Rockefeller or Rothschild needs to be born. Or, if you're lucky, get an inheritance from some American uncle who had left for a better life before the revolution. For most of our fellow citizens, the question of how to save money based on modest resources and opportunities is relevant. We’ll make a reservation right away: methods that cannot be considered completely legal,
we will not even consider. Of course, if you ask yourself the question “how to save up for an apartment”, for example, by begging or fortunetelling by hand, then you can find a lot of role models. It is enough to go down to any underground passage in the city center and ask "future colleagues", as well as agree with them about recommendations.
But jokes are jokes, and the issue is urgent for many. And the thing most often is not in scanty earnings, but in psychology. Alas, many of us theoretically know how to save money: firstly, save, secondly, save small amounts, but do it systematically and regularly, thirdly, do not spend on momentary pleasures and unnecessary things. But in practice, these qualities in themselves need to be educated. In Russia, the merchants have never enjoyed honor and respect. Moreover, in our mentality, there is something that makes us live in a big way, as soon as the opportunity presents ourselves, to rush from one extreme to another. We either work for days, driven by thoughts only about how to save money, then we’ll “break down” and go into unnecessary expenses, partying, make wide gestures, try to bless all the destitute ...
There is one more problem on the way to systematic accumulation. This undermined the confidence of Russians in the banking system and savings banks. Many people remember the default of 1998, when people had one "zilch" from long-term accumulations. And even to withdraw these funds was very difficult. Foreign banks seem to be much more reliable, but not everyone can open an account abroad.
And yet, how to save money, for example, from a regular salary? Firstly, a plan of expenses should be drawn up. There are expenses absolutely necessary for survival: food, utilities. Calculate how much you are spending now on these articles. The next step is to look for ways to save. For example, replacing the bulbs with energy-saving ones, we will pay less in total for the meter. We have to analyze daily habits. Of course, you should not refuse from normal hygiene, but you can save water when washing dishes. To do this, just do not perform this operation with a constantly open crane. First you can soak dirt and grease by adding a detergent. With running water, then it will be enough just to rinse the dishes.
The same principles can be applied to the daily menu. Simple foods (cereals, meat, potatoes, eggs) are not very expensive per se. Therefore, you can refuse all kinds of semi-finished products, canned food, delicacies, ready meals. Simplify your diet - it will be healthier and cheaper. In relation to all kinds of goods, one should also be guided by the principle of reasonable expenses. For example, why do you need a new-fangled “sophisticated” phone if you use only two or three functions? Or "branded" sneakers, if you do not engage in professional sports? Recognize that up to 90% of the price we pay for goods is the company's expenses on advertising, on the fight against competition, on "prestige" and positioning.
Having determined how much you can save per month using these methods, proceed to the third step. How to save money from current earnings? Do not waste everything. Set aside systematically and regularly. Of course, there may be
unforeseen circumstances in which you have to get and break the piggy bank. But the amount that you (according to your estimates) can save should be put there regularly. The piggy bank will not necessarily be a glass jar or sock. You can transfer money to a savings account or
electronic wallet. It is important not to give in to the temptation to take them from there “for pleasure”. The same should be taught to children.
How to save money for a student who has few opportunities for independent earnings? First of all, try to limit spending, for example, on games for a mobile phone, on paid SMS, on sweets. Thanks to this, the pocket money that parents give can be partially delayed. Secondly, look for affordable earning opportunities. A teenager and high school student may well go shopping or walk a dog during the day. Let it be a small income, but independent. With a computer, you can post on forums with pay per message or learn how to make simple sites. There are always opportunities - enough desire and desire to use them.