How to live better without spending a lot of money: 5 simple rules

Choose consciously

Once there was a new smartphone, you start to think, what to save, to buy it. And there is nothing that your device is working correctly, - he's tired. The sending e-shop you can see the new shoes and immediately checks to see if your size. I do not care what you have in your closet already have a few pairs of sports shoes.

New seems better than the old just because of the fact that it is new. In fact, this is misleadingThe 'Appeal to Novelty' Fallacy: Why New Is not Necessarily BetterWho willingly use brands.

What to do

Before buying, make a list of criteria that must be met thing. If it is a phone, which is necessary, that it is not impeded and the long held a charge such rates can be 4 GB of RAM and a battery capacity of at least 3000 mAh. Then you learn the appropriate options and choose the one in the market that suits the price.

Do not look to the brand: you do not buy a logo or brand bag. Things need to perform their functions. If your smartphone is running correctly and is not discharged within a few hours, and the shoes do not get wet in the rain, it does not really matter what kind of store is specified in the check.

Live within your means

Loans have become commonplace for many people: the Russians climbStudy: Russians often take consumer credits for repairs, purchase of real estate and cars into debt to make repairs, buy electronics and expensive clothes or go on vacation.

When it comes to buying a new refrigerator or washing machine, it is normal. Not everyone can just put a couple of tens of thousands of rubles, if the old equipment suddenly broke. But to take the credit for a new smartphone simply because they felt like it, - folly.

What to do

Calculate how much is an hour of your working time. For example, you work 8 hours a day and get 35,000 rubles a month. In June 2019 you spend at work 151 hours - it turns out that your 60 minutes cost about 232 rubles.

Compare the price of the desired items with the amount of time that will have to spend to make money on it. Willing to work hard for a whole day once a week to give the lipstick or work for the brand new sneakers? If not, choose the items for which it is not necessary to redraw the budget and financial plans change.

Stop paying intermediaries

When you go to the store and buy a conventional hair dryer, you are giving money not only for the device itself. Its price includes the cost of transport to the store, rent and staff salaries.

Everything is logical: the store also need to make, but no one is forcing you to sponsor his expenses. In fact, you just overpay for what you get the goods here and now. If the purchase is not lit, it is better to wait for delivery of the online store and save.

What to do

Look for a product that you need, in foreign online stores. Probably will find something similar or even the same, but cheaper.

Thus, Pandao You can find name brand products of Chinese manufacturers from smartphones, headsets and fitness bracelets to shoes and tools. For example, a wireless headset Xiaomi Redmi AirDots sold here in 1775 rubles. If you want to buy them in the Russian store, pay at least 2500 rubles.

There is even a Korean cosmetics Tony Moly, Missha, Mizon and Elizavecca. Moisturizing cream on Mizon Pandao possible buy discount for 290 rubles. The Russian stores also have him pay at least 431 rubles. Night Mask Tony Moly on Pandao sold for 501 rubles, and the price in Russia starts 690 rubles and goes for 1000.

The service has a convenient mobile application, where you can directly select interesting brand or product category.

Rejoice yourself affairs, not shopping

At the dam, the house is also full of worries, and you want to get into the closet and never come out. Decide that it is necessary to something to pamper yourself, you go to an online store and quietly descend a decent amount on the small stuff, without which it could easily do without.

It is the work of dopamine - a chemical that affects the brain and causesWhy Shopping Makes you Feel High We look forward to something nice and to attain the coveted award. So we find ourselves in a vicious circle. It seems that the next purchase for sure will bring happiness, but in order to maintain the level of satisfaction, to acquire something comes up again and again.

What to do

Every time the hands are drawn to the wallet, ask yourself if this is really the thing you need. You will be able to live without regular games, T-shirts with a funny print or palettes of shadows? If so, think about what you need to really want to meet.

Perhaps the fact that you do not have time to properly relax, or do not have the strength to care for yourself. Remember that classes bring you the feeling, comparable with enthusiasm from the new purchase. Good dinner, regular and restful sleep, physical training - all this helps to feel the real joy, not a substitute for it, or bought with money.

Stop living by inertia

You have several years of sitting on the same mobile tariff, go to the same shops and dutifully pay a subscription to services that rarely use. Just because it is accustomed to.

Meanwhile, operators are launching the latest rates, new shops with great deals. If you are not interested in such news, you end up paying extra for something that could get cheaper.

What to do

Keep track of where your money is going. If you have not watch movies online cinema, close subscription. Learn new mobile tariffs - certainly find a profitable option. There is a chance to receive an interesting offer and the current operator - it is unlikely he would like to just give the client.

Discover new online stores. Perhaps the usual things you can buy for less, but you do not know it. Many products are more advantageous to order directly from producer countries, what to look for in your shops.

On Pandao thing with fast delivery are collected in a separate categories and marked by lightning. They were taken from a warehouse in Latvia, so parcels are not as long as the Chinese. Delivery takes 4 to 20 days.

If in doubt about the choice, read reviews: real buyers honestly talk about products and share photos. Do not forget to express their opinion about shopping: for the feedback you get points - a kind of local currency Pandao. They can pay for goods from the special section and actually getting things for free.

Go to Pandao