How to save money

The word "savings" is not familiar to many women at all, especially when shopping during sales. You can understand the ladies, because even those of the friends who work in banks, and they seem to have to count their money, nevertheless, they cannot refuse loan offers and, like everyone around, get into debt in pursuit of vanity, acquiring representative cars , and other things that allow you to look worthy in the eyes of others.

And we, on the site of women's secrets, want to tell you how to still learn how to save money so as not to use credit cards, and finally, grow up in your own eyes, and not chase the imaginary respect of others at the expense of expensive things bought with borrowed money.

So how do you save money?

First, learn to control your impulses. Do not look at others, even though it is difficult, because everyone wants to live beautifully and well today, no one wants to endure, waiting for the necessary amount to accumulate to buy the desired thing. And then they become slaves and hostages of that very thing, working and paying for it not only the main part of the debt, but also interest. Now the thing is not so happy (you get used to it quickly), but you have to pay for it. This whole situation begins to strain even more when finances are needed for current needs.

Someone might say that a loan is the only option that makes it possible to buy something worthwhile, otherwise you simply won’t save up. This path seems the most simple and convenient at first, but then it becomes a cause of stress if there is no money.

In fact, a person who has more debt than his earnings is bankrupt and a slave to his belongings. If you want to buy faster than your salary allows, then look for options to increase your earnings by retraining, opening a business, or get a couple of jobs at once, or spin around in different jobs. Do not want all this fuss - learn to save.

You have to train yourself to think in financial terms. To do this, it is imperative to form a family budget in order to see expenditure items and correlate them with income. And for large purchases, it is worth having several piggy banks. How to do it?

• First , as we already wrote in one of the articles on the site, make it a rule to set aside 10% of your monthly income. That way you can save money . Let this be a stash for a brighter future. You can increase the deferred funds through interest on a bank deposit, for example. Money will not only be saved, but will also increase, and you will be much calmer. By the way, it is very useful to feel like the owner of an impressive bank account, because the knowledge that you are the owner of a large sum of money will attract new cash flows into your life.

• Secondly , hang a picture of the desired thing in a conspicuous place and put aside for it in addition to the ten percent specified above. Money will not only be accumulated, but also attracted to your specific goal. For fun, just calculate how much you paid for those things that are already yours and were taken on credit. You will see how expensive it is and not even worth the cost. With interest, you could buy yourself something else.

• Third , to avoid financial overruns, make a plan on paper. Designate the main items of expenditure (rent, Internet, TV, cellular communications, for school and kindergarten), allocate a fixed amount for products and try not to exceed it. Calculate how much you can approximately have left of the amount earned per month (minus expenses) and set aside some part of the balance for yourself. This should be done regularly.

In general, financial planning is a great thing. Until you write it down, it's hard for you to imagine the actual spending. Many people do this: if they have money in their pockets, they go to spend it, and often not for urgent needs, but for every whim (especially for women), and then they are surprised: how is it that they didn’t buy anything, but money - bye-bye. The real alignment can be shocking, because a lot of money spent goes almost nowhere, and imperceptibly. Avoid temptations by asking yourself, “Do I need this item right now?” and you will instantly come to your senses and .. save.

Saving is not something unpleasant that makes you cheat on your ego, it is also an opportunity to get rich.