How to save, if there is no money and so

In Russia, about 20 million people have incomes belowAbout cash income ratio of population to subsistence level and the number of poor in the whole of the Russian Federation in the IV quarter of 2018. a living wage. When you receive a penny, no longer to save for a large purchase. Even create a financial safety cushion is very difficult. This situation leads to despair. Advice like "do not buy coffee with a" do not help, and if so do not buy it. That is why you need to take vengeance for the control of money. Come to this consciously, and you fix the situation.

1. Start a budget

It is useful to everyone, but especially for a small salary. You will see on what your money goes, and will plan the necessary expenses.

Take an ordinary or a special notebook attachment and write down your income and expenses for the month. At the end of the period, analyze the collected information. Look at how much is spent on food, transportation, entertainment, shopping for a home. Think of what you can refuse to put money. Based on this Plan your finances the next month.

2. Immediately pay your account mandatory

Do not delay payment of loans and utilities for later. Immediately after the wages it seems that a lot of money and you can buy anything you want. This false sense can lead to debt. For late payment penalties. If you accumulate them for a few months, you can be in a very difficult situation.

3. Decide on what you are willing to give, and from which there is no

To cut yourself around pretty hard. Permanent restrictions poison life. In this state, easy to break and buy something unnecessary, if only to get rid of the oppressive feeling. So think on what you agree to save, and what not.

For example, you like swimming or painting, these classes make life brighter and charge you a positive. Do not give up on them. Calculate how much a month goes to a favorite hobby, and save the required amount to the other categories of expenditure.

4. Look for free analogues

If you have a lot of hobbies and interests, it is not necessary to spend money on it. Surely some will save.

• If you like to read, do not buy the book, and take them in library. Now many are even available electronic versions.
• If you teach a foreign language for their own pleasure, do not go for paid courses. In the Internet enough sources for self-study: videos, Exercise, TV series subtitle services to communicate with foreigners.
• If you want to play sports, do not buy a gym membership. Train home run in the park, looking for free workshops.

5. Do not buy things just because they are cheap

Most likely, they are lower quality and will last for less. If you need shoes or outerwear, better choose something better. Let it be more expensive, but the thing will stay with you for a long time.

Cheap things to buy small children. They grow quickly, so do not be offended that clothing worn for just a few months.

6. Buy a hand

If you need sports equipment, children's furniture or carnival costume, not necessarily buy new. On Web sites, ads are good things that I enjoyed a couple of times. Someone changed his mind to engage in sports, someone came up thing is not the size, or simply did not like. Do not miss the opportunity to save, giving up used items.

7. Unsubscribe from mailing lists stores

Each new letter - is the source of temptation. After seeing a message about discounts, promotional codes, and secret actions, you might want to buy something, even if you do not need anything. At the end of these emails have a link to unsubscribe, go for it and live a little quieter.