HOW TO SAVE MONEY WITHOUT LIMITING YOURSELF?
By: Kiaronce Rupert
Tags: Educational Articles, Money, Development, Training, How Not To Lose

Saving money - For many people, saving money seems like a daunting task. How to save money with a small salary? Sometimes you even have to borrow.

As practice and professional research show, the source of the problem is an incorrect assessment of the situation. Not at fabulous prices and not small salaries. And in our inability to manage financial resources. Do not rush to be indignant, but read to the end. You will find that you can save on all items of expenditure.

ANALYSIS AND PLANNING OF COSTS

Analysis of cash expenses. If you have never saved, but lived as you have to, start by analyzing your income and expenses. There are many programs for computers and phones that automatically calculate the amounts earned and spent. You can do home bookkeeping in a notebook or notebook. As it is convenient for anyone.

We enter all our income in a separate column: salary, funds received from part-time jobs, interest on deposits (if you use them), etc.

We fix the expenses. Down to the smallest detail (be it gum or a bus ticket).

We immediately differentiate our spending. Expenses for utilities, mobile communications, car, food, clothing, entertainment, etc.

Try to analyze your expenses with a cool head, turning off feelings and emotions. Already at this stage you will see what funds can be saved. Not to the detriment of your health, appearance, education.

Obligatory and optional costs

Obligatory expense items are utility bills, Internet, mobile communications, food, etc. Optional - this is payment for our little weaknesses, entertainment, bad habits, the third blouse, etc.

YOU CAN SAVE MONEY ON BOTH

How to save money on services?

On rent, mobile services, cable TV and the Internet?

Study the market for service providers (excluding rent). And find a really profitable option for yourself. Depending on your needs.

For example, MTS services are cheaper than Beeline. If you are rarely at home (more and more often on the road or at work), it is more profitable to use a 3G modem to access the network. Even one supplier has better rates.

Replace all conventional light bulbs in your home with energy efficient ones. They will have to be changed less often, and the savings are significant.

Train yourself not to turn on the light where you are not (corridors, bathroom). Left the room - turned off the light. Another useful habit is to remove chargers and plugs from electrical appliances that are not currently working (the same kettle, microwave oven) from the sockets. So, constantly switched on chargers for mobile phones draw about 10 watts per month.

Save water in an apartment with a meter. The first thing that will significantly help is special nozzles on the tap for saving water (water-saving nozzles), which effectively spray the water flow, creating small bubbles and additional pressure. These bubbles increase the efficiency of washing hands, dishes, etc. Analyze how it is spent in your family. Perhaps completely thoughtless and wasteful. For instance. We brush our teeth. As expected, 2-3 minutes. All this time, water is pouring. Although we only need it at the beginning of the process to wet the brush.