How to learn to save up to 7 days to fix the habit
Get Rich / / December 20, 2019
Unfortunately, the economy is not cycling, and does not work here the principle of "once learned, never forget." Saving money - a long process that acquires personal life hacking and traditions that make the common rules more effective.
Save - it's a habit.
BUT habit formed in 21 days. This period is divided into several milestones:
- The first day - you started to act.
- Second day - you re-execute the task.
- Seven days - you do not deviated from the planned and at the weekend, which seemed designed to arrange a holiday from all obligations.
- 21 days - the habit is fixed and becomes conscious.
Layfhaker offers seven simple, but working rule that just need to make it a habit - one for each day. Try to do them during the week, to understand the basic principles of saving money. If you like, repeat the job for another two weeks to fix the result.
Savings - does not necessarily boredom and tediousness, if you see it as a game in which you get for winning the coin, and not virtual.
Day 1. Costs
Savings could reasonably be compared with the diet, the purpose of which -weight gain. To cock swung to the right, you need to consume more calories than you spend. Accordingly, the amount of money due to increased savings, you need to spend it less than you receive. Moreover, it is important to know what exactly they are going.
If you do not keep records of expenses, you do not know how much you spend and on what exactly.
Even if you live right on income and therefore know about the amount you spend, cost structure can have unpleasant surprise. Therefore, to introduce the habit of saving should start with the recording of all expenses.
Set the phone to account for costs application. Layfhaker wrote about the best of them - simply select the appropriate. During the day, burn it every ruble spent.
Checks in shops do not throw out and put in a special pocket. Later on it will be easy to reconstruct the expenditure.
Day 2. earnings
A very simple question: how much money you have right now? Taking into account the funds on the card, savings, deposits of euro cents, which remained after the trip, a nest egg for a rainy day in a box, little things in pockets, coin rolled under the couch?
If you know the exact answer, you save the guru. And reading this text, only to once again make you cool in all that relates to finance. Well, or in your pocket left 437 rubles to pay, and therefore find it was easy. But usually, the person can answer this question very roughly, and it is fundamentally wrong.
The adage that money like bill, did not come out of nowhere, and it does not have a single gram of superstitions - only practical smotka.
One may plan costs, but it will be effective only when you know everything about your income and the state of the accounts. Therefore, you should have information about their money not only in cases where they are almost gone and have to survive at any cost.
To begin, fix all of their income. Cash gifts on birthdays, envelopes from my grandmother, tax deductions - it all flows that should be considered.
If your salary is made up of salaries and variable bonuses, you are a freelancer, the organization pays the thirteenth salary or quarterly bonuses, important for you to understand your average monthly income. Collect all payments for the last year and calculate out how much on average, you can expect every 30 days. Look, in what month and what was the maximum income that contributed to this. When and how was the minimum income: why, if this situation persists and whether this amount is sufficient for life.
Freelancers will remember all the information about the movement of funds in the accounts and correspondence with customers in the messengers.
After that, think about all of their money, even those that are lying around in the pockets of winter jackets. Finally, find out how many resources you have.
By the way, all that was found in unexpected places, it is better to send in piggy bank. You about that money still did not know anything and are not counted, so that the separation will be painless with them.
Day 3. Motivation
If you make savings goal, the process you quickly get bored. You limit yourself to various pleasant things, spend time trying to deal with finances, and that you get in return? It's time to make savings and consider what purpose it will help to achieve.
What do you want to get in financial terms? For someone objective will be to live up to the salary without debt. Someone needs to accumulate airbag to change jobs or move. And someone has set itself ambitious goals like car purchase.
Miracles do not happen: naekonomit on an expensive car or an apartment in the center of Moscow will not work.
But accumulated, for example, can be a starting point for opening your own business - in this case does not necessarily have millions. And the income from the business to fulfill a dream.
Decide on financial goals. Be guided by rational arguments, but does not exhaust itself in a rigid framework. You are free to put an end to their desires, because you are afraid to think too globally.
When the goal is clear, to determine the long-term strategy. How much do you need money? And if they get may simply cut spending? If not, decide what should be done to make the dream a reality.
If you approach the issue seriously, you can wait for the bitter discovery that will force to reconsider his life.
Or will not keep. But long-term strategy - in any case a good thing, which helps to establish benchmarks.
In this case, to govern the financial goal once and for all wrong. Periodically go back to it, counts the money, review the options, weigh the urgency of desire. It is a good habit, not only for the financial sector: the sooner you will realize that doing something wrong, the easier everything will change.
