be avoided), and you will understand how much free money can be left from income. This very free money should not be rushed to be carried away for sales, it is better to think about the future and decide how much you can afford to spend this month on your weaknesses. If nothing, then postpone the shopping trip until better times.

shopping

Separately, I want to say about the so-called shopping for pleasure. A lot of people visit shopping centers and then rejoice at how cheaply they bought this, and that, and that ... and all together it turned out to be a tidy sum. Remember that large stores are a trap for people who cannot refuse unnecessary purchases. For example, you go to a huge supermarket, everything seems to be cheaper there, but people pick up everything cheap with carts and people leave from there, leaving a good tens of thousands of rubles in the store. And at home, it turns out that some of the purchases actually do not have a heading “urgent” and could well have been bought some other month.

Now think about how much money you could put aside if you had not been tempted, but rather refused to go to the mall. The same can be said about e-commerce. They buy because it's cheaper, not because they need to. It would be nice to learn to control your urges and temptations, and this is a lot.

change philosophy

The second, important point, you need to learn to think about yourself. Taking money to the store, you first of all correct your uncle's business, which very cleverly lured you with a bright sign, discounts and heady slogans about how profitable you can buy at this outlet. But stop! And who will think about your well-being, except you. That's it. So start saving money for a brighter future, not according to the principle of “what is left”, but according to the rule “first save, and the rest can be spent.” How much you save depends on your goal.

Third moment. Of course, there are financial instruments that will help increase your hard-earned money. But again, financial literacy is needed here. The fact is that you, for example, can put money in a bank on a deposit, but the profitability of deposits is low, it often lags behind inflation. So money, instead of growing, will be saved and even depreciate. On the other hand, deposits guarantee you accrued interest.

There are other instruments, for example, mutual funds (mutual funds, you buy shares) they may have higher returns than deposits, but there are risks: interest can be plus or minus. In general, here you will need the help of a financial advisor. When distributing money to different places in order to increase it, adhere to the invariable rule: do not carry all the eggs in one basket.

Explore financial opportunities, learn to save and you will be able to save up for everything you want. Financial success in business!