Day 4. Find ways to save
To save money is not enough today to give up some shopping. In this issue you need to think systematically. So, if you buy a new game for 1000 rubles, it is not so much hit the pockets as chocolates for 50 rubles, you get on a daily basis. On sweets for a month you'll spend 1500 rubles for the year - already 18 thousand.
Look for ways to save costs in two stages:
- Work with costly habits that are pulling money out of you: take takeaway coffee, Go to a business lunch instead of bringing lunch from home, smoking. Just count how much money is wasted - it's a great motivator.
- Eliminate unnecessary background expenditure. For example, you pay monthly for your home phone, because too lazy to walk and turn it off. Or your fare on the Internet is not the most profitable at a mediocre rate. Or tap constantly water drips, Taking your money down the drain.
Think, remember, analyze which items of expenditure can be reduced or eliminated. For starters, start with a harmful financial habits and one background rate and each subsequent week add new to them. At the end of the 21-day Challenge it will have three habits and three background flow, not bad, right?
Day 5. lists
As you know, the economy and planning are inextricably linked. Therefore, we must learn to think for the future and, of course, make lists and schedules.
The most obvious of them - a shopping list. In the first place, so you will not forget to buy something right hypermarket with reasonable prices, so you do not purchase it at exorbitant prices in convenience stores. Secondly, with such a list is easier not to buy unnecessary.
Another example - the financial calendar, in which you set reminders when to pay for utilitiesTo avoid penalties, make a payment on the loan and so on.
Lists are unique, so just follow the other. If you are in any situation, tell yourself, "It is better to remember or write down" - it may be the beginning of a full-fledged action plan.
Start with two lists - menu for next week and a list of purchases.
Carefully consider all meals and snacks. At the same time guided by their own preferences and the possibility of cooking in the middle of the week. For example, you will not have time in the evenings. So, on Sunday or have to cook food for the entire week, or make semi-finished products, so that they only needed to warm up. In this case, some of the dishes you are ready to eat for years, while others are bored through the day. It is logical to add to the first menu.
The shopping list make the products that are needed to prepare a meal from the menu, and who do not have homes. A revision of the shelves in the kitchen and in the bathroom. You may find that the list it is necessary to write something else.
Get into the habit immediately to make the products and funds that end up in the shopping list.
In the future, you should consider what other lists could reduce the financial burden. It may be, for example, an application with photographs of clothes to the store to quickly understand that the seventh white shirt, you do not need.
Day 6. budgeting
Organizations no coincidence planning budget, which is made all the costs and revenues. This, in particular, helps to avoid difficult situations. So, on the second day of the Challenge you mentioned periods with the highest and the lowest income. If in the second case, it was a really small amount, you may be thinking, "Oh, that would move a portion of the proceeds from the" fat "in the month of loss-making ..."
The entire budget of the charm is that it is feasible.
Let's say you are a freelancer who works by the piece. Dangerous month for you - January and May, because they have a lot of output. Accordingly, in February and June finances sing romances. But with the budget you take this into account and pass unprofitable months without problems. Another example: you have enough money back to back only vital costs and the need to pay a tax of 10 thousand unsettling. But you planned the budget and in advance every month set aside slightly less than 1000 rubles. It is less painful than to spend a significant amount of one month's salary immediately.
In short, the budget - a very useful financial document, and it is necessary for all.
You just started dating with your finances, so until a full budget will be difficult to reach. Start with a layout financial plan for the month and year. Try to remember all expenses, match them with revenue.
With ready layout will be much easier in the future to improve the budget and make changes to it, because the global goal - to make it a habit.
Day 7. Rendezvous with money
If you are looking to get off the money long-term relationship, it is necessary to arrange regular visits with them. Plan a weekly schedule the day and time that you will devote to finance.
Ideally, you should at this time to do the following:
- Checking the accuracy of all costs, dismantle checks.
- Analyze spending. Find out which of them have the necessary which - spontaneous, and which have arisen due to an oversight (forgotten at home with a bottle of water, I had to buy a new one).
- Record weekly earnings if they were.
- Start a new shopping list for the week.
- Calculate weekly savings, defer the money or transfer the savings account.
- Make adjustments to the budget.
Over time, the Minister for finance will be more visits, but to fulfill them you will quickly - a magic force of habit.
If you have held a week passed an important milestone. Your smartphone keeps a record of all expenditure, and it's time to analyze them.
Make no mistake: with them, is likely to be all right. People in the beginning of his career is extremely disciplined.
However, these almost ideal expenditure is already a lot will tell you. Analyze spending and think about how to correct them in the future.
For the first week it will be enough, but in the future to add new financial targets list.
Days later. Developing habits
Repeat two more times a week starting with the new conditions. And best of three, because the month will provide a more comprehensive view of your finances. And you'll notice that the savings is given to you is much easier.
